davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
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. (TN)

Pursuant to 15 U.S.Code 1681 ( 3 ), Who gave you permission to furnish a consumer report with my personal private information? I did not give Equifax consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Equifax showing that I granted you the permission to furnish my consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Equifax to furnish my consumer report. 

You broke the law!!! Pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result i will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say. 

I am a natural person and I am pursuing my legal rights under 15 USC 1681n, Equifax obtained information on my consumer report under false pretenses and knowingly without a permissible purpose. I am demanding a settlement of {$2000.00} mailed to me by check within 15 days.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I mailed the first dispute to Equifax via XXXX XXXX Mail tracking # XXXX which according to XXXX XXXX was delivered and received on XX/XX/2022. I requested the disputed items be validated. In their first response, Equifax provided no copy of any contract with a signature and therefore failed to property validate said disputed items under federal law. On XX/XX/2022 I mailed second dispute letter to Equifax via certified mail tracking # XXXX which was delivered on XX/XX/2022 according to XXXX signed return receipt. Today is XXXX, XXXX, XXXX, thirty-five ( 35 ) days later and I have not received a response. 

My rights were violated twice under this law as they failed to assure maximum possible accuracy to me ; 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My rights were violated once when they failed to acknowledge my second dispute letter within 5 days under federal law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My rights were violated 10 times wherein each time Equifax failed to validate each disputed item, totaling 5 items for first dispute and 5 items for second dispute under federal law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX of XXXX my vehicle was involved in a accident to where it was totaled off and a settlement was reached an agreed-upon by all parties and my insurance company which is XXXX settled again and I repeat everyone excepted the settlement amounts and the document was dated XX/XX/XXXX the amount that was disbursed and settled upon was {$25000.00}. I have tried numerous times to have XXXX XXXX zero out this balance and to no avail originally the account was still open and they just charged it off this year in XXXX and no one from XXXX XXXX contacted me about the account. Once I noticed the bill open on my credit I contact them many times because I was inquiring why the balance was left open on my credit. I have gone to XXXX XXXX, I have gone to the dealership, and I have gone to my car insurance company XXXX  who paid off the balance they stated that XXXX XXXX provided them and accepted. XXXX XXXX can not come back to me after the fact inquiring for a balance. At the time of the accident I did have GAP Insurance XXXX XXXX did not file any GAP Insurance again they can not come to me billing me for something that they did not do.
Consumer complaint received 2022-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IA)

I graduated with approximately {$30000.00} worth of student loan debt in 2012. I was already working full-time as a XXXX  at the time so immediately tried to enroll in the PSFL program . Due to the fact that I made very little money as a XXXX, and I was eligible for the PSFL, I was enrolled in an income based repayment plan which stated I owed {$0.00}. Eventually, I made enough money not to qualify for this and to my shock, was also told that the payment plan I was in did not qualify for PSFL even though I was told that it did. Even though I owed {$0.00}, the interest on the loan was not forgiven so I essentially ended up owning more than I started with because of this repayment plan that was pitched to me as the savior and the easiest way for me to put in my 10 years of public safety and get my loans forgiven. Eventually I refinanced out of fed loan servicing into a private loan company because I was tired of being lied to and misled. Regardless of the repayment plan they put me on, every one except the standard 10 year repayment plan was structured to COST my more money than I was paying off. 

With the new PSFL rules in place, I feel like Fed Loan Servicing stripped me of the ability to have my loans forgiven, even though I have had 12 years of continuous public service and continue to do so. I had to make a choice between continuing to participate in a broken system that was never going to follow through with its promises or cut my loses and walk away. I don't know if there is any hope for help, but I feel like FedLoan Servicing acted intentionally and with malice in an effort to deceive me for monetary gain.
Consumer complaint received 2022-01-17
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 have XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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. 

Here are the fraudulent inquiries in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions (NC)

In XXXX of XXXX, I spoke with a representative at Rent Recovery Solutions about their report on my wife and I credit. The report says collections/chargeoff. I have paid the balance off and was told by a representative at the Rent Recovery Solutions that the report will stay on my credit even though I have paid the balance. I then contacted CFPB and they helped me submit a complaint ( # XXXX ) against the company Rent Recovery Solutions XXXX The company responded and said that removing the report from my credit would take a some weeks to process. I contacted Rent Recovery Solutions in XXXX and they said that it takes 90 days to be removed from my credit report starting the day I reported the error to them in XXXX. It is XX/XX/XXXX and it is still on my credit report.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I had my identity stolen twice in XXXX  which I later filed FTC reports, there was a XXXX XXXX XXXX foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a zero balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a zero balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to XXXX XXXX XXXXXXXX... calls to XXXX  that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (MS)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I am attaching a letter I received regarding this loan. First- it was not allowed to be paused during the pandemic. They constantly harassed us during the entire time. Secondly, we have received significant correspondence regarding the transfer of the loan from Navient to aidvantage. Yet, we are hounded as our friends and neighbors by Navient. This process is criminal as they are no longer supposed to be handling our account. In order to keep our credit in order and because of the harassment I have paid them, but I really don't like it as I don't feel they are legitimate but I am fearful by the calls and emails. However, you can never return an email to them or get the same person on the phone. This is absurd- We are retirees and the debt has doubled due to Navient.
Consumer complaint received 2022-01-17
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

