davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is not a valid debt. yet it is showing on my credit report from XXXX, Equifax, and XXXX. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (CA)

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 XXXXKikoff Lending LLC*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to notify you that I am a victim of identity theft, and my personal information was used fraudulently to open the above-referenced account with Kikoff Lending LLC. I did not authorize this account and request that it be closed immediately. Furthermore, I request that all charges on this account be absolved and that you take all necessary steps to remove any related information from my credit files. 

Enclosed are my Identity Theft Report and a copy of my credit report indicating the fraudulent items related to Kikoff Lending LLC. I have also included the CFPBs Notice to Furnishers of Information, which outlines your responsibilities as an information furnisher under the Fair Credit Reporting Act ( FCRA ). As a furnisher, upon receipt of my Identity Theft Report, you are required to cease furnishing this information to any credit reporting agency ( CRA ) and take appropriate steps to rectify the situation. 

Please investigate this matter, close the account, absolve me of all charges, and confirm in writing the actions you have taken. Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ** - Identity Theft Report - Copy of Credit Report - CFPBs Notice to Furnishers of Information [ PDF ] --
Consumer complaint received 2024-07-17
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: KEYCORP (CO)

I took my vehicle into repair shop ( XXXX XXXX ) for fluid leaks. paid the merchant. Leak was not repaired. Took vehicle back into merchant. Merchant claimed leak was came from another part. Paid to get repairs. After several visits, the merchant charged me almost {$5000.00} but the repairs were never completed. Merchant told me to get off his property and never come back because I was complaining that he never completed repairs. Too my vehicle into another mechanic who discovered the leak and made necessary repairs and also discovered parts used on my vehicle was not parts that should be used on my vehicle. I immediately notified my credit card company that I was defrauded and submitted a claim with a lot of documentation. Today, XX/XX/year>, I called Key Bank to ask about the status of my complaint. I was informed that an investigation was complete and denied my claim. I was upset because I was never notified and Key Bank sending documentation. Key Bank stated they will not reopen investigation. I asked manager XXXX about status of my complaint involving Key Bank employee where merchant claims Key Bank employee stated to them that Key Bank employee said that I was a " fraud '' and my complaint was " fraud '' even before their investigation was completed.
Consumer complaint received 2024-07-09
Product: Credit reporting 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. (MA)

I am disputing an unrecognized account listed on my XXXX credit report. The details of the account are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Status : Open Credit Limit : {$500.00} I do not recognize this account, and I did not authorize its inclusion on my credit report. I have no knowledge of this account, nor have I ever held an account with the details mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and verifiable information. I request that this account be investigated and removed from my credit report immediately, as it is not a valid representation of my credit history
Consumer complaint received 2024-07-26
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. (WA)

I unfortunately noticed I am a victim of identity theft recently and I am attempting to remove all fraudulent inquiries that did not authorize. I have enclosed a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove the following fraudulent information on my credit file. 
The information on my credit report does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove the fraudulent information below per sections 605B, 615f and 623a6 of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (WA)

I was previously paying {$370.00} a month on my student loans to XXXX, which were transferred to Aidvantage in XXXX. In XXXX I changed my auto-pay payment method from withdrawing from my personal savings account to withdrawing {$350.00}, the required payment, from my spouse and my joint savings account. Immediately my interest rate, which had been 6.125 % while on autopay for consolidated loans, went up to 6.375 %. Simply switching which account I pay from shouldn't cause an increase in interest rate. I already think this account is overcharging me in interest. I would appreciate if the CFPB would look into this because Aidvantage is being sketchy.
Consumer complaint received 2024-07-04
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NE)

I am filing a formal complaint against Chase Bank concerning the denial of my application for a Chase Edge credit card on XX/XX/year>. I believe that this denial involved violations of federal consumer protection laws, specifically under 15 U.S.C. 1691 ( Equal Credit Opportunity Act ) and 12 CFR 1002 ( Regulation B ). 

Chase Bank provided the following reasons for the denial : History of poor credit performance Too few accounts with recent payment information Revolving accounts not paid as agreed Current or past bankruptcy, charge-offs, public records, judgments, tax liens, or collections I contend that these reasons are unlawful grounds for denying credit under 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse action based on credit score, credit history, or income without a legitimate, legally justified basis. 

Detailed Explanation : 1. Unlawful Denial Based on Credit Score, Credit History, or Income : Under 15 U.S.C. 1691 and 12 CFR 1002, it is illegal to deny credit based on credit score, credit history, or income unless there is a legally justified basis directly tied to creditworthiness. The reasons provided for my denial suggest these prohibited factors were used, which would constitute a violation of the Equal Credit Opportunity Act. 
2. Adverse Actions in Consumer Credit Transactions : Any adverse action in a consumer credit transaction, as communicated by Chase Bank, should comply with all applicable laws. Denial based solely on credit score, credit history, or income without a clear, legitimate, and lawful justification is not permissible under federal regulations.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CO)

I have formally disputed inaccuracies in my credit report directly with the credit bureaus. However, instead of rectifying the errors, MoneyLion has reported additional incorrect information. Consequently, there are now demonstrably false entries in my credit report. This situation suggests either a lack of proper record-keeping on their part or a deliberate attempt to misreport information, potentially to deter challenges to their inadequate record management. 

The reported date of the first major delinquency as XX/XX/XXXX is incorrect. The loan in question was discharged in XX/XX/XXXX under XXXX XXXX XXXX, as evidenced by Exhibit 1. Additionally, comments have been added to my report with other bureaus stating that the debt was settled and paid in full for less than owed, which is inaccurate. The debt was discharged in XXXX XXXX XXXXXXXX and was never settled prior.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc. (NY)

For XXXX months they have delayed. The month of XXXX and now XXXX. Their statement is 'they will research it and contact me. This is a scam. I want my money and I want to close the account.
Consumer complaint received 2024-08-22
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: Merrick, Costello & Walsh, LLC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zakheim Law Group, P.A. (FL)

In XX/XX/XXXX, a document was sent to XXXX XXXX XXXX XXXX, XXXX, Florida ( as shown in the attached document ), concerning a debt from XXXX through Zakheim and LaVrar, P.A. Yet, I wasn't living at that address at the time. Consequently, I missed the court date by phone, which I was unaware of, and a judgment was made against me. My current address could have been easily obtained from public sources, and I could have been adequately served. On XX/XX/XXXX, a Writ of Garnishment was issued, and my wages were garnished while I was working at XXXX. I contacted attorney Zakheim and informed them that my rights were violated because I wasn't given notice to defend against the garnishment of wages and other property at the time of the writ, as required by law. As a result, the garnishment was lifted, and my funds were returned. The process should have stopped at that point because Zakhein and LaVrar did not follow proper due course. I have claimed exemptions over their attempts for the last 13-14 years, as I have a XXXX XXXX XXXX who is currently in treatment and is not employed, and I provide all his support along with after-market health insurance. Additionally, I have recently received interrogatories in aid of execution, and I am unable to comply due to undue burdens, as I am currently ill and undergoing XXXX. Since Zakheim and LaVrar, P.A. did not follow the proper legal procedure in XXXX, I consider anything after that harassment. Additionally, since they represent XXXX, I will also contact XXXX. Please see the attached document outlining the ongoing issue since XXXX.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received an email from Capital One this morning telling me my account has been suspended and is scheduled to be closed on XX/XX/19. I called Capital One to ensure the email I received was even real only to find it in fact it was. I asked them to not close my account as I have a XXXX credit line and owe XXXX on the card. As you are aware this is 0 % utilization which helps my credit score which is already over 800 but this will pull that XXXX out of my total available credit and overall usage ( which is still incredibly low being around 2-3 % utilization ). Here are the facts : 1. Never paid a late payment on a single trade line. 2. 31 year same place of employment. 3. FICO over 800. 4. Total debt to income ratio is extremely low. I simply want to know why and understand how they are allowed to negatively impact my credit score for no cause other than i haven't used the card in over a year? UMMMM doesn't this sound like wise credit usage? Unreal and I would appreciate you looking into this or changing how my credit score can be negatively impacted EVEN if over 800 already based on decisions out of my control.
Consumer complaint received 2024-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DE)

I used my chase sapphire preferred card ending in XXXX to book hotel room via chase travel portal on XX/XX/2024. I was supposed to get {$50.00} credit. 

I contacted customer service who said that credit will be posted in 1-2 billing cycle. But historically credits have posted within few days of the charges. I have talked to many people who has received this {$50.00} credit in few days recently.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I received an email from my paid credit monitor service that a bankruptcy was reported on all 3 credit bureaus. so I called each bureau and ask them who reported this information. everyone lied to me and told me the court reported it. So I sent a letter to court asking them why did they report this to Equifax, XXXX and XXXX. The court mailed me a letter stating that they will never report any information to any of the credit bureaus or any 3rd parties nor has business with any of them. 

So I mailed a certified letter and priority letter to each credit bureau also to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. along with that dispute was an attachment of copies of my social, ID and proof of address along with the copy of the letter the court mail me stating they don't report to none of them nor has business with any of them. 

The dispute letter was me Demanding for the bankruptcy to be deleted immediately. It has now been over 30 day and i haven't received any response in the mail. But on my paid credit monitoring service it shows my investigation is completed and verified as accurate. 

The listed companies above is in clear violation. And someone is not doing there job.

This is a violation with the Privacy Act of 1974 This is a violation with the FCRA This is a violation with FCRA 611 ( 15 USC 1681i ) This is a violation with FCRA 623 ( a ) ( 5 ) This is a violation with 15 USC 1681a ( e ) This is a violation with 15 USC 1681b ( a ) ( 2 ) This is a violation with 15 USC 1681c ( a )