davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am now in pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Equifax credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a car loan lease XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX on XXXXXXXX XXXX XXXXXXXXA credit card From XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX was open XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX was open XXXXXXXX XXXX XXXX.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report do not recognize the aforementioned accounts.i have attached a copy of the FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts , collections of identity theft and fraud.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have disputed a address with all 3 credit bureaus several times I explained that I am a victim of identity theft and their system had a data breach and somehow someone as access my personal information and used my information for loans. Credit cards, banks, phone companies ETC. please remove all addresses off my account. I am requesting all documents from each company including signatures that claim any account belongs to me or I will file a lawsuit against all companies and agencies for fraud, identity theft and violation of federal laws.
Consumer complaint received 2020-07-16
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. (NY)

Best Buy/ Citi Bank Lost all of my account information. I tried to pay my bill in XXXX of XXXX and was unable to login into my account. I called the number on my card and gave my information and was told there was no account under that card number. Same with Social security number, address ect. I was told to send a copy of an existing statement to a specific email provided. I had no way of giving the proper info as there was no account to look at. Best buy and Citi Bank never followed up with me. I never received an updated account. Somehow this was still reported to all 3 credit Bureaus. I tried to use the account number provided on my report to regain my account. This account number still DID NOT EXIST. XX/XX/XXXX and there is still no update or record of me ever having a Best Buy/ Citi Bank account.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

IC systems which is a debt Collector for XXXX XXXX XXXX XXXX is saying that I opened an account in XXXX. I have not had XXXX since XXXX. The account went into collections in XXXX. They are trying to say I had a XXXX account in XXXX which is false. In the account for {$510.00} went to collections in XXXX, Then it has been over seven years and it should be removed from my credit. I do not keep documentation that its over nine years old. They refused to provide documentation stating that I opened an account in XXXX, because they know its not true. They have no such paperwork in my name because I have not had an account with them since XXXX. This needs to be removed from my account immediately.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (GA)

Subject : Urgent Request for Removal of Unauthorized and Unverifiable Item from Credit Report Dear Paramount Recovery Systems, I am writing to express my deep concern regarding the unauthorized reporting of items on my credit report by your agency. I have never provided consent for Paramount Recovery Systems to access my credit report, and this infringement on my privacy raises serious concerns of identity fraud. I want to emphasize that even in cases of permissible purpose, the consumer 's consent is paramount, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( B ). Additionally, Georgia state law, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), requires consumer consent for such activities. I have not granted permission for the inclusion of this item within my consumer profile, rendering the reported item unverifiable. I demand the immediate removal of this unauthorized and unverifiable item from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ) and relevant Georgia state laws. I assert my right to have this matter resolved within 30 days from the receipt of this complaint, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ) i ) and corresponding Georgia statutes. Failure to comply within this timeframe will be considered willful noncompliance, in violation of FCRA Section 616 and Georgia state law.

Additionally, I request that Paramount Recovery Systems provide a written document from me, the consumer, that explicitly grants permission for your agency to access my consumer profile, as required by FCRA Section 604 ( a ) ( 2 ) ( A ) and Georgia law. This document should be submitted promptly. I trust that you will address this matter with the urgency and seriousness it deserves, in compliance with both federal and Georgia state laws. I appreciate your prompt attention to this issue and expect a resolution within the stipulated timeframe. 

Done in good faith.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have disputed, over the course of several months, 2 medical collection accounts that are being reported by Equifax. i have asked them to remove this inaccurate information from my credit report because they have failed to provide me how it was verified and their method used to verify the 2 accounts. I pointed out to them that the other 2 credit bureaus ( XXXX & XXXX ) deleted these medical collection accounts because they could not verify them, yet Equifax was somehow to magically able to verify the accounts. I have asked them to provide me with documentation that shows a binding agreement and that bears my signature. they have failed to do so and only respond as " verified ''. This is incorrect and I believe they are to be held accountable since the burden of proof lands on them as they have to report 100 % accurate information.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Spoke with MOHELA representative XXXX on XX/XX/XXXX to have my payments made under the administrative forbearance for the months of XXXX and XX/XX/XXXX applied to XXXX and XX/XX/XXXX per MOHELA email received on XX/XX/XXXX. I was transferred to XXXX in billing. XXXX put in my request and advised it could take up to XXXX business days to apply. My payment was due on XX/XX/XXXX. 

