davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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: Medical Data Systems, Inc. (NC)

XX/XX/2023 XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute fraudulent charges on my credit reports for the reporting providers listed below : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Medical Data Systems : XXXX XXXX XXXX, XXXX XXXX XXXX, Al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 19034 15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent!

I am requesting that the charge be removed from each reporting agency. I have not received any account number or correspondence regarding these accounts. Pursuant to the law, I am providing you with the following documentation, so that you can verify my identity : ( A ) A copy of my drivers Please investigate this matter and correct the fraudulent charges/debit as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I made my 120th payment and submitted my employment verification for PSLF. Mohela designated the form as a duplicate instead of processing and beginning the discharge process. Also, my loans were put into forbearance while the form was processing. I have submitted yet another verification, with electronic signature in this instance, and my loans are not put into forbearance. My current eligible payment count stands at 121 with another payment due XX/XX/24. Repeated emails requesting assistance are unanswered and Mohela can not be reached via phone as I do not have hours to wait on hold.
Consumer complaint received 2024-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I'm on the SAVE plan. My student loans are handled by Mohela, and they are currently using the wrong calculation for payment amount. My monthly payment should be around {$300.00}, but they are placing it at {$450.00}. I've triple checked the calculations, and they are unquestionably demanding too high a payment.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I'm disputing fraudulent accounts on my credit report due to identity theft. The creditors, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX, agreed to remove them because of their fraudulent nature. Please take immediate action to remove these accounts, as failure to do so puts me at risk, and I'll take legal action if necessary.
Consumer complaint received 2023-04-25
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: 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 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. 
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 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 2024-02-04
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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 Section2 : 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
Consumer complaint received 2023-03-25
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. (IL)

On XX/XX/2023 I sent 3 letters to all 3 credit bureaus ( XXXX, Experian and XXXX ) by certified mail, to remove the account that was reporting inaccuratly three different amounts and three different dates amongst all 3 and should be remove from my credit report due to USC 15 sec 1681 i ( 5 ) and those actions have not been done.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I have an account with XXXX. The account was opened using my phone number and email. I never closed the account neither did XXXX. I carried a balance for a long time that I paid off. XXXX, in the same account using the same app and information, at XXXX time, gave me credit again allowing me to finance purchases through them. My available credit was increased during the holiday months. On my credit report, XXXX is reporting two different accounts, one paid and closed and late payments and another showing paid on time. I NEVER had more than one account with XXXX. My credit score is better now than it was in XXXX and XXXX and they allowed me credit up to {$2000.00} during the holidays and now are saying I am ineligible because of my FICO score but my FICO score was not an issue during the holidays when they increased my available credit without me asking for an increase.
Consumer complaint received 2024-06-08
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. (KS)

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA 605B stipulates that we must eliminate any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (SC)

Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, XXXX, and Equifax had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but XXXX and equifax refuse to perform a INVESTIGATION! I am concerned that XXXX, Equifax, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to you regarding my recent credit report. I found some discrepancies with several of accounts that are being reported on the major credit bureaus. According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report and there is a requirement to remove any information that is remotely untrue, inaccurate, and unverifiable
Consumer complaint received 2024-07-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Capital Services, LLC (KY)

Complaint Against Nationwide Capital Services LLC also know as Structured Settlement acct : XXXX, opened : XX/XX/year>, highest balance {$590.00} Regarding Fair Debt Collection Practices Act Violation Dear CFPB, I am writing to file a complaint against [ Nationwide Capital Services ] and [ XXXX XXXX XXXXXXXX ] for violating the Fair Debt Collection Practices Act ( FDCPA ). 
These debt collectors placed a collection items on my credit report without providing me with the required validation information under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they did not give me a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
These actions constitute deceptive means of debt collection as they furnished information to credit reporting agencies without proper disclosure, in violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-5 2 ( 7 ) ( a ).

I request that the CFPB investigate this matter and take appropriate action against the debt collector. Due to investigation I am also requesting debt validation information from the collection agency, including : * An explanation of the alleged account balance * A complete breakdown of the account balance, including a payment history * Documentation of my agreement to pay the debt ( including signature ) * Documentation of my permission to report the debt on my credit report * A copy of the purchase agreement that grants them the right to collect * A copy of their state license number authorizing them to collect in your state * Chain of custody documentation for the debt I have not provided any consent to the collection agency, and using my social security number without my permission may be considered identity theft. I will report them to the appropriate authorities if they fail to provide the requested information. 
Thank you for your time and attention to this matter. 
Sincerely,
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

I was in XXXX XXXX which whom l have a cc with and issuing bank is a Synchrony Bank. I was in XXXX XXXX on XXXX and was offered a credit increase but was denied from XXXX credit bureau. XXXX days later l received a letter via email from Synchrony bank with my XXXX XXXX card stating they had pulled my credit report from XXXX and deceased my credit limit with XXXX cc. I immediately notified Synchrony Bank XXXX XXXX # XXXX ) asking why did they pull my credit report because it was unauthorized. XXXX filed a complaint and explained she didnt know why Synchrony Bank XXXX with the account being so new. In Synchrony Bank XXXX agreement page XXXX it only states they can increase/ decrease cc limit ONLY. They have violated my rights as a consumer via the CFPB rights 15 USC 1681b Permissible purposes of consumer reports. I did not authorize this report. Its damaged my fico score and denial of credit. Synchrony bank took upon themselves because l ask for a credit increase on XXXX and was denied to evaluate my other account with them and this is unlawful
Consumer complaint received 2024-03-12
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)

So I had an account its CareCredit and Im back of 2020 I had paid the balance to XXXX and ask that it be closed it was not so I have been trying to get them to closed as well as take this off my credit they have sent this account to a lawyers office and trying to recoup the money that was used fraudulent through them. Im asking that this charge come off my account because I did not charge or use the after the request to close the account.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (IL)

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 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 The Following Inquires are a violation of my consumer rights : 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 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 The following addresses are also in violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1986 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. 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. 
I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX, XXXX, XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (NJ)

I am the victim of identity theft my identity was used to open fraudulent utility accounts in Texas ( I have never lived there ). One of many companies where this occurred was through XXXX XXXX XXXX. There was a {$980.00} balance on the fraudulent XXXX XXXX XXXX account that was sent to collections at Credit Systems International Inc ( CSII ), which negatively impacted my credit score. The credit bureaus did temporarily remove this information when I provided them with proof of the identity theft, and XXXX XXXX XXXX has already sent me a clearance letter absolving me of any fraudulent debt, but I have not received a clearance letter from CSII indicating that : 1 ) I am not responsible for this debt due to identity fraud ; 2 ) any fraudulent debt will not be transferred to another party for collection ; and 3 ) the credit bureaus have been informed of the same. Initially, I was told to mail proof of identity theft to CSII, so I did on XX/XX/2023. USPS tracking is showing that this information was delivered on XX/XX/2023. I called CSII on XX/XX/2023 to confirm they received it, and they claimed that they never did. I then had to create an investigation with the post office. The post office local to CSII told me that the envelope was sitting in CSIIs box in the mail room and that no one had ever picked it up. I then called CSII AGAIN on XX/XX/2023 who once more insisted that they never received it. I was finally given permission to email the records to CSII. They confirmed email receipt when I called on XX/XX/2023 and told me verbally that they contacted the credit bureaus, but I have still not received anything in writing from them. Without this information, I fear that this fraudulent debt could reappear on my credit report or be sent to another party. I also fear that other consumers are sending information to this company in the mail which is just sitting in their mail room box and not being checked by anyone.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I lost the ability to access my passkey and submitted a ticket and multiple attempts to rectify the issue over the phone. 

The company had assigned a ticket number to the complaint but as of yet has still not aided me in accessing the account to facilitate withdrawals. 

The account is titled under XXXX XXXX and I access the account using my business email address XXXX. 

The open ticket request number as coinbase is Case # XXXX.
Consumer complaint received 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (SC)

On XX/XX/XXXX I received an email from Jefferson Capital Systems LLC informing me of an alledged debt. I sent them back an email on XX/XX/XXXX denying any and all claims and demanded Validation and Proof of Claim. I demand that they Cease all collection efforts and communication except to provide proof of this alledged debt. To include all of the following.

Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 

Letter of sale or assignment from the original creditor to your company. The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Proof that this debt has not been written off as a tax liability. 

Any other intimate knowledge of the creation of the debt by you, the collection agency. ESPECIALLY A COMPLETE AUDIT TRAIL
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had a capitalone credit card for over a decade. CapitalOne has chosen to involve themselves in a racket scheme which includes deceptive practices to make more money in exorbitant and unreasonable fees. The website has limited options for making a payment unless the payment is made on the exact day of their choosing, which varies throughout a given timeframe in both date and amount. If the date, for example, they claim a payment is " due '' falls on XX/XX/XXXX for example, one must log in and view how much the minimum payment is and pay it that exact day. since the payment ranges from {$150.00} to over {$400.00}, it is not possible for someone on a budget to log in and pay within XXXX XXXX hour period an unknown amount with such variation. When I log in even one day early, there is not a payment listed. The minimum payment box is greyed out and can not be selected, and a disclaimer at the top reads " more payment options will be available on your scheduled due date ''. There is listed your last posted payment, which varies from what this minimum could be, and the the full balance payment as options. I have never been successful in changing my due date. Each time I place a call about this, I spend over an hour on hold, end up with someone who will transfer me to someone who also doesn't know and I am desperate as this scheme continues to siphon lots of money using deceptive tactics.