davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
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)

This is not a DUPLICATE Report and this not filed by a 3rd Party or Credit Repair Company. 

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act XXXX these accounts below have 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : Equifax XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2022-12-05
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: CITIBANK, N.A. (LA)

XXXX XXXX XXXX {$360.00} XX/XX/2019 I've sent XXXX rounds of letters and that the account still remains on my credit profile and have not been fully validated
Consumer complaint received 2022-12-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient has been an absolute horrific business with deceptive business practices and customer service representatives who are tactfully trained to put students and borrowers into more and more debt. I originally obtained a loan from Sallie Mae ( who later transferred my loan to Navient ) to pay for my education in XXXX. Since then, though I've made many, MANY payments on time, there were times where I struggled and couldn't make my payment. Everytime I called, they regularly and routinely " forced '' me into forbearance and made it an effort to say that this was a great solution to my problem. XXXX did I know- the interest continued to mount and XXXX and though I borrowed {$7000.00} in XXXX, I'm STILL making payments in XXXX ( almost 10 YEARS later ). I know there was a lawsuit with Navient where they should be forgiving private debt and I've met the criteria. However, the representative I spoke with indicated they're waiting for a letter ... What letter could you possibly be waiting for? I meet the eligibility and you admittedly engaged in deceptive practices. I was XXXX or XXXX when I first took this loan. I'm almost XXXX and still paying ( and have already paid WELL over the XXXX originally borrowed ). The representative ended the call by reminding my my next payment was due on the XXXX. What the XXXX? Seriously?
Consumer complaint received 2022-09-25
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)

Accordance with the Fair Credit Reporting Act XXXX Account : 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 instructions. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXHard inquiry XXXX XXXX XXXXHard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-25
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. (SC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1861 and they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX
Consumer complaint received 2022-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (FL)

This is in response to complaint XXXX To Whom It May Concern, You stated in your response that for the following accounts you hold a Business Associate Agreement with XXXX Florida XXXX XXXX XXXX One question. What does that have to do with me and my PHI? I know everything there is to know about HIPAA and the ONLY reason that ANY of my PHI should be given is with MY CONSENT or if another physician has something to do with my case not in collection of an alleged debt! According to the CDC The HIPAA privacy rule contains standards for individuals rights to understand and control how their health information is used. Regardless of the business that you have with XXXX Florida XXXX, you are not considered a covered entity. You and I also do not have a contract binding my wet ink signature and yours. Until you can provide to me the document that I provided North Florida XXXX my request to release my PHI and health information to you Choice Recovery, I demand you stop trying to collect on the account. Under HIPAA I reserve the right to protect the privacy of my personal and health information from all third party reporting agencies. Please provide the above requested documents. This notice is request for VALIDATION not VERIFICATION and I request FULL DOCUMENTATION containing all information that you received from XXXX Florida XXXX  of this alleged debt. 
Continuing to report this Medical debt without properly validating, having permission to my PHI and medical information, and without providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 
I expect a response within 15 days from the date of receiving this notice to respond or this alleged will need to be removed immediately. 

XXXX : XXXX ' Done in good faith. WIthout prejudice. All inalienable rights reserved. 

Account in question -- -Choice Recovery Inc XXXX {$120.00} XXXX XX/XX/1990
Consumer complaint received 2022-09-25
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. (IL)

I sent the letter on XX/XX/2022 to XXXX XXXX XXXX and Equifax however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. According to the law XXXX XXXX XXXX procedure in case of dispute accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumers reporting agency is disputed by the consumer and the consumer notifies the agent directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable investigation to determine whether to dispute information is in accurate in records the current status of the dispute information or delete the item from the file in accordance with paragraph XXXX before the end of the 30 day period beginning on the date which the agency received the notice of the dispute from the consumers or reseller
Consumer complaint received 2022-12-05
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NV)

About the middle of XX/XX/2022 I reported my card lost. The card was cancelled and replaced. I did not activate my card on purpose because I was thinking about not using it any more - instead of mileage get cash back. Before I activated the account they let 7 charges go through. One of the charges involved an account that was doing an automatic pay ( which I did not realize ). My card was not only not activated but they allowed a charge that didn't even have my last credit card number. This is my XXXX XXXX XXXX account with Chase bank. My mail goes to a po box . 
What if an employee took that card ( not activated ) and had a ball charging. I had to negotiate with the anual charger and received a credit of over {$100.00} dollars. 

I contacted customer service and then went to a bank and a bank manager gave me contact numbers and that's how I ended up here.
Consumer complaint received 2022-09-25
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-07-29
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. (MD)

I would like to dispute a collection account with Equifax Credit Bureau. The account is listed on my Equifax credit report as N/A ( see attachment ), but on Equifax 's XXXX as XXXX XXXX XXXXXXXX - Account # XXXX. I have disputed this account with Equifax, but they are refusing to delete it even though the information being reported is incomplete and inaccurate. 

Equifax has allowed this debt to be reported on my credit report for the past 4 years without the creditor providing a date of first delinquency. 

Equifax and the creditor are in violation of Section 623 ( a ) ( 5 ) of FCRA, which says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action As I noted above, the creditor has failed since 2018, well beyond the 90 days stated in Section 623 ( a ) ( 5 ), to provide a date of delinquency. Please note the missing date of first delinquency on my Equifax account and on my credit report in the uploaded files. I've also attached proof of the date of last activity on this account, which dates back to XXXX of 2018. 

In addition, XXXX XXXX XXXX and Equifax are in violation of U.S.C. 1681 Section 604 A, which states that a consumer reporting agency must have written consent to furnish an account on my credit report. 

My rights are being violated. Please help.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (FL)

- Signed up for a SoFi Credit Card on XX/XX/2022 through XXXX XXXX where I was offered {$200.00} if I spent {$1500.00} within 3 months. I was instantly approved for the card when signing up. 
- I completed the {$1500.00} spend requirement on XX/XX/2022. 
- I chatted with SoFi support on XX/XX/2022 asking when I would be getting the bonus since I completed the terms. 
- The support agent said they would put in a ticket with the backend rewards team to see if they can check into it and I would be getting an email from them with an update. 
- I then chatted again with a SoFi support agent on XX/XX/2022 asking for an update on the ticket since I never received any email communication. 
- I was told by the support agent that I did not signup though XXXX XXXX and that I signed up through the SoFi website. I told them I 100 % did signup through XXXX XXXX and have screenshots. I then provided them the screenshots and the SoFi support agent said they would attach them to a new ticket and I would be receiving an email with an update. 
- Today ( XX/XX/2022 ) I called SoFi support and once again asked for an update on the ticket since I did not receive an email. The support agent told me the rewards team denied my request again because it shows on their end that I did not apply for XXXX XXXX. 
- I explained to the agent once again to look at the screenshots which clearly shows I signed up through a partner link ( XXXX XXXX ). 
- The agent offered for me so speak with their superior and I said yes. The " Account Manager '' then came to the phone and reconfirmed everything in the notes and told me there is not much she can do as a manager. 
- She offered to speak directly with the rewards team to get it appealed and that she would call me back between XXXX EST today ( XX/XX/2022 ). 
- The account manager XXXX called me back at XXXX and told me there's nothing they can do. She said that I got a higher tier bonus of 3 % which quite literally did not exist at the time I applied for the card. So that was clearly made up.
Consumer complaint received 2022-09-25
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. (SC)

The following accounts are not reporting properly on my credit report. Due to the inaccuracies, this is a FCRA violation and these account should be deleted immediately. 
I previous requested for these account to be investigated on XX/XX/22 and XX/XX/22. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX
Consumer complaint received 2022-08-21
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Original Debt : XXXX  XXXX Debt Collector : XXXX XXXX Account # XXXX Amount : {$1000.00}
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (DE)

I recently received an Envelope post marked XX/XX/XXXX from Citi Bank. There was no cover letter only Account Statement from XXXX XXXX. 
I filed a Written Dispute in XXXX, regarding a Purchase I made with my Home Depo Credit card totaling XXXX. I paid the deposit on XXXX and the balance on XXXX. 
It did not show up on my XX/XX/XXXX statement with closing dates XXXX. 
On my XX/XX/XXXX Account Statement it showed up as a credit for the Total amount of XXXX, but then added right back in to Purchases totaling XXXX. 
Then on my XX/XX/XXXX statement only a partial credit was apply XXXX was credited from my account leaving a balance of XXXX. 
Then in XX/XX/XXXX statement I was charged for the XX/XX/XXXX XXXX XXXX for a then showing a Balance of XXXX. 
I was informed in writing that the total purchase amount XXXX was Charged back to my Home Depo credit card account, but as the statements prove, the balance reflected that amount included in the Total amount due. 
The Account was charged off with the incorrect balance. 
This account is discharged through Bankruptcy XX/XX/XXXX.
Consumer complaint received 2022-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc. (PA)

On XX/XX/2022, I sold cryptocurrency ( " XXXX '' ) for XXXX ( United States Dollars ) in the amount of {$280.00} on the crypto.com virtual currency platform. After this transaction was complete, I attempted to withdraw my United States Dollars to my XXXX XXXX XXXX XXXX XXXX Account only to find out that the " Plaid '' app that crypto.com uses to integrate bank transfers " does not Support '' transactions for XXXX XXXX XXXX XXXX XXXX. I then contacted crypto.com customer support to request that they manually initiate an ACH transfer to my XXXX XXXXXXXX XXXX  Account since the " XXXX '' app that they use does not support my bank and they simply told me to " try a different account ''. At this point I repeatedly told various customer service representatives at crypto.com that I don't have another account and they need to initiate an ACH transfer or get me my money in some other manner and they simply repeated the same line of " try another bank account ''. Therefore, I am filing this complaint so that consumerfinance.gov can direct crypto.com to either initiate a manual ach transfer to my bank account or find another way to grant me my money. As a note, crypto.com 's documents regarding why a bank account may not be able to connect to crypto.com only list two reasons with those being 1. the bank has a New York state address and 2. the bank does not support ACH transfers. My bank is not does not have a New York XXXX address ( it has a Pennsylvania address ) and it does support ACH transfers. Therefore, no one would have any way of knowing which banks are supported and which are not before conducting financial transactions. I will attach a screenshot of this verbiage from their website for your reference.
Consumer complaint received 2020-01-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

We had an account with XXXX and we purchased ten phones for our business then their employee XXXX came to our place of business " to help us with our new phones '' which she ended up stealing. ( see police report ) XXXX later admitted to us that their employee XXXX stole about sixty phones from them and that she had a XXXX  for her XXXX. XXXX knew their employee had a previous XXXX  yet they had her work with the public and steal our phones. 
Now they are trying for me to pay for them ( see police report ).
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo provide the checking and savings accounts to XXXX and encourage people to set up a direct deposit. But no XXXX neither Wells Fargo allow any other bank to use my money for free as they do, neither they allow me to use my money that should be available to me immediately and it is not. I struggled to add XXXX account as external account to XXXX XXXX, instead XXXX keeps my money with Wells Fargo. 

On the other hand Wells Fargo denied my application for a credit card. 

I already lost up to {$1000.00} with XXXX resistance to transfer my money virtually at my request. They will keep my money on hold for a week instead of transferring immediately. Sometimes my threats to complain to CFPB helps to speed it up for next day, but not always.
Consumer complaint received 2022-06-08
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: Self Financial Inc. (IL)

On XX/XX/2022, an unauthorized hard credit inquiry was pulled on my XXXX credit report by the company : XXXX XXXX XXXX. I did not authorize this company to obtain my credit information, nor did I authorize this company to inquire for my personal credit report from any credit bureau. My credit score was impacted by this fraudulent act from this company, and I have tried to contact them with no response. The parent company that owns XXXX XXXX XXXX is : SELF FINANCIAL, INC.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

on XX/XX/2022 I sent a letter to I. C. Systems requesting debt validation for a collection account listed on my XXXX credit report by the name of XXXX XXXX XXXX for in charge in the amount of {$470.00}. i do not owe this debt and i would like it to be removed, i never received a response to my debt validation letter so i would like it removed.
Consumer complaint received 2022-12-05
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: JPMORGAN CHASE & CO. (AR)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USBC 1666B : A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose. 

I ask that all late payments on my credit report be updated to on time payment and still remain on my reports on these XXXX accounts JPMCB Auto XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-29
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)

In accordance with the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason