davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (MI)

I was awarded more financial aid than my credit score would qualify me for. I had to take out school loans just to cover the required books and class requirements. The interest alone has added XXXX to the balance. I feel like it was predatory lending. My income verification should have shown I could not afford the payments. I can not afford a house and I'm XXXX XXXX XXXX. The education I received did not educate me enough for the debt incurred. The classes I took I have used to gain employment. {XXXX} per hour. Not near worth XXXX for online certifications. I wish I could buy a home.
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: Experian Information Solutions Inc. (NY)

There seems to be an error on my consumer report furnished by XXXX  XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX  XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX  XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been submitting multiple letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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. (DE)

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 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 section2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-25
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  XXXX Balance : {$490.00}
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX I attempted to enroll for a one week trial of Equifax for my credit reports for one dollar. The process did not work out online and I was told to call an agent. I spoke with an agent who advised me the service cost {$19.00} but I confirmed multiple times that I was only being billed one dollar for the week trial first. I spoke to a supervisor on XX/XX/XXXX and gave them this information. The agent on XX/XX/XXXX had sent me an email saying I was being billed {$19.00} that I did not open and I was informed about today by the supervisor. The supervisor says that because I was sent that email he can not refund the {$19.00}. I stressed to him repeatedly but I never agreed to pay {$19.00} and that I confirmed with the agent multiple times that I only needed to pay XXXX XXXX  now and {$19.00} if I didnt cancel within a week. The supervisor refused to listen to a recording of the interaction that would have confirmed my statements. The supervisor refused to refund the money that was effectively stolen from me. I demand a lot more trust out of our credit reporting agencies.
Consumer complaint received 2020-06-18
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. (AL)

I HAVE A COLLECTION ACCOUNT ON MY CRDIT REPORTS FROM A COMPANY NAMED XXXX XXXX, I AHVE EVER HAD ANY TYPE OF ACCOUNT WITH THSI COMPANY, THIS COMPANY VIOLOATES ALL OF ANY PERSONS HIPAA RIGHTS BY REPORTING TO THE CREDIT BUREAUS.,
Consumer complaint received 2022-07-25
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$890.00}
Consumer complaint received 2023-03-08
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)

Per the law negative accounts should be removed after 7 years. XXXX XXXX XXXX  has since removed accounts from selective bureaus but continues to makes updates, and change information in an attempt to lengthen the amount of time they are legally able to report to the bureaus. They have continued to report inaccurate information and manipulate the data in their favor. Photo proof of how the report different information to different bureaus and that the account had been removed from two bureaus but continues to be updated with false information on the 3rd. They also updated the balance from {$0.00} to {$500.00}. Theyve broken multiple laws including the continuos reporting of a charge off of XXXX times.
Consumer complaint received 2018-10-23
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: EQUIFAX, INC. (TN)

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Consumer complaint received 2022-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

This is a formal complaint against Capital One located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

The Fair Credit Reporting Act ( FCRA ) mandates that all information contained in credit agency reports be checked for accuracy. I have requested that they verify a bankruptcy that is shown in my credit file as well as the source that is providing the information about the bankruptcy. I requested this over 90 days ago via USPS and have yet to receive a response.
Consumer complaint received 2022-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the XXXX is yet to respond to my letters. The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX {$280.00}
Consumer complaint received 2017-06-19
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)

My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.
Consumer complaint received 2018-10-23
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 — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC (NJ)

On XX/XX/16 an inquiry was made by " Quicken Loans '' on my credit report. I do not recall making this credit inquiry, however after contacting Quicken Loans and asking for verification, they stated via email that the inquiry was made online through a third party lender they use known as " Rocket Loans ''. A subsequent request by me asking them to verify the inquiry by providing a copy of the application was denied. They stated in response to my request for verification " I apologize we will not be providing any additional documentation regarding this inquiry. All transcripts/ screen shots of the web session are proprietary to Quicken Loans and a part of our business records. '' I have verified my identity with them through my date of birth and SSN and still they will not provide me with verification of this inquiry. 

The point of contact who denied my multiple requests for verification was XXXX XXXX. The initial letter requesting verification was sent certified mail, I then received all subsequent communication via e-mail.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Four separate deposits were made in various amounts. 1 of the checks was returned to the maker and 3 were cleared into the account but because of the returned check, the account was closed. The checks were deposited and cleared XX/XX/2022 but have not been issued out to me as of XX/XX/2022. I've been given incorrect information nearly every time I've reached out to the institution about how to get these funds sent to me. I've been told to provide proof of deposit from the bank the money was pulled from despite the checks coming from a third party. I've been told to provide documentation that has the third party 's signature and a copy of the government identification as proof of the funds being cleared. I've been told that the check has been mailed out and would reach me by a certain time just to call back when the check didn't arrive and be told that I was given incorrect information and still have not satisfied their need for proof. It's been over a month with no straight answers or ways of resolving how to get access to my money. I don't know what else to do.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

It is disappointing seeing the Credit Bureaus do their best at nothing to correct my XXXX file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA XXXX ( XXXX U.S.C. XXXX ), the XXXX XXXX XXXX XXXX XXXX to remove any accounts and information not later than XXXX business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXX XXXX, XXXX XXXX Balance {$83.00}
Consumer complaint received 2022-07-25
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. (GA)

On XX/XX/2022 I briefly went over my credit report. I see a lot of unauthorized things reporting on my credit report. I recently had everything stolen from me. I filed a police report, and the documents is in the attachments. FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) THE CREDIT BUREAUS YOU MUST FOLLOW THE LAWS.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, Equifax and XXXX are require to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Olson Associates PC (UT)

Back around XXXX of 2019 I had XXXX, no insurance at the time. About a year ago that debt was sold to a different company and they started saying that they were sueing me. No warning They didnt hand me papers but they handed to one of my roommates I then tried to work with them and they continued to add fees we settled with my first payment and they told me they wouldnt add any interest or fees and I continued to make payments I think I may have missed a month or two of no payments and I believe they just added more fees and interest they are being really aggressive and they are trying every way possible to get more money out of me. Its not fair I have a lot going on Im not rich Im poor I have a low income job with a lot of bills
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (VA)

i have attempted several times over the last 7 years to have the account listed as " XXXX XXXX XXXX " removed from my credit report as it was opened under fraudulent activities however Experian is still reporting it on my account.