davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

XXXX XXXX //www.mohela.com/ calls and leaves threatening voice mails. 

my account has auto-debit on, but they insist I owe a balance ; however, when contacting them ( I have to wait an hour until after they close ), they are unable to confirm, deny, nor provide any information to me ; but that i can reference the site which then states a {$0.00} balance. 

their refusal to re-send documents lost by USPS, as well as, their inability to take responsibility and give me the amount I owe and the monthly amount is dangerously faulty. they also have auto-debit authorization, which allows them to take the funds directly ( there is more than 40 % over the amount it shows i owe, this is a fault of their system ).
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Name : XXXX XXXX XXXX : XX/XX/1995 SS : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Texas My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifaxx has done nothing. Please help me delete these illegal accounts from my credit reports. Filing for bankruptcy was a result of the Equifax data breach. Attached wil lme Reference number : XXXX ( XXXX XXXX XXXX XXXX XXXX All Hard inquiries XXXX XXXX XXXX XXXX XXXX ( Account number last 4 digits XXXX )
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

It has been almost 2 months since I originally disputed information on my credit report. I have not received notice of investigation, notice of dispute, or any update to my credit report. Information is inaccurate and needs to be removed from my report. Representatives tell me they will get to my request but nothing happens. This isa direc violation of my consumer rights.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Your bureau 's failure to comply with the Fair Credit Reporting Act ( FCRA ) has been noted. I demand immediate correction of inaccuracies in my credit report to adhere to federal law. 

Failure to rectify these violations promptly will result in legal action. I expect immediate compliance with FCRA regulations.
Consumer complaint received 2024-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I have requested a refund of my payments made in XXXX, XXXX and XXXX, per email sent to me from Mohela, below. They have not refunded me and have not provided me with a response. 

" Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX and your account will not be considered delinquent. Be on the lookout for your next billing statement.. 

You may also, instead, contact us to request a refund for any payment made during this time. If you are enrolled in XXXX Debit, monthly payments will continue to be withdrawn for your regular amount due each month plus any additional recurring amount you have requested. This will occur even after any payments you made for a due date in XXXX through XXXX have been applied toward your future payment ( s ). ''
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-01-18
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)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I earlier file a complaint of wrong reporting on this account and the investigation didn't make any corrections.

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported- XXXX XXXX account number XXXX you have it as recent balance XXXX as of XX/XX/2024 and status of account charged-off XXXX written-off XXXX but this account has been paid-off. 

You can call XXXX to find out about this account which is paid-off but your investigation came back as your correct information is accurate which is not true here is the payment confirmation number, call them and provide the number to them to confirm payment - XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

XXXX fraudulently placed a fraud alert on my account without my permission and they are keeping it on without my permission. I would like for them to reimburse me for the many hardships in the amount of {$7000.00} for each occasion I had to contact them and. I have called on over 7 occasions and they still have not removed the alert. I am unable to obtain any replacement credit cards because of the fraud alert. XXXX says the alert is not on the file, then they say it has been removed, however when I contact my credit card company, they advised the alert is still on the file. I am expending time and energy to get access to my cards.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

On XX/XX/2023, I submitted a self-attestation along with XXXX XXXX documentation to Equifax via the USPS and online, requesting the removal of adverse information from his credit file. On XX/XX/2023, Equifax responded via E-mail, requesting victim determination documentation confirming that I am a victim of XXXX XXXX, despite having already provided it in the initial submission. By requesting this Equifax is indirectly alleging the documentation received is impaired, which contradicts Regulation V 1022.142 ( e ) ( 4 ) explicitly prohibiting the decline or rescindment of any block of adverse information related to XXXX XXXX within 4 business days based on the validity of the submitted documentation. Equifax 's actions constitute a blatant violation of this regulation, a deprivation of rights which is a criminal offense, and are causing undue delay in XXXX 's rehabilitation, further exacerbating his injuries. 

