davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken English, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the English language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc. (TX)

Someone using my name and identity ( but using a XXXX, FL, address, a place I have never lived ) opened an account with Kikoff Lending LLC with a charge of only {$24.00} on XXXX XX/XX/XXXX. There are unconfirmed reports from other consumers that this company has been known to open accounts in one 's name arbitrarily. On a credit report run on XXXX XX/XX/XXXX, I was called " seriously delinquent '' by this firm. I am reported as past due by only {$6.00} as of XX/XX/XXXX. I never have dealt with this firm in the past, nor have I ever been delinquent on a payment. Attempts to phone the company lead only to a voice mail telling the consumer to email all questions to a dubious email along with SSN, etc. I have no intention of sharing private information with this company as they have decimated my XXXX to the point that I can't even get a small, short-term loan with my bank. I have reported this to XXXX and they have opened a fraud complaint and are seeking to resolve this. I have not sought legal recourse, but am comtemplating a criminal law suit against this firm. At the very least, they should be put out of business and the principals in the firm prosecuted to the fullest extent of the law for this felonious act.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX DEPARTMENT OF EDU # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (GA)

Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card online on XX/XX/XXXX via XXXX and on XX/XX/XXXX via XXXX and consumer credit transactions were completed with Synchrony Bank on XX/XX/XXXX and XX/XX/XXXX XXXXSynchrony Bank denied me credit after each transaction. The denials discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNT FROM XXXX XXXX DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

The Navy Federal account has been paid in full and XXXX  is reporting it as a charge off. Also, XXXX  has the wrong balance and account number. Please open attachment for your review as I got a letter stating the account is paid in full and is in good standing. 

The correct account number is : XXXX Thanks You
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NC)

I as of late recorded a grievance with the Consumer Financial Protection Bureau against CoreLogic we're not putting a security freeze on my CoreLogic credit document for the second better they are revealing to me CoreLogic is an affiliate of the buyer report data gave by three National Consumer detailing organizations however I realize they do play security freezes since I had a security freeze with CoreLogic previously. Presently I'm documenting my second protest against CoreLogic for not setting a security freeze on my credit record.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK (MI)

XX/XX/2021 I have savings, checking and business accounts at TCF bank in XXXX XXXX Michigan. For six months. My business account deposited a bad check from a client. The bank froze all three of my accounts without explanation for 2weeks. I received a letter within 10dayd to close the account. I have been trying to do so for three weeks. I have had this XXXX XXXX would not close my accounts, held my debit cards and driver license for 3hours without explanation. I demanded that I have my property return immediately. Why would you close a personal account for a business account situation. It is unprofessional experience don't have all three accounts at the same bank.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (NY)

My card has been blocked for a verification issue. Ive contacted Apple about this matter as soon as it happened and I keep getting told that someone would contact me via phone or email and no one has contacted me. I understand that things are a process but there no help were they keep telling me there is no time frame that they will call which means my card can be locked for such time. I need my card to be unlocked as soon as possible where this is very inconvenient and unprofessional where Apple is concerned
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2020 I wired {$5000.00} from Bank of America in NJ to XXXX XXXX XXXX XXXX. 
Today is XX/XX/2020 and the funds never got to the account i wired the money to. 
I asked the Bank of America to return the funds and credit my account but they say the XXXX XXXX XXXX XXXX  is not returning the funds and they are not even answering us. 
the PDF of the beneficiary 's account is in attach that they never received the funds. 
As result my {$5000.00} is lost and no one seems to take responsibility and do something about it.
Consumer complaint received 2022-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (WI)

