davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

My wallet was stolen during a football game in 2019, that included my driver 's license and social security card. I made a police report right after and was advised to place a fraud alert on my credit. I recently obtained a copy of my credit profile and noticed an account and credit inquiries that I have no affiliation with or knowledge of. I reached out to the XXXX XXXX XXXX requesting verification and that these inaccuracies be removed from my credit profile. Furnishing this account and information to my profile is in violation of 15 USC 1681, not only have I not given any permission or written consent, but fraudulent accounts are being reported on my profile due to identity theft. The impact this account is having on my credit profile is preventing me from accessing new line of credit. The creditor that I have no knowledge of that's reporting to my profile is, Resurg Coll. I also noticed a series of inquiries from XXXX XXXX  that I never authorized.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Klarna AB (AZ)

I have submitted several requests online for Klarna to close my account and delete my personal data, all of which have been ignored. Every time I reach out to support, the agent advises me to fill out the form and a specialized team will get back to me via email. No one from support has ever been able to give me an update on the status of my current requests or even see that they were submitted at all. At this point, Klarna is refusing to delete my account and my data, which I am entitled to. Klarna needs to immediately delete my account and my personal information as requested for over a month.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (MD)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2023-08-24
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I requested info on why my XXXX XXXX  card for my business was canceled, I was not late on any payments and they stated verbally that because of my high rate on my over all accounts, which I then told them this card is affiliated with my business and I am not late on any payments and have a minimum amount on this card. I also asked if that was the case why haven't you canceled my Amazon card which is also with your bank, I canceled my Brandsmart card and paying that off at this time. They said they would send me a letter and we ended. the call. I tried to speak with them again after I noticed they have applied late payments to my account when I asked to speak with a manger they put me on hold and then hung up on me. which is why I am very upset.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I am writing to dispute fraudulent accounts that has appeared on my credit report. It has come to my attention that my identity has been stolen, and this unauthorized account has been opened without my knowledge or consent. 

I have recently reviewed my credit report, and I was shocked to discover the presence of a fraudulent accounts under my name. The accounts in question is with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have never had any dealings with this creditors, nor have I ever authorized the opening of these accounts. It is evident that someone has fraudulently used my personal information to establish these accounts I have a disputed these accounts several times with my police report XXXX Experian and XXXX are not doing a real investigation they are just placing verified these accounts are not mines if they do the real investigation they will see that these three companies needs to be penalized for not doing investigations the automated computer dispute system does not work for me I WANT THESE ITEMS REMOVED IMMEDIATELY I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report as soon as possible. I understand that as per the Fair Credit Reporting Act, it is the responsibility of the credit bureau to ensure the accuracy of the information on my credit report. Therefore, I am confident that you will take the necessary steps to rectify this issue promptly. 

To assist with the investigation, I have enclosed the following supporting documents : 1. Identity theft police report 2. Screenshots of accounts In question Please note that I have already contacted the local authorities and filed a police report regarding this fraudulent activity. I am taking all necessary steps to ensure that the responsible party is held accountable I have already contacted Attorney General I appreciate your prompt attention to this matter. It is crucial that this fraudulent account is removed from my credit report so that I can restore my financial standing and protect my creditworthiness. 

Thank you for your understanding and cooperation. I look forward to a favorable resolution to this dispute.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2016-04-06
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc (MD)

I am receiving calls from a florida number multiple times a week sometimes twice a day. Every time I answered there was never a person on the other end of the line. I would just hear dead air. No message was ever left. Sometimes I would have a voicemail of dead air from these numbers : XXXX, XXXX, XXXX, XXXX. This has gone on for several months. No actual communication was ever made from any of these phone numbers until XXXX/XXXX/16 when there was finally a gentlemen by the name of XXXX XXXX stating he was from national service bureau and asking about my social security number. He told me I had a debt thats been building interest since XXXX. I believe this company is purposefully using these tactics to build up interest and make more money off their debtors. I had no idea and no form of communication to alert me that I had a debt. This is very shady business practices. No joke as I 'm writing this I received a call from XXXX that I answered and shocking dead air nobody on the other line. I ca n't imagine that this is a legal business practice.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX/XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to file a formal complaint against Bank of America regarding an unresolved dispute and the inaccurate listings of multiple accounts on my credit report. On XX/XX/2023, I submitted a dispute letter to Bank of America regarding the accounts listed under the account numbers XXXX, XXXX, and XXXX. As of today, I have not received any response or acknowledgment from Bank of America in regard to these disputes. 

This lack of response and failure to address my concerns is in direct violation of fair credit reporting practices. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and fair investigation into disputes regarding inaccurate or incomplete information on my credit report.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Self Financial Inc. (TX)

Self Financial Inc- This account was set up fraudulently. I called the company multiple times, but they were unable to verify my correct SSN, email address and phone number used to establish the account. The company said someone would be in touch within 30 days, no response. Contacted the company multiple times to dispute account with no response and no live customer service rep to speak with.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

Hello, I have been trying repeatedly over the past XXXX months to continue making.my student loan payments to Aidvantage. I was first using my saved bank account info ( which I verified was correct and which was the same info I used to make my first payment in XXXX. ) since then, they have been continuously rejecting my payments with a notice saying the bank account number on the payment is wrong. I tried removing the account info and re-adding it and still got the payment reversed. I made sure the info is correct. At this point I can only speculate that aidvantages payment system is not correctly storing and transmitting my bank account info when I attempt the payment. I tried to call but was unable.to reach a lXXXX XXXX 

I am frustrated as my account is now.over XXXX  days past due and I am paying interest on the full balance even though I have been trying to pay. Part of the frustration as well is that they will show the payment successfully posted for a few days before reversing it again. I have a record of the attempted transactions if needed.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, Equifax XXXX XXXX XXXX. It's important for this date to be accurately reported and consistent across all bureaus. 

XXXX. **Payment History : ** The payment history is not consistent across the bureaus. While some months show different late statuses ( 30, 60, 90 days late ), others show no reported history. Ensuring accurate and consistent reporting across all bureaus is essential. 

XXXX. XXXXAccount Status : ** The reported account status seems inconsistent or contradictory between the remarks and the reported payment statuses. The account status should reflect the actual payment history and current situation accurately. 

XXXX. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and the account status, especially with the remark " Account has been closed due to inactivity. '' It's important to clarify whether the account was closed due to inactivity or as a charged-off account. 

XXXX. **Creditor Remarks : ** The creditor remarks vary across the bureaus, with different statements about the status of the account. It's important for these remarks to accurately reflect the actual circumstances surrounding the account. 

XXXX. **Credit Limit : ** There's inconsistency in reporting the credit limit, which should ideally be accurately reflected across all bureaus. 

XXXX. XXXXDispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

I received an email from a credit monitoring service that a XXXX  inquiry was blocked, because my credit report is frozen. " If this doesn't look familiar, it could mean someone tried to open an account in your name. '' When I reviewed my credit report, I didn't see any negative activity, so I contacted the credit monitoring company and spoke with a XXXX who told me that there was nothing that was reported about a hard inquiry and provided me the number to the credit bureaus to discuss it with them. I had the freezes already placed on my credit reports with XXXX  XXXX  services. I am an existing customer with the company in question, so I checked my account and nothing had changed there. The next day I received an email from the company in question to call them about my credit application. Because of the time, I wait to speak to someone the next day to tell them I did not submit a credit application. I was told that a fraud alert who be sent out on my behalf with there apologies and offering to pay any costs associated with this error. I checked my credit report over the phone and I received a message that a fraud alert was on the account. Today I received another emailed from the company in question stating they posted a new notice or letter in my account and encouraged me to read the XXXX page letter in its entirety. I tried to call the company in question to get more information, but they are closed. I am being directed to take action to protect my personal information : contact the FTC for advice, add XXXX  and XXXX alerts with the XXXX credit bureaus, notify all of my banks and financial companies, review my credit reports carefully, file a police report, report any issues with my mail, and close any fraudulently opened or changed accounts. In order for me to get the details from the fake application I have to send in proof of identity and FTC report numbers and Theft XXXX and XXXX XXXX from the company in question. This request must be mailed in writing. Questions asking me how was my identity XXXX  ; that is a mystery to me and I XXXX curious to find out.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NE)

I was on XXXX  and my claim went through that was already processed with XXXX  relief through XXXX  but the wells Fargo bank closed my account due to car insurance fraud. When they closed my account and started up a new one XXXX from my claim including XXXX in XXXX  relief was withheld and I never received it. My old account was kept open and the fraud was manufactured through a closed account. I put through disputes to the bank but this portion of my dispute has not been paid back.XXXX is still owed to me. At the time I was emaciated and starving at XXXX for lack of food and work which caused health problems.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NJ)

I am following up on XXXX complaints now, all of which have been closed without any resolution. I've been the victim of identity fraud for a very long time, starting XX/XX/2021, I had received an onslaught of applications for credit cards, loans, and other items all using my information without my consent. I had let the credit agencies know and all of them had applied locks and freezes to my accounts at my request. On around XX/XX/XXXX last year I was notified that my Experian account had been unlocked, I was not familiar with that change so I had called in, they had totally different information on file, they had advised me that someone else had created an online account and changed all of my information. they had also registered for an Experian premium account so they were able to gain comprehensive access to my file. I had found out about the issue and disputed it with Experian, they claimed then it would be fixed quickly. We are now XXXX  months past this incident I have had XXXX open cases at Experian and still NO RESOULTION, I still can't access my file online as the old account is still stuck on my profile. I need help, I'm terrified this can happen again and Experian does not care, I've talked to them on numerous occasions and they have yet to make any progress on resolving the issue, I need someone to advocate for me and help me as a consumer. There are multiple articles online that this has been a known issue for Experian dating back several years, it's gross negligence on their part to not have a more secure system in place.
Consumer complaint received 2023-12-29
Product: Credit 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: U.S. BANCORP (MA)

While in the XXXX, my credit card was compromised XXXX different times for cash advances amounting to {$790.00}. XXXX of the transactions was a Doctors office where a credit adjustment for {$230.00} was issued against my card. 
Elan Financial Services is the issuer of the card and refuse to remove the bogus charges from my account. They stated that because I still physically have the card they are not responsible. 
Please help me, I am XXXX XXXX XXXX and will not pay this because I didn't do it. 
I talked to them today and they refuse to reopen and investigate this fraudulent activity.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX