davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB (FL)

Klarna was listed as a financing option for a product sold by XXXX. Its the only financing option. The requested amount was to cover the purchase of an XXXX I completed the online application and was approved for the full amount. I accepted the terms for 3 year fixed rate loan. After reviewing the TIL disclosure I clicked submit and then was told I was declined after being approved and the reason was listed we are unable to verify your identity. I was then reached out to the finance company and informed them of the issue and was willing to provide any type of documents to verify my identity and was told No, there is no escalation or reconsidering. I let them k ow that I thought it was illegal to decline an applicant for that reason without first allowing the applicant to prove his or her identity and the. Was told Id get a letter or email stating the same. I have never received such correspondence. I noticed on social media others are being declined for the same reason after being approved and the result is the same. No reconsideration!
Consumer complaint received 2023-04-01
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. (AR)

I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, that are fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Consumer complaint received 2021-12-03
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: Profit Services Group (GA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 
PROFIT SERVICES GROU Reported : XXXX XXXX, 2021 {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

XXXX XXXX and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

Please review complaint number XXXX that was submitted to the CFPB. I have additional evidence and was not able to attach to the original complaint. Therefore, I have opened this complaint. 

Navient has refused to remove late payments from XX/XX/XXXX thru XX/XX/XXXX. However, I have requested deferment multiple times with this organization. Navient was first informed in XX/XX/XXXX of my economic hardship. I sent a letter during that time and sent another letter in XX/XX/XXXX. Also, a phone call was made to Navient on XX/XX/XXXX. According to Navient 's response in complaint number XXXX, Navient claims they were not contacted until XX/XX/XXXX. This is false and Navient is lying to a federal agency, which is a violation of federal law. Please see attached email, phone record, and letter from XX/XX/XXXX. The email correspondence shows that Navient was informed of economic hardship. Navient responded to my email requesting that I call for assistance. I called Navient ( as shown in the attached phone record from my XXXX wireless service ) at XXXX XXXX on XX/XX/XXXX at XXXX. The representative requested that I send a letter. See attached letter that was sent along with a printout of my economic hardship. Navient did not place my accounts in deferment and is reporting late payments, although they were informed of my deferment request.
Consumer complaint received 2023-04-01
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. (SC)

This is my 10th 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 alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

We received unsolicited debits cards and checks from TD Bank.As stated, we did not request the cards or checks. 
On XXXX XXXX we contacted TDBank and spoke to the fraud department.They told us that the account associated with the cards and checks had been closed and that a " restriction '' was placed on anything with my name. 
We are extremely disappointed in the fact that TD Bank allowed the cards and checks to be sent to hundreds of people in an unsolicited fashion. 
The fact that our personal information was used caused us much trouble and XXXX and hope that TD Bank suffers from their greed.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FULTON FINANCIAL CORPORATION (NJ)

I am writing to express my dissatisfaction and concern regarding the handling of my mortgage forbearance options by your institution. I have been in communication with XXXX XXXX from Fulton regarding my post-forbearance options, and I was initially offered a cap and extend option, which would extend my mortgage by an additional 5 years and incorporate the missed payments from the forbearance period into my mortgage. 

However, I was recently informed by XXXX that this offer was made in error and that I am now required to pay my full payment due. Subsequently, when I spoke with XXXX XXXX on XX/XX/XXXX, she reiterated that the offer was indeed a mistake and the only resolution to prevent negative reporting on my credit report is to pay the balance in full by XX/XX/XXXX. 

I find this situation deeply concerning and unfair. It is unacceptable for your institution to offer a specific option via email and then retract it, especially when it directly impacts my financial well-being and credit status. Therefore, I demand an extension and request additional time to resolve this matter before any negative reporting is made on my credit. 

As a valued customer, I trust that your institution will rectify this situation promptly and provide me with fair and viable options moving forward. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over SEVENTEEN years. I have NO previous addresses. Credit bureaus EXPERIAN, XXXX AND XXXX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.
Consumer complaint received 2021-05-07
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (LA)

I have attempted and spoke with several people on XXXX campus in XXXX, TX. Once I decided I was not gon na attend school at their campus, I called the school within the qualifying days to cancel my classes. I spoke with a Dean and also someone in the Financial Aid Department who told me that they would make sure that I didnt accrue any charges to my account and if i did, they would take care of the charges. The school has since changed Deans so many times ... I have tried to resolve this debt with the school several times and they have recently sold the Debt to a collection agency and dropped my credit score.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C. (CA)

My name is XXXX ; XXXX XXXX The Agent for principal XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Multiple attorneys from GURTEL LAW FIRM P.C. who names I have listed in various CFPB complaints in the past such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX continue to violate the Fair Debt Collection Practices Act. These violations have been brought to all the attorney 's attention but the threats, harassment, false and misleading actions have been ongoing. These attorneys have decided to continue to willfully violate the Fair Debt Collection Practices Act. I have attached exhibits for proof of these violations.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC. (FL)

I advise the Company that I did not apply nor Sign with my handwriting Signature Consenting For Sesvices with them.I also advise I do not know how they got access to my informationbecause my XXXX account should be frozen. 

I am attaching screen shots of my XXXX  and XXXX report. Per XXXX you will see if is showing 2 hard inquiries. Per XXXX  you will see 1.
Consumer complaint received 2020-11-04
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. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-03-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NJ)

" I'm unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. '' This was put on all the of my credit reports XXXX XXXX XXXX XXXX XXXX causing my credit score to be dropped XXXX XXXX. I have excellent payment status with all my credit cards. 


AMSHER COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-25
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$0.00}, {$0.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (CA)

Hi, This is my Third Time trying to get THE CFPB, to look at " THE FACT '', that EQUIFAX!! 

EQUIFAX REFUSES TO ACKNOWLEDGE THAT IT HAS TAKEN THEM WELL OVER THIRTY ( 30 ) DAYS. To respond to my Initial Disputes I've sent in, CERTIFIED, and TRACKED as well. Equifax is " CLEARLY VIOLATING MY CONSUMER RIGHT LAWS. '' I've sent in a Dispute on XX/XX/2021. They Keep giving me the Run Around. I NEED THIS SITUATION HANDLED IMMEDIATELY.
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I deposited a check on Monday, XX/XX/XXXX.  It is a tellers check from XXXX XXXX XXXX for $XXXX.  Bank of America has put a hold on the check stating that it will not be available until Wednesday, XX/XX/XXXX.  That is a 9 day hold or a 7 business day hold.  That is a ridiculous amount of time, given that this is a teller's check from a local bank here in Virginia.  My husband left Bank of America for the exact same reason.  Maybe I will have to do the same.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

We are trying to refinance our mortgage and the mortgage company needs I to unfreeze my credit ( I was an identity theft victim ) at Experian. The PIN Experian provided, when I froze my credit, did not work online ; and the number Experian provided XXXX XXXX XXXX XXXX ) does not offer a way to unfreeze or speak with someone. The mortgage company has been insistent on this and I are frustrated with not being able to speak with someone at Experian to assist.
Consumer complaint received 2019-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Check Resolution Inc. (AZ)

I was contacted by National Check Resolution on XX/XX/19 screaming at me and threatening to sue me or damage my credit if I did not pay immediately! I was terrified so I agreed to settle the debt for {$1000.00} dollars beginning on XX/XX/19 paying {$75.00} every 2 weeks. They took payments on the following dates all in the amount of {$75.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last payment should have been on XX/XX/19 in the amount of {$55.00}. No payment should have been taken after XX/XX/19 as the debt was satisfied.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (FL)

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

DISCOVER BANK I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.