davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I am writing this as a formal complaint against Equifax for not investigating and removing the errors and inaccuracies from my credit report. Equifax has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. I've never even heard of most of these companies or the inquiries attached to my report so I would like verifiable proof in the form of a signed contract that these are mine. Please see my attached disputes previously sent to Equifax and help me get these deleted from my credit report.
Consumer complaint received 2022-10-21
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: AFNI INC. (FL)

According to the Fair Credit Reporting Act, AFNI 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 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

I applied for loan forgiveness in the beginning of XXXX of XXXX. The DOE isn't counting all the payments I made prior to XX/XX/XXXXXXXX even though I've been paying since XXXX. Every month, on time. I've worked for the federal government and military since XXXX. Having worked for the Department XXXX XXXX since XXXX, I've had them properly sign my certification showing my employment. 

PLEASE HELP, this has been so aggravating ... I've made so many phone calls, written letters, emails, applied, re-applied. NOBODY HAS ADDRESSED MY ISSUE
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I am victim of identity theft. And Carter young is falsify information to collect on debt that is not mine. It is fraudulent. They have also violation of FCRA AND FDCPA by adding additional fees to alleged debt to collect. I have sent them a dispute and they sent back a letter with multiple false names which not mine and false information. This is effecting my livelihood. I demand for {$1000.00} due damages carter young caused me stress, mentally, physically, and also emotional distress with the constant calls.
Consumer complaint received 2022-04-06
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. (NC)

I have sent a letter to equifax, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from equifax or transunion. Equifax responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. There was charge off on my XXXX XXXX XXXX XXXX account. The date of first delinquency was XX/XX/XXXX. The account has not only been reaged due to them reporting a CO on several occasions after it first occurred which is illegal but been completed altered so that the CO isnt reflective. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should not be reporting at all. It is the bureaus responsibility to report accurate information.
Consumer complaint received 2022-04-06
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. (CA)

on XX/XX/22 i sent a letter to transition disputing information for names and addresses that did not belong to me I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

On Tuesday morning, XX/XX/2022, I tried XXXX  myself {$550.00} to another account of mine to pay my bills that are due. I was unable to, so I tried {$500.00}, and was unable to. Next, I tried XXXX {$1.00} and it completed and was deposited into my other account. 

I next tried to XXXX  myself {$490.00} to the same account and it didnt go through. 

But, in between me trying to XXXX myself, I had to call to get my account unlocked I also spoke with the fraud department as well, to verify and XXXXmyself. 

The third individual I spoke with. XXXX, she said that she was the accounts supervisor, She is the individual that actually restricted my accounts. I spoke with two other individuals before XXXX, and they were just as horrible as XXXX. 

So later that morning, about XXXXXXXX XXXX, I called Chase back, because I noticed that my account was still locked, and the individual I spoke with told me that my account had been restricted and the accounts were closed, so I tell him that that wouldnt be necessary because I can walk across the street to close my account. When I get there, I spoke with a couple of guys that informed me that they were not able to dispense cash and I could use the ATM. As I am sitting there, he looks up my account and tells me that my account has been restricted and I would not be able to access any of my accounts nor use my ATM card or my debit card. 

So, after my appointment I was late for, because I sat at that branch for almost two hours, I went to another branch in XXXX and the same thing. 

I left that branch and decided to call Chase again, and I spoke with one of the most XXXX individuals ever.she was the worst of the previous three individuals I spoke with. 

So, as of today, XX/XX/2022, I still do not have my monies nor has my bills been paid. I have not had a late payment on any of my bills in more than 3.5 years or more! 

When bank are allowed to steal from their account holders, this is shameful and awful. 

Thank you for your time and service.
Consumer complaint received 2022-03-10
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. (DE)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - Balance - {$7900.00} DEPT OF EDUCATION/NELN-900000XXXXXXXXX-Balance - Date opened XX/XX/XXXX DEPT OF ED/NELNET-900000XXXXXXXXX-Balance - Date opened XX/XX/XXXX DEPT OF EDUCATION/XXXX- XXXX Balance - Date opened XX/XX/XXXX XXXX
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (NC)

There is information that is on my consumer report that is a result of Identity Theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error nor is my request to block being made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. 

Fedloan Account # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thanks You
Consumer complaint received 2022-04-06
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. (FL)

I financed a car thru XXXX  XXXX and 2 years after I bougth the car I had a car acciden which resulted in total loss. My insurance paid for the car and then I had gap insurance also and paid the rest of what was owed. XXXX XXXX recived all the money and I owed XXXX but they sent the account to charge off wich I had disputed in all credit bureaus but it always comes as account verified and no change in the charge off. It is hurting my credit and need this matter to be solved.
Consumer complaint received 2022-10-21
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: CITIBANK, N.A. (WA)

Last XXXX I got a call from Macys they started charging me XXXX dollars for a items I never bought I tell them this is a fraud I never bought anything they started to investigate the dispute they took to XXXX i as going and back with phone calls or letter they doesnt accept my dispute finally I payed because this causes more stress I tell them I dont want to hold any credit cards with them they said theyre going to closed but I dont go to be allow to open any other credit card with them in the future I accepted the condition. I was going in recovery from a big XXXX. XXXX XX/XX/2022 I got a report in my bank account i was behind in some bill. I check out in the report the problem coming from Macys again I call them I tried to explain to the car I dont have any credit ca d with them and they insisted. Have one and I did a purchase for XXXX dollars supposed I did the purchase XX/XX/XXXX in XXXX XXXX XXXX. I never bought anything this person tell me Im going n dispute I ask for closed the supposed credit card have it they tell me they closed I ask to send an email with the approval of this credit card is closed they did do it. Call back after 5 hours talked again with car she tell me the last person doesnt sent it any thing because they didnt closed the credit card the second CSR she did closed the credit card send this charge to dispute but Im worry because is the third time Im having problems with Macys and this company open credit cards to my name I never got it and never used. Please I need help with this company is terrible theyre trying to charge me for some stuff I never bought. 
Thanks you for your help
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

Chase bank closed my account in XX/XX/2022 with haste because i filed fraudulent activities on my account i went into the bank twice to show my ID and social security card as told by the fraud department but to No avail chase sent a notice saying it was responsible and authorized the fraud on my account they sent a check for XXXX but kept the XXXX in my account i didnt owe them any money but they still kept the funds sent a letter saying they closing my account but wasnt reporting me so why did they close my account because they didnt do a thorough investigation i was XXXX and they were being XXXX i want my funds and an apology they sent a recent notice saying they had made the mistake and i was right there were incorrect charges on my account but my account close so how they putting a permanent credit to a closed account i didnt receive all the money in my account when it was closed
Consumer complaint received 2022-04-06
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 ACCOUNT : 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, 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 2020-06-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Was in foreclosure in XXXX. I went to court. Chase lawyers did not serve me right. Sent me a letter suggesting they can buy my house. I could not contact their lawyers. Phones at law office were never answered. Chase offers me a streamline modification. I paid 3 months mortgage. Paid final modification trial XX/XX/XXXX. I waited for papers from Chase so I can sign new modification agreement. On XX/XX/XXXX I called Chase and they said they sent to lawyers on XX/XX/XXXX and I had to return them by XX/XX/XXXX. I asked Chase to email me papers directly and I returned by XXXX the same day. I finally received the modification papers from their lawyers on XX/XX/XXXX. It seems like these papers were intentionally sent to me late so that I can go back into foreclosure. Chase needs to deal with a different law firm because this is negligence and it could cause harm to homeowners that want to keep their homes but miss the deadlines due to the Chase lawyers fault.
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL (CA)

I have tried numerous times ( twice by mail, and twice by phone ) to set up automatic payments with this lender. They told me both times it would process, leading me to miss the payment date by two three days on two occasions. The company does not have any online system or account management system, and make the lender rely on guess work to whether or not the payment would be made. I have otherwise perfect credit and refuse and dispute this company 's attempts to ruin my credit, or charge my any fees.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have made several attempts to have all the errors and inaccuracies reporting on my consumer report corrected with Equifax, but Equifax refuses to respect my privacy or abide my the federal laws in place my congress. There are still billing errors, incorrect addresses, phone numbers, names, collection accounts, and more STILL BEING REPORTED on my consumer report. Equifax has been willfully negligent in remedying my affairs and has continued to violate me and discriminate against me. My disputes with Equifax have not been investigated properly or validated. Also has violated my right to privacy 15 U.S.C 6801. This is last and final attempt to have this issue resolved. If Equifax does not honor my demand civil suit will follow. Please see attachments.
Consumer complaint received 2022-04-06
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (LA)

I XXXX Bankruptcy in XXXX XXXX ( XXXX ) and I had it dismissed. LexisNexis sent my bankruptcy dismissal to XXXX, XXXX, and XXXX I went to the courthouse here in XXXX XXXX La. I was told that the court do not sell or give out that information but it is public record. So how did the three bureaus get my information. I sent the letter that the courthouse gave me to LexisNexis after 30 days it was remove by XXXX, but the other two bureaus XXXX and XXXX still has the dismissal as a derogatory mark.
Consumer complaint received 2016-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

My payment on the loan is due tomorrow. I called to simply ask whether if I paid tomorrow, would it go through in time? Or whether I should make a payment today? The service rep did n't know so put me on hold to talk to her supervisor. She then told me that a late payment wo n't go on my credit report for 90 days so I could wait 90 days to pay. This is not at all what I asked ( which I told her ) but she encouraged me to pay late on my loan.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

There are multiple XXXX  loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATIONXXXX XXXX which accumulated over {$200000.00}
Consumer complaint received 2022-04-05
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: CBC Companies, Inc. (OH)

I have not received any confirmation on how you verified the alleged account attached in Exhibit C therefore request that you consider this final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (GA)

Ive paid Marcus by Goldman Sachs Bank US for a loan amount that I owed. The bank hired XXXX XXXX XXXX XXXX  to collect the XXXX. I negotiated a payoff in the amount of XXXX and paid the balance in two payments. Payment one was on XX/XX/21 in the amount of XXXX and the second on XX/XX/21 in the amount of XXXX. Ive contacted both XXXX and Marcus by Goldman Sachs and they have both been no help. I have a paid off balance letter from XXXX and Marcus By Goldman Sachs says they do not have it and I still owe the balance. The two companies will not speak to each other as Ive tried everything as a consumer to get this fixed. Goldman has no way of contacting XXXX to get this updated. They have been reporting that I still owe a balance and reporting me late every month for something I do not owe.
Consumer complaint received 2022-10-21
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. (KY)

Title 31u.s.c.sec,3123 all debts are UINITED STATES obligations.. H.J.R.192 THERE IS NO RESON I SHOULD BE LATE OR HAVE MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON..IVE NEVER WROTE TO ANY CREDIT REPORTING COMPANY GIVING THEM MY PERMISSION TO REPORT ANY INFORMATION. I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT .. AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP..
Consumer complaint received 2022-10-21
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. (MI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Post Lake Lending Inc. (CO)

Keep getting emails and phone calls to get a loan or claiming I have applied for a loan. I have not applied and have explained this to them but they continue to call and send emails several times a day. The companies is XXXX XXXX lending, phone numbers XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. They are now saying I applied through a third party company. I have not applied for any loan.