davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
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. (GA)

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER, given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. 
After checking all three of my consumers reports with ( XXXX, XXXX and Equifax ) I have no knowledge of the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

In XXXX of XXXX, I called after my account was transferred to Mohela from XXXX. I was checking on whether all the documents had been transferred and if my loan forgiveness form was being processed. As I had one employer who would not sign the form for forgiveness I asked what paperwork I could submit to prove that I did work for the XXXX XXXX XXXX and that they were a qualifying employer. This is on the XXXX of XXXX. I was told that I a copy of my W2 's would suffice as proof of employment. The person I spoke with also checked with her supervisor to ensure that she was correct. I believe her name was XXXX. She confirmed that I would need to submit the W2 's for the years I worked for XXXX. I submitted the IRS W2 wage statement for these years. I also requested the payments I made during the covid pause be returned to me. I called again in XXXX around the XXXX to double-check that the document was received and that it would be enough for the forgiveness to be completed as XXXX was my 120 payment. I was told it was fine but the person who reviewed my account in XXXX did not review the IRS document and therefore I was only given a payment count of 80 months. She said she would resubmit the documents with a note on my account to ensure that the IRS form was looked at and it would take 60-90 days. I spoke with XXXX on the chat box today ( XX/XX/XXXX ) to ensure that my IRS document was being reviewed as I was near the end of the 90-day wait period. She informed me that this document would not count for forgiveness and that my request for forgiveness after 120 payments would not happen. I asked to speak with a supervisor and she gave me a phone number. I called the number after I was done speaking with XXXX and was informed after XXXX mins of them reviewing my account that this form was not correct and that I needed to submit paystubs from XXXX XXXX XXXX Having not worked for the XXXX XXXX XXXX for almost six years I no longer have access to the paystubs which were provided electronically at that time. I have been misinformed on multiple occasions by several people every time I speak to someone at Mohela. I have emailed the XXXX XXXX XXXX to get access to the paystubs from this time if they are available. I have received an email from XXXX payroll stating that the paystubs are not available but was told they will print a cumulative payroll report which will have the same information as the paystubs. I do not know if this will be accepted by Mohela as I was told today ( XX/XX/XXXX ) that only the paystubs from this time period will be accepted. I have done everything that was asked of me by this company and they not providing me with the correct information or any alternatives if I can not access my paystubs. My IRS document providing my W2 information from these years should be accepted as proof of employment.
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-12-01
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. (IN)

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 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 ; XXXX XXXX Inquiry : XXXX XXXX, 2021 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I walked into Citizens bank and deposited my income tax check XXXX XXXX Citizens bank pretty much held my income tax check till XX/XX/2023 saying my income tax check wont clear. I spoke to the treasury they informed me the check was cleared XXXX of XXXX. Citizens bank then told me they were waiting for irs to send check back. i spoke to irs they informed me check has been cleared its no reason Citizens bank should hold my deposit that long.
Consumer complaint received 2023-02-01
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-19
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. (NJ)

I have a collection on my credit from XXXX XXXX XXXX ; first delinquency XX/XX/2022 with a status date of XX/XX/2022 ; date assigned XX/XX/2022. It's for a utility company based out of Texas called XXXX XXXX XXXX XXXX for an amount of {$620.00}. 

I have disputed this collection with Equifax XXXX times and each time Equifax states it is mine. I reached out to XXXX XXXX and provided some identifying info and they state it was a mistake. 

How do I get Equifax to remove this from my credit report.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY (SC)

I was recently contacted by a number from XXXX, Virginia ( XXXX ( XXXX ) XXXX ) Who claim to say that I owed a debt of just shy of {$1000.00} for an account that I had apparently 15 years ago when I was 17 years of age and was closed last Thursday they proceeded to contact me and explain to me if I would like to resolve the debt or go to court over said that which I informed them that I dont remember that account which day then proceeded to explain that if I would like they would take legal action. Now with me understanding that this debt could possibly if at all exist be over 15 years ago obviously I informed them to take legal action if that is what they felt necessary to do. Which then a Processor proceeded to call my family member and leave him voicemails regarding case details and order numbers etc. which was then forwarded to me I have not personally had direct contact with said person. They left in the voicemail a phone number to a person or business in the XXXX XXXX California area ( XXXX ). Which I then called and explain to them that its been 15 years if that even existed and you cant proceed legal action which I was then hung up on so I called back to try to verify they were even carrying the correct information to ensure that I was delivered my legal papers properly which to no avail was continued to be hung up on. Now I am in concern they will actually follow through with legal course of action without actually delivering papers to me in order to get a judgment in my absence and claim that the paperwork has actually been delivered.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Debt Mediation, Inc. (FL)

A property I used to live at in 2019 is reporting me on the tenant screening and I am having a difficult time finding stable housing. I have a voucher and every property I have applied denies me because it looks like I owe money to this property. The property had my name incorrect in the contract they provided the collection agency in addition to having the wrong move out date as XX/XX/2019 when I moved out in XX/XX/ 2019. Despite my efforts attempting to remove this it's been unsuccessful I even paid whatever they asked. I just really need this property to stop reporting me on the tenant screening as I do not owe them anything. Please see attached proof.
Consumer complaint received 2023-02-08
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)

Equifax continues to report a loan from XXXX XXXX XXXX on my credit report as a charge-off despite the fact that they have been notified multiple times by the original creditor and me that the account is fraudulent and does not belong to me. The original AUD removal order was sent to Equifax by XXXX XXXX XXXX XXXX XXXX, XXXX and again on XX/XX/XXXX, however, as of XX/XX/XXXX this trade line remains on my Equifax credit report. This has already jeopardized my military career and my government security clearance as well as my ability to obtain credit. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my federally protected consumer rights.
Consumer complaint received 2022-04-22
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-02-02
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 2023-02-03
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. (NJ)

I Sent my letter off on XX/XX/2022, I told the credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I send out and here is the USPS Tracking # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained thought personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not a proper investigation according to the law. Also every piece of information on those accounts are still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account listed below : Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OR)

Bank : Chase Bank NA Issue : Transaction Fee for XXXX Purchase Date of transaction XX/XX/XXXX Date of Fee XX/XX/XXXX Issue : Chase bank is now charging " Transaction fees '' on XXXX usage on credit cards without warning. They are also charging high-interest rates on the fees without warning or notification. 

Attempted resolution : Attempted to ask for a reverse of the charge via customer service. It was first stated by an associate that Chase had no responsibility to notify customers of the change as it was XXXX that changed their transaction category. I was also told no charges could be reversed. I asked to be transferred to a supervisor who indicated that one of the charges could be reversed but not the others. She then mentioned Chase DID have a responsibility to notify its customers and I should of received a letter. I explained that I did not get a letter and I should of been notified via email or on the Chase website, which she indicated they had not done. 

Chief Complaint : Chase is attempting to use service fees and interest rates to attempt to generate income on unsuspecting customers without warning of possible fees.
Consumer complaint received 2023-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (PA)

In accordance with the Fair credit reporting act XXXX  to lendmark financial services has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666 B A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not remove them, nor prove validation. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-14
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)

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. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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.C1681 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 of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (FL)

Once again According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to sees Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I he me demand the following accounts be verified or removed immediately. 

XXXX XXXX  Account number XXXX Unverified account XXXX XXXX XXXX XXXX  Account number XXXX Unverified account