davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

I have tried calling, emailing, and using the chat box EdFinancial have on their website to try and correct my status for my student loans from payment due to an in school status. 
I am currently in XXXXXXXX XXXX and will graduate in XXXX but they have me set up to pay my loans starting in XXXX of XXXX. I already contacted my schools financial aid office and they said that they automatically send out my XXXX  status to Clearing House to confirm my enrollment and to any loan providers that are interconnected. 
I don't know what to do anymore, no one is picking up and when they do they hang up on me and then I have to wait another 3 hours to get a call back and that's if they don't close before then. I'm stressing out and I can't afford to pay anything until after graduation. 
Is there anyway EdFinancial can be contacted to fix the status on my student loan account from " payment due '' to an " in school status or deferment status ''?
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

XXXX XXXX, Navient and XXXX XXXX XXXX failed many times to offer affordable payment plans even when directly asked to be moved to an affordable plan. Failing to move me to an affordable payment plan resulted in me defaulting on my student loans and being charged additional fees and accrued interest rates. My pay checks and bank accounts were garnished leading to extensive stress and financial hardship as my family depended on my income as I am the sole wage earner/provider. I was advised on several occasions via phone calls with the lenders that I did not qualify for consolidation of my student loans. I found out all of this information was incorrect. I even read the the wording to them over the phone from the legislation and their staff including supervisors, on different occasions, informed me that the legislation requiring affordable plans was a. untrue and b. did not know anything about the program, c. that I did not qualify for said program. Now I am learning I am not the only person with this experience. I wish to have my experience noted on record as well as the growth in my debt owed to the loan originators investigated as to confirm if my debt is infact valid.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

The card is Best Buy. In XX/XX/XXXX I made a purchase. The purchase agreement was for extended payments until XX/XX/XXXX. I paid each month {$100.00} when my fee was only $ XXXX- {$27.00} I was charged Late FEES! of $ XXXX.For a total of {$60.00}! I paid the balance off without late fees in XX/XX/XXXX. I then made a regular purchase on XX/XX/XXXX for {$470.00}. When I received my statement, Best Buy says I owe XXXX! I tried calling them to clear this up. I spoke to XXXX people from a foreign country who could barely speak English! .When I asked for the United States XXXX they gave me to another foreigner who spoke better English and said they were from Idaho ! I do not know what is going on at this Best Buy credit card company, but it is not right. I will not pay charges I did not incur or owe. I paid my bill in full. Why am I still accrual charges? This is fraud by Best Buy credit card. Then they called me back after I told them I was at work! Why would they do that? I am not in arrears. The number that phoned back was : XXXX. According to XXXX, that area code is in Tennessee. Why are they telling me they are in Idaho? 
I ask you to look into this matter and find out why I am being charged an extra {$59.00}?
Consumer complaint received 2018-08-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: R.M. Galicia, Inc. (CA)

I was in a automobile accident in XX/XX/2013, in a company car and it wasn't my fault the insurance of the other motorist was to pay this bill after it was determine that it wasn't my fault but the hospital after over 5 years still trying to collect this debt from me, this is not mine debt to pay and the statue of limitations in California is 4 years, this needs to be remove of my credit report immediately, also it shows on my wife credit report and she wasn't even in the car at the time of the accident. Company name is : XXXX XXXX
Consumer complaint received 2017-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc. (TX)

I have never done business with HP Sears. I have never entered into a legal binding contract with HP Sears and you can not report to the credit bureaus if there is no contract with the company. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX  XXXX. 
If no validation is provided, proving I have never signed into any legal binding contract with HP Sears, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. Again, I would like to see a legal binding contract between HP Sears and myself confirming I owe referenced, reported debt. If HP Sears can not provide a contract, I want these items removed from my credit reports with all 3 major bureaus.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

I have send experian 3 written request regarding XXXX account XXXX and this unverified account still remains on my report. I informed them in writing several times that this account is not mine and that it maybe belong to my aunt in whom share the exact same name as i and in which that I lived with years ago before she passed. I called experian after constant failure to provide physical proof of verification all they send is a paper that say verified but nothing that say how they verified so I demanded that information or the name and id number of the rep that claim to have verified this information so that I am able to present it before the judge in case I have to proceed to litigation regarding this matter. I have carefully been saving my tracking numbers and certified signed documents by experian to show that they received each letter that I send them and they have not removed this unverified account from off my report. I called experian and spoke with am employee id number XXXX in which he called XXXX card on three way and we spoke with a XXXX id XXXX in which she stated that she ca n't provide experian any information without the account holders statement saying it was ok to do so. So after that I stated to experian that if that 's the case they are providing false info and no way possible could they have verified this unknown account to be mine i asked that they remove it and the guy hung up on me.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Rectifying Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing urgently to address critical discrepancies present in my credit report that are in direct violation of the Fair Credit Reporting Act ( FCRA ). Upon review, it has become evident that persistent errors persist within my credit profile, indicating a concerning oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act serves as a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates precise acquisition, retention, and transparent dissemination of consumer credit data. 

Instances of FCRA violations demanding immediate attention include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to similarities in names or social security numbers. 
Neglect of prescribed protocols for handling disputes within agencies. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
The removal of outdated negative information, typically after seven or ten years in cases of bankruptcy. 
I formally request the immediate removal of the listed items below, as they unquestionably breach FCRA standards due to inaccuracies, lack of verifiability, and continual invalidation. Their presence has led to significant distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

2. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
I anticipate swift action to rectify these violations within the time frame mandated by the FCRA. Failing to comply will, unfortunately, necessitate the pursuit of legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (TX)

Ive sent 3! cease and desist letters certified mail return reciept and made 4 phone calls to cease and desist I sent them a XXXX dollar invoice for 3 violations of law on 3 credit reports which they did not have my express written permissible consent nor provided the contract I requested between us. They are in default and will not respond to me mayb they can answer you and provide the contract of consent which I rescinded from XXXX and opted out of sharing info to 3 rd parties they removed it and placed it bak on my consumer report which now they owe me XXXX dollars and ignored my contract their silence was in agreeance to pay the XXXX dollara
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with Experian and XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in XXXX XXXX. XXXX and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, Experian has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX and XXXX have already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I requested a re-investigation of my credit profile, on around XX/XX/2022, and some items were removed, and some items remain. I requested the the credit reporting agencies remove certain items as they don't have permission to report. Pursuant FCRA.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I wrote a check ( check number XXXX ) for XXXX payable to XXXX XXXX XXXX for which my Chase account had sufficient funds. Six days later, I received a notification via my online banking account that the check had been returned, without any reason given. 

In speaking with Chase customer service and fraud departments, I was given the impression that my check was help for fraud reasons and that I needed to contact them to verify. However, I received no notification of this need ( no email, text, or mobile banking alert ). 

The check ultimately went through, though as is customary I was charged {$25.00} for it initially being returned. Despite my account having the funds necessary and no effort being made to contact me to verify the legitimacy of the check, Chase is refusing to reimburse the return fee charged by the other business. 

I have spent roughly 6 hours speaking with Chase trying to resolve the issue and determine how I was supposed to know of the need to verify the check, but have been given no answers. I'm simply told " there was an alert on your account on XX/XX/XXXX, '' even though the only communication was on XX/XX/XXXX via the message saying it was returned. 

This process - denying a check for which there were sufficient funds, not attempting to contact me prior, and then not reimbursing me for the return charge associated with the check- seems highly unethical.
Consumer complaint received 2023-04-11
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)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-08-31
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (NY)

I received ( 2 ) letters dated XX/XX/2023 from PNC with an address of XXXX XXXX XXXX XXXX, PA XXXX. 

The letter heading stated " A check was Mailed to You in Error. '' Copies of the letter are available. I will try and attach them. 

Both letters have the same verbiage but reference ( 2 ) different card numbers. 

The first paragraph states : " HERE 'S WHAT HAPPENED. '' Checks with serial number XXXX ( letter # 1 and letter # 2 serial # XXXX ) were mailed between XXXX and XX/XX/2023. 

The letters explain that the {$20.00} balance on each card was for a XXXX expired XXXX incentive card. 

Per the letter, funds are not eligible past the expiration date. A Processing Error sent out refund checks in error. 

The letter goes on to state that XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) " requires PNC to request that the funds be returned. '' I called PNC asking for copies of the cashed checks showing my signature. 
I just needed confirmation that I in fact did receive and cash them. I am XXXX and do not always remember correctly. 

PNC told me to contact my health provider. At the time it was XXXX XXXX XXXX XXXX XXXX XXXX NY. I called them and was told that if I had cashed the checks that I did not need to reimburse PNC.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. 

On my credit report there is a Charge off from : 1. XXXX XXXX  XXXXXX/XX/XXXX for the amount of {$230.00} & {$150.00} from XX/XX/XXXX. 
2. XXXX XXXX XX/XX/XXXX for the amount of {$380.00}. 
3. XXXX XXXX for {$2200.00} the date is unknown but it was reported XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX for the amount of {$1200.00} 5. XXXX XX/XX/XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Klarna AB (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX  ) ( KLARNA ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC (GA)

I recently received a credit card in the mail for which I did n't request. I know that this is a scam in that my name was printed twice on the card. XXXX with my middle initial. I contacted the company XXXX XXXX and they would not provide any information about the company, how they acquired my information, etc. I told them I wanted the specifics on this card and the representative would not provide any details. I informed them I would contact the FTC and they said " go for it '' as if they were above any laws. Their website is very vague and does n't provide any company information, just a page to enter credit card information.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovate Managed Holdings, LLC (IL)

Recently, I did an investigation of my credit report and found several items to be inaccurate. 

Under 15 U.S. Cod 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of information concerning the individual about whom the report relates. 

It is my understanding that you will reinvestigate to ensure accuracy. 

XXXX : Account : XXXX XXXX XXXX XXXX : Innovate Loan Servicing XXXX : Personal Information : XXXX XX/XX/XXXXXXXX Employment : XXXX XXXX Bank Addresses Reported : Hard InquiriesXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX : XXXX XXXX