davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (GA)

This company has not yet to provide substantial/credible validation of debt. The company provided a lease with that appears to be an automated FORGED signature of my name. This does not validate that this debt belongs to me. On XX/XX/2023 I requested validation of said debt.This company claims that I visited a local retail store by the name of XXXX XXXX XXXX XXXX Ga, opened a line of credit and agreed to a contract. The lease agreement also reflects a different total amount than being reported to the credit bureaus. Therefore, I am requesting that after reinvestigation that this collection account be removed from my consumer report immediately if substantial/credible validation of this debt is not provided.
Consumer complaint received 2023-08-02
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. (IL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the XXXX Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also XXXX  the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX Account Name : 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 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (TX)

BARCLAYS BANK DELAWARE Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX There is a credit inquiry on my credit report from XXXX that was not authorized. Possible fraudulent account opened. This was not authorized or initiated by me.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I was needing some financial relief so I filed bankruptcy in XXXX  a XXXX  XXXX. I was informed that I didnt need to file and I withdrew and the bankruptcy has been dismissed, and there are 3 cases that have been dismissed. I have attempted to get these removed from my credit report. And I did not give the courts permission to place the cases on my credit report. I have called to get them removed. I have submitted disputes with the credit bureau and they will not remove them, I have uploaded documents showing that the cases were filed incorrectly.
Consumer complaint received 2024-02-14
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX I went to Lowes Home Improvement to return an item that I purchased on my LAR account. I had paid off the account weeks prior to the return. The customer service person would not refund the item, but told me Synchrony bank would have to send me a check for the refund. On XX/XX/XXXX I was told by the store manager and the credit manager at the bank the store should have refunded me. While talking to the LAR team manager he assured me they had the credit from the store and a check was already in the mail that same day and it would arrive to me in 7-10 days. I called Synchrony bank back XX/XX/XXXX, XXXX, XXXX, XXXX inquiring about my money that I had not received. I called Synchrony bank agin on XX/XX/XXXX and talked to a LAR team member that told me a check had not been processed. I asked to speak to her manager that told me the exact same thing, but said she could process the check then and would expedite it. She said she would file a complaint. I called again on XX/XX/XXXX and was told the check was supposed to be mailed out today! I have been lied to several times and feel I have been wronged and the bank needs to make their wrong right, by getting me my money and giving me compensation for the stress Ive experienced! Im sure others are experiencing the same thing, which is very unprofessional and unreliable! If I had not continued to call, this refund looks like it would have never been processed! Synchrony bank you need to check behind your trusted workers as this makes you look slack on handling volume!
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX XXXX and the major credit bureaus XXXX XXXX Equifax XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX  XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, Equifax, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, Equifax, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I have resided in the State of Texas since XX/XX/XXXX and maintain cellphone service in Texas. 

On XX/XX/XXXX, I received a collections letter by mail from a debt collector called XXXX XXXX XXXX ( XXXX ), who was working on behalf of XXXX XXXX, a XXXX company. 

The collections was for unpaid cellular services in the state of Georgia and opened to someone at XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, Georgia XXXX. 
XXXX said the balance was {$2900.00}. XXXX said it was XXXX. Either way, I didn't open the account. I spent several months trying to get assistance from XXXX and XXXX to remove this collection account from my credit report, but neither was being helpful or quick. On XX/XX/XXXX XXXX at XXXX advised me to get a police report and send it to XXXX, which I did. XXXX insisted this wasn't enough proof of fraud. I then worked with the 3 major credit bureaus XXXX, XXXX and XXXX XXXX to remove the collections account. Unfortunately, XXXX is being persistent in trying to force me to pay for a fraudulently opened account and this item is back on my credit report now for {$250.00} with a new collection company called Eastern Account SYS. 

XXXX won't remove the debt and each time there is a new excuse. I have provided tons of personal information that as a fraud victim I am unhappy to have to share including FULL social security number, bank statements, mortgage statements, deed, car insurance and each time they've come back wanting something else because I don't have any utility bills in my name. 

