davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Your sales person XXXX XXXX are still listing advertising your client XXXX XXXX purchased my property XX/XX/XXXX a different date of client and is the exact support he has been you to fake a purchase. You list as XXXX XXXX XXXX XXXX but your client has committed forgery by going on to cash two checks in my name from XXXX and put them into an account known as XXXX XXXX XXXX at XXXX  XXXX XXXX Im sure you are aware. In addition my broker XXXX XXXX  XXXX XXXX XXXX Mi XXXX loan XXXX they were fully aware that the loan was mine that on XX/XX/XXXX under XXXX XXXX XXXX made a inquiry and XXXX  responded- WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX CALLS US AT XXXX XXXX, To provide verbal authorization. Also, I conducted an affidavit of forgery XX/XX/XXXX and made a police report XX/XX/XXXX and are handled by detective. XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX for 27 minutes spoke to XXXX  XXXX XXXX mortgage department XXXX XXXX and he said a guy name XXXX XXXX XXXX XXXX XXXX are lying saying XXXX XXXX has clear title and is no clear title in the file using your loan attach to another loan XXXX for XXXX to XXXX XXXXXXXX XXXX PLEASE EXPLAIN YOUR INVOLVEMENT Using two fake SSN numbers XXXX and XXXX.
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (CO)

I have never signed a HIPPA release form with the following alleged creditors : The law office of Mitchell D. Bluhm & associates , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas. Therefore they are in accurate and HIPPA violations. I want these immediately deleted. HIPPA laws protect my personal medical information from being used without my consent and you are now aware of these HIPPA violations. Delete immediately. Thank you.
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (GA)

On XX/XX/year>, I initiated a purchase with XXXX using the XXXX platform called Klarna. The purchase did not go through because I never received a confirmation code from XXXX. Klarna never forwarded purchase request to XXXX and will not show the information where XXXX was paid using their one time use card. Over a month passed since I filed my original request for cancellation of transaction. I contacted XXXX but without a confirmation number they are not able to investigate or track order. I provided them the number of the one time use card from the app. But still not helpful. I do not believe Klarna conducted any investigation within the past month because as of today XX/XX/year> Klarna request the same information I provided earlier. Klarna requested the following information below : - Screenshot of the order confirmation from XXXX which includes all the items in the order and individual pricing. XXXX XXXX : I never received this from XXXX. XXXX never generated this because there was no request from Klarna. 
- Screenshots of communication via chat or email with XXXX trying to resolve the issue. If you have not yet reached out to XXXX, please do so first XXXX : I reached out via telephone. XX/XX/year> & XX/XX/year>. XXXX unable to provide transcript. 
-Tracking number and shipping company for your order, if this has been provided by the store. XXXX  : I never received a tracking number or any information on shipping. 
- The expected delivery date as provided by the store. XXXX : XXXX has no record of the order being generated. 
- Which article is missing from the orderXXXX XXXX : XXXX DRAWER SET- which I never received information I already provided. 

Klarna stated their investigation is complete and neither myself or XXXX showed information to cancel transaction. So did they reach out to XXXX? I have nothing to reference. See below copy of message i received. ~~~~ Dear XXXX, We are contacting you regarding your statement XXXX from your order with XXXX. 

Based on the information and evidence provided by both you and XXXX, we are unable to rule in your favor because you did not provided all the requested information. 

We encourage you to contact XXXX directly to discuss any issues you have with the product or service. They may be able to provide further assistance or offer a resolution that meets your needs. 

Based on this information we have now reactivated the statement for payment. An up-to-date copy of your statement, including payment information will be emailed to you shortly. If your statement is already paid, no further action is required. Please log in to your Klarna app or Klarna.com for an overview of any outstanding statements and current payment statuses. 

We wish you a pleasant day. 
XXXX Customer Service Representative Dispute Resolutions Klarna INC
Consumer complaint received 2023-05-24
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. (OH)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GEM Financial (AL)

XXXX XXXX is sending constant emails every day to my personal email. No disclosure of a debt owed only asking for a card number for a payment and to call them. They use my first name only and seems fishy no other distinguishing information to make me believe these are legit emails. All the info is sent in subject line and a disclaimer at the bottom with a phone number ( XXXX ) XXXX stating to call them before XXXX. The frequency of these emails is getting out of hand the address sending it is XXXX and reply address is XXXX. Neither of those emails seem legit this started the XXXX of XXXX and they have emailed me everyday during my working hours since the XXXX of XXXX. Each email almost seems like a phishing attempt for PII using a time critical technique telling you to call before XXXX with no timeline stated.
Consumer complaint received 2022-10-05
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date opened XX/XX/2019 Balance : {$0.00} XXXX XXXXXXXX Date opened XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc. (FL)

Sent and called about account to verify be of Two accounts being reported from this company under ( Montgomery Wards & Swiss Colony ) That was settled XX/XX/2024 by still reporting under the account number w/ Derogatory remarks with late payments
Consumer complaint received 2024-04-05
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. (TX)

XX/XX/2024, I submitted a dispute claim to remove the XXXX XXXX  off my credit report because it is part of identity theft, and have not gotten a response which is a violation.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 no consent is fraud.
Consumer complaint received 2023-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

This account is over 7 years old, this account is also a fraudulent account, I sent letter several times no response I contacted the credit still nothing has been done. 
JPMCB CARD ACCOUNT XXXX XXXX
Consumer complaint received 2017-05-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: M.A.R.S., Inc. (OK)

My lease was up I moved out and the my ex that was on the lease. Her and I split up and the landlord would n't let me remove my name from the lease. And after I left my ex took over I went by to get mail and got arrested for coming to my ex 's place of residence. Then a few weeks later I get told when visiting my cousin that the land  Lord sue d me for damage to the property when I was n't there nor allowed by the law to be there and was never told of a court date. Or anything. They refused to let me take my name off the place I was n't allowed to be at. I should n't be responsible
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Hello team, Can I raise a request with you to send me in PDF format bank statements for the year 2022 from XXXX till when you closed my account. 
I need them for bookkeeping purposes. 
Account Name : XXXX Type : XXXX  Checking ACH/Bank Routing Number : XXXX Account number : XXXX
Consumer complaint received 2023-06-09
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. (CA)

This is my Folow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance XXXX {$6400.00} XXXX XXXX  XXXX Balance XXXX {$5500.00}
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I looked on my credit report and noticed that there are two alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2023-02-15
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
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: ONLINE Information Services, Inc. (FL)

15 USC 1681 Section 602 States I the right privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under aopen-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (KY)

Opened an account with Chase Bank in XX/XX/XXXX. Used their mobile app to deposit 3 checks on XX/XX/XXXX that were written to me, in the amounts of {$500.00}, {$600.00}, and {$320.00}. After waiting 3 days for the checks to be processed, Chase closed my account with the {$1400.00}, and refuses to send a check for the money due to " suspected fraud '' from their systems. When trying to resolve and clear the " suspected fraud '', there is no actual way to resolve the issue.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under XXXX and I need this info for and all. 
This is allegedly a My Place Rewards ( Childrens Place ) account
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I received a call stating I  may  be served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made two pymts of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with speedy cash. He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.
Consumer complaint received 2023-08-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been in constant communication with Experian, XXXX and XXXX for many years attempting to resolve the incorrect information on my credit report that includes incorrect personal information, incorrect payment history ( late payments ) and collection accounts that I have no knowledge of and have never done business with the companies listed. I have submitted countless number of disputes ranging from XXXX - XXXX via USPS certified mail showing the delivery of all packages. With each category ( i.e. incorrect personal information, incorrect payment history, etc ) a seperate mailng was sent. Please see the below tracking numbers with noted delivery dates. 

Experian Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX Experian, XXXX and XXXX has yet to provide an update to incorrect information or proof that the collection/charge offs belong to me.
Consumer complaint received 2017-09-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NC)

I left the corporate world to join the world of education because I believe that public school instruction is one of the most noble things you can do. After a large pay cut as a result of this decision, I decided to go back to school and obtain a XXXX XXXX in XXXX XXXX. In order to do so, I had to take out several student loans. Afterwards, I accepted the opportunity to put my loans off until I was in a position to pay them. The process resulted in several lates as a result of the deferments. I was later offered an opportunity to take part in a rehabilitation program to get my loans on track. I was told by the Department of Education and by Navient/XXXX XXXX that one of the benefits of joining the rehab program is that my late payments would be removed from my credit report since I would be consolidating my loan ; otherwise, I would have a TON of late payments and several listings on my credit report. I quickly agreed. I have completed the rehab program and now they are refusing to remove the lates and old postings from my credit report! This is impacting my score greatly. I have reached out to the CEO of XXXX XXXX/Navient and to the Dept of Education and no one will listen! I have over {$180000.00} consolidated in student loans under one listing, which is right, but then, there are a TON of old accounts - all with SEVERAL LATES. How am I suppose to move on with any form of quality life if my credit is destroyed as a result of this? I feel that I was completely misled. I am the primary caregiver for my XXXX XXXX XXXX mother who now needs special accommodation in her home since her XXXX. How am I supposed to reestablish credit and support her needs and mine if my credit is destroyed. I have lost all faith in the student loan process. When my students ask me about going to college and getting a student loan, I absolutely cringe at the thought.