My equifax login is broken and customer service has sent me reset links and etc that do nothing but lead to the following when logging in : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 2021-12-21
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)

Fraudulent accounts and inquiries are furnished on my consumer report without my written permission as a result I'm a victim of identity theft. As a consumer I have the right to privacy of my personal information.
Consumer complaint received 2022-01-17
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. (NV)

Equifax is refusing to remove fraudulent credit inquiries from my credit file but removed 18 closed account is good standing with positive payment history from my credit report without my permission and against the law. 
Information about those accounts in the attached screen shots.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of XXXX XXXX XXXX XXXX aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information on CITICARDS CBNA from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please investigate and remove it from my personal credit file. Thank you. 

( CITICARDS CBNA XXXX )
Consumer complaint received 2019-10-14
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. (IN)

On XX/XX/19, My attorney mailed a debt validation letter to XXXX and XXXX ( Please see attached letter ). XXXX did not respond. Additionally, they reported a fraudulent account to my credit file and did not list it as disputed. XXXX and XXXX is violating the Fair Debt Reporting Act and the FCRA.
Consumer complaint received 2022-10-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (FL)

I purchased a vehicle in XXXX and financed it with XXXX XXXX XXXX. Due to high interest I decided to immediately refinance through XXXX XXXX XXXX XXXX. I received the refinance check from XXXX XXXX XXXX XXXX and due to a lack of knowledge on refinancing, I endorsed the check and deposited it into my personal checking account with Chase Bank thinking I would then pay off the XXXX  XXXX auto loan. I deposited the check in the amount of {$21000.00} on XX/XX/2022. 

The following week my checking account with Chase bank was frozen and I could not access the loan amount nor my personal funds. After speaking with Chase bank I was told the check was not properly endorsed, the account was marked as fraudulent and the check would be declined in 2 weeks and XXXX XXXX could issue another check that I could properly endorse. After 2 weeks of not having access to my personal money the check processed into the account and did not decline as they said it would. My account remained frozen and I could not pay bills, buy groceries, etc.I went to a branch 45 minutes away and they were able to manually withdraw my personal money but the $ XXXX could not be touched. 

I have spent countless hours on the phone with all three banks. XXXX XXXX has washed their hands of the mess and will not verbally endorse the check nor will they accept a form to endorse the check. I have been told by XXXX XXXX I need to resolve the issue with Chase Bank and XXXX XXXX. 

XXXX XXXX has submitted a claim with Chase Bank and has called multiple times requesting they send their money back to them so they can reissue this check but Chase Bank refuses and declines their requests. 

I spoke with a supervisor with Chase Bank for 2 hours today exploring every option and they said the only thing they would accept is verbal consent or written consent from XXXX XXXX which XXXX one will not give. Chase Bank tells me they will sit on the money and not send it back to XXXX XXXX nor will they send it directly to XXXX XXXX and they will not unfreeze the account for me to access the funds. 

All that being said, this has been going on for two months and I am currently paying two car payments a month that I can not afford. Not to mention the amount of debt in my name for the vehicle double loans totals more than I make in a year. My credit score has dropped substantially the last couple months, I've taken a lot of time off work trying to resolve this, the emotional stress has me exhausted, and I am in quite a bind financially trying to pay over {$700.00} a month to two different banks for the same vehicle. I can not go on much longer like this and desperately need a resolution but there is nothing I can do at this point as no one at any of the banks can help resolve the issue.
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (CA)

The company XXXX XXXX is a storage company that send a fraudulently abstained debt to a collection company named, AAargon Agency for an estimated amount of {$450.00}. I did not acquire this debt nor did I open an account at XXXX XXXX.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (NC)

I have a account with skylight Im a minor my account got locked because I put in the wrong password three times, Ive called them multiple times sent multiple documents and a lot of them got denied my social and birth certificate did get improved but they still wont unlock my account and Im a minor only XXXX so I dont have any other type of Id.