davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (VA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX, NYXXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, NYXXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$820.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance Owed : {$280.00} ; XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$780.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are 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 accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX Balance XXXX {$880.00}, XXXX XXXX XXXXXXXX Balance : {$480.00}
Consumer complaint received 2023-10-29
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. (LA)

Inaccurate information on credit report 1. ) Car loan 2. ) Unauthorized, Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings (CA)

Since around 2023 affiants personally identifiable information continues to be trafficked by third parties without consent, or copyright license through an organized criminal scheme to deprive liberty under color of law. XXXX  has been denied housing due to the dissemination of false and derogatory information by credit reporting agencies and tenant screening companies, who knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright protected indigenous property for illicit financial gain and profits. 
These entities have willfully infringed upon XXXX 's exclusive rights as a copyright holder protected under the XXXX XXXX 's copyright registration XXXX, with the XXXX accession XXXX, by trafficking materially false information and engaging in unlawful screening practices against protected persons and property of the indigenous people
Consumer complaint received 2023-06-07
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 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 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 2024-02-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scheer, Green & Burke L.P.A. (MI)

Goodafternoon company SCHEER , GREEN & BURKE L.P.A is trying to collect a debt that is not mine. Never seen this company nor used this company for anything. I need help because I had identity theft and this company have not provided a debt validation letter. I need them not to use my data neither the wrong information because my name is not what they saying. So please I need them to stop harassing me
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (OH)

On XX/XX/2024 we have tried to open an credit card account from XXXX card and they informed us that Equafax has reported falsely information and we would likely to receive the report ASAP. Falsely reporting information constitutes defamation!
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

First, I staked ethereem with coinbase I Eth XXXX with the promise of a certain APR, which was XXXX radically reduced to less a les than inflationary rate which I couldn't withdraw from foe months. Second, my staked eth ended up in a second " product '' called an Eth vault which I can not withdraw from. I have followed the procedure at least four or five times and including the confirmation procedure within 24 hours and it is canceled everytime. No withdrawal from the vault. Then it gave me a notice about a 30 day cycle which didn't make any sense because it didn't originally advise me of that and it seems to day that there is only a two day per month window to withdraw Eth from the vault. This is a scam and I wonder how much of our vaulted Eth is really there and how much is loaned iut without FDIC protection. This is worse than XXXX 's behavior and seems to be more like XXXX and XXXX XXXX 's behavior. It is intentional because Coinbase has a solid tranfer code for regular transfers. I have lost many opportunities to rej vest my money. It is only {$27.00} as of today that is at issue but it is the general principle ( hereinafter referred to as " XXXX '' ) of the matter, and it is happening ro a lot of accounts according to XXXX Please help. My coinbase account is under my email account : XXXX. thank you. This is a formal complaint and I am waiving any a.d.r. available.
Consumer complaint received 2024-05-09
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: Regional Management Corporation (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Dear REGIONAL FINANCE, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity theft fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that REGIONAL FINANCE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for REGIONAL FINANCE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that REGIONAL FINANCE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that REGIONAL FINANCE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I received a letter from the Department of Education on XXXX stating that the DOE is discharging my federal student loans from XXXX XXXX XXXX XXXXXXXX XXXX due to findings of school misconduct. I called Navient on XXXX and explained the findings and I told the rep my student loans should be discharged and refunded. I was then told by XXXX, the representative at Navient, that she would put a core code on my account and an application would be sent out. XXXX explained that this application would determine school misconduct and if I were eligible. While I didn't agree with the fact that I had to fill out an application to determine eligibility because based on the findings I am eligible, I agreed to receiving the application. XXXX confirmed my mailing address, then I had asked about the refund process and she said there may be information about a refund in the packet but she wasn't sure. 

On XXXX I called Navient to check the ETA of the application since I had not received anything in my mail yet. I was told by the representative, XXXX, that the code wasn't placed on my account and that the XXXX department would determine if I was eligible or not and if I were, then Navient would send the application out, which seems like another eligibility process. So essentially Navient is telling me that I need to be approved twice to get my loans discharged and refunded? I told XXXX that the woman I spoke with on XXXX, XXXX, told me she put the code on my account, so for the last week I was under the impression that it was already being sent out. I told him that I was eligible based on the findings and that these loans are predatory loans and said that Navient just needs to discharge my loans and give me a full refund. He then said that he would place the code on my account today and I said I'd check back in a few days on the XXXX. I don't trust that XXXX put the code on my account based on all my other experiences with Navient. 

