davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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: FactorTrust, Inc. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXXXXXX XXXX XXXX XXXX  and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681XXXX XXXX XXXX  ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1300.00} Credit Limit XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX 2022 Open Date XXXX, 2022 Last Activity XXXX, 2022 Terms Scheduled Payment High Balance {$1500.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off XXXX XXXX
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (AZ)

I can not get information on who owns my student loans. I have not paid on them since XXXX when I became ill and dropped out of school, and yet I still get notices from NelNet. Throughout the years I have had them deferred. I have been very ill and in XXXX came down with XXXX that I am still dealing with the after effects. 

My student loans should have stopped in XXXX. 

I do not know who owns them or how to get that information. 

I need to have the student loans removed from my credit report.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX has not provided a signed contract between XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Consumer complaint received 2022-09-02
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. (AL)

In accordance with the Fair Credit Reporting act ( 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 2022-11-07
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: FactorTrust, Inc. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number?

whe was last activity of the acount?

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i Tab/Sunbit XXXX ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last XXXX XXXX, XXXX  Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1800.00} MORE DETAILXXXX XXXX ( Installment ) More Details XXXX XXXX XXXX Closed Date XXXX XXXX, 2022 Open Date XXXX, XXXX XXXX XXXX XXXX XXXX Terms Scheduled Payment High Balance {$2300.00} Loan Type XXXX XXXX  Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXXXXXX XXXX XXXX Comments Unpaid balance charged off
Consumer complaint received 2022-10-21
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2022 I was scammed by an " XXXX '' support tech. He was very knowledgeable and was able to log into my phone ( take over ) walking me through all the steps. He told my account had a charge of {$990.00} which I did not do. He said someone hacked my phone. He walked me through all my accounts to fix them. He said I needed to log into my Chase account and submitted 2 XXXX payments. The first payment was for {$490.00} and then he actually reimbursed me that. ( Got my trust ) then I sent 2 {$990.00} payments to him. He also stole {$400.00} from my cash app.He also tried to make purchases from my XXXX but that did not go through. He also told me to go to the grocery store and buy 2 XXXX gift cards for {$500.00} each. He would enter in the codes for me and I would get reimbursed on my XXXX account. He stole that as well. He text me from a number and we were texting back and forth trying to fix my phone as well as on the phone. I am so embarrassed I fell for this. I submitted a claim with Chase and they denied my claim because I authorized it. I thought i was just doing a " test '' on the phone with the scammer. ChaseXXXX should reimburse me and will fight this. I have been a long term Chase customer. I desperately need your help! Please and thank you!!!!
Consumer complaint received 2022-09-02
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. (MS)

Equifax has fell to provide the accurate source of information for a public record that appears on my consumer report. Equifax relies on an inaccurate source for information ; the information source is different from the Bankruptcy itself. Equifax stated US Bankruptcy XXXX XXXX verified this public record. I have attached the letter from the bankruptcy court, which in fact does not furnish nor verify public records. Under 15 USC 1681g, it is required for the CRAs to give the accurate source of information. So, that I can properly dispute the information being reported with the source. I requested the information source previously with Equifax ; in which the information was never provided. On my Equifax consumer report under Public Record Information. It states public records are obtained through a third-party vendor, XXXX. 
I have provided the letter from XXXX XXXX, which shows no public record. I am aware that Equifax and XXXX obtain public records from the same vendor, XXXX. XXXX deleted this public record on XX/XX/2022, from my consumer report. The source for this public record is inaccurate. I did not give Equifax consent to furnish this public record on my consumer report. Equifax has invaded my right to privacy. Equifax has also fell their grave responsibilities under the FCRA.
Consumer complaint received 2022-09-02
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. (TX)

accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.
Consumer complaint received 2022-09-02
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. (AL)

Account Number : XXXX XXXX  XXXX I have been a victim of identity theft and I am writing to dispute the account information in my file. This account was a result of the identity theft and is not mine. 

You must be aware that the furnisher of my credit information is an unreliable source and that the informational items sent to you from the furnisher was inaccurate prior to you issuing my consumer disclosure. 

Block the account XXXXXXXX XXXX XXXX from reporting to my consumer report because it is verified identity theft reported by the police. Included is the police report with the individual who stole my identity reported. 