Called MOHELA and spoke with representative XXXX on XX/XX/XXXX as my payment was still not applied. She looked into the situation and told me it was still processing and if the payment shows as past due to not worry as it would be retroactive back to XX/XX/XXXX when I made the request. 

I logged into MOHELA on XX/XX/XXXX and noticed my account was placed in a forbearance. Called MOHELA and spoke with representative XXXX and XXXX XXXX. I was told I was placed in a processing forbearance until XX/XX/XXXX without my consent. I requested this to be removed immediately as the month would not count towards XXXX otherwise. I was told they could not guarantee it would count and that a request would take XXXX  days to remove the forbearance. I was then told it should be updated when the XXXX does the XXXX adjustment. I asked for a letter detailing this and I was told they could not provide one as this information was on the XXXX  website. 

I read the information to the supervisor and representative directly from students.gov regarding months in forbearance only counting for XXXX or more consecutive months and that would render this forbearance timeframe ineligible. I was told sorry, we can not do anything about it.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

In XXXX XXXX XXXX XXXX XXXX and in XXXX XXXX  items appeared on my credit report that did not belong to me and I tried to remove them which did not happen, later I found out Im a victim of the Equifax credit breach.
Consumer complaint received 2020-08-27
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. (TN)

Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) : please remove this because the balance is INCORRECT CREDIT COLL ( Original Creditor : 06 XXXX ) XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX please remove this because the date of last activity is inaccorect
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with XXXX XXXX XXXX XXXX to get a reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan. 

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit. 

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2023, I received an alert from all three credit reporting agencies that a hard inquiry from XXXX XXXX XXXX XXXX had been placed on my account. This hard inquiry was fraudulent, and I never applied for any home loan because I am a XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX, and they informed me that they would stop the application and investigate it. XXXX later informed me that the application submitted was fraudulent, and they would have all three credit reporting agencies remove the hard inquiry and send me a letter. I called XXXX fraud department at XXXX on XXXX occasions, informing them that XXXX and Equifax were refusing to remove the XXXX inquiry. They informed me that they would send another XXXX requests to both agencies, but only XXXX removed the inquiry in XX/XX/2023. I also called XXXX and Equifax on several occasions, and they informed me that they wouldn't remove it even though the copy of the letter I got from XXXX to show proof wasn't enough. They told me that they never received a request from XXXX XXXX XXXX XXXX to remove the hard inquiry. XXXX XXXX XXXX has been very helpful in this case, but XXXX and Equifax have credited a hardship preventing me from getting a commercial business loan for a contract I was supposed to get.
Consumer complaint received 2020-10-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have 2 loans with Navient. One large and one small. I have called several times to discuss payment plans. It is only a temporary fix and payment is not affordable. Navient is the worst to work with. My loans started off at {$9000.00} and now up to {$30000.00}. I feel like my life is ruined due to these sharks who just want your money and do not feel the pain that I go through in life. I keep getting mail, calls, and emails from them. They keep saying they have options, I call and nothing changes with the options presented to me. I was told that if I do not make a payment that my account will go to collections due to none payment. My issue is that I have 2 loans with them. One of them is only about a month behind in the payment and I went online to make a payment today and they locked me out of getting access to my account. The large one is several months behind in the payment which I can understand. Why would they take away access to the smaller loan which i planned on paying on. I will not pay any collection agency. I still want to work with Navient but they seem to not have any options for me. I know several people with Navient loans and most of them are in default due to no options for private loans.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (AZ)

today the XX/XX/ i had charges from XXXX that i never did since i dont have an XXXX  or XXXX  or anything XXXX  and i called to do a disoute and all that happen with that call was the lady was really rude and she locked my account and this was not the first time they let transaction threw my account without autherazations about a week ago they let XXXX transactions of XXXX go threw and the hole time after i disputed it i called and called asking about the resolution and everytime an every person i talked to all gave different answers finally after XXXX  days they did give me money back and this time i couldnt even ask for money back they just got rude and did nothing but lock my account. also when open my account and got my card had money in account i tried to use it and i had just moved and they tell me i cant use my card untill i had a referance number that they mailed to me even though i had moved and they told me to bad with out that number they get to keep the money and i even got them to say those words they will take the money without the referance number cause thats how they verify who u are which is no verifacation at all if thats how they do it anyone can open an account in someones name and have them send it to there address and then there all good. Then there is the fact i tried to add my card after i finally got access to my money to XXXX XXXX  and it was not aloud couldnt even add it to XXXX  until they gave me the ok so i called them and all of the sudden the ask for some referance number again and since i didnt have it when i called they locked my account again i couldnt even log on the app or on the computer and again i had no access to my money so please do something about this bank they need to be shut down and im sure im not the only one that has complained cause if u look at XXXX XXXX XXXX u will see its nothing good from anyone only bad i mean the havve the grade of f on there thank u for reading this and i know nothing will be done after this last XXXX charges that were not authorized i closed my account even though that {$4.00} is a big deal for me cause i dont really have money they would have fought me over it and it would have take another XXXX  days to get {$4.00} back or they would have denied it thank u again even though u wont do anything about this cause this bank is still open
Consumer complaint received 2024-10-31
Product: Credit reporting 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. (NC)

I am filing this complaint to address numerous unauthorized credit inquiries that have appeared on my credit report without my approval or knowledge. These fraudulent inquiries have negatively impacted my credit score and caused considerable concern.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am filing this complaint due to Equifax 's failure to properly reinvestigate and verify information associated with the XXXX account. Equifax has shown inadequate compliance with Section 611 of the Fair Credit Reporting Act ( FCRA ), affecting my credit profile negatively through significant errors and unverified information. This failure to accurately report has led to multiple discrepancies, as detailed below : Account Number : Multiple variations reported, indicating inaccuracy. 
Date Opened : Inconsistent dates reported.

High Credit : Discrepancies in reported high credit amounts.

Credit Limit : Incorrect credit limit data.

Payment Status : Conflicting information on days reported late.

Last Reported Date : Inconsistent dates reported.

Date Last Active : Mismatched reporting.

Date of Last Payment : Variations in the reported dates.

These inconsistencies are violations of my rights under FCRA, and Equifax has failed to respond adequately to my request for a reinvestigation. I am legally entitled to receive a thorough description of the verification procedures employed, as well as the names, addresses, and phone numbers of any parties contacted in the verification process.

Specific Requests I demand that Equifax immediately provide : A full, detailed description of the procedures used to verify this accounts accuracy within 15 days of completing the reinvestigation, as mandated by Section 611 of the FCRA.

The name, address, and telephone number of each person contacted regarding this account, as stipulated in Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature proving a legal obligation for the exact amount claimed, in accordance with Section 609 ( a ) ( 1 ) of the FCRA.

7. Final Warning Any automated response or verification conducted solely through XXXX  will be unacceptable. If Equifax continues to evade my rights and fails to provide a satisfactory response within 30 days, I will pursue additional legal actions. Equifax is reminded that, as established in XXXX XXXX XXXX XXXX XXXX, they may be held liable for any willful non-compliance with the FCRA. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-07-08
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. (NY)

For the last 18 months, Navient has been incorrectly reporting derogatory late payments to my credit files. For the month and year listed below Navient erroneously reported between 60 - 150 days late. According to Navient customer reps, they only report an account late after three billing cycles. To date, I have gathered supporting documentation showing all canceled checks and or debit card transactions for payments under my rate reduction program. Derogatory late months are shown on my credit report ; XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX. Each of the fourteen accounts with Navient shows a mixed bag of derogatory lates ranging from 60/90/90/90/120 or 150+ days late. For the Months of XX/XX/XXXX - XX/XX/XXXX, Navient has granted me a national disaster forbearance, but they are still reporting derogatory for said months
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (FL)

On XX/XX/ I reached out via written correspondence to XXXX and ReDebt Automated Collections LLC inquiring proper and accurate validation of a collection reporting on my consumer report. XXXX and RentDebt Automated Collections LLC has fail to provide accurate validation of collection debt and refuse to comply with all consumer laws.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, The accounts in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The account status is reporting that these accounts have been over 30 days late. I ask that the furnisher provide proof that these accounts were actually late. Please update these accounts as paid as agreed never late or delete these accounts. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A State 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