These Navient private loans are predatory. The company ( back then known as Sallie Mae ) clearly had a relationship with the XXXX XXXX and contributed to/conducted unethical tactics, preying on vulnerable low income individuals such as myself.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sunbit, Inc. (CA)

In XX/XX/year> my identity was stolen by a check that was mailed to a friend for a birthday present. They took the check which had my name and personal home address on it and attempted to withdraw money from my account. A few months later I was made aware by receiving a letter in the mail from XXXX BANK that a loan was taken out in my name for {$5000.00} and that payments were not being made. I called numerous times to be juggled between people that seemed unaware on how to solve this problem. Already a victim this level of incompetence left me even more frustrated. They sent me paperwork to complete, which I returned immediately and more than 3 months later, I still haven't heard anything in resolution. I disputed with all XXXX credit bureaus and all them responded to my dispute saying that the loan was validated to me. How can that be since it wasn't me who did it. I have re-disputed again with all of the same information including the police report and the FTC report. 

I also received a letter from a company called SUNBIT stating there was a balance owed of {$480.00} for some window tinting the was done. This is also tied to this issue. I have been working with SUNBIT to remove this balance owed but no resolution to date.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My account was closed by chase bank at XX/XX/XXXX. The ending balance is XXXX dollars The investigation process is supposed to be 1-2 weeks as the bankers told me.I went to the branches and had several calls. What they told me was different every time. they told me they would send my check a week later or said it would take longer to investigate. Now it took more than 4 months, I havent received my money yet. I couldnt pay the rent because they havent send my money check back.
Consumer complaint received 2023-01-21
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. (FL)

My XXXX XXXX credit card inaccurately continues to report my account as OPEN despite the fact that my account was CLOSED by Consumer almost 60 days ago in willful violation of the FCRA which requires PROMPT reporting to every CRA when an account is closed. Closure should have simultaneously updated the Closed status using XXXX XXXX so XXXX XXXX is NOT XXXX XXXX Compliant as the account was required to be reported as Closed almost 2 months ago. I ask for {$1000.00} in statutory damages for Wilful Violations of the FCRA for continuing to report my Closed account as Open.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Crimcheck Holdings, LLC (NV)

I should not have any information from XXXX XXXX, CA or XXXX XXXX XXXX, CA or anywhere in Washington. I have never had addresses in those counties in CA nor any in Washington. I have had identity theft issues for years and these are locations Ive reported are identity theft.
Consumer complaint received 2024-04-19
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: EQUIFAX, INC. (NV)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-09
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (FL)

In XX/XX/year>, we went into a forbearance on our mortgage we were approved to the end of XX/XX/year> and in XXXX we processed a loan modification with Freedom mortgage. Our first payment was in XXXX. They have reported no data from XXXX through XXXX and then all the sudden in XXXX they show us 90 days past due but then again in XXXX and then XXXX payment on time so we were in a forbearance and we were covered up until XXXX  the end of XXXX, how can we show 90 days past due in XXXX, it doesn't make sense and it didn't make sense to them either but nobody 's doing anything about it and it's negatively impacting our credit we applied for a new home loan and we got turned down
Consumer complaint received 2022-12-20
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 submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-20
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: SYNCHRONY FINANCIAL (FL)

I applied for a credit card through Synchrony bank. I was told my membership fee to Sams Club would be reduced from {$50.00} to {$20.00} for the year. I never was approved for the card. And XXXX dropped my credit score XXXX points. This seems ridiculous that they could get away with this! Your own company reported not long ago that credit bureaus like XXXX are scamming people.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (PA)

code 15 USC 1692c states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XX/XX/2023, an account was opened unaware to my knowledge & ive been trying to close it since. they have been sending me multiple emails calls etc after telling them i never had that card. they charged it to my credit anyway.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I filed a dispute with USAA on XXXX. USAA issued a credit for {$1400.00}, they made no contact with the merchant who agrees they didn't deliver the product/ service and could not refund my money. USAA reversed the credit and pulled {$1400.00} from my checking account without notice leaving me in a financial strain. I called ISAA and spent weeks trying to correct the issue. Their customer service people told me it was too late to do anything and the " customer isn't always right '' I am out {$1400.00} after providing all supporting documents and USAA refuses to do anything. As a XXXX veteran, I can not afford this. I served my country honorable and was injured on her defense. I need help in resolving this issue.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Two unauthorized charges have appeared on my credit report : XXXX XXXX XXXX XXXX card for {$770.00} and an account with LVNV Funding LLC for {$410.00}. These charges are affecting my credit score negatively, but I never applied for or received any notification about these accounts. As a result, I'm unsure how to address or pay off these debts.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Every month I have disputed to Experian, that XXXX XXXX  has been notified of Police Report from XXXX NY, XXXX XXXX THAT unauthorized use was determined!!! 
I'm the victim here!!!! 
XXXX and XXXX has deleted XXXX XXXX  from their credit reporting agency and experian has done nothing!!!