davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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. (AZ)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For EXPERIAN 1. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX  Account Number : XXXX Please investigate and delete from my credit report For XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2024-05-16
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: ZuntaFi Corp (TX)

From XX/XX/XXXX to XX/XX/XXXX I attended classes in aviation at XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX  ). When I started I was informed that my private loan had a cap of {$100000.00}. I knew that with this and my federal loan/pell grant i would be able to borrow enough to pay for the full course and housing. Starting XXXX of 2012, I was informed that my private student loan had capped out before I was to start with the last module of training in my flight school and at the same time, I was informed that the university had lost accreditation and I would not be able to finish with them for my XXXX XXXX. When I asked how i had capped out the loan, I was informed that they were combining my private and federal loans together to get to the {$100000.00}, even though I was told in the beginning that it was only the private loan that had that cap. When that happened I had to immediately go back to work since the loan went into immediate repayment. I feel I have been scammed out of my money since there is no way that I can move into the career I was training for and there is no way to continue my degree without starting over completely. I have recently learned that several other people had the same experience around the same time I did. Meaning the lenders knew we would not be able to complete training with the borrowing standards that they had set up.
Consumer complaint received 2020-05-15
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. (CA)

I recently applied for a XXXX XXXX credit card and when they ran my credit they said I was not approved and I would receive a letter in the mail with the details of why I got denied. Today XX/XX/2020 I received the letter and it said that the reason I was not approved was that I had one or more accounts in negative standing. I know I don't have any negative accounts on my credit so I got a copy of my credit report and there are three accounts with negative payment history that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have never had an account with any of these companies nor am I affiliated to them in any way. I have no idea who opened these accounts in my name without my permission but I did not benefit anything such as money, goods or services and I never made any payment towards any of these accounts. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2023-03-24
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX  XXXX Balance : {$28000.00}
Consumer complaint received 2023-03-24
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB (FL)

I have already filed a claim with this Klarna regarding accounts and tried to get this resolved however I am just not getting anywhere just more debt and accounts being turned over to collections. I have explained that my debit card information that was used was closed due to fraudulent behavior. My account was used without my consent or knowledge.
Consumer complaint received 2021-04-06
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: SYNCHRONY FINANCIAL (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not my account. I never had and account with XXXX, This is false information and I would like it removed from my account. I have been trying to get this account removed for 6 minths now
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MI)

Collection agency is attempting to collect a debt from me that I am not aware of and they have not provided me with relative information concerning why they thin I owe this debt. 
Therefore, I am disputing the referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. by providing me with the following : 1. The full amount and complete accounting of this debt 2. Proof you are licensed to collect debts in Michigan or under what authority you claim to collect this debt in the State of Michigan, 3. Proof of the last payment on this account 4. Why Calvary Portfolio believes I owe this alleged debt Because I am disputing this debt, until a proper investigation is completed and this debt is validated the information concerning this debt is assumed to be inaccurate.Calvary should not report it to the credit reporting agencies. If they have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act 1681s-2. Should Calvary pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on yo
ur failure to comply with the FDCPA.

Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.
Consumer complaint received 2021-04-06
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)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX  COMPANY XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OH)

Literally fell asleep last night with cash app open on my phone woke up this morning to a message that says routing and account number has been disabled therefore eliminating my direct deposit however I did not have direct deposit set up I never started to set up or even asked for it but when I woke up this morning and seen that my account was closed for no reason other than violating terms of service but no one knows what the definition of that means because it's just no one knows I also called customer service and that did not give me anywhere they told me that they could not provide the information for security reasons but I don't understand what security complications I'm imposing by asking why my account was closed. I then stated that I was aware that my calls being recorded for quality assurance and that I was reporting cash app to the cfpb as well that way it was then recording then the lady said we can't help you no more and hung up.
Consumer complaint received 2018-07-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (TX)

