davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-25
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. (TX)

I have disputed and am still disputing this late pay with XXXX XXXX. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay XXXX XXXX Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the XXXX representative who assisted me, as well as the the TAX office person who assisted me. This XXXX representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, XXXX was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. XXXX is saying this is returned check, which is not true, as the money was already in escrow. Im asking XXXX to do the simple and right thing, and remove this one late pay as they promised. Please talk to the XXXX rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.
Consumer complaint received 2022-05-14
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX. Account XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Account XXXX XXXX XXXX  # XXXX have 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 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I have disputed and am still disputing this late pay with Wells Fargo. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay Wells Fargo Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the WF representative who assisted me, as well as the the TAX office person who assisted me. This WF representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, WF was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. WF is saying this is returned check, which is not true, as the money was already in escrow. Im asking WF to do the simple and right thing, and remove this one late pay as they promised. Please talk to the WF rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.
Consumer complaint received 2018-08-25
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. (TX)

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors Equifax already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XX/XX/18 XXXX  : XXXX XXXX XXXX XXXX  Credit Report Hard XX/XX/18 XXXX/XXXX XXXX/XXXX Credit Report Hard XX/XX/18, XX/XX/18 XXXX/XXXX : :XXXX  XXXX  XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX   XXXX XXXX, : : XXXX XXXX  XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18 EQUIFAX XXXX  XXXX : :XXXX  XXXX XXXX XXXX Credit Report Hard XX/XX/18, XX/XX/18 FACTUAL DATA : :XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX XXXX XXXX XXXX Credit Report Hard
Consumer complaint received 2022-05-14
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 Fair Credit Reporting act XXXX  Account # XXXX and # 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 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : XXXX XXXX / XXXX / XXXX XXXX
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (OH)

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited a cheque. I noticed the cheque was two months old. Right after I deposit it I called chase bank to stop the cheque they said they could not and to wait to see if it would go through. It was returned because of its age and I was charged XXXX XXXX I feel this charge could have been avoided. I understand the policy that was why I tried to stop it within an hour of the deposit is it justified that chase charge me? 
Respectfully XXXX XXXX
Consumer complaint received 2018-08-24
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)

I need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX:XXXX  ) XXXX XXXX ( XXXX : XXXX ) XXXX XXXX BANK ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX ) XXXX XXXX ( Equifax : XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX ) XXXX ( XXXX : < ) XXXX XXXX ( XXXX  : XXXX )
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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, 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.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days I request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2021-09-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc. (PA)

my vehicle was unlawfully seized. The law is very clear on this matter ; 15 U.S. Code 1692e.False or misleading representations- ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
Consumer complaint received 2018-08-24
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. (TX)

The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus XXXX, XXXX, & equifax on 3 different occasions XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX  ), XXXX XXXX/XXXX XXXX ( Equifax : XXXX   XXXX : XXXX XXXX  : XXXX  ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX/XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX ( Equifax : XXXX : XXXX : XXXX XXXX : XXXX ), XXXX/XXXX  ( Equifax : XXXX  XXXX : XXXX XXXX : XXXX ), XXXX/XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX ).

Thank you
Consumer complaint received 2018-08-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I took out a private loan in XX/XX/XXXX with Navient. I have been a student for the majority of time between then and now. I have consistently had issues with Navient applying my student deferment in a timely manner, refusing to apply the deferment, and listing my account as past due when it was reported to them through the XXXX that I was a student. 
My most recent problem with this happened in XX/XX/XXXX. I had been enrolled as a student the prior semester, and the deferment was applied. I enrolled for the Summer term, but Navient refused to apply my student deferment. They ignored both my attempts to contact them and resolve the issue and the XXXX data reported to them. They also did not apply the deferment to my federal loans. I do know the XXXX reported my enrollment because another company I have a loan with applied my deferment without me needing to contact them. Instead of applying my deferment or working with me, they listed my account as past due and threatened late fees and negative credit information. 
After numerous attempts through XX/XX/XXXX and XX/XX/XXXX and a complaint with the XXXX XXXX XXXX, they had to admit they did receive the enrollment data and applied the deferment to my federal loans only ( which required no payment at this time as they are on income based repayment and my income is too low to require payment ). They still refused to apply any deferment to my private loan ( the only one requiring payment at this time ). The only reason I was given is that I can't have deferment any longer because they no longer offer NEW loans of this kind. That is ridiculous. Near the same time, I was also told that I have 12 months of forbearance available, which I repeatedly requested. That request has been ignored, with the same person ( XXXX XXXX ) responding to the email but completely ignoring my clear request to apply this available forbearance. I have made it clear repeatedly that I am unable to make the payments at this time. Not only am I a student, but I also do not make enough at my job to afford this payment above my basic expenses. In an effort to avoid the continued threat of negative information on my credit report as a result of Navient 's refusal to apply these payment postponements as agreed, I payed {$300.00} to bring my account current, having to short my rent and go without food to do so. Instead of working with me, Navient has continued to refuse to apply deferments, forbearance, or lower the payment amount. I believe they have reported negative information on my credit report, and are still attempting to strongarm me into payments I can not afford at this time with the threat of additional negative information on my credit report and added fees. I have been honest that I can not afford these payments and have tried to work with Navient, but they have made XXXX effort to work with me or honor the terms of the loan.
Consumer complaint received 2022-06-08
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. (MI)

When i went into XXXX, XXXX, XXXX XXXX i tried applying for XXXX  and it ended up being more than one Inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
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)

Incorrect payment history reported, In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-08-24
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: SUNTRUST BANKS, INC. (PA)

I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXX, XXXX, XXXX XXXX and now SunTrust trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
Consumer complaint received 2018-08-24
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: AES/PHEAA (PA)

I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX  and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXXt, AES, XXXX XXXX and now XXXX trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I sent {$80.00} through XXXX on XX/XX/2022 for an application fee that never got done. It was sent to their XXXX ( XXXX ) named XXXX XXXX. Their phone number was XXXX.
Consumer complaint received 2018-08-24
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)

On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Company and their attorney sued me on the XXXX day of XX/XX/2022 after I send them a Cease & Desist letter on the XXXX day of XX/XX/2022 via certified mail with return receipt request to the company and their attorney.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV INC. (VA)

I called TeleChek on XX/XX/2022 and XX/XX/2022 to settle debt I found out I owed during a back ground check for an apartment complex. I was told that they no longer housed the debt on XX/XX/2022 and was provided a third party phone number to settle the debts which I took care of and was provided two reference numbers XXXX and XXXX for two payments coming from my bank account. I called telechek again today because the apartment complex said it still had not cleared the telechek system. I was then informed that they still showed I owed when i was originally told that the debt had been sold. i feel as though they are double collecting debts and now know that since this is a desperate situation for housing needs that i will pay regardless. this is urgent and needs fixed today as i will be XXXX