davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (LA)

XXXX XXXX. A rental merchandise.company. Has hired a collection company name Vance and Huffman to collect a debit that is not owed to them XXXX XXXX. Refused to up hold their contract policy. After they were contacted in XX/XX/2018 to come and get merchandise as we had a right to request as stated in XXXX XXXX contract merchandise XXXX XXXX refused to after we repeatedly called them the property owner at XXXX XXXX waited for XXXX XXXX  to come and get the merchandise For 30 days we contacted XXXX on XX/XX/2018 because XXXX XXXX had not showed up to collect the merchandise AND AWARED THEM THAT THE merchandise, WAS RETURNED AND DROPED OFF AT THE STORE XXXX XXXX  WAS CALLED AND EMAILED ABOUT THE merchandise, AND REFUSED TO SEND A FINAL BILL OUT FOR ANY AMOUT STILL OWED AS stated in their own contract that I have attached below under the lease term and payments sentence ( 3 ) YOU CAN RETURN THE PROPERTY TO US WITH NO FURTHER OBLIGATION EXCEPT FOR ANY PAST DUE PAYMENTS DUE XXXX XXXX IS ILLEGALLY TRYING COLLECT AND DESTROY MY CREDIT AND ALSO MY CREDIT WORTHLESS WITH THE ILLEGAL
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc. (SC)

I've recently discovered that when i pulled my credit report on my XXXX report had 2 accounts with kickoff and with 2 different account numbers XXXX and XXXX is the other account number both are showing up on my credit report I've contacted kickoff several times and there has been no resolution this situation this has been a totally hassle and a inconvenience of my time. Since the last time of contacting kickoff, they have they move the open kickoff account to closed statics along with the fraudulent kickoff account I verbally saying it and contacting y'all once again in writing to get some type of resolution this ridiculous BOTH ACCOUNTS ARE FRAUDULENT NOT 1 BUT BOTH.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CO)

XX/XX/XXXX several fraudulent charges appeared on my account. I disputed them, they did not show on my bill and showed as in dispute online. They were removed. They issued a new card #. In XX/XX/XXXX XXXX and Citi security rebilled the XXXX to my new card #. I called and sent in documents disputing the bill. There was nothing online to show that. Then I was getting billed for it. They reported nonpayment to the credit bureau. I disputed that with XXXX but they said the charges are valid. I called Citi and spoke to billing. Not helpful. XXXX person and I finally was transferred to security. A foreign person was on the phone and I could hardly understand her plus the connection was so bad I did not get XXXX of what she said! She was supposed to email a copy of the conversation and I received nothing. Since they reported to the credit bureau my score went from XXXX to XXXX XXXX of XX/XX/XXXX. I had called Citi several times previous to the security call and was told it was still in dispute. I Did NOT make this charge and did not have excellent credit all my life because I don't pay my bills! I am very angry about this and I do not not know what steps to take from here to resolve this.
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

there was an agreement that once the loan was paid off, it would be removed from my credit report, the loan is fully paid off and has been fully paid off for a while, but they still have not removed it from my credit report how they agreed to from the beginning
Consumer complaint received 2022-12-21
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)

This charge-off account being reported by XXXX  XXXX, account number : XXXX was opened in my name in XX/XX/2005 without my permission. I believe my identity was stolen to open this account. This credit card was never opened by me nor I gave anyone my permission to open it. I wrote several letters to Experian asking them to remove this fraudulent account from my credit file, they failed to comply. I filed a police report along with an identity theft report and sent them to Experian. 30 days later I received a letter from Experian stating that this fraudulent account was verified as accurate. This fraudulent account, which is now charged-off has caused me serious financial stress and my credit score has been severely impacted. Im asking that Experian remove this account from my credit file immediately.
Consumer complaint received 2022-12-21
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: Cedars Business Services, LLC (VA)

The Original creditor violated the law 15 U.S. Code 1692c. XXXX XXXX sold my personal information to Cedars Business Services. I submitted a complaint to through the cfpb stating I never received notice in order to dispute. The XXXX party collection company responded the original creditor place a collection with them XX/XX/XXXX, in which they mailed me a notice XX/XX/XXXX. I complained I never received the notice and asked where did they receive the address to mail me notice because I believe it was wrong but havent seen a reply. I contacted the original creditor XXXX XXXX, via email, asking if they sold my private information to cedar business service in which they admitted to placing my account with Cedars on XX/XX/XXXX. The dates between the XXXX companies do not match! 
Attached is the emails between myself and XXXX XXXX from XX/XX/XXXX as well as screenshots of the response from my previous complaint. 
Additionally, XXXX XXXX shared personal information with me on XX/XX/XXXX without verifying my identity, I asked for account information and it was delivered without question.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.
Consumer complaint received 2024-05-07
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. (OH)

XX/XX/XXXX I filed disputes on all my credit reports, for XXXX, equifax, and XXXX For a charge off that should have been removed because XX/XX/XXXX makes 7 years since the XXXX delinquent payment. They are not removing the item they just keep saying they updated info. I have XXXX more items suppose to fall off in XXXX and XXXX this year. Hopefully I don't have to complain again about this. The account was for XXXX.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (TX)

XXXX is allowing Upstart to report false payment history on my credit report. UPSTART IS ENGAGING IN PREDATORY LENDING PRACTICES IN DIRECT VIOLATION WITH FDCPA. I HAVE PAYMENT RECEIPTs FOR XXXX AND XX/XX/2024 PAYMENT. Upstart has received double payments ahead of due date in XXXX for XXXX and in XXXX for XXXX and XXXX.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: NAVY FEDERAL CREDIT UNION (IN)

I found out in XXXX of XXXX that somebody was using my account from XXXX of XXXX to XXXX of XXXX credit limit for XXXX I believe it was someone from my home I was only XXXX when this account was opened
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Foris DAX, Inc. (MA)

I closed my Crypto.com XXXX prepaid card on XX/XX/XXXX with over {$4000.00} on it. I requested a check be sent to me for the balance remaining on the card. I was told that this was not an option and that they would credit my account for the balance within XXXX hours. XXXX days later I read the terms and conditions and saw that they were supposed to issue a check for closed accounts. I contacted them again numerous times and have not received an answer as to when I will receive my funds. It is now XX/XX/20 and the company is still holding my funds and refuses to give an answer about when or how I will receive it.
Consumer complaint received 2022-12-21
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 2023-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (HI)

I was trying to open a Free Checking with PenFed Credit Union and they refuse to open it with no explanation. I tried online and it will not let me and no one will give me a reason as to why I can not open the Checking account.
Consumer complaint received 2022-12-21
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE THE LATE PAYMENTS from my credit report. 

ACCOUNT XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act, They have 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 2022-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-31
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)

This is my NUMEROUS 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 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 ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Consumer complaint received 2022-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

I graduated from XXXX XXXX in XX/XX/2021, and like many of my classmates began working in the Fall, in XX/XX/2021. I work for a XXXX XXXX. I applied for public service loan forgiveness certification. I have XXXX XXXX and XXXX XXXX loans. I was told that my public service for XX/XX/2021 and XX/XX/2021 would not count towards XXXX for 3 of my 6 loans. Mohela told me this was because those loans were in in-school deferment until XX/XX/2021. The loans were also in temporary forbearance under the Department of Education policy due to XXXX, so no one thought it would matter whether the loans were technically in forbearance or deferment. It also seems odd that only some loans were in in-school deferment until XXXX and not others. I think we should get credit for any public service regardless of whether I'm in temporary forbearance or in-school deferment.
Consumer complaint received 2024-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Ive tried multiple times with no prevail, I waited over 30 days 2 times and the last one they still didnt fix my credit report, I have XXXX accounts on my credit report that are 5 years or older and per XXXX law its illegal to collect ANY debt over that time period, so it is to be taking off, I also called XXXX and give them notice of the things I was opting out of and per 15 usc 6508, when the company is giving notice they are to fix it and have it reflected on my credit report, they are also reporting bank transactions which is illegal, and I haven't received my 1099cs for any of these accounts in order to do my taxes properly, they are violating my consumer rights and not doing theyre job
Consumer complaint received 2024-05-22
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informationisinaccurate.
Consumer complaint received 2022-12-21
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.