davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I disputed inaccurate reporting by XXXX Student Loan on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX Student Loan has sold the debt numerous times and at the same time continued to report the debt under XXXX Student Loan SLC. I contacted the company XXXX Student Loan is using called XXXX XXXX XXXX in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX Loans. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX Student Loan and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX Student Loan has that showed I did not pay these loans in full. I received a letter from XXXX XXXX XXXX stating that XXXX Student Loan investigation response is that I still owe the loan amount and XXXX XXXX XXXX would continue to report on my credit the amount outstanding under XXXX Student Loan name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX Student Loan has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX Student Loans on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX Student Loan has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX Student Loan and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX Student Loan and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX Student Loan I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX Student Loan and its Creditors is something they have yet to provide me.
Consumer complaint received 2021-01-17
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. (NV)

Over the past few months I've filed numerous disputes with Equifax to remove an unknown / fraudulent address I have no connection to. All of the disputes have been ruled in my favor and were to be deleted. To date it has not. And even after calling to inquire why the address hasn't be deleted everyone I talked to stated the report would be updated in 24 hours. Also I requested a 'consumer statement ' about this address be deleted which wasn't done either.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MD)

Chase Bank sent me an invitation for a credit card offer. I completed the application, I received an adverse action communication immediately. I called Chase Bank to speak with someone from the reconsideration dept ; the representative stated I needed to call XXXX to have them add a phone number to my account to verify my identity or go into a branch to show 2 forms of identity, called XXXX completed the action item XXXX said it would take 72 hrs to appear. I went into the branch of Chase bank to show my 2 forms of ID to a banker ; she called the reconsideration line to confirm my identity once that was completed, I was put on a bank phone to speak with a representative who asked me several questions about my consumer report. I was then place on hold, she returned to advise that I was denied, actually discriminated against based on ; collections, balances on other account and late payments on my consumer reporting agency. 

My rights have been violated because credit is the right granted in good faith 15 USC 1602 ( f ). The adverse action Per FDCPA is to the interest of the consumer because I came with the credit. Additionally, per the Congressional finds Chase Bank has deceived, abused, invaded my privacy and coersion. I the natural person have abundant evident to prove my what has occurred ; in addition to evidence, Chase Bank is in violation of a number of United States Codes such as ; 18 USC 1029 e ( 1 ), 15 USC 1691 ( EOCA ), 15 USC 1602 ( F ).
Consumer complaint received 2019-05-28
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. (TX)

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 see 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. 
XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX,
Consumer complaint received 2021-01-17
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. (NY)

ON XX/XX/2021 my credit scre dropped over 34 points from XXXX and equifax. A couple weeks earlier it had dropped 10 points. All for no reason. I believe your problem is with the algorithms programmed in your system. These algorithms only account for half of the calculation. They show how much credit you have used in a month but fail to show that I have XXXX  out the balance when the statements are due. As of today my credit card balances are all XXXX.
Consumer complaint received 2021-01-17
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Cars Financial, Inc (VA)

XX/XX/XXXX I was approved for a XXXX XXXX XXXX through cars finicial inc division of shelor motor mile inc I traded a XXXX XXXX XXXX and then XXXX down I been makeing my payments on time for a year never been late I was told by cars financial that they would report to XXXX XXXX and XXXX  they never did I ask for a vehicle report never got one I was never told the XXXX XXXX XXXX had manufactured warranty still on it also the car was totaled XX/XX/XXXX I was hit from behind XXXX insurance did run a credit report showing shelor motor mile inc and cars financial sold me a repo this car was a repo they did from another customer come to find out shelor did not auction the car off they told the other customers they did this what was left on it to be paid instead of auctions off they just put it back on there lot re selling it through cars financial in other words they committed fraud to the other customer that XXXX XXXX was never auctioned off that is takeing money with intent to defraud I was coned into buying it to hide there crime
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (FL)

I HAVE RECEIVED A LETTER FROM CHASE BANK ABOUT A TENTATIVE TO APPLY FOR DEBIT & CREDIT CARD USING MY PERSONAL INFORMATION. 
I ALSO USE XXXX, WHICH HAD SOME FRAUD ALERTS. 
I AM WORRIED MY IDENTITY IS BEEN USED TO GET CREDIT CARDS & CHECKS UNDER MY NAME. 
I WOULD LIKE TO ADD AN ALERT TO PREVED ANY USAGE OF MY INFORMATION.
Consumer complaint received 2021-01-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (WI)

I have received 4 calls and 3 voicemails from XXXX, the first was on XXXX XXXX, XX/XX/2021, after upon listening to the voicemail, I blocked the number and deleted the voicemail. I received calls from same number on XX/XX/2021, XX/XX/2021, XX/XX/2021. I got 2 more voicemails, which are all the same and sound a little like a recording, maybe? 

The caller, a male, talks in a muffled voice, he says : " This is an important message from Pioneer Credit Recovery Incorporated. This is XXXX XXXX. The law requires I notify you. I'm calling from a debt collection company. This is also an attempt to collect a debt. Any information obtained will be used for that purpose. I'm calling today on behalf of XXXX. Please call me back when you get this message to XXXX and when calling use reference number XXXX. '' The Caller ID comes up with PCR INC. from XXXX, NY. 

I have not responded to any of the calls, but I'm getting really annoyed with them. I know I have no debts and I know this is a fake or scam call. I always ignore scam calls and block them. I have never received voicemails like this before.
Consumer complaint received 2022-09-28
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. (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. 

