davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-10
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC. (IA)

Ok i was on the Income driven repayment program through Navient that i signed up for last year around mid XX/XX/XXXX. The program is suppose to cover payments for a period of 12 months and you just have to re-apply. I wa approved and required to pay {$0.00} for 12 months. I ended up having to file for bankruptcy to get a fresh start at the end of XX/XX/XXXX. I was still enrolled in the plan and was covered until XX/XX/XXXX. Navient reported me as being 90 days late which hurt my score during this process. They reported this in XX/XX/XXXX which makes no sense because it shows no negative reporting  anywhere else but that month only! They also put my loan into deferment without my consent after reporting me 90 days late. Then only about a month later they took them out of deferment ( again i had no clue all of this was occuring ) and posted i had a bill due XX/XX/XXXX for {$300.00}! I never got an email or call notifying me of  any of these changes! Luckily something told me to check and im glad i did because if i didnt they would said it was a late payment. I called to tell them that this was super unprofessional and the reason people default and tried to get back on my previous plan i was told it takes about 7-10 business days for me to receive the application in the mail ( i tried online and it tells me to call them for some weird reason ) and that when they receive it that takes about 15 business days to process it. Thats crazy because she tried to postpone my payment for only a month until i could apply for the plan which is setting me up to be late! I had to tell her that and make her extend it two months to make sure i could meet the deadline. After the call for some random reason i then received a ton of emails from them with so many different payment dates and different payments im now confused. Why does this company exist!?
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

To : Equifax and XXXX  According to the fair credit reporting act, any data being report XXXX to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. 

They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a XXXX violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly these two screenshots from Equifax show that the first day of delinquency is not being reported!. 

You better fix it or delete it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!
Consumer complaint received 2018-12-13
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. (MO)

i contacted DFAS to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.
Consumer complaint received 2022-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC (OK)

XXXX account opened on my XXXX credit report for {$5000.00} in XX/XX/XXXX. This refers to an XXXX XXXX XXXX from XXXX that was turned in and the account was closed. XXXX took over XXXX XXXX in XXXX and mishandled the accounts. There are hundreds of similar cases that were then bought by Rock Creek Capital ( RCC ) and are now being erroneously pursued by XXXX XXXX XXXXXXXX  ( XXXX  ). My vehicle was turned in early, disposed of at auction, and the account was closed. I am not responsible for this debt as it does not exist due to XXXX 's mishandling of the accounts ( which is why they are now out of business ).
Consumer complaint received 2020-03-20
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)

I AM ABSOLUTELY FURIOUS WITH EQUIFAX, I HAVE BEEN REACHING OUT TO THEM FOR OVER 1 MONTH REQUESTING REMOVAL OF THESE FRAUDULENT ACCOUNTS, THEY SAID THEY WILL REMOVE THE ACCOUNTS YET IT IS STILL REMAINING IN MY CREDIT REPORT, AFTER IT ONLY TAKES 24 HOURS TO REMOVE FRAUDULENT INQUIRIES. THEY HAVE MY FTC IDENTITY THEFT REPORT ON FILE AS WELL. I AM FURIOUS WITH THEIR CUSTOMER SERVICE. THEY HAD A DATA BREACH LEAKING OUT MILLIONS OF SOCIAL SECURITY NUMBERS AND PERSONAL INFORMATION, AND THEY HAVE THE NERVE TO TREAT CONSUMERS THIS WAY!!!!! I HAVE BEEN SO PATIENT WITH THEM BUT THIS IS GETTING RIDICULOUS ALREADY, THEIR DEPARTMENTS ANSWER THEIR PHONES AFTER 2 HOURS OF STAYING ON THE LINE, AND IM SICK AND TIRED OF CALLING AND GETTING NO RESOLUTION, I HAVE ALSO SUBMITTED FRAUDULENT DISPUTES ONLINE AND STILL HAVNT GOTTEN ANY RESOLUTION.!!!!! I HAVE LISTED THE INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX  | Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XX/XX/2020
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 — Was not notified of investigation status or results
Company: Experian Information Solutions 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 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I have written several letters in the past, but this time i decided to keep a paper trail of notarized letters demanding an investigation into why i have so many inaccurate and erroneous information about me on my credit report on XX/XX/XXXX to all the Credit Reporting Agencies, and i got only a summary of my report which was still erroneous. I wrote a second notarized letter to all three Credit Reporting Agencies demanding an investigation into these anomalies, on XX/XX/XXXX, and again XXXX, Equifax and XXXX  sent a summary of my report with the inaccurate information. Finally, i wrote all three Credit Report Agencies warning them that i will have to report to the government agency ( ies ) of their ineptitude, and their response remains the same. I checked my credit report today being XX/XX/XXXX. And the inaccuracies still appear on all my credit report with all three credit reporting agencies
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (AZ)

Axos bank is withholding XXXX from me. I have tried to pay bills and they have been declined. I tried writing a check and it was declined. My debit card no longer works. I messaged the bank and they will not help me and or give me access to my funds which I need urgently.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX Inquiry XXXX  XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ 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: Experian Information Solutions Inc. (TX)

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account no. XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX X, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account no. XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union without my knowledge or consent, withdrew funds from my savings account for a defaulted account that is over 5 years old which, in the state of Florida where I reside is past the statue of limitations. I did not agree to this or, had any knowledge of the transaction ( s ) being performed. When I phoned customer service, I was told that there was nothing they could do about it and when I asked for them to send me a copy of the original agreement that allegedly gives them authorization and/or permission to do this, I was told that " they don't do that ''.
Consumer complaint received 2021-04-12
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. (CA)

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. 
I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit, and the Police Report for this case. Please investigate these matters and block the disputed item as soon as possible.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

I signed up for a Chase IHG Rewards Club Select Credit Card which offering a free night on any hotels worldwide ( unrestricted ) after each account anniversary year. However, I just received notice from Chase in XX/XX/XXXX that the free reward night will be limited to redemption values of XXXX or fewer points. 
I signed up XX/XX/XXXX and won't get to use an unrestricted night even once, even though that's what was advertised when I signed up for the credit card.
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act 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 porting agency can not furnish a account without my written Instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act 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 porting agency can not furnish a account without my written Instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
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 status incorrect
Company: EQUIFAX, INC. (NC)

the Following accounts that is listed on my credit reports are not complying with the Metro 2 standards, this is unfair, inaccurate credit reporting and I will pursue futher actions, XXXX is showing this account deleted Equafax is not
Consumer complaint received 2018-05-10
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: Navient Solutions, LLC. (FL)

Navient has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.
Consumer complaint received 2023-03-11
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : N/A Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-25
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. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 2018-05-10
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. (MO)

On XX/XX/2017 and XX/XX/2017 credit inquiries were made without my consent. Customer service wouldnt help to remove these inquiries reporting to my credit report.
Consumer complaint received 2018-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (FM)

On XXXX I checked my credit report and found BYL COLLECTION SERVICE XXXX XXXX XXXX, XXXX XXXX, PA XXXX reported a bad debt for the amount of {$190.00} that I never herd off. This debt has never been presented to me and I don't understand why it is on my 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 — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I rented a room off this woman and she ended up stealing all my bank information stealing all my email account information even got into my phone account and got the number changed it has been applying for cards and Loans in my name while sending me and my ex harassing and threatening messages I just found out today that there was a capital one account in my name
Consumer complaint received 2023-03-04
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC. (TX)

Between XX/XX/XXXX and XX/XX/2020. AFNI, INC reported a new credit account to XXXX. The original debtor was XXXX XXXX in the amount of {$500.00}. This was an account that I believe someone else had in my name that was first reported over six years ago. It has now been illegally re-aged and is showing on my credit report as a brand new delinquency. As a result, my credit score has dropped by 19 points. I disputed the action with XXXX, but they often take many months to respond, if at all.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Reduction of a line of credit from XXXX to XXXX based on incorrect information from the credit bureau at the convenience of Brand Source of the Citi Bank that owns the card. It is unfair and I consider it fraud. Further alleges that the account is delinquent and that is the reason for the reduction
Consumer complaint received 2023-03-19
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)

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. 

Account name : XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX  XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.