davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (GA)

This is the second complaint that I have had to file against the same company. Their customer service department and management team has been willfully deceitful in the handling of my account for over a year now. I was disputing transactions and the Apple/GS Bank continually denied the dispute without ever fully investigating my claim. They abruptly closed my account without reason, merit, or explanation. It was not until the CFPB got involved did Apple/GS Bank credit my balance for the dispute. HOWEVER, after my balance was credited, it created a credit balance that was due back to me because the dispute amount exceeded the current balance. I spoke to Apple/GS Bank and was told that the " credit refund balance '' would be deposited to my linked account within XXXX business days from XX/XX/2024. I was given the case number XXXX. XXXX business days came and went, and I did not hear anything from Apple/GS Bank, nor did I receive any deposits, That case number anonymously closed out without explanation... I reached out to Apple/GS Bank only to find out from a representative that the case for my " credit balance refund '' had somehow been denied and that it would not be sent for some reason. Upon pressing the representative for more details, he indicated that because no payment was made during the temporary credit times, no credit refund would be issued. I then asked him, why would anybody make a payment, when I had a " positive balance '' with XXXX Bank while the disputes were temporary? THIS AGAIN, is a violation of the XXXX Credit Billing Act to require payment for items in dispute. That representative opened an entirely new case number of XXXX, to which he said, " we'll see if they approve it. '' This is totally unacceptable, and I let him know such. 

I am filing this complaint now for a few reasons. XXXX, Apple/GS Bank has again violated the Fair Credit Billing Act by refusing to send funds due back to me. 2, Apple/GS Bank has again taken adverser and retaliatory actions against me for whatever reason. XXXX, I would like my funds sent to me expeditiously. And FURTHER, I would like other members of the public to know my experience and what Apple/GS Bank is capable of and/or the type of service can be expected. To that point, without proper resolution, I do plan to further exercise my legal rights including further reporting to the Office of the Comptroller of the Currency, Federal Reserve, and State regulators. I also plan to take my story and experience to social media to really push the issue of how I have been treated.
Consumer complaint received 2024-01-10
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. (VA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-09
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. (CT)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 04/02/2024, and I have not yet received a response.

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. 

XXXX XXXX XXXX Account Number : XXXX - has violated my rights. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (GA)

Hello My name is XXXX XXXX. According to 2 letters I received from Phoenix financial services, Original Creditor XXXX XXXX response, Current Creditor XXXX XXXX XXXX, XXXX. I've managed to contact Phoenix Financial Services, LLC over the phone and asked to disputed this for lack of information so the did, 2 weeks later I received a letter stating its my debt. The letter didn't have my social security number not even the last four digits, so I called them back and asked them to send me anything that I may have signed and they refused telling me they can't do that and that I need to get a police report instead after they will remove the debt from my credit report. I feel like no one is trying to help me resolve this issue that I clearly have no idea about nor have I ever been to the part of the state to accumulate this debt why won't they send me proof with my signature to prove it belongs to me.

Creditor Account XXXX XXXX Phoenix reference numbers XXXX, XXXX XXXX {$2300.00} claimed That I owe. I've disputed with XXXX 3 times I've disputed with the collection agency once after so many attempts trying to contact them and the original Creditor, Phoenix Financial Services, LLC ( XXXX XXXX XXXX XXXX Indiana XXXX ) Phone number XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (VA)

I discovered this company ( Affirm , Inc. ) had been reporting multiple negative installment loan accounts on my credit reports when I obtained my credit reports in late XXXX XXXXXXXX XXXX XXXXXXXX, following my denial of favorable auto loan financing in XXXXXXXX XXXX XXXXXXXX with an auto lender. Subsequent to discovering these fraudulent accounts, I immediately alerted the the company each of the credit bureaus, the FTC and filed identity theft reports with my local police department. I contacted this company by telephone multiple times and spoke at length with several different representatives from their internal Fraud department to file a complaint and learn more information about the details of the nature of the company and how the fraud was able to transpire. Each representative I spoke with asked me a series of security questions such as my phone number, email address, bank account numbers, SSN, DOB, and other personal information and informed me that their conclusion was that the accounts were indeed opened by someone else who had been using my identity, but different contact and banking information. I was provided a report number and informed that an internal review of their findings by a higher department would be concluded within 3-5 business days and that I should expect to see these accounts deleted from my credit reports " very soon. '' That was over 45 days ago and I have yet to receive any communications from this company and these fraudulent items are still reporting on my credit reports. I also received communication from the credit bureaus via updated credit reports around XX/XX/XXXX, stating that this company had initially certified to the credit bureaus that these accounts were being reported accurately despite my initial request to the bureaus that this information be blocked due to being the result of identity theft, which also further violated my rights under federal law.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

I am filing a complaint against Jefferson Capital Systems , LLC for gross violations of my privacy rights and unauthorized debt collection activities. I never provided consent for Jefferson Capital to contact me, share my personal information, or report an alleged debt to the consumer reporting agencies. Their actions have caused significant harm to my credit profile and subjected me to undue stress and harassment.
Consumer complaint received 2024-03-05
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. (OK)

There is a debt on my Experian credit report stating that I owed XXXX XXXX insurance money for insurance coverage. I provided proof to Experian that I had insurance with XXXX XXXX insurance during the time that XXXX XXXX said that I owed for insurance. And since you can't hold 2 insurance policies on the same vehicle at the same time the charge was incorrect and unauthorized. Since then Experian added 3 prior months onto the report. One month says ND or no data and the prior two months shows in collection. But those two months were paid in full and the one with ND or no data was the month that I cancelled and started with XXXX XXXX. They have fraudulently added these after I proved that I had insurance at the time they said that I should have had it with XXXX XXXX. It is a debt bought by a collection agency in XXXX Massachusetts that I also provided them the proof that the charges were fraudulent. And they denied the fact also. This is a scam to get money out of me that I don't owe. Companies like this should be prosecuted for such crimes.
Consumer complaint received 2024-06-03
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. (TX)

I recently reviewed my credit report and found unverifiable, invalid, inaccurate, and questionable items. These items are not being reported 100 % accurately. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), all information on my credit report must be completely accurate. The accounts listed below are in violation of this requirement. 

I request an immediate investigation and correction of these inaccuracies. Attached are copies of all letters I have previously sent regarding this issue.
Consumer complaint received 2024-05-08
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. (MO)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permission purpose. I also attached evidence XXXX XXXX XXXX on XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-02-08
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. (MI)

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX & XX/XX/XXXX ). Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thankyou for your understanding and prompt action.
Consumer complaint received 2024-05-08
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. (LA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-05-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (NY)

PHH Mortgage is a debt collector who must maintain reasonable procedures for determining the statute of limitations applicable to a debt it is collecting and whether such statute of limitations has expired. 

In the State of New York, the promissory note and mortgage are contracts, and there is a six-year statute of limitations law in effect. 

The last payment made on the subject account according to PHH Mortgage internal records was XX/XX/. The New York State Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, PHH Mortgage is required to inform me that the statute of limitations has expired. 

The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq strictly prohibits debt collectors from seeking payment on legally time-barred debts. 

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a time-barred debt. Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt. 

It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; see generally 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ). 

PHH Mortgage has deliberately refused for years to inform me of the disclosure or disclaimer about the statute of limitations being expired as required by the New York Department of Financial Services debt collection rule 23 NYCRR 1, Section 1.3., despite many written requests.
Consumer complaint received 2024-03-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch (TX)

The debt was originally with Climb Loans/UAS/Climbinvestco. I reached out to climb XXXX on XXXX XXXX to advise that I would like to pay the debt. I was advised that the loan was no longer with them and given to collection company Kinum Inc. The loan was sent to the collection company Kinum Incorporated. I paid the debt off on XX/XX/XXXX in full and was advised that Kinum Inc. would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. I received a letter through email from Kinum on the date of payment XXXX XXXX that I paid the debt, that I will attach. As of XX/XX/XXXX the debt remains on credit report with XXXX. I called and spoke with XXXX at Kinum on XX/XX/XXXX and was advised that they had sent communications to XXXX to delete the debit. I advised XXXX that the debt was still present and XXXX advised that I needed to deal with XXXX directly. I called and spoke with a rep at XXXX that same day as to which I was advised they had not received any documentation from Kinum Inc. 

The account number of the debt is XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a follow up complaint regarding the ongoing issue of fraudulent items on my credit report. Despite multiple attempts to resolve this matter, these inaccuracies persist. This letter marks my multiple attempts to address this issue, and I am seeking immediate action to correct these fraudulent entries.Despite providing all necessary documentation and evidence to support my claim, these fraudulent items remain on my credit report, negatively impacting my credit score and financial standing. 
I am asking for your help to immediately remove the fraudulent items from my credit report and provide me with written confirmation of the removal. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-08-30
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2023-07-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am contacting you to request the immediate deletion and removal of the accounts and information listed below from my consumer report. Reporting these accounts and information is a direct violation of the FDCPA and FCRA, and it is imperative that they are removed promptly to comply with the applicable laws. Please take immediate action to delete and remove these accounts and information from my consumer report. Thank you.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX and Experian Rent bureau are incorrectly showing a rental amount as outstanding that for XX/XX/ that was paid on time before the date required on my rental lease. This was resulted in me being out of pocket approximately {$500.00} due to application fees for rentals. I am consistently being denied due to this error while on a timeline to move due to a medical XXXX. XXXX XXXX refused to give me any information on my dispute, despite me having submitted documentation on XXXX providing this was false. I was denied for a property I very much wanted based on this information. I am also trying to refuse it with experian.
Consumer complaint received 2024-01-10
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX