davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NV)

For the past several months I have been trying to get Equifax to address an issue I have on my credit report regarding XXXX XXXX. In short, XXXX XXXX has been willfully and falsely reporting the date of a judgment against me. In XXXX, we entered Bankruptcy. We have been advised that XXXX had filed a complaint against us in XXXX of XXXX. Our attorney advised XXXX that we were entering into Bankruptcy and that our bankruptcy would be filed on XXXX XXXX, XXXX. XXXX continued to pursue legal action and were awarded a judgment against me on XXXX XXXX, XXXX - They did not advise the judge that they were aware that the account had been included in the bankruptcy which was recorded two days earlier. Further, XXXX then began reporting to the credit reporting agencies that the date of the judgment was XXXX XXXX, XXXX NOT THE ACTUAL DATE of XXXX XXXX, XXXX. 
After 3 different requests for an investigation - Equifax finally " reinvestigated '' the account and much to my amazement came back and reported a PUBLIC RECORD DATE OF # XXXX ( Civil Judgment ) as being XXXX OF XXXX! I was alerted to a drop in my Equfax score by more than XXXX points and when I check my file a NEW PUBLIC RECORD ( reporting the same case number as # XXXX ) has been update to a disposition date of XXXX XXXX, XXXX! 
I am completely baffled as to how Equifax could be so inaccurate on this information. To compound this problem - I work for a Police Agency who uses credit scores as a means of determining an employee 's " fitness for duty '' - Their inaccurate information is now endangering my ability to maintain my position. This needs to be fixed and needs to be fix immediately. I have reached out to Equifax via phone and correspondence and have been advised - They will look into it!
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I am a XXXX veteran who has been the victim of ID theft numerous times. I have sent Equifax several valid police reports asking them to remove and or block fraud accounts on my Equifax credit report. they will not do anything to address this issue. I am in the process of filing a lawsuit against them for failure to comply with the law. I wish this matter to be resolved prior to having to go this route. Equifax also will not update my credit file to reflect the correct information that should be reporting. The following accounts are still listed and are fraud and need to be removed ASAP. 
XXXX
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft and have filed fraud alerts and Equifax refuses to provide me with a copy of my credit history file. Their website tells me they ca n't process and that I need to contact their automated phone system. That system tells me I need to call them on the customer service number listed on my recent file -- however I have not received any recent file and I do not have that number. I am entitled to my file and they are disregarding my rights. Obviously the have no respect for my rights.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

Sent in dispute to Equifax that my loan was paid off and that XXXX loan was off my records as well as XXXX, still have n't seen a correction of my score or fix as well as my credit keeps getting ran under both bereaus and my score keeps getting lowered causing me not to be able to afford another nice car and or get into my own house. 
It has ruined my chances of a loan cause people ask if it 's a repossession or a paid of repossession, and it 's not the account was paid off in full after being totalled by me. Has n't been corrected with the bereaus
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Green Square Company LLC. (WI)

I have gotten several calls from someone representing themselves as PRG. They claim that I wrote bad checks for a payday loan I did not take out and then claim that I never attempted to pay a company back, and threaten to serve me with papers if I do not pay them. They refuse to give me any information on this supposed debt or send me anything in writing, they just ask to conform my social security number and banking information.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ND)

I have unauthorized and fraudulent inquiries and addresses listed on my Equifax credit report that do not belong to me. The following inquiries are fraudulent and unauthorized : XXXX XXXX Bank, XXXX/XXXX/2016, XXXX Bank, XXXX/XXXX/2016, the following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2021-05-18
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: CITIBANK, N.A. (TX)

On XX/XX/2021. My XXXX  credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with XXXX, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

I have written Equifax several times, yet every time my loan officer pulls my credit report it still reads the same. The creditor name is " N/A ''. This is not accurate, not verifiable, and therefore illegal in reporting. They have always done this and I keep wriring them to point out and then they tell me who the creditor is. As they have had multiple opportunities to fix this mistake and refuse to change their ways I demand this be removed! 
You will see in what I attach all the "??? '' where I do not have a creditor name to write down! 

