davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK (AZ)

I sent XXXX XXXX to Discover Secured credit card to establish credit. They Never opened me an account and claimed they could not verify my information and took my XXXX for 3 months before giving it back in the form of a check. They are reporting a closed account that they never opened. I have challenged this on my credit report as it is impacting my report negatively.This was done to my husband as well.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED COMMUNITY BANK (GA)

received a call from the phone number of my bank, United Community Bank, Treasury XXXX XXXX ; XXXX. Person identified himself as calling from UCB concerning possible fradulant charges on my debit card. asked me about purchases at a XXXX and XXXX  Read a security statement and advised that the call was being monitored for security purposes. First wanted to know what my online banking ID number was. 
I have been scamed out of {$4000.00}. on my XXXX card ( they removed all charges of this and changed my credit card number ) and an attempt to fraud from XXXX XXXX and from XXXX. Both of these were avoided. So I am very aware of scams. 

I gave him an incorrect ID number and he advised that was not correct and I gave him another one that was not correct. while I was doing this I went online and changed my ID and password as I was speaking to him. I advised him that he was trying to scam me and he was a theft. The first call was on XX/XX/2022 at XXXX XXXX XXXX, and on XX/XX/2022 at XXXX XXXX XXXX 

When I called back the number of XXXX, it did direct me to the actual office of UBC Treasury XXXX XXXX XXXX. 

I did call into the online banking service office and the UBC Treasury XXXX XXXX office and advised both of these what had happened. They checked my account and confirmed that my account had not been breached. 

Apparently there is nothing that can be done with people spoofing their phone number and they did advise me that they would not call on the phone about charges. They would first contact me about contacting them about suspecious charges either by text or email. United Community Bank was very helpful. 

What can be done about spoofing your banks phone number?
Consumer complaint received 2022-08-02
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. (VA)

This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-09-29
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-29
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: Marlette Funding, LLC (AL)

1. I contacted XXXX XXXX on several occasions to have the fraudulent inquiry removed from my credit profile. XXXX XXXX refuses to remove the fraudulent information. I provided them with a letter stating that the XXXX XXXX inquiry made to Best Egg / Marlette Funding was deemed fraudulent. XXXX responded by sending me an Explanation Of Inquiry letter. 
2. Best Egg / Marlette Funding failed to request removal of fraudulent information.
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (SC)

The company just put something on my credit report that I didn't know anything about haven't heard anything about this debt and when I tried to contact the original owner of the XXXX they have sold their business and merge with another so they no longer had any of the information to give me
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

I took an Auto loan from Chase Auto for approximately XXXX, *** dollars for XXXX XXXX XXXX  on the XXXX of XX/XX/2022. 

After that, I paid them approximately XXXX dollars bringing my principal down to the amount XXXX, ***. 
Looking at the higher interest rate charged by Chase auto at 3.99 %, I refinanced my loan with XXXX at 1.49 % on XXXX XX/XX/2022. 

After that XXXX sent the check for the payoff amount {$46000.00} to Chase Auto to close my account. On XXXX XXXX chase auto received my check and closed my account stated as paid in full. 

I continued paying XXXX, my monthly installments. 

On XXXX XXXX, I received a call from JP Morgan chase that I have not been paying my installments. After the confusion, I filed a complaint with XXXX. XXXX from the Executive branch was assigned to my case and he confirmed that Chase did a mistake on XXXX XXXX and sent the check back to XXXX without informing me and they did not realize that until XXXX XXXX that they have sent the check back. 

After that, I informed XXXX about it, and they started the process of canceling my loan affecting my credit score. 

Now, my loan is back to Chase Auto and I am liable to pay higher interest again. why? because chase auto did a mistake? 
I was willing to live with it, and paid them XXXX $ as the last 4 months ' payment and charged me XXXX $ interest for that amount, and deducted the least amount from my principal. 

I want chase Auto to match my interest rate of 1.49 % and also to fix the interest they charged me for the last 4 payments. 
Everything is caused by Chase Auto here, alot of confusion, wishy washy answers and trying to hide whatever they can.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ADP Inc. (CA)

Automatic Data Processing ( ADP , LLC ), XXXX, XXXX and XXXX has violated my consumer rights In Accordance With U.S.C 15 1681. Also ; The Gramm Leach Bliley Act. There is a need to insure that consumer reporting agencies such ADP , LLC and other CRA 's adopt reasonable procedures for meeting the needs of consumers for consumer credit, personnel insurance and other information in a manner which is " Fair and Equitable '' to the consumer with regard to the confidentiality, accuracy relevancy and proper utilization of such information rather than use my information as a potential investment. Instead, ADP , LLC has been compiling files of information about me and also stating that my report has been verified. Please provide documentation of this verification that you have first hand information gleaned from my friends, family and known associates as required by law. Transactions are being sold to third parties without my explicit written or oral consent knowing that such information is supposed to represent me. This is Identity Theft by creating a profile of who I am, my credit worthiness and credit reputation. 
REF : XXXX. ADP , LLC and the CRA 's have a grave responsibility to respect my privacy, as I have the Right to not have my private property information to be reported with any financial institution, any bank or company. The Consumer reporting agencies are not appointed by congress. Therefore, their company policies do not super cede the law or my Rights. ADP , LLC and the CRA 's are in violation of my Non public private information because they have an obligation to respect the privacy of it's customers and to protect the security and confidentiality of the consumers non public private information. I did not specifically provide explicit written or verbal permission for this company to gain and have access to my non public private information with a non affiliated third parties. Furthermore, ADP , LLC or XXXX, XXXX or XXXX did not provide clearly and conspicuously ; disclosure to myself the consumer in writing or electronic form by the regulations prescribed under section USC 15 6804 or 15 USC 1681 ( k ) that I had a non disclosure option to opt out of any negative items on my report.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (IL)

