davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

KLS FINANCIAL SERVICES Account Number XXXX Dear KLS FINANCIAL SERVICES, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$630.00} to XXXXXXXX XXXX. However, I am disputing this debt for the following reason ( XXXX ) : KLS FINANCIAL SERVICES is violating your consumer rights by using false misleading, misrepresentation and deceptive means. KLS FINANCIAL SERVICES has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MA)

Dear Sirs/Madame : My student loan payment should resume XX/XX/XXXX because I made advanced payments. I have logged into my EdFinancial account several times in XXXX and XX/XX/XXXX, to make the XX/XX/XXXX payment when I was notified. I paid XXXX. However, I have tried calling several times to inquire why I am being billed in XXXX, when I made advanced payments, which should have resumed my repayment schedule on XX/XX/XXXX. I have left messages for a call back and have not received a call back. I have sent internal messages through this website with no response. I entered a final message today XX/XX/XXXX on XXXX XXXX XXXXThankYou I would like to speak with an account manager regarding my student loan. 
Thank you,
Consumer complaint received 2024-05-20
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 follow up on the ongoing issue concerning the removal of charge-off accounts with incorrect balances and inaccurate items from my credit report. This marks my multiple attempt to address this matter, and I am deeply frustrated by the lack of resolution and the continued presence of these inaccuracies. Since I have provided all necessary documentation and adhered to the required procedures to dispute these erroneous entries. Despite assurances from Credit Bureaus that the issue would be resolved, the charge-off accounts with incorrect balances on my credit report, along with other negative items that should have been removed. 

The persistent presence of these inaccuracies is severely impacting my creditworthiness and causing significant stress and inconvenience. It is imperative that this issue be escalated within your help to ensure a thorough and expedited resolution. I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. Please help me remove these negative items immediately : 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 2024-05-20
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 address the ongoing issue concerning the removal of fraudulent items from my account. This communication marks my several attempt to resolve this matter, which continues to cause significant inconvenience and financial detriment. I have complied with all necessary procedures, submitting comprehensive documentation to substantiate my claims. Despite these efforts, the fraudulent charges remain unresolved on my account, adversely affecting my financial stability and confidence in your institution 's ability to protect my interests. The persistence of these fraudulent items not only misrepresents my financial history but also poses an ongoing security risk. XXXX and decisive action is required to rectify this situation. Failure to address this issue promptly will necessitate further escalation, including seeking intervention from regulatory bodies to ensure compliance and protection of consumer rights. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor XXXX TEXAS XXXX XXXX ) XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2023-04-27
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( XXXX ).
Consumer complaint received 2024-05-21
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. (NC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-21
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-21
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of a fraud and scam. On XX/XX/2024 I received a job offer for a XXXX XXXX XXXX ( XXXX  ) position with a company called XXXX XXXX. A few days prior to this, I had a job interview via XXXX XXXX with a hiring manager named XXXX XXXX. I received a job offer email from a human resources man named XXXX XXXX from the email XXXX. I signed the job offer letter, provided my driver 's license, passport, and social security number. On XX/XX/XXXX, the hiring manager XXXX XXXX told me on XXXX XXXX chat to purchase work equipment ( laptop, XXXX XXXX phone, and printer ) for the job. He said he will provide a mobile check for me to deposit into my bank account to pay for the work equipment. He sent me a mobile check for {$4400.00} which I deposited into my checking account at Bank of America on XX/XX/XXXX. The next day, Bank of America close my checking and savings account. I contacted the bank the same day and I was told that the check was a bad check and my account is closed because of this. I did not know the check wasn't good. I explained to the bank that my employer gave me this check for work equipment and the bank told me that I'm a victim of a scam. After this, I found out the job offer I got was not real and I was scammed. They were pretending to be a company called a " XXXX XXXX ''. I went to the police station and filed a police report. I also notified the real company " XXXX XXXX '' about this scam and fraud. Bank of America closed my account because of this and are reporting me to XXXX XXXX. I believe this is very unfair because I'm a victim of this fraud and scam. I shouldn't be reported to XXXX XXXX and I should be able to open a bank account. I've attached documentation to this issue. I would like add this statement for complaint ID XXXX. Please help me in this matter.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The following personal information is incorrect Account Number : EMPLOYER : NOT PROVIDED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

[ Friday, XX/XX/2024 ] I have been informed by my mortgage broker that my credit report is mixed up with someone else, and the reference numbers are XXXX XXXX and XXXX XXXX. I have no liabilities, but the mixed-up credit report shows many. 

[ Saturday, XX/XX/2024 ] I had a call with Equifax support and submitted the dispute form online as instructed, including the necessary documents. Afterward, I received a confirmation email with ticket number # XXXX. 

[ Thursday, XX/XX/2024 ] I received an email from Equifax stating that I need to submit a new dispute form with the necessary documents : '2 valid government-issued IDs, 1 proof of address, and optionally, SIN. ' Although I had already provided the documents, I re-submitted a new dispute form with the documents and received a new ticket number # XXXX. 

[ Thursday, XX/XX/2024 ] To check if I could view my credit score and report via the Equifax homepage, I created my Equifax account and logged in. I was able to view my credit report, which contained accurate information ( with no mix-up ). However, the problem is that the credit report does not include my credit score. Additionally, I keep encountering the error message 'We are temporarily unable to complete this request ' whenever I attempt to view my credit score.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made sure payments are on time for this account, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

* Under Debt Collection AgencyCOLUMBIA DEBT RECOVERY LLC DBA GENESIS, Delinquent Unpaid to Date * Credit Score Negatively Impacted due to Debt Collections Status XX/XX/2024, Notified Collection Agency via The Current Apartment Lease/ Manager ( apparent Debt to be paid origination ). 
Balance is up to date no Delinquencies. 
As seen in attached documents Account is currently in good standing, compliant and non delinquent. 
( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ) NEEDS TO REMOVE FALSE INFORMATION IMPACTING Me and my wife credit score and rating.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Faloni Law Group (NJ)

My father prior to his XXXX in XXXX had opened numerous credit account without my knowledge, and was paying on theses accounts monthly. When he passes away we started getting phone calls from the various card companys demanding payment. It was then we realized what had happend and do not have the ability to pay off his dept.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

Our family XXXX has XXXX accounts with Key Bank in XXXX, XXXX A XXXX  account and XXXX XXXX  account. My mother has resigned from the XXXX due to XXXX issues and we have provided Key Bank with all the necessary legal documents for the co-trustees to assume the financial responsibilities of the XXXX. Key Bank is refusing access to the accounts. 

They have been provided with all properly executed forms. We have tried numerous times to resolve this issue and Key Bank has basically ignored us and has held our funds hostage. 

See the attached letter for further details.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (TX)

I havent ordered anything from XXXX with my credit card, my temporary roommate ordered some stuff from XXXX and due to delivery issues they have used my name coz Im on the lease, but they got damaged goods so they returned XXXX items and XXXX items where shredded according to XXXX XXXXnstructions. They got their refund. 

After a year cedar business has put a collection on my credit history coz my name has been used for the delivery. I tried speaking to cedar business but they wouldnt listen to me and wouldnt take off the collections from my credit history.
Consumer complaint received 2024-05-19
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. (MA)

I recently looked up a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to get credit. It is my understanding that you will research these items for me to ensure their accuracy. Here is the item I ask you to verify as accurate. and accounts that I do not recognize that I have never had, here I am sending you a copy of the FTC report that I made. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: KEYCORP (OH)

On XX/XX/XXXX I went to the XXXX XXXX of KeyBank to open a checking account and apply for a credit card. Relationship Mgr/Personal Banker XXXX XXXX XXXX XXXX pointed me in the direction of the KeyBank secured credit card and told me specifically that after 1 year of on time payments it would upgrade to an unsecured card and my deposit would be returned. This information directly influenced my decision to apply for the card. XX/XX/XXXX this card has still not graduated despite on time payments. Keybank still has my deposit and customer service was unhelpful.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.v