The account number showing is XXXX for {$1000.00}. I have no idea what this is!
Consumer complaint received 2022-10-01
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)

In accordance with the XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, and Dept XXXX XXXX acct 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 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

I have tried multiple times to get Equifax to remove/correct certain accounts that are reporting on my credit report and each time they have failed to follow the FCRA or the FCBA. They have for months now violated my consumer rights and have not provided me with a proper method of verification nor have they corrected the status of the accounts i disputed. Each time I asked equifax to either correct it or delete and all I get is an automated response back with no changes. below are the accounts that are not resolved. 

XXXX XXXX XXXX XXXX # XXXX - this account is paid and closed but is reporting incorrect payment history. 

XXXX # XXXX - this account is charged off yet is reporting a balance which is a violation of the FCRA and FCBA. This account needs to be removed. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off yet still reporting a blance. I have tried many times to have this corrected and Equifax does nothing. 

XXXX # XXXX - this is a charged off account yet again reporting a balance. Equifax did nothing again to resolve this.
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (NE)

I 've had XXXX private student loans through Sallie Mae since XX/XX/2011, and had my checking account linked to my Sallie Mae account for automatic withdrawal each month. Sallie Mae 's system, however, refused to charge my bank account each month and therefore by the time I noticed my payment was late, Sallie Mae forced me to pay late fees each time. When I would call Sallie Mae 's customer service to speak with a representative, I was either hung up on multiple times or transferred to incorrect departments. 

When my income dropped drastically, I was forced into forbearance instead of adjusting my month payments. Even when I did pay the {$100.00} forbearance fee, I was called daily by their collections line stating that my payments were late. 

I feel like Sallie Mae has failed me at every step of the way. They were never willing to work with my situation and made my jump through unnecessary hoops to even begin problem solving.
Consumer complaint received 2016-05-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: STERLING JEWELERS, INC. (FL)

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. The name of the credit card account was Kay Jewelers who already closed my account on XX/XX/XXXX as charged off and tried to get paid again by putting me in collection.
Consumer complaint received 2023-01-31
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: ALLY FINANCIAL INC. (MA)

Ally Financial ( hereby referred to as Ally ) has violated my federally protected consumer rights by illegally reporting my nonpublic personal information ( The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution ) to non-affiliated third parties ( XXXX, XXXX, XXXX ) they are in violation Pursuant to 12 CFR 1016.10 Limits on disclosure of nonpublic personal information to nonaffiliated third parties ( a ) ( 1 ) ( i ) ( ii ) ( iii ) and ( 3 ) and ( b ) ( 1 ) and ( 2 ) and 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods et seq, 15 USC 1681a Definitions ; rules of construction ( 2 ) ( a ) ( 1 ), and 15 USC 1681b Permissible purposes of consumer reports ( a ) ( 2 ).

Ally does not meet the requirements to report nonpublic personal information as defined by 12 CFR 1016.13 et seq, 1016.14, et seq and 1016.15 et seq Which are in accordance with 15 USC 6801 et seq, 6802 et seq, 6803 et seq by reporting to these non affiliated third parties without my written consent or without providing me a notice to opt out even after receiving notification of the aforementioned violations and others on XX/XX/2023 by certified mail # XXXX XXXX XXXX XXXX XXXX. 
No where in the Retail installment sale contract does it state that Ally may report anything to these non affiliated 3rd parties. 
Ally has also violated Truth-in Lending Act pursuant to 12 CFR 1026.4 Finance Charge ( a ), 12 CFR 360.6 Treatment of financial assets transferred in connection with a securitization or participation ( a ) ( 2 ) et seq, since the inception of the account which is defined under 12 CFR 1002.2 et seq as an extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth-in-Lending 12 CFR 1026.2 which they were also notified of on XX/XX/2023 as of today XX/XX/2023 Ally has not corrected the situation which constitutes a Breach of fiduciary duty for failing to exercise care in carrying out duties pursuant to UCC 3-307 and 15 U.S.C. 1681n - Civil liability for willful noncompliance. 
Ally has failed miserably to protect my nonpublic personal information on seven ( 7 ) separate occasions and has done damage to my credit on seven ( 7 ) separate occasions and failed to send notice to opt out on seven ( 7 ) separate occasions this has caused me unnecessary mental stress with their refusal to correct the aforementioned violations and identity theft, that shows a blatant disregard for the laws and my right to privacy which should have been protected at all costs by Ally and not sold to these non-affiliated third parties.
Consumer complaint received 2015-05-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Capital Accounts, LLC (TX)

