davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (GA)

To Whom It May Concern, I am writing to file a formal complaint against Kinum Inc. for unlawfully listing a debt on my XXXX credit report. On XX/XX/year>2024 I checked my credit report and saw Kinum Inc has falsely stated that I have an open balance of {$5100.00} and that the original creditor is Kinum Inc. I have never owed any debt to Kinum Inc., nor have I had any accounts with this company. Despite this, they have falsely reported a collections account and a huge amount owed on my credit report and listed themselves as the original creditor. 

I have literally never heard of this company and when I searched it up they are listed in XXXX as " a debt collection agency in XXXX & XXXX  XXXX can recover funds owed to your company. '' If they are a debt collection agency how in the world are they on my report as if they've extended me credit??? 

This action by Kinum Inc. is a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681s-2 ( a ) : This section mandates that furnishers of information to consumer reporting agencies must provide accurate information. By reporting a debt that I do not owe and listing themselves as the original creditor, Kinum Inc. has failed to comply with this requirement. 

2. 15 U.S.C. 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. XXXX has evidently failed to verify the legitimacy of the debt reported by Kinum Inc., resulting in the inaccurate listing on my credit report. 

3. 15 U.S.C. 1692e : Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of any debt. Kinum Inc. 's false claim that I owe them a debt and their listing as the original creditor constitute deceptive practices under this section. 

These inaccuracies have caused significant harm to my credit score and financial well-being. I request immediate removal of the false debt from my XXXX credit report and demand that Kinum Inc. cease reporting this erroneous information. 

Furthermore, I seek an investigation into Kinum Inc. 's practices and request that they be held accountable for their violations of the FCRA and FDCPA. 

Resolution Sought : 1. Immediate removal of the erroneous debt listing from my XXXX credit report. 
2. Confirmation that Kinum Inc. will not report any false information on my credit reports in the future. 
XXXX. Appropriate sanctions against Kinum Inc. for their violations of the FCRA and FDCPA.

Please find attached copies of my credit report showing the false listing, along with any additional documentation you may require to facilitate this complaint. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (PR)

Hi, The financial institution related to XXXX XXXX XXXX store made a unauthorized pull of my credit report information without my consent. I didnt request a new credit line or products, based on the information obtained of my actual credit report information they made a adversely decision to reduce my previous credit line with the institution affecting my balance and increase my credit utilization from 60 % to almost 98 % affecting adversely my credit score. 

When I inquired the institution of the unauthorized access to my credit report and requesting to restore the previous credit line, they only provide me the option to request a credit limit increase and check again my credit report. 

I explained that I didnt request any new products or credit with the institution and didnt provide my consent to access my credit file. They told me its in terms and conditions, but I didnt agree with that or signed. I ask for the papers to review it, they cant provide me that until 30 days. 

I request a copy of the transcript and they told me at the end of the chat I will have it, but the entire conversation was deleted.
Consumer complaint received 2024-05-31
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)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2020-03-13
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. (OH)

ON XX/XX/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MA)

Are : Fidelity credit card managed by Elan Financial services. 
Sent in a check dated on XX/XX/XXXX, their own recording reports that they received the check on XX/XX/XXXX. The due date was XX/XX/XXXX and they processed it on XX/XX/XXXX or XX/XX/XXXX. This caused us to be charged a {$30.00} late fee and XXXX $ in interest charges. 
They said they reviewed and refused citing they had already remedied a previous late fee based on their late processing.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-05-31
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. (MN)

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 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo deactivated my card without my consent. The card was still good until XX/XX/24 and when I called them XX/XX/24 to tell them my card is not working when I was at the store they then informed me that they sent a new card out but it was not deliverable when they have my address because they have mailed me out letters.I had to then use my credit card which charges interest. I should have been able to use my card until it expired. They told me that they have no fault in this and I 100 % disagree. They canceled my card without my acknowledgment and did not inform me of any problems. If I did not call them they would have never fixed the problem. Wells Fargo does not look out for the best of their customers!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Some of the accounts on my credit report are unrecognizable. These accounts need to be removed since we are unaware of their existence. Identity theft has occurred to me. This letter lists all accounts that are unfamiliar to me. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. Herewith, I respectfully request the removal of the items listed. It would be greatly appreciated if your team could assist me in advance.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

REMOVE THERE WAS NO INVESTIGATION Dear transunion PAST DISPUTE TRACKING # XXXX # XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ssn : XXXX XXXX. XXXX XXXXXXXX : No notice of dispute. Delete for violation of FCRA 623 ( a ) ( 3 ). I disputed on XXXX by XX/XX/year> there was no notice of dispute. Delete this account for false reporting & failure to update information under FCRA rights remove or delete immediately. 

SOLUTION : i want this account removed or deleted for no notice of dispute thats a violation been 3 months & theres still no notice of dispute this is failure to communicate please remove this account. i have past credit reports that shows they havent put notice of dispute 3 months ago nothing changed. Delete or remove XXXX XXXXXXXX
Consumer complaint received 2024-06-01
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)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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: EQUIFAX, INC. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc. (OK)

I received a Cashapp XXXX card in the mail. I have never created an account with them. I have never downloaded their app. I called to close the account, they asked me to verify more information, at which I have already given them my legal name, my phone #, my mailing address, my email. They still will not close the fraudulent account. They have disconnected the call 3 times stating they have done everything they can for me.
Consumer complaint received 2024-05-31
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. (MD)

Despite my repeated efforts, fraudulent, inaccurate, and misleading information remains on my consumer credit reports. The negative presence of these unauthorized items has severely impacted my life, causing immense stress and XXXX I am a victim of identity theft and did not consent to any of this information being associated with my name and credit profile. 

I must inform you that due to the lack of resolution, I am now actively pursuing legal action against your company for violating the Fair Credit Reporting Act. Your continued reporting of verified inaccurate information is unlawful and has led me to this escalated course of action. 

I demand that you take immediate steps to fully update, delete, and block all fraudulent accounts, inquiries, collections, and any other items stemming from the identity theft from my credit reports and file. This is a matter of utmost urgency and seriousness.
Consumer complaint received 2023-10-24
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. (FL)

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 corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NM)

I would like to know, WHY,, When Anyone checks their credit report ( Hard or Soft Check, ),, their credit rating is Lowered.. Keeping track of your credit score should Not be Punished.. 
I have gotten MANY responses,, But No One knows the answer to my question ... 
This is an Upper Level Executive Question ...
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

US Bank first informed me of fraudulent activity on my checking account via phone on the night of XX/XX/2024. On XX/XX/2024, I called the XXXX for US Bank again to find out what was going on. Both days, both agents informed me that I needed to go inside the nearest US Bank branch and fix the issue. I went to the branch in XXXXXXXX XXXX on XX/XX/2024. The bank informed me that my checking account was set for closure and that US Bank would mail me a statement and a cashiers check with my remaining balance. Today is XX/XX/2024. US Bank continues to tell me the account is open and I need to wait for a letter in the mail. THIS IS RIDICULOUS AND UNACCEPTABLE!!! I NEED HELP!!!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX 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 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 2021-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (PR)

On XX/XX/2021 an unauthorized transaction was made from my account to another personal account and the amount of this one was of XXXX XXXX XXXX XXXX dollars. There is no other person authorized to carry out transactions from this account and as of today, I only have a debit card which was suggested to apply for it again by the same company to avoid any fraud or loss of additional money. As a customer, I think that in some way or another a password could have been leaked since the email account is linked to this bank account and since the day it all happened I have received countless emails to which I have never subscribed. Concerned about the situation, I directed myself to the company and one of their representatives suggested that I fill out a customer dispute form which was sent by mail and the postal mail from XXXX XXXX has been overworked because of the pandemic, but since I only had ten days to send the dispute, they also recommended that I download it directly from the website. I proceeded to download the dispute form and filled it by hand and send it via fax ( XXXX ) as the email did not allow me to send a document that was larger than 10mb. Then, I contacted one of their representatives to confirm that the fax had arrived and they gave me assurance that it had arrived. They told me to give it 1-2 days in which it was verified and when I contacted me again they told me that the dispute had not gone in my favor since the other financial institution had received the money. After all this, about two days later, I received an official letter in which it said that no error had occurred and that my case was denied and closed. I contacted one of her representatives and I asked her if I could take this to the court and she informed me that as a client I have all the right and she also told me that i could call the next day so I can speak with the accounts department so they could give me information about the other financial institution that received the money so I could called them and ask a reimbursement of the money.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXXXXXX The above account is not my account. I have reached out to the credit bureaus over 7 times. They have yet to remove this account or provide me proof. I have no knowledge of this account and it need to be removed from my credit report. This is fraud and is affecting my credit. THIS IS NOT MY ACCOUNT. FRCA states everything should be 100 % accurate, if not it must be removed. REMOVE THE ACCOUNT OFF MY CREDIT.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-31
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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.