Xfinity/Comcast is at fault because they admitted to opening this account without any proper identity and address verification. The customer service agent who gave me the account number and address advised that XXXX has a practice of sending sales reps to apartment complexes and opening accounts on the spot without any verification. I am a victim of their poor business practices and now they are insisting on holding me accountable for their mistake. I have submitted all requested documents 4 times to no avail. This last time they said the docs I sent timed out. 

This business needs to be held accountable for poor due diligence at account opening and even worse fraud handling processes. I am tired of being pushed around. My near XXXX XXXX XXXX is damaged and I have been denied access to start up business credit twice due to their greed and poor business practices. They should be fined and have to pay restitution to me and all other impacted consumers for the inconvenience and damage to our finances and personal lives. Please help me.
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

I have been using PayPal to receive payments for my friends and family only and also paid some of them using the same platform. 
on XXXX XX/XX/year>, I traveled to XXXX XXXX with my family when I was there I needed more money for my trip I asked my friend XXXX to support me financially he gave me what I asked for. 
in those transactions XXXX XXXX ( XXXX ) with a value of ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) and when I received them PayPal put them on hold for a few hours after that PayPal refunded all of them. 
in those transactions XXXX XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) *All values between the stars after the PayPal fees This made me cancel the rest of the trip and return after only 4 days because I did not have enough money ( all documents that prove what I said it attached ) after PayPal refunded all funds they asked me to upload my ID to prove who I am after I uploaded my passport they blocked me from using my PayPal account held the balance ( XXXX USD ) on it and told me ( You can't use PayPal anymore ) - ( Reference ID : XXXX ) and told me if I need my balance I should wait 180 days for it
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-07-27
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. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I keep getting letters about my PSLF application asking for more information. I have provided the same information multiple times prior to and then after consolidating my loans with Mohela. A year ago in XXXX they assured me they had everything they needed. Then this XXXX they asked for W-2s for XXXX XXXX. I have faxed them weekly for months. I finally uploaded them because sending a fax was not recognized or acknowledged. Then I received a letter to have my employer call them within 60 days. They did today and were told they no longer are doing PSLF. This should have been discharged 3 years ago.
Consumer complaint received 2024-01-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and

corrected from erroneous reporting in my file are listed on my credit report.XXXXXX/XX/XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

under the FCRA i am entitled to have one name and one address on my credit report. i am requesting that the name and address be reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX The following names and address should not be on my credit report XXXX XXXX XXXX XXXX. 
XXXX, MI. XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XXXX XXXX XXXX XXXX 
XXXX, MI. XXXX Equifax has added this items to my credit report again as these items was removed before. Equifax has betrayed and harmed my credit report and fail to ensure an accurate credit report for me. 

I amseeking that all three addresses be removed from my credit report
Consumer complaint received 2024-06-27
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 2024-06-19
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

XXXX XXXX charged my extremely high insurant rates so I canceled my XXXX Homeowners insurance. XXXX XXXX owed me a refund of {$8900.00}. They refused to deposit it into my USAA checking account and said they needed to send me a check, by-law! 10 days later I received the check. I did a mobile deposit into my checking account on XXXX XXXX USAA Banking is refusing to release {$6400.00} back to me. This money is needed in order to pay off the new insurance I had to acquire after I had to terminate XXXX  as my insurance holder. 
They are citing that I had prior returns as the reason why they will not release the money back to me however those mistakes were due to their banking errors and no fault of my own. 
I want the immediate release of my funds and I want USAA to reimburse me for late fees and interest that I am occurring as a result of the holding money that is rightfully mine. 
Since they are refusing to allow me to use my money I want sanctions and any negative action documented and reported against them as poor business practices. 
This is outrageous that they feel they can hold money that they took from me and had to return it to my by law and are now NOT allowing me to use my money.
Consumer complaint received 2024-01-29
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. (CT)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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