XXXX XXXX # account number XXXX has violated my rights. 

XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

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 account # XXXX. 

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 XXXX 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 2022-10-21
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (NJ)

Dear Consumer Financial Protection Bureau. I am filing a third complaint concerning the previous complaint below. 

Good afternoon, Consumer Financial Protection Bureau. Thank you for our phone consultation and expressing to file another complaint. Below is the initial complaint that was filed : Wisely Pay has a feature called preauthorization hold that's automatic. I am seeking for Wisely Pay to please stop having this feature applied. There are declines when there are sufficient funds because of this. These transactions are not out of the U.S. There is a transaction that was disputed. I filed a claim within the timeframe. I expressed that the transaction was not authorized. Wisely Pay had not resolved the issue or proceeded with the claim when it was requested in writing for Wisely Pay to do so. Per our phone consultation, I am refiling the same complaint because Wisely Pay had not followed their protocol. The protocol is to present what Wisely Pay had utilized to make its determination. Wisely Pay had not presented to the consumer what was utilized when responding to the complaint. This was requested in-writing. 

Response : STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for your inquiry and for allowing us the opportunity to address your concerns. Unfortunately, we were unable to speak to you directly by phone or leave a voice message regarding the details of your complaint. Our records indicate you called on XX/XX/2022, to initiate a dispute claim for three transactions totaling {$150.00}. Our investigation began immediately after the transactions were reported. On XX/XX/2022, our investigation finalized determining that no error had occurred. Upon the receipt of your recent inquiry, your claim was reopened, and the merchants provided us with sufficient evidence deeming the transactions as valid and the investigation finalized. We mailed you the compelling evidence on XX/XX/2022. If you have any questions regarding the transactions, we advise you reach out directly to the merchant for further assistance. We apologize we have not been able to deliver the resolution desired. 

The merchant was contacted ; I had inquired on the investigation that was conducted. I was shared that all the information contained was that the transaction was disputed. In addition, the email provided " XXXX XXXX will work directly with them moving forward '' leads me to believe that there was nothing conducted between the bank and the merchant. I was directed back to the bank concerning this. Also, there is nothing from Wisely Pay upon inspection of the address listed on the account. Please review their most recent email. I am not being told the truth and am filing a third complaint. Concerning this, there will be attempts to contact Wisely Pay directly. In addition, another Wisely Pay card was ordered. Wisely Pay is experiencing technical difficulties.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NC)

I received in the mail a debit card from Chase Bank, attached to a checking and savings account that I DID NOT open! I called the bank and talked to 3 different people and gave each of them my personal information. Someone indeed just recently opened those accounts but they wouldnt give me any information.I gave them the debit card number that was sent to me and was told to shred the card. I decided to put it all in my safe in case I needed it for evidence at a later time! Chase bank told me as long as that card is not activated that account can not be used. I was given numbers to XXXX, XXXX, and XXXX. I contacted XXXX and was asked a ton of questions about personal banking information like ; who do I have a car payment with and how much is my payment, what mortgages do I have, who are they with and how much! I went to my online banking and answered correctly the questions asked and at the end of our conversation was told that I couldnt be identified by my answers!!!! Im worried that someone had managed to get access of my personal information and use it for their benefit and lock me out!!!! XXXX told me to fax them a copy of my social security card, my drivers license, and other statements and questions! I am actually AFRAID TO DO THAT!!!! Im not sure if Chase was scamming me and gave me wrong numbers to the 3 credit bureaus!!! Right now I am extremely paranoid!!!!! Could you please advise me what else I need to do? Thank you Im advance!
Consumer complaint received 2022-08-23
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: DigniFi (CA)

On XX/XX/2022, I received an alert from XXXX that my XXXX XXXX has a negative change. When I looked into my Experian account I saw that a credit line I had never heard of had been opened in my name and was past due on payments. The creditor is XXXXDignifi , and when I contacted them I was told that I had opened the account in XXXX of 2022 and was past due on payments as of XX/XX/XXXX. I disputed that this was my account and they immediately closed the account to and said they were sending me paperwork about further disputing the fraud ( which has not yet happened ). XXXX also followed up with the company but did not resolve the issue or remove the negative account from my credit report. I also opened a police report with the XXXX XXXX police department on XX/XX/2022 ( report XXXX ). Also, while this dispute with XXXX was ongoing, someone hacked my XXXX account and changed all my personal information : email address, phone number, password, security question, etc. I believe I have resolved this with XXXX but it's clear someone had created a fraudulent account in my name and then tried to hide it from me. If it helps at all, the phone number that was entered in the XXXX system and which is not mine is XXXX.
Consumer complaint received 2022-09-28
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. (NV)

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 U.S.C 1681. 

The following accounts have violated my rights. 

Account name : XXXX XXXX XXXX 
Account numberXXXX Open balance : {$450.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX : {$750.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX Phone XXXX XXXX Account XXXX : XXXX XXXX Account XXXX Open balance : {$330.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Phone : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : 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 make any consumer report containing any of the following items of information any other adverse items of information, other than the records of convictions of crimes which antedates the report by more than XXXX 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 an accurate.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this report against XXXX XXXX XXXX XXXX because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are XXXX XXXX and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.
Consumer complaint received 2022-12-10
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 XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 2021-01-17
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-09-28
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)

Inquiries 15 U.S code 1681n XXXX of pulls Collections, Charge offs, auto loans, student loans, credit cards : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Medical bill : You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Action to put underneath each item : 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 The Following Must Be Deleted ASAP!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX