davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (CA)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted a representative and told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I CLOSED THE ACCOUNT. A COMPANY OWED ME A {$500.00} REFUND AND THEY REFUNDED THIS ACCOUNT AFTER I HAD CLOSED THIS ACCOUNT AND PAID OFF THE BALANCE IN FULL. I HAVE CALLED VENMO 4  TIMES ON THIS. THEY CLAIM THEY MAILED THE CHECK. I DO NOT HAVE THE MONEY. I DID NOT RECEIVE ANY CHECK. I CALLED THEM AGAIN TODAY ON XXXX THEY STILL CLAIM THEY MAILED IT ON XX/XX/XXXX. THIS IS FRAUD. THEY OWE ME MONEY AND ARE REFUSING TO PAY. MY PHYSICAL CARD NUMBER ENDS IN XXXX.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kinum, Inc., Indianapolis, IN Branch (NC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS KINUM XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from KINUM WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (WA)

I initially hired XXXX XXXX to get rid of some weeds and mushrooms growing in my yard and trim the grass. The first vendor came out on XX/XX/2023 and didn't remove any weeds and left the mushrooms. However did leave grass clippings everywhere it was a complete mess. I didn't approve the work so I wasn't charged. Unfortunately, XXXX sent out another vendor and I was at the home and could see the vendor really wasn't working and seemed irritated. Needless to say the weeds weren't removed and multiplied due to this and the mushrooms were never removed. I didn't approve this job as it was incomplete to say the least. XXXX ignored my rejected job messages and began to charge my credit card numerous times. I was threatened over the phone that it was okay that I didn't accept the job and they would send the account to collections anyway. At this time XXXX continued to try and charge my credit card for the incomplete job. XXXX sent this account to Kinum a debt collection agency. Kinum sent me a letter then called one of my family members to locate me. I never listed this family member on any contact information to XXXX. I contacted Kinum and asked why did the call my family and I was informed we had to get a hold of you, I disputed the debt XXXX  sent them to collect.
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NJ)

I am writing to formally dispute inaccurate information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). IQ DATA INT Account Number : XXXX Total fraudulent amount : {$4900.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

My credit report is showing XXXX XXXX XXXX ( XXXX XXXX apartments ) is reporting fraudulent information on my credit report. This account is preventing me from fair housing. Why should I be homeless because of this harmful information. The address that they have on file is not my address.
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

I am writing to report an issue I encountered with JEFFERSON CAPITAL SYSTEMS. I recently called to request an itemized statement of the full history of my account. A copy of any agreements or contracts pertaining to the debt. However, my request was denied, and I was informed that this information would not be provided. 

I am concerned about this refusal, as I believe I am entitled to access the full details of my account history. I would appreciate your assistance in resolving this matter and ensuring that my request is honored.
Consumer complaint received 2024-05-08
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MD)

I have tried multiple times to contact the company that holds my student loans to let them know I do not have a job to pay back my loans. They have denied forbearance. The company keeps reporting my delinquent payments, causing a negative hit to my credit. How can a loan be payed back without money. I need a student loan charge-off.
Consumer complaint received 2023-12-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Credit and Collections Inc. (NC)

This is XXXX XXXX I am requesting verification- ( sworn under oath ) by United Credit & Collections Inc for this alleged debt.I am also invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & requesting United Credit & Collections Inc to cease & desist all communication unless for verification purposes. I am also demanding United Credit & Collections Inc to stop all communication with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have been working with XXXX, EQUIFAX AND XXXX to " block '' fraudulent accounts opened under my name during identity theft. I continue to have the same issues even though I have supplied all of the information required by federal law, and that I was instructed to do so via the FTC and CFPB. 

XXXX : The emailed on XX/XX/year> stating the proof of address was not accepted. I enclosed a bank statement, which is an acceptable form. I will also upload it to this complaint as proof. XXXX is instructed to add this to the packet they received on XX/XX/year> @ XXXX XXXX via tracking number XXXX EQUIFAX : Has ignored all attempts to correct this information. I have not heard back anything, other than the response to the last complaint on CFPB. Equifax is also instructed to upload the bank statement attached as proof of address to the packet they received on XX/XX/year> @ XXXX XXXX via tracking number XXXX XXXX XXXX Has completely ignored all request, both via certified mail, CFPB and telephone calls. They repeatedly send me emails saying they are denying my request for blocking. I'm also instructing XXXX to upload the proof of address attached to this complaint. They also received the identity theft packet via certified mail on XX/XX/year> @ XXXX XXXX via tracking number XXXX All parties receiving this complaint are instructed to process this blocking request in a timely manner, and to the full extent of the law. Failure to do so will result in legal action being filed in court. I've tried over and over again to get this issue taken care of, all of which has been ignored. These credit reporting agencies are very quick to allow someone to steal your credit, but then refuse to fix it. Being that I was part of the DATA BREACH from XXXX, you would think they would take this seriously.
Consumer complaint received 2024-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KY)

I was just notified by Aidvantage on XX/XX/XXXX that the entire amount of my student loans had been forgiven and I would be eligible for a refund for any payments made toward that loan. I have called numerous times today to be told that my refund is denied but they have no reason or explanation as to why it is denied. I made a {$560.00} payment in XX/XX/XXXX towards that loan. Per Federal Student Aid, my entire loan amount of {$14000.00} was forgiven, therefore that {$560.00} payment should be returned to me. Aidvantage should not be keeping my money. One representative said that it was because I didn't request the refund before XX/XX/XXXX, but then told me that I would not have been eligible anyways because they were not aware of my loan forgiveness then. They shouldn't have a time limit on when you can request your own money back, especially if they never even notified you during that time to begin with. Makes no sense.
Consumer complaint received 2024-07-22
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. (AZ)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-04-18
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. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section XXXX, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section XXXX states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, XXXX XXXX XXXX consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX  XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (IL)

XX/XX/2024 I requested a pay to delete I was told that they do not do pay to delete due to the credit fair act they are required to report correct and accurate information I advised them that the information on my account status was not accurate This account is closed It is a debt and on the account it has open and I request it for them to delete it for the inaccuracy
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!
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 — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting my personal information wrong. My date of birth is wrong. My name is also wrong. Ive sent all supporting documentation on numerous occasions and nothing has been updated. I reached out to your XXXX team Ive had two escalation claim numbers Ive talked to multiple supervisors, and the information is still being reporting wrong. I have fax confirmation that all documents have been received.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I have requested on mutiple occasion that these accounts be removed from my credit report and i have also mailed in an ftc report to validate this identity theft and they still refuse to remove the inaccuracies from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or service as a result of the identity theft. 

( XXXX ) XXXX  XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account Number : XXXX Date : XXXX The following inquiries were not done on my behalf : ( XXXX ) XXXX XXXX  Date : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX  Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (AL)

On XX/XX/year>, I had to rent a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Al XXXX. My insurance covered 8 days and after that I paid for additional days as needed until we got a new car. I had to pay out of pocket for the additional days. I made payments via phone or in person with the branch manager XXXX. I called XXXX and wanted to confirm my payments. The payments I made with my PNC bank card was XX/XX/year> XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX for XXXX. After making those payments with debt card and turning in the rental car, XXXX charged my bank account for XXXX additionally. 
Which cause me to go in overdraft. I disputed the charge several times was given provisional credit which was overturned, and I lost the appeals. Which caused me financial hardship and I lost my bank account. Also, XXXX refused to give me my deposit back. I lost money from the bank and XXXX. I can provide additional information
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Have disputed an account that was fraudulent. Have requested debt validation and never received. Have filed an identity theft report over fraudulent account and company still reports verified. Please remove and stop reporting on fraudulent account immediately. This XXXX XXXX XXXX information in credit file is inaccurate and has yet to be deleted.
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. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX  XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXX, Identity theft happened. Remove account. 
XXXX | XX/XX/2023 : Account number : N/A, Identity theft happened. Remove account.