davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
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. (CA)

I recently pulled my credit to try to qualify for a mortgage and I noticed there was an account that does not pertain to me. The account is from XXXX XXXX and it was opened in 2014 with an address that does not belong to me. I did not open this account and I am not responsible for it in any way. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services, or any other benefit. I never made any payment towards this account. I don't know who is responsible for this account but I have already filed a police report. I have filed this report to the best of my knowledge.
Consumer complaint received 2022-06-24
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: Nelson Cruz & Associates LLC (GA)

Identity theft has affected me. I've been stuck at home due to the Corona Virus Pandemic, which has me concerned. I recently saw news reports regarding numerous XXXX data breaches. When I went to check my credit reports from the three major credit agencies, I discovered that my identity had been stolen. I don't know how the theft happened. Additionally, I am not aware of any suspicions. Identity theft did not cause me to receive any cash, products, or services. I spoke with the credit bureau, who advised me to report an identity theft, which I am currently doing. I value the work you put into solving this problem. Many thanks. If you do, kindly let me know.
Consumer complaint received 2022-06-24
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. (OH)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Klarna AB (AZ)

I have used the service provider Klarna Inc since 2021 without any issues, until recently. After numerous attempts to apply for the product, meeting all of Klarnas requirements, and satisfying all payments in a timely manner, Klarna has begun to discriminate against me and refuses to assist with the ongoing issues with their service. 

The issues stems from their automated approval system that performs a soft credit check every time a customer attempts to create one of their one-time use cards that are provided by their Buy Now Pay Later model, that allows users to split their payments into four equal payments if you use their service. 


For the past two months Klarna has declined my applications for one of two reasons whenever I attempt to use their service, their notices of adverse action show they either can not verify my identity or the payment method I am using is not able to be approved. 


I have verified and concluded all of my personal information on the Klarna website and my credit and consumer reports are the same information Klarna has always used when they approved me in the past, and the payment method I have attempted to use is a payment method accepted by Klarna that I have used before and meets the accepted payment methods Klarna advertises as the credit card in using is NOT XXXX XXXX 


Klarna accepts all major debit and credit cards such as XXXX, XXXX, XXXX and XXXX. Prepaid cards are not accepted Please note, XXXX XXXX does not support Buy Now, Pay Later ( BNPL ) products. 


At this point I feel Klarna is discriminating against me as they have refused to look into the issue and have ignored my complaints regarding their system. 

My partner uses the same service and we both used Klarna with the same frequency but he is still able to use XXXX service without interruption, even though his credit/consumer profile and history with Klarna is below mine.
Consumer complaint received 2022-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I have contacted the Department of Education, Aidvantage XXXX XXXX several times regarding issues I was having regarding fraudulent and incorrect information listed on my accounts with them regarding schools listed that I had never ever attended. There were XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had disputed these loans for years and the Department of Education XXXX XXXX refused to remove these loans from my accounts and records with them period. XXXX has a lawsuit and I did receive information in the mail that I was a part of the settlement in the amount of {$260.00} as well as the dismissal of loans. I saw on XX/XX/22 the email and news that the US and the XXXX XXXX are canceling XXXX  XXXX in student loans for {$200000.00} defrauded by their colleges and universities. This list includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as over XXXX schools. I have been disputing these items for years and the refusal in which to remove and update these items from my accounts on so many occasions is beyond egregious and excessive, to say the least. Department of Education is the worse as well and they need to be held accountable, liable and responsible as well just like XXXX and everyone else. They have the capability to make changes as well as updates and the fact that they flat out refused to do so for me after I have been battling this matter for years makes me want to file a lawsuit against them and I definitely plan to do so because I told them over and over again that I never attended these schools and the fact that they fail to assist me with this matter in my time of need is just exhausting and overwhelming, to say the least, and the fact that they did not believe anything that I was saying regarding this matter is the worse possible feeling and the worse thing that they could have done to me and now I am so glad to see them getting exactly what they deserve and then some. It has been long overdue and a long time coming. 

XXXX XXXX XXXX
Consumer complaint received 2020-05-14
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

On XXXX XXXX, 2022, I the consumer contacted ABILITY RECOVERY SERVICES LLC to send me proof that validates I have some contractual obligation to pay ABILITY RECOVERY SERVICES LLC. I received this response to my complaint made against ABILITY RECOVERY SERVICES LLC on Acct # XXXX : ABILITY RECOVERY SERVICES LLC is continuing to report on my credit profile alleging Acct # XXXX was verified pertaining to an alleged debt for {$2200.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing Acct # XXXX is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Failure on ABILITY RECOVERY SERVICES LLC behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2023-02-07
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)

XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-
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 2020-08-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

On XX/XX/2020 I was at home and i relieved a text alert that someone was checking my balance on my card .Then they withdrew XXXX dollars before I could call the company .My card was used at an atm machine in another city 95 miles from where I live.and my card was in my wallet the whole time.i called to dispute the charges right away and the bank now refuses to give me my money back.i have since called the bank in the city where my money was withdrawn, I filed a police report and still the bank will not give me my unemployment back.i have had XXXX  XXXX  for overt 10 years and I have never had so many fraudulent charges over that time.I will be closing my account and moving somewhere else!
Consumer complaint received 2020-05-14
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)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Enclosed is a copy of my Identity
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BILL.COM, LLC (MD)

On XX/XX/22 Bill.com shut down my account due to " verification issues '' I have sent them pictures of my passport, drivers license, checking account ect. They chose to do this the day before a XXXX deposit was scheduled to be deposited into my account from a customer. They are advising me that my account is " closed and canceled '' and that I will not get my XXXX payment.
Consumer complaint received 2022-06-24
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. (CA)

I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00}
Consumer complaint received 2020-05-14
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. (AR)

I asked Equifax and XXXX  on to conduct a investigation per section 605b of the FCRA. I sent them a copy of a FTC AFFIDAVIT NOTARIZED AFFIDAVIT AS WELL AS A FTC IDENTITY THEFT REPORT. 
I sent all request certified mail ON XXXX XXXX OF 2020 or with delivery tracking. They refused my blocking request of the  information because they cant meet the time guidelines set forth by the FCRA. Equifax said no on XX/XX/2020 by letter to the blocking request with no reason why? But said they would do a regular investigation which simply gives them more time then what is set forth by the FCRA FOR SECTION 605B. Not giving a legitimate honest reason why is a violation of my rights by law. XXXX  on XX/XX/2020 sent a letter and said no that they had investigated in one day and had clearly not investigated anything and offered to do a regular investigation into the identity theft. I WILL SUE ALL OF THEM IF THEY DO NOT GET THIS CORRECTED. THIS IS CAUSING ME FINANCIAL DAMAGE.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

disputed with the company twice the failed to investigate the stalled the process to investigate with original creditors on the validation of debt letter i sent to creditors the creditors also failed to validate said debt i owe. i disputed a third time with supporting documents on the validation letter sent the creditors are still reporting false debt on my credit profile
Consumer complaint received 2020-05-14
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$11000.00} XXXX XXXX XXXX {$130000.00} XXXX XXXX  XXXX {$7500.00XXXX XXXX  XXXX XXXX {$13000.00} XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX  XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXXXXXX {$930.00} XXXX XXXX  XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$12000.00}
Consumer complaint received 2022-06-24
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, U S Dept of Education 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 a account without my written instructions.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I am filling a formal complaint and notice of Pre Arbitration with Synchrony Bank they have breached their own contract and have provided false and misleading information. I have placed a dispute with Synchrony Bank about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF the following accounts Old Navy Account without notice and reported negative remarks, TJ Maxx they lowered my limit my account and than closed the card which lowered my credit score with a closed account. Care Credit account they lowered my credit limit without notice have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Dispute and Arbitration Agreement, it states that all claims arising from or relating to this Agreement and or Loan must be resolved by binding arbitration. Syncrhony did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft. Please take this complaint as a pre arbitration notice that I am taking before I file a complaint with the XXXX XXXX.
Consumer complaint received 2020-05-14
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)

Ive just reviewed my credit report and I noticed there are two inaccurate late payment items on my report as follows : XXXX XXXX Acct : XXXX : This account is listed as being 30 days late for XXXX of XXXX and XXXX of XXXX. I was never late while paying on this account. 

Under the FCRA, erroneous/inaccurate/unverified/unvalidated late payments must be removed. 

I demand that Experian changes any and all of the inaccurate, erroneous, unverified, and unvalidated late payment marks on my XXXX XXXX account to " paid as agreed ''.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2022-06-24
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)

I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I and my sister have been receiving emails and text messages from multiple banks stating my credit card application has been approved. I have spoken to one bank and have more to call but worried my info was used to open more accounts that I dont know about. Per the email and text messages I received someone applied for a credit card in my name. This was not me.
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (TX)

Experian Credit Reporting Agency The credit reporting agency Experian has refused to do and provide accurate investigation results. The inaccurate info they are reporting is hurting my ability to obtain credit for business and personal reasons. Ive tried to dispute the inaccurate information multiple times and still havent be provided proof of the account being mine. 

The account they refused to proof for is : XXXX XXXX XXXX Services XXXX