Also included is my proof of ID ( Drivers license, social security card and utility bill )
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was trying to purchase an exotic bird from a website. I made the purchase through XXXX and the business who was selling the bird. Didnt fulfill the purchase. I tried to reach out to Wells Fargo. Which is my bank. XXXX my transaction has the info of where the money went to and to whom it went to. I dont have that ability to see or dispute more than submitting a claim with my bank. They told me to wait 10 days. Which I did. And then when I called on the 11th day. They said the case was closed and they wouldnt give me the money back. If I didnt receive the good and Im claiming that the individual was committing fraud and grand theft. Then they should reach out to the receiving bank asking for my money. And they should take the money from this individual who had to have shownwd Identification to open up and account and negative balance his account. Or something needs to be done to fix the situation
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Per the US Department of Education article published XX/XX/22 lenders are to discharge ( without applying for Borrower to Defense ) all federal student loans borrowed to attend any campus owned or operated by XXXX XXXX XXXX ( Corinthian ). Corinthian also owned and operated XXXX XXXX, XXXX, CA, XXXX that I attended. The article further states that borrowers were to receive notification within the coming weeks and that no further action was needed on the part of the borrower. The loan servicer failed to send out notification to borrowers and/or address the article. It has been three months since the publication of the article by the Department of Education. I called the loan servicer as no notification was received via email, mail, or published on their website. The loan servicer directed me to contact the Borrower to Defense hotline of studentaid.gov. They did not have a response to the publication or policy established. I tried to notify them, but they stated that it needed to come from the Borrower to Defense department. I tried to call back during the week of XX/XX/22 to notify them again. The agency referenced the sweet vs cardona case. I explained that this was different and the publication from XX/XX/22 from the Department of Education. They again directed me to the Borrower to Defense hotline and stated that they could not assist me.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (WI)

XXXX caused me to get behind, Where I work everytime someone is sick they get tested then everybody else in the office has to go home for 11 days and get a negative test to return. This has seemed to happen numerouse times each time cosyting me 11 day of income. 
Contacted Wells Fargo Auto and made some double payments they keep sending a right to cure default with very limited time to pay. I sent them a letter stating that Wisconsin law states you can not repossess a car if there is a breach of peace and the mere objection constitutes a breach of peace. Hoping they would allow me time to catch up and they said tehy do not care they will go ahead. Wisconsin law only allows for remedies after an illegal repssession not before and I need the vehicle to get to work. 
The last right to cure default only had me two payments behind one late and one very recent Please help me XXXX
Consumer complaint received 2022-09-02
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-02
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. (NC)

After providing proof to XXXX they are still choosing to report false information on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX BANK XXXX XXXX
Consumer complaint received 2022-11-07
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. (VA)

In accordance with the Fair Credit Reporting Act. The list lif accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer reporting 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.This account WELLS FARGO BANK is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-11-07
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: FactorTrust, Inc. (NV)

these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX my Jobs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2019-11-29
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: TRANSWORLD SYSTEMS INC (NY)

i went to check my XXXX XXXX report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 

1.XXXX XXXXXXXX XXXX in the amount of {$22000.00} 2.transworld systems in the amount of {$1100.00} 3.XXXX XXXX XXXX XXXX in the amount of {$1100.00} 4.XXXX XXXX in the amount of {$1000.00}
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

I've been purchasing furniture for my new home that I will be moving to at the end of this year. I ran into several declines when making purchases on XX/XX/2022 due to suspected fraud. I cleared each of the text alerts to confirm the purchases were made by me. However, it kept happening for numerous purchases. Ultimately, I was able to make the purchases after numerous attempts and frustration. On XX/XX/2022, I called Chase as I was planning to make additional purchases and wanted to be sure there were no further issues. I was informed by the first representative that Chase placed a security freeze on my account without notifying me in anyway. She transferred me to a member from the fraud team, which I explained the situation to and he helped me get things situation to ensured that I'd be good to go. He cleared the fraud hold from both my credit cards and added the address I'll be moving to eventually ( that I was shipping the furniture to ) as the secondary address on my account. He promised me that I'd have no further issues. A few hours later, I made a purchase with XXXX that went through, just to find out from the merchant several minutes later that Chase actually reversed the charge, and re-placed a fraud hold on my account. I called Chase back and got a supervisor who was serving as a back-up for the Fraud team since they closed XXXX minutes earlier. He spent over XXXX minutes re-verifying me and asking me numerous questions just to tell me that the fraud team added an escalated hold that only they can clear. They don't do call backs, so I have to take more time to follow up with the Fraud team during their business hours to clear up their incompetence. This is the third time in the last 2 years that the Fraud team has blocked my card right when they closed, leaving me stranded without an alternative when I needed to make a critical, time sensitive purchase. This is unacceptable that this team has so much power and no one else can help customers address critical needs.