davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (TX)

XX/XX/XXXX at XXXX XXXX Received email at XXXX confirming account Login for Montgomery Ward XXXX Email was sent by XXXX. Did not set-up an account. 

XX/XX/XXXX at XXXX XXXX Received email at XXXX confirming order # XXXX. Email was sent by XXXX. Did not place an order. 

XX/XX/XXXX at XXXX XXXX Received email at XXXX with a shipping notification for XXXX # XXXX. The email was sent from XXXX for an " XXXX XXXX '' Laptop ''. This shipping notification includes my former address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I did not place this order, nor have I ever done business with Montgomery Ward. XXXX tracking # XXXX. 

XX/XX/XXXX at XXXX Received email at XXXX from XXXX Delivery XXXX ( XXXX ) confirming that my package from " SXXXX XXXX XXXX XXXXXXXX XXXX '' was delivered on XXXX  XX/XX/XXXX at XXXX MST to XXXX XXXX XXXX XXXX Unit # XXXX, XXXX, AZ XXXX XXXX A picture of the delivered package was included in this shipping confirmation. 

PDF copies of the emails referenced above are included as attachments. Should you require any additional documentation, please contact me. 

I am no longer at the XXXX XXXX XXXX XXXX address in XXXX and have lived out of state ( in Texas ) for over a year. I contacted the Leasing Office at XXXX XXXX XXXX XXXX XXXXXXXX this afternoon to see if they can reroute the package to my new address. 

I pulled an XXXX credit report this evening and confirmed that Montgomery Ward located at XXXX XXXX XXXX, XXXX, WI XXXX did a hard credit inquiry on XX/XX/XXXX. I have notified my current creditors and frozen my account on XXXX. I will be initiating a fraud/identity theft complaint with XXXX in the morning tomorrow when their office opens at XXXX XXXX.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$1000.00} ) .. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged XXXX  on a car rental in XXXX. I am an American citizen, visiting as a tourist. I am exempt from XXXX.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (NJ)

After receiving a copy of my credit report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these accounts late will be corrected. 

XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

Please be advised this isn't a bill or contract with specifics of this visit & treatment. I've advised multiple times I'm 100 % service connected XXXX veteran. All my care is with VA & this inhouse printout doesn't validate this as a debt. It also doesn't give you the right to purchase a debt as a XXXX XXXX collection agency & place it on my credit reports. I will be contacting the Federal Trade Commission & pursuing legal advice against Americollect. You've failed to provide a valid statement detailing these charges. You have failed to also provide any signed documents regarding thismatter. I lost my job of XXXX years prior to this transaction. I've been covered through VA since XXXX & private medical insurance when I was employed up to XX/XX/XXXX. 


Please remove this debt from all my credit reports due to failure providing valid medical records of this visit. If I don't receive verification within the next XXXX hours of either medical records of this XXXX  visit or proof it's removed I will take every steps within my legal rights to seek financial damages for the XXXX XXXX XXXX  this has caused. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

On XX/XX/XXXX I called Nelnet to request a refund for all payments made during the COVID Forbearance and was told I would hear from the loan processing team and it would take approximately 4-6 weeks. On XX/XX/XXXX I was emailed from Nelnet saying my refund was denied. On XX/XX/XXXX after not hearing a reply via email I called back and was notified my refund was denied due to not verbally consenting to my loans being reinstated. This was not communicated to me on the initial call and I was told after this verbal consent I would have to wait through the queue all over again another 4-6 weeks minimum! It is now XX/XX/XXXX and I still have no additional information on my refund and I am very disappointed with the lack of communication and misinformation from Nelnet as this is potentially going to cost me money if they can not process my refund in time for me to get my student loan cancelation squared away before payments resume. It is unacceptable that I called on XX/XX/XXXX and was knocked out of the queue due to negligence of Nelnet employees not asking for my verbal consent the first time around.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

I received a letter from Jefferson Capital debt collector XXXX XXXX in regards to a debt from XXXX. It wasnt even addressed to the correct name. It was addressed with my maiden name and I've been married since XXXX. I called and disputed the debt because I don't remember owing the original creditor. I received a letter XXXX XXXX stating they would not be notifing the credit bureaus about the debt. Even if this is a legitimate debt it is way past statue of limitations. Isn't this illegal.
Consumer complaint received 2022-03-08
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2022-03-08
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. (NJ)

My credit report DOES NOT appear in the Equifax system. I have lived in the United States now for more than ten years and have credit reports with XXXX and XXXX ( good credit scores, 750+ ). I have credit cards with XXXX XXXX  XXXX ( since XXXX ), XXXX ( since XXXX ), and several store cards ( XXXX, XXXX XXXX, etc. ). My total credit limits exceed {$50000.00} across these cards. I also have an auto lease with XXXX XXXX XXXX I am now applying for a home loan not having the Equifax report show up is an obstacle. 

I spoke with Equifax agents 4-5 times who asked me to send them my social security card, drivers license, and lease copy for residence proof. I did that three times : twice via USPS in XXXX and once via fax in XX/XX/XXXX. They claim to never receive it, or, it does not show up in their system. 

I have been on 4-to 5 long calls with their agents and nothing resolves.
Consumer complaint received 2022-10-18
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: LEXISNEXIS (GA)

LexisNexis has continued to report an unverified XXXX on their my consumer report listed with there company ; which is false information. 
I have contacted LexisNexis on several occasions about opt out ans suppress any information and to verify how they retread this information. 

I have a certified letter that clearly states they Do Not report any information with third parties such as Lexis Nexis or any of the three credit bureaus such as XXXX, XXXX and XXXX Credit Bureaus.
Consumer complaint received 2020-06-13
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. (TX)

I had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (PA)

Two months ago, some psycho or phony came across from my XXXX profile and asking me about some winning bonus that I was pre qualified for. They were other questions that they were asking me my bank information and they had the nerve to take out so much out of my bank account and gave to somebody else so they scammed me and I had no other choice but to file a police report on them. The next day or two days after money taken from my virtual wallet spending account from PNC. The scam company contacted me and he said he was sorry but hes not he did that on purpose, so the next day I had to go to my bank and have them dispute the money and everything was solved but the scam company were still on my information and they refuse to deactivate my info out of their info. My stupid self agreed to something that I should of never done and I take full responsibility from that. Two months later I got a call from a PNC Agent name XXXX and he said that they arrested the guy who took all my money and hes telling me he wants give it back to me but I told him Ill leave to the dispute and have them investigate it so I didnt give him any other information because I was under police authorities his number is XXXX if you wish to contact him if you can because he has all of my money. Thank you!
Consumer complaint received 2022-10-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NH)

On XX/XX/22 I paid XXXX XXXX  {$470.00} as a settlement for XXXX. This meant the debt was paid in full and could not report as past due or with a balance anymore. I have disputed with XXXX and Equifax to have them remove this account due to violating my right to an accurate credit report. They continue to report it with a past due balance.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My chase personal Checking savings and credit card were all closed suddenly with out any reason. I went to a chase bank and even the officer banker was confused why they closed my account. I have no fraud or any suspicious activity on my account nor any late payments etc. Ive been a good loyal customer for many years and this came as a huge surprise. Its like they picked my name out of a hat. I felt like I was being punked. No one would give me a clear answer as to why they did this. Nor do they really have any reason to have closed my account at all. I cant believe they would just close a person account for no reason what so ever.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

True USD is not supported by Coinbase however its not in Coinbase but its on Coinbase wallet and my Coinbase wallet is linked to Coinbase account, they only say its not supported. they didn't reject transaction, they didn't move to wallet they dont return money to my wallet and wont help me. 
Amount is {$200000.00}
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-10-18
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. (LA)

15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXX'date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.