L.J. Ross has repeatedly violated federally protected consumer rights by failing to adhere to government issued protocols for debt collectors ; federal authority granted in 12 U.S.C. 5481 ( 15 ) ( A ) ( xi ). Specific to the issues at hand, prior to reporting to a credit agency that an account is in collection status, as required under law, L.J. Ross must furnish verification of an alleged debt to the consumer. Further, L.J. Ross must notify the consumer of their right to dispute the alleged debt and the subsequent instruction. 12 C.F.R. 10 1006.34 ( a ). L.J. Ross is also barred from utilizing deceitful activities or tactics when working on the collection of any alleged debt. 12 C.F.R. 10 1006.18. L.J. Ross has violated the requirements of 12 C.F.R. 10 1006.34 ( a ) by not furnishing or attempting to furnish verification of the alleged debt. In fact, L.J. Ross DOES NOT MAKE AN ATTEMPT to notify an alleged debt prior to sending the debt to collection status. I have resided at the same address for four years and maintained the same phone number for sixteen years. By reporting to credit companies without notifying or providing consumers verification of alleged debt, L.J. Ross is engaging in deceitful tactics. Validation of the debt does not exist as reported, because claims of service dates do not match appointment or insurance benefit explanation statements. In addition, upon filing disputes with credit agencies has led to multiple collections accounts held by L.J. Ross being resolved and removed. However, L.J. Ross responds by reporting new accounts in collections for the same amounts. L.J. Ross has devalued by credit score by over ten percent, resulting in my failure to be able to secure a needed student loan or HELOC. I have been battling this agency for nearly a year, only to find similar stories and law firms advertising on how they can defeat L.J. Ross 's deceitful practices. Federal authority to issue protocols and regulate collections agencies was granted to the CFPB to ensure protections for consumers from companies like L.J. Ross.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (OK)

XXXX XXXXXXXX  or NCA or XXXX XXXX is reporting 1 debt 3 times. The same debt and same amounts reported 3 times.

I've asked company to correct and they've IGNORED my requests.

I've contacted all 3 credit bureaus and disputed these items MULTIPLE times and all 3 bureaus REFUSE to remove or even VERIFY the information is correct.

THIS IS PLAIN AND SIMPLE CONSUMER ABUSE. PUNISHMENT BY THIS COMPANY BLATANTLY REPORTING THE DEBT MULTIPLE TIMES. NOT ONLY IS INFO INCORRECT, BUT OPEN DATES ARE INCORRECT. AMOUNTS ARE INCORRECT AND TGE REFUSAL TO CORRECT IS ABUSE.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX is closed and it is a debt that I had in 2015 in which according to the credit rules and regulations, any credit debt after 7 years should be removed. Furthermore, this debt was included in my bankruptcy. I have reached out to equifax more than once to have this item removed and nothing has been done.
Consumer complaint received 2022-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I requested a refund for payments made during the pandemic in XX/XX/2022 from my servicer ( Fedloan ). The company accepted the request via phone and said that it should be completed within 60-120 days. A few weeks before the 120 day mark, I called again to confirm the request had been received and request a status update. The representative said the request was in the system and that XX/XX/XXXX would mark the end of the waiting period and if I didnt hear anything by then, to call back. 

On XX/XX/XXXX, still without any refund or update, I called again only for the automated system to tell me that my account had been transferred to XXXX. Now, the company has failed to provide the refund as per federal policy, has not provided me with any written confirmation or update on my request, transferred me to another company without notifying me, and has not provided information about how my request is being handled in the midst of the transfer - and Im at a loss of what to do, given that both companies are giving customers different answers about how were supposed to proceed.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MN)

I am not responsible for this debt. This debt belongs to XXXX XXXX XXXX ( a previous employer ) and should be removed from my credit report. I want this debt removed from my credit report as I am not responsible for it, and I want no further contact from Jefferson Capital and the debt should not be transferred to any other collection agency. Please cease & desist immediately.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (ID)

I have some accounts on my credit report that do not belong to me. Please remove them immediately. I also don't have a bankruptcy in which I have provided them to you from the courts. This needs to be removed as well. I have provided my personal information, and note that I am NOT a credit repair company.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have some accounts on my credit report that do not belong to me. Please remove them immediately. I also don't have a bankruptcy in which I have provided them to you from the courts. This needs to be removed as well. I have provided my personal information, and note that I am NOT a credit repair company.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (CA)

The company contacted me via email letting me know that they were not able to take XXXX  payment because my bank account was no longer attached to their bank. I tried going to their app and it doesnt work I tried calling them theres no one to speak to they Refer you back to the app.. because the app is Inoperable I tried reaching out through social media XXXX there was XXXX person that said that he was a tech theyre not allowed to speak to people he said that he would contact them and they were con tact me through email they did they sent me a link to reset my password on a app that does not work I tried to contact them upwards XXXX times every time I email them it says that someone will get back to me and when they do get back to me probably a week later its through the email saying that they reset the password I contacted the XXXX XXXX XXXX to see if they could contact them they have XXXX complaints complaining of the same things that Im complaining about.. I would like to pay them off and be rid of them they have ruined my credit XXXX of my creditors have already lowered my Limits I want them to take the late payments off of my credit report and help me to redeem myself and I wan na pay them I want to be rid of them.