I 've repeatedly asked to have a letter sent showing the debt and the resolution me disputing the item. I have gotten neither. Per the prom note I signed I paid the debt before it went to collections. I have never got a response to my is puts leading me to believe they have never placed one and have not asked for the prom notes and checks I paid them with. One top of the they are rude and refuse to give u a Mgr when u ask for one, but will xfer somewhere where the phone keeps ringing.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (NY)

This is my husbands debt. He put this utility in my name, but I was not workings at this time. We are going through divorce. And he stopped paying for this one because it was in my name. He stopped paying for the electricity since our divorce action has begun. Which is the end of XXXX 2014
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CASHCALL, INC. (CA)

I was called at work by Cash Call and they gave a co worker my information of how much I owed and when will I pay. A about XXXX min later they called my cell phone and when I spoke to them and explained what had happened they stated they would look into it but nothing has been done. They said they were going to listen to the recording but I do not know if that was done. And they call my phone almost every hour on the hour.
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (FL)

I received a letter from Penn Credit Collection agency dated XXXX XXXX, XXXX. 
The letter saying I owed {$56.00} for a parking ticket ( XXXX ) from XXXX XXXX, XXXX to the city of XXXX. 

I had paid the ticket in full in XXXX XXXX to a collection agency called XXXX XXXX XXXX, XXXX with USPS money order ( receipt number XXXX ) in the amount of {$56.00}. 

The amount I paid in XXXX is {$56.00} is the same ticket number XXXX from XXXX XXXX. 

I am not sure why Penn Credit is trying to make me pay for a ticket I 've paid for almost three years ago in full.
Consumer complaint received 2016-08-27
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (IL)

I opened XXXX CD with Ally Bank five years ago the maturity was XXXX XXXX, 2016, we closed the CD on XXXX XXXX, 2016 and did not receive interest from XX/XX/XXXX till XX/XX/XXXX. I can not find my disclosure but I thought that they pay interested in the grace period. 
I called and they told me that do not pay interest because I close the account. 
Can you tell me if this is common practice?
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase Bank Business Account in XXXX XXXX, CA on XXXX XXXX, 2016. The Business name is XXXX XXXX, XXXX. We funded the account with ~ {$30000.00} and the check cleared. 5 days after the account was opened I received a letter ( attached ) stating the account was being closed IMMEDIATELY because of " suspicious activity '' " or because we have n't received information that we requested from you. '' No information had ever been requested of me. 

I contacted my branch who referred me to a XXXX number. I called and attempted to verify what the problem was, but I was told by an employee that they could not tell me why the account was closed. I quoted them the letter, and they told me that, these were not the reasons but they could not divulge further information to me. There has been no suspicion of fraudulent activity on the account. The employee refused to provide her name or employee number. Finally, when I told the employee that I wanted to retrieve my {$30000.00}, I was told that they money was on hold and that I could not retrieve it presently.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have disputed XXXX incorrect addresses reporting on my credit with Equifax over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

XXXX XXXX has inaccurately reported to XXXX, Equifax , and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the XXXX XXXX Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XX/XX/XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I have contacted Equifax and XXXX in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct. 
I have a account with equifax reporting a judgement for county clerk office reporting in correctly as well on my report I have submitted document to the bureau in regards to the county clerk not reporting to the bureau but they continue to verify information that they claim is correct
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. Bank XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to DNB and will be paid or unpaid, and I will report this on all DNB numbers for Equifax Inc.