XX/XX/2018 I received noticed that I had a collection account from Ad Astra Recovery in the amount of {$1100.00} in regards to a XXXX XXXX. I have notified AD Astra that I am a victim of identity theft and the account that they hold under my name and social is indeed a result of identity theft. I did not authorize this account nor did I open this account. I have also never received written notification in regards to this account to dispute it.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (KY)

On XX/XX/XXXX, I made a payment to Synchrony Bank for my XXXX XXXX Account. On my statement it indicates that I have a promotional purchase ending in less than 60 days. The promotional purchase was 0 % interest purchase, I tried to pay off the balance of the purchase to be told I can only pay out of my checking account and no other payment methods were accepted unless it was through XXXX XXXX. After making my payment of {$120.00} ( minimum payment due was {$100.00}, I was told that I can not apply my full payment to the promotional purchase set to expire in less than 60 days. Instead, {$76.00} dollars would be applied to my other promotional purchase that expires in XXXX and the remaining {$45.00} would be applied to my expiring promotion. I spoke that the representative to see why it was set up this way and I could not get an answer. So, I questioned the practice of Synchrony Bank splitting my payment and asked why a larger amount of money would go to the promotion that expires in 3 years and not to the promotion that expires in XXXX. 

As I was reading my bill, I noticed that I have been charged interest on a 0 % interest purchase and that I have been assessed a late fee on the purchase that was 60 months same as cash. I was unable to resolve this issue with Synchrony Bank and informed the manager that I would be filing this complaint due to questionable and unclear payment practices.
Consumer complaint received 2023-01-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2018-07-18
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. (IN)

I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
Consumer complaint received 2018-10-01
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. (MO)

I have been disputing incorrect information on my credit reports for over a year, I have sent faxes, fraud reports and filed multiple complaints. XXXX had my personal information incorrect on my reports also my address nut refuse to remove, I have requested the information they have to verify the correct addresses collected also bankruptcy information they refuse. information is supposed to be verified with a signature or i am supposed to be provided the information from any 3rd part they are using to verify court information in which I have never received. I am requested all inquires unauthorized removed also all address but my correct address XXXX XXXX XXXX. I am showing multiple companies pulling my credit report from all 2 bureaus with no authorization.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (VA)

The Equifax breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. Bank XXXX XXXX XXXX XXXX violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I received a call from XXXX XXXX stating I owe money for a medical debt. I advised them that I have no knowledge of that debt and to please provide information in writing. They never contacted me again or sent the information in writing. Now I see a collection on my report, and I don't know what it is about?
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Approx. XX/XX/XXXX I recieved a letter from ERC stating I owed over {$300.00} for a direct tv box that was not returned. This box was returned directly to an XXXX  tech in XX/XX/XXXX. In XX/XX/XXXX, I confirmed with XXXX   that this debt was not valid. I was told by an XXXX rep that the information would be in ERC 's system shortly and it was taken care of. Today, XX/XX/XXXX, I received a letter stating I owed them {$190.00} for the same issue. Again, I called XXXX and confirmed AGAIN that this debit was settled and the box was returned. I then called ERC. They claimed this was the first contact from them and att sent them the debt on XX/XX/XXXX. They claim they do now own this debt but are preparing to report the credit bureau in XX/XX/XXXX. I feel that I am being harassed by a less than honest debt collector. I have returned all equipment owned by XXXX and this has been confirmed TWICE by XXXX.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under Southwest Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My wife and I have had a business checking and credit card account since XXXX. After my wife passed on XX/XX/XXXX, I immediately paid off the card, including charges pending. When I told the joker in Texas of my wifes passing, he set me up with a reference number for submittal of death certificate, mentioning ONLY fraud protection. Instead, B of A cancelled my credit card. They could not have handled this any worse. Ill have nothing more to do with the Bank of America vultures. 
As an aside, XXXX Bank has confirmed that the card we have there is still working, and they issued another card since they were so aghast at B of As actions