davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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: I.C. System, Inc. (KY)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I reserve the right to file a lawsuit against your company for violating my consumer rights under the FDCPA Section 807-8 and FCRA Section 623-b. If required, I will sue your company for damages.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB (TN)

Klarna is a credit card company assisting retailers. They provide credit cards to customers so customers can purchase from retailer. 

XX/XX/XXXX - Retailer issued credit to my fully paid Klarna card on prior purchase. 
XXXX - Nothing happened. 
XXXX - I contacted Klarna to ask for refund. Only communication option was a " chat ''. Chat rep advised the refund was " applied today ''. Impossible for a refund to take a month to apply, so I'm immediately questioning truthfulness. The rep told me I would be refunded in " 1-7 business days '' XX/XX/XXXX - No refund. I go to chat again. The rep tells me the need to " connect you with our finance department '' Then the chat goes dead and no more response. Then I can't connect to chat anymore, like I'm cut off. I advised I'm filing with CFPB. Waiting to hear back and this is me filing complaint.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

I never had any account or agreement from CONSERVE also was never notified of any debt collection. CONSERVE also has no documentation or loan paperwork as evidence of debt per my repeated request to have sent to me on the debt which is a violation of federal laws stating Providing validation to consumers to prove the right to collect debts
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (AZ)

In XXXX the account in question with XXXX XXXX XXXX was verified after a dispute. I contacted the XXXX, XXXX and XXXX bureaus to remove the dispute remark since the account was verified. I.C. Systems continues to report to the XXXX credit bureaus the account is in dispute. I spoke with XXXX managers on XX/XX/XXXX and they informed me they can not remove the dispute remark because I had disputed the account in the past. I told the manager that their reporting was inaccurate because I was no longer disputing the account and the account had been verified. XXXX XXXX the manager ) specifically asked me if I was no longer disputing the account which I responded " that is correct ''. She continued to refuse to update to the credit reporting bureaus that the account is not in dispute. I specifically requested an XXXX update to delete the dispute coding and verbiage from the account. The manager insisted they can not do that even though I had verbally verified the account. She stated the only way the dispute remark will be removed was to settle the account ( pay the debt ), and only then my account will be updated. My response to her was they are free to continue to attempt to collect the debt ; however, they are illegally reporting incorrect information on my credit reports that is affecting my ability to get a home loan due to the dispute remark. Additionally, telling me the only way to remove the dispute remark was by paying the account was XXXX.
Consumer complaint received 2021-04-15
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. (MI)

late payments for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX need to be deleted. payments are not late. see attached communication from XXXX XXXX to remove late payments.
Consumer complaint received 2021-04-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following accounts are reporting inaccurate XXXX  days late. I was never XXXX  days late on the following accounts : XXXX XXXX XXXX XXXX days in XX/XX/XXXX XXXXXXXX XXXX XXXX  days in XXXX, XXXX, XXXX and XX/XX/XXXX 2020
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paradigm Assets, LLC (NJ)

XXXX XXXX Debt, XXXX XXXX XXXX, XXXX, MO XXXX was included & XXXX in my Bankruptcy discharge XX/XX/2019. 

JHPDE FINANCE I , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX added an collection account to my XXXX  credit file for the amount of {$2300.00} stating the collection was opened in XXXX XXXX. The original debtor was XXXX XXXX  according to the collection information on my credit report, this date. 

This collection agency is trying to collect a debt that was listed in my discharge petition from the court. I am requesting that they immediately remove the negative & false information immediately. They have fake contact phone numbers such as the one on my credit report which is listed as : ( XXXX XXXX XXXX which is a sales pitch for life alert. 

Hopefully, they are not doing this to a lot of other people that are just trying to come back from major illness & just trying to get back on their feet.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NM)

I had a loan with CitiFinancial. The last activity on the account on my part was   XXXX   2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to   XXXX   2009.
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The partial account number is  XXXX . The address identification number is  XXXX
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (MD)

This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2015-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (MO)

I attended XXXX XXXX XXXX, XXXX. I completed the work however due to lack of help from teachers I do not feel like I have enough knowledge to use my degree for a better job. Of the jobs that I have found, I am not considered due to the fact the XXXX XXXX has a bad reputation and my degree is basically worthless. As far the lending services which was Genesis Lending Services, they made me pay while attending school. The private loan was not needed for me to attend school, as i found out later that the school had taken out more in federal loans than what was needed. The private loan company also knew that the school was doing this and went along beside them. This loan was not needed and I feel that I should not have to pay them anymore and should receive my money back. Seeing as I have 36,000 + in federal for a two year degree because of the school already. Since, all of this has become knowledge I have contacted Genesis Lending Services and they will not give me any information that I will be forgiven or the option to stop paying. Now, I only had XXXX forbearance left that I still have to pay {$60.00} for 6 months and then {$120.00} and then {$210.00} which is getting rough considering I still do not have a job in the XXXX and still working as a XXXX making small money.
Consumer complaint received 2021-04-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent an investigation request CERTIFIED to Experian XX/XX/2021 to investigate the negative accounts on my credit report and they have yet to respond. I attached the notice that show they got my letter. So the proof is there. They received my letter and did not complete the investigation in the time given by the law. This is a violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IL)