This company paypal emailed me that my card is expiring on XX/XX/XXXX. They sent this email to me on XX/XX/XXXX told me it should be there in 7 to 10 days. Never received a card right till this day. And I also had to remove all the funds off my card I felt kind of funny after it never came in the mail. So i asked them to close this account up XX/XX/XXXX I have as them 2 or 3 times to closed this account up an the only lie they tell me there working on it in and message and as i check everyday this account is still open in my name no funds in the account and i have no card from them. And they tell you to call this number if you want to close your account no one answer the phone records hangs up on you as if your call is not important. And you no if my card expired on the XX/XX/XXXX why would you lied and say you mailed it on XX/XX/XXXX and you got on here you mailed it out XX/XX/XXXX and still not received.
Consumer complaint received 2022-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (KY)

I submitted to XXXX 3 occasions since XX/XX/XXXX and they stated DEPARTMENT OF EDUCATION WILL NOT GIVEN decision on approval of my payments under limited waiver from XXXX to XXXX despite approved as a non-profit organization ( MY LOANS WERE NOT CONSOLIDATED AT THIS TIME and I did not make full payments but tried ). 

I requested under limitd waiver these dates count from XXXX to XXXX as limited waiver CARES ACT approved attempted payments even if not consolidated. 

I made a complaint XX/XX/XXXX ( XXXX ID ) and was told DEPT OF EDUCATION has not decided since XX/XX/XXXX. TWO YEARS AGO!!!. 

I have requested MOHELA to contact DEPT of education regarding this as XXXX transferred my loan to Mohela. MOHELA will not respond and asks to call them. I requested responses in writing as chronic documentation as XXXX consistently did not honor verbal conversations. MOHELA has not processed any documents since XX/XX/XXXX.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I submitted a complaint last XX/XX/XXXX to remove these items, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2022-09-29
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. (AL)

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 XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX SE 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/consent. 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.
Consumer complaint received 2022-12-13
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: Paypal Holdings, Inc (MS)

I received a text thanking me for a XXXX purchase of {$640.00}. I do not have an active XXXX account. Text came from XXXX. Call number to follow up is XXXX. I did not call.
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 — Their investigation did not fix an error on your report
Company: C/C Financial (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

Proffered Lease, XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, XXXX XXXX, XXXX XXXX & Preferred Lease remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
Consumer complaint received 2022-09-29
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. (NY)

n accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-09-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (AZ)

I first called Discover on XXXX XX/XX/2022. After talking to several individuals I was told a audit request was filed. I received a phone call on XX/XX/2022 and the Individual told me the account wqas credited with additional interest. I called back several times, ( don't remember all the dates ), spoke with several individuals including a supervisor names XXXX. He informed me that the paperwork required to perform all for audits were submitted and he would personally keep track of it and call me the next day. It has been well over a month and XXXX has not called me back and no audits were performed. I wrote a letter to the President/CEO of Discover on XXXX XX/XX/2022. To this date I have not received a reply. I have a total of XXXX XXXX XXXX all five were active during the same time frame with only one was corrected. If one account had a problem, which was indicated with my receiving additional interest, it stands to reason that the other 4 accounts have the same problem.
Consumer complaint received 2022-09-29
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)

Further investigation reveals that Equifax will supply requested reports to creditors, but only if date of birth omitted from consumer data in report request. 

Obviously this is preposterous, impractical and illegal.
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C (KY)

I recieved a wage garnishment from a company called XXXX XXXX XXXX but I never even recieved any documentation on this debt. The debt has not been validated and I never even recieved court documentation to allow wage garnishment. I called the company and they told me the creditor is XXXX, a company Ive never heard of, and they gave me the phone number to that creditor and when I called that creditor, multiple times, the prerecorded message states they are XXXX  but when someone answers the phone they are denying they are XXXX  and denying any affiliation with XXXX. I feel like this is fraud and I dont want my money going somewhere I dont even know that Ive never even heard of or that I dont owe a debt to and to a place that says they arent even the creditor that was told they were. They are also calling my phone before XXXX  XXXX  every single day and every single day while I am at work. I want it to stop!
Consumer complaint received 2022-08-02
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. (VA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX