davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
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: EQUIFAX, INC. (FL)

Unauthorized Credit Inquiry by several companies on my Credit Reports : XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX   XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX  ( XX/XX/2018 ) I did not authorize anyone employed by those companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

On XX/XX/19 I sent a letter to the credit bureaus asking them to validate the debt from Caine and Weiner because I was unfamiliar with it. XXXX   removed the account. XXXX  continued to report the debt even though it could not be validated. On top of the debt not being validated. There is another company collecting on the same debt. How is that possible when the law states that only one collection company can collect on the debt? 
I requested validation from Caine and Weiner on XX/XX/19 and I never received the proper documents and they have yet to remove the account from my credit XXXX Credit report.
Consumer complaint received 2021-01-25
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch (NC)

After applying for a mortgage loan in XXXX, I found out that XXXX XXXX report a debt in collection to the credit bureaus. I reached out to XXXX XXXX was told that my account was sent to a third party Kinum ( XXXX XXXX XXXX. Therefore, I contacted Kinum XXXX XXXX XXXX XXXX to resolve this issue and was told that the account wasn't there. I initially applied for a loan from XXXX XXXX to attend XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX in XXXX but didn't attend until XXXX. After 2 months of attending the school, I dropped out due to personal reasons and requested for XXXX XXXXXX/XX/XXXX to send the funds back to XXXX XXXX. I wasn't aware nor notified about any monies owed until reviewing my credit report in XXXX. Recently, Kinum XXXX XXXX XXXX XXXX appeared on my credit report. I reached out to Kinum directly requesting to remove this debt off my credit report based on not having an agreement and requested proof. Kinum sent me a contract with my personal bank and contact information without my knowledge and forged signature. I never gave this information to Kinum. 
Some of the documents have my forged signature that is similar to the representative 's signature. Attached are the documents that includes my driver license enclosing my signature comparing to the forged signature on the falsified documents.
Consumer complaint received 2019-04-26
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. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Consumer complaint received 2022-10-01
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. (NC)

XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX 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 an account without my written instructions.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (GA)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXBalance Owed : {$0.00}, XXXX XXXX Balance Owed : {$18000.00}
Consumer complaint received 2021-01-25
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. (CA)

Hi I have these inquiries listed on my credit file which do not belong to me. I have a credit freeze and an extended fraud alert on my credit file and all request for credit I should receive a phone call. 

These are fraud. I am unsure if the credit is opened or not. However I would like them removed.
Consumer complaint received 2021-01-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

This is an Amendment to Complaint # XXXX. 

Since CFP will be forwarding documents to Wells Fargo, I will not be sending them separately UNLESS they request the documents. I've already spent ALL WEEKEND going through my records, scanning documents, and now filing an Amendment to my original complaint.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MN)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> Late Payment : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, ND XXXX Also Known As : XXXX, XXXX, XXXX  Employers : XXXX XXXX
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This a addition to the report already filed, incident # XXXX. I am attaching another letter show that I was denied a credit card because TransUnion had deleted all my trade lines making it seem like i had no credit.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Accounts on my credit report are reporting inaccurately. I have sent in letters to the Experian, XXXX, & XXXX to dispute, and it just seems like they are not doing their job correctly. Some accounts are reporting 30 days late multiple times. When it was only late once. Accounts that have been paid and agreed to be removed have not been removed from the credit report. I have requested that balances be updated and they still have not been updated.
Consumer complaint received 2021-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Regarding : - My Private, Federal, Department of Education Student Loans Concern : 1. Origination Process a. XXXX XXXX should be held accountable for lack of ethics, underwriting, deceptive marketing practices, price gouging, and absence of clarity to uneducated borrowers by not explaining truth in lending. XXXX XXXX knowingly failed to recognize my financial understanding, vulnerabilities and financial position during the origination process. 
b. Both XXXX XXXX College and Sallie Mae should be held accountable for originating loans designed to fail 2. Repayment Servicing a. Sallie Mae Bank and Navient Solutions , Inc. should be held accountable for course-plotting me into five of the six forbearances when IBR should have been made available, for omitting pertinent information that would allow me to make informed financial decisions on multiple occasions, for false claims stating theyre willing to act in the best interests of the borrower if the borrower calls in for assistance, for misallocating and misapplying payments, for numerous errors on their website, for misinformation given by customer service representatives, for being placed on hold for an hour and a half, for lack of clarity and transparency and for a substantial monetary injury to both myself and my husband.

Please see my 13 page complaint letter and supporting documents.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

On XX/XX/22 I went to unfreeze my credit with Experian through their website. I had frozen it prior to this date and was seeking to unfreeze. However, Experian now REQUIRES an account creation to access credit freezing and unfreezing. As my credit was already frozen, I was essentially held hostage and FORCED to create an account to unfreeze my credit. Experian required I provide sensitive information to set up this account. Experian also failed to provide basic security features, such as email notifications upon account creation and offering two-factor authentication. These basic features would demonstrate that Experian is protecting the sensitive information that it forced out of me- however it is not providing these basic protections. So, in summary, my credit was held hostage ( frozen ) and I was forced to unwillingly enter personal, sensitive information into a website, and that website does not provide adequate security measures to protect the information that I unwillingly had to provide.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a new XXXX XXXX with a 1 year warranty from Kohls and it had a manufacturer 's defect that caused a part to break soon after I purchased it. I tried to work with XXXX to repair the scooter through warranty, but they were unable to repair it. I asked Kohls to return the item but they refused because it was past their return period. I asked Capital One to issue a chargeback because the item was not as described and the warranty was not honored. Capital One contacted Kohl 's and Kohl 's response was that I can return the scooter under their 180 day return policy, but the Kohl 's representative was mistaken and I am not able to return the scooter because it is covered under the 30 day return policy for premium electronics. Capital One refuses to give me any information on why they believe the transaction is valid and tells me I should contact the merchant. 

This is a dated summary of the events : XX/XX/XXXX - I purchase the scooter online XX/XX/XXXX - I received the scooter XX/XX/XXXX - Scooter breaks, I contact customer support XX/XX/XXXX - End of 30 day return window XX/XX/XXXX - I follow up with customer support due to no response XX/XX/XXXX - Customer support responds saying return box was sent XX/XX/XXXX - Scooter was sent back to Segway for repairs XX/XX/XXXX - Scooter was delivered XX/XX/XXXX - I received scooter from manufacturer, contacted customer support saying the scooter was not repaired XX/XX/XXXX - Customer support requests more images/information - images sent XX/XX/XXXX - Customer support reports they will send me the replacement part XX/XX/XXXX - I follow up with customer support due to no response XX/XX/XXXX - Customer support reports replacement part is not available with no known ETA XX/XX/XXXX - I contact Capital One for assistance XX/XX/XXXX - I receive a letter from Capital One saying Kohl 's believes I can return the scooter and asks for more documentation XX/XX/XXXX - I fax Capital One the documentation asked, and inform Capital One that Kohl 's statement is inaccurate due to a clause in the policy XX/XX/XXXX - I receive a letter from Capital One saying I did not provide enough information XX/XX/XXXX - I fax Capital One asking for more information on what was not provided and include additional information that Kohl 's statement is inaccurate XX/XX/XXXX - I receive a letter from Capital One saying I should contact the merchant
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MA)

I saw a post of facebook for a XXXX item for sale. I contacted a XXXX XXXX to purchase the item for {$330.00}. Paid the {$330.00} on Zelle and the item was never shipped. Paid to husband 's Zelle account and then asked me to cancel and repay to her son 's account. Requested her to refund me several times. Then she asked for more money to ship. Now saying my loss XXXX Zelle account : XXXX XXXX XXXX Son 's Zelle account : XXXX XXXX XXXX My Zelle account is through XXXX XXXX
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/XXXX and XX/XX/XXXX I employed the services of XXXX XXXX XXXX  in XXXX  XXXX to perform mechanical work on my sisters truck at my home before I drove it back to New York State on XX/XX/XXXX. On XX/XX/XXXX XXXX concluded his work which I have texts of and I gave him my debit card in person so that he could charge me the agreed price of {$680.00} for the services rendered. I have not seen nor employed XXXX XXXX XXXX since then. However while in New York on XX/XX/XXXX after checking my Bank of America Checking account I saw that XXXX XXXX XXXX had besides the lawful and approved charge of {$680.00} on XX/XX/XXXX had made the following unapproved and fraudulent charges. a second charge of {$680.00} on XX/XX/XXXX, {$680.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX. I immediately called Bank of America to report the fraudulent claims they did not cancel my card and told me to reach out to XXXX XXXX XXXX since the payments were processing and there was nothing they could do while processing. I reached out to XXXX via text ( which I have saved ) telling him of the problem since I was also charged an additional {$680.00} that was processed on XX/XX/XXXX. He responded saying he was on the phone with his bank and would clear the problem up shortly. I continued to check in with XXXX. On XX/XX/XXXX he said it was being refunded. However i was then charged two more times. these charges for {$870.00} and {$870.00} were processed on XX/XX/XXXX. It was at this point I called Bank of America and insisted on a fraudulent charges Claims. XXXX never responded to any more of my texts or phone calls since then. 
I have had Bank of America deny my fraudulent claims 3 times at this point. they withdrew the temporary reversals given to me and left my account in a negative balance for almost three months now. I have sent them images of all of my text conversations with XXXX handy services and they are unwilling to reverse the charges which are clearly fraudulent and have forced me to move out of my apartment and fall behind on multiple payments with my truck now out for collection since they will not press XXXX XXXX XXXX ( who i can not reach anymore ) for the illegal charges. I have been dealing with this since XX/XX/XXXX and it is now almost XXXX of XXXX I have also been unable to receive my stimulus pay as its been deposited into my negative balance Bank of America Account. XXXX XXXX XXXX  charged me a total of {$4600.00} of which {$3900.00} was fraudulent and unapproved. If this is not resolved shortly I will have no other option then to proceed with suit with Bank of America.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Hi, I don't recognize these inquiries listed below at all, and I need all of them removed from my credit reports. In Accordance With the Fair Credit Reporting Act the Inquiries listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 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 an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OR)

I was contacted by XXXX XXXX XXXX about a debt collection from charges allegedly originating on XX/XX/2018, when I was seen in an emergency room in XXXX XXXX. Their letter arrived one year after my visit and referenced an account with XXXX XXXX XXXX XXXX XXXX ( # XXXX ) for {$1100.00}. I never received even a single bill from this company. They are completely unreachable by phone, as I have made numerous attempts to acquire my original bill so I can pay the debt collectors if the money is indeed owed. XXXX provided me with no additional contact information. 
Over the past year, I have paid numerous providers in relation to this medical event, without issue. I have excellent credit and have never once missed a bill payment in my life. I can not believe it is legal for a company to contact me out of the blue with zero proof of a bill and demand a large sum of money. If they had simply provided me with ANY information, I would feel better about paying this money. However, their total lack of information leads me to believe I do not actually owe and this is some kind of scam.