Additional details are provide in the documents/ information regarding the verifiable validation of the XXXX who issued the Victims determination documentation, by the name of XXXX XXXX XXXX, who is a Governmental Taskforce member is being attached to this complaint.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have had constant correspondence with Equifax in regard to the use of my information and how it has been impacting my personal life. The company has been using my information incorrectly and has constantly refused to disclose the straps of my credit standing. My employer information has been incorrect, my credit history has been incorrect, my financial standing is incorrect, and Equifax is refusing to allow me to access my information. I have had to do an authentication process online that has access to my credit history but anything incorrect that I try to correct has been inaccessible.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MT)

On XX/XX/XXXX we were attempting to buy tickets to a football game. Payment was made via Paypal. We instantly knew we were scammed at the " instant tickets '' were not available and the man hung up on us. We immediately called the nubmer and it was disconnected. I called Paypal to stop payment. I called bank to stop payment. They are saying since we said, " friends and family '' we were not covered but would look into it. It was eventually sent to collections. 

I have contacted Paypal. They say to cover the {$600.00} and THEN they will work with our bank. however, the bank has nothing to do with it. They are not actively going after the man who scammed us. The case is closed. 

I have his " name '' which I'm sure is a scam. His email. As far as I know his account is still open and active and able to scam. Paypal is not pursuing this even though we did not receive our product. Even if we are not able to be helped with the amount owed- I do not believe that this man should be able to have an account. Can we get the money back from him? 

Paypal said they " front '' the money ... and it's too late. Trying to get this guy to be held responsible for his actions. Thank you.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (TX)

I challenge the reportability of the allegations within my credit report. They are simply not true! My credit report is full of errors! I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting!, which is why I have the right to contest any information on my credit report that I believe is inaccurate, in accordance with the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then just one person was not doing their job - which means more mistakes!
Consumer complaint received 2022-12-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, XXXX and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. I have included Barclays privacy policy which clearly states Barclays does not share to NON AFFILIATES. XXXX, XXXX and XXXX XXXX are NON AFFILIATES.
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (TX)

I signed up for a free trial with XXXX XXXX. Within about XXXX min of signing up, I decided to cancel. There is no way to cancel via the app or website, so I filled out the support form requesting to cancel, and heard nothing from XXXX. XXXX then charged my card and now claims that I did not cancel the service. On top of that, the charge is for more than the cost of the service. And lastly, the trial should have been for a month, and the charge went through after a few days. 

Goldman Sachs ( Apple Card ) refuses to acknowledge any of this, and is insisting that the charge is valid despite a mountain of evidence. This has been going on now for seven months. 

There are literally hundreds of reviews that tell this exact same story. XXXX XXXX is a complete scam.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Im an XXXX XXXX service member and received orders to XXXX. Request XXXX  Benefits under XXXX  XXXX XXXX. Please note under XXXX  XXXX XXXX, the interest cap of 6 % applies to all credit cards and loans obtained XXXX and before XXXX XXXX. I have attached my orders and XXXX XXXX XXXX. Thank you.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC. (MS)

I received a settlement offer letter from Exeter finance LLC XXXX. Exeter finance LLC has failed to show that they gave me a loan. On the experian credit report Exeter finance LLC charged off {$25000.00}. Written off {$27000.00}. Exeter finance LLC has failed to reimburse me the credits of account number XXXX an auto loan I never received.
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (UT)

I XXXX from XXXX XXXX XXXX in XX/XX/2004. My student loans have been on the income driven repayments ( IDR ) plans. However, I don't have records showing how many cumulative years I have earned towards a discharge since my loans were transferred multiple times to different student loan servicers. 

I have been on programs offered by the US department of education such as : 1. Economic hardship deferment 2. Repayment under certain other repayment plans XXXX. Periods when your required payment is XXXX I would therefore would like to know how long I have been on the IDR and if I am eligible for a discharge of my student loans for XXXX schools attended.