JEFFERSON CAPITAL : Balance {$650.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX  : Balance {$1000.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, AL XXXX The balances were much lower before they went into collections, when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment.
Consumer complaint received 2021-04-15
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: Experian Information Solutions Inc. (GA)

I have disputed unverified accounts with Experian. Experian is not investigating my disputes accurately! They have not provided me with any verification that proves this account belongs to me but refuses to remove the account. They continuously add unverified information to my account.
Consumer complaint received 2021-04-15
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. (CA)

I have been trying to get Experian and XXXX  to remove XXXX # XXXX a collections that is over 7 years. I have sent them both dispute letters months ago and nothing so far. I don't understand why this is still on my report when it over 7 years old. I hope you can help me with this matter and get this off my report.
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

just check my credit report and have derogatories accounts that does not belong to me at all from XXXX XXXX XXXX, Amounts are : {$470.00} and {$330.00} as far I can see, have been reported SEVERAL TIMES since XX/XX/2020. Need that removed from my credit ASAP its been really hurting my score!
Consumer complaint received 2021-04-15
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. (NJ)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX XXXX 2. Validate Account XXXX Department Stores 3. Validate Account XXXX Department XXXX XXXX Account XXXX XXXX credit Validate Account 5. XXXX XXXX 6. Validate Account XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC (GA)

I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX in regards to a past due debt owed to DNF Associates on XX/XX/XXXX. 

To my knowledge, I have no contractual obligations or have never had a business relationship with DNF Associates. My wife, XXXX XXXX, called XXXX on XX/XX/XXXX immediately upon receipt of this letter, she was advised that I was being sued for this debt and had the opportunity to resolve it, per Mr. XXXX. Not understanding who XXXX and DNF is and why they would be suing me, she asked them to provide validation of this debt. 
Shortly thereafter, I received the documentation showing I owe a balance to DNF who purchased a charged off debt from XXXX  XXXX  on XX/XX/XXXX. While I am familiar an outstanding debt to XXXX XXXX, the documentation attached is an incomplete/invalid validation of debt. For the following reason, this account remains in dispute. 

When XXXX XXXX charged off this debt, they sent me a 1099 - debt cancellation form and reported to the 3 credit bureaus that this was charged off. Therefore, XXXX XXXX is no longer pursuing this item for collection. 

DNF Associates did not send any documentation indicating they acquired this debt. Furthermore, the first notification in regards to this debt being owed to DNF was from their servicer, XXXX who is now threatening litigation on the past due balance. 

The last payment made on this account was on XX/XX/XXXX. The exhibit indicates the debt was sold on XX/XX/XXXX, which is prior to charge off. My account with XXXX was still active at the time the exhibit indicates the debt was sold to DNF Associates.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

After the major Equifax breach was finally recently reported to the public, I accessed their website, to see if my CC info was stolen. 
The site advertised " We have provided a tool on this site for you to determine if your information was potentially impacted by this incident. '' However, there was no such tool, only other advertisements to sign up for protection services, to get a credit report, etc. Undoubtedly fees would be involved. 
There is apparently no way to directly check to see if my CC # s were stolen. 
This is pure BS, of course. There is nothing an individual can do about this. Meanwhile company management dumped their Equifax stock immediately after they realized what they had let happen, having failed to install safeguards after previous incidents. 
Only the CFPB can do anything about this. 
Thanks for letting me rant. 
Please help us!
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (MN)

There was a XXXX bill from 2014 that was last active in XXXX 2014 and then XXXX closed it and it went to collections with Jefferson Capital Systems. Despite the fact that the Federal Statute of Limitations is 2 years on cell phone bills and the Minnesota statute of limitations is 6 years this is still on my report going into 7 years now. I have disputed it with XXXX, XXXX and XXXX and they keep turning it down for taking it off my report which I think is a violation of the fair credit reporting act.
Consumer complaint received 2023-07-03
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. (TX)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC. (TX)

Navient XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX Account No. XXXX Amount : XXXX All Student Loans that is in my credit report I have deal with them and anything has happen. They come as accurate I never went to school someone use my identification and went to school never paid it back. Its in my credit report and I want it off.
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (GA)

On   XXXX   XXXX  , 2017, I called Consumer Services Early Warning Services about receiving my report and placing a security freeze on my report. They told me they do n't do security freeze even though they are a reporting service. This is a violation of my rights under the FCRA.