davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (FL)

I have a loan with SELF FINANCIAL INC / LEA I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information : SELF FINANCIAL INC / LEA XXXX Opened XXXX XXXX, 2020 Balance {$140.00}
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

XXXX I placed a call to edfinancial to refund my payments and they said it would be 180days or more before they could do that. I called on XX/XX/2022 and they did not submit my request so I asked again to refund my payments. At this point they said yes and it'll be 180days or more.
Consumer complaint received 2022-09-05
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority which stipulates an agreement. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. 


Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}
Consumer complaint received 2022-09-05
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. (IL)

I want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Please verify all info is true, accurate, and correct incomplete name spelling, address of record of this account. 
DEPT OF EDXXXX XXXX Balance : {$3800.00}
Consumer complaint received 2022-09-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Account # : XXXX I tend to dispute the items above. 
The college and collection agency failed to mail me a proper notification of balances. Nor is the balance accurate or justified. The courses were dropped and I did not receive the education. Failure to send proper notification in a timely manner is extremely unethical. 
If the above accounts can not be verified, they must be removed immediately according FCRA section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. 
Please validate that this debt belongs to me, and please also show me the original contract agreement. I would also like to know the verification methods on the possible account as well.
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OR)

I have autopay set up with Care Credit, but instead of withdrawing the agreed-upon amount they withdrew the entire debt. 
I have called them multiple times and they are reluctant to help me. They said that I have to wait for the money to clear before they will even do anything. However, the debt is larger than the total value of the account and I will end up having a negative balance.
Consumer complaint received 2022-09-05
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)

The only address that is accurate on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX These addresses were used by fraudsters and need to be removed so my personal information is not mailed there anymore so No body will have access to my information or the ability to have access to my credit again XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is spelled XXXX XXXX I never used or applied with the following spelling below and should be removed and deleted Incorrect spellings of my name XXXX XXXX XXXX XXXX XXXX And I have a outdated job listed I try to remove several times which is listed below I would like removed and deleted XXXXXXXX XXXX XXXX This is my correct cell phone number XXXX These phone numbers listed below are inaccurate and are not mine XXXX XXXX XXXX
Consumer complaint received 2019-11-30
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: JPMORGAN CHASE & CO. (FL)

I opened an auto loan with you guys on XX/XX/2018 and it is not currently reporting to my XXXX  credit bureau. The partial account number is XXXX
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (MN)

I bought XXXX iPhones at the XXXX, MN XXXX XXXX and was charged for XXXX iPhones. 
After complaining to the CFPB, the XXXX XXXX XXXX the money to my checking account ; but the balance in the Apple Card remains with interests. 
There was another illegal charge in which I dont know. After complaining to the CFPB it was refunded to my checking account ; but the balance remains with interest. 
Both illegal charges added up to over XXXX XXXX dollars. 
I will attached the screenshots for your information.
Consumer complaint received 2022-09-05
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: LEXISNEXIS (TN)

I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2022-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (CA)

After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. 
XXXX XXXX XX/XX/XXXX {$7600.00} ALLY FINANCIAL XXXXXX/XX/XXXX {$13000.00} XXXX  XX/XX/XXXX {$2500.00} XXXX XX/XX/XXXX {$870.00} XXXX XXXX  XX/XX/XXXX {$10000.00}
Consumer complaint received 2022-09-05
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  / XXXX  XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-04
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: Affirm Holdings, Inc (PA)

In accordance with the Fair Credit Reporting Act Affirm IncXXXX XXXX and XXXX, has violated my rights. 

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

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

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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-09-05
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 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. 

The account was also paid in full.
Consumer complaint received 2022-07-02
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: Davis and Goldmark, Inc. (CA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. States Ihave 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 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (TX)

I reached out to REGIONAL FINANCE XX/XX/2022. I sent a Cease and Desist letter informing them of violation I notice. 

They consistently called 3x 's a day despite the correspondence. 

They are also creating accounts w/o my knowledge as well as consist. There are 4 accounts they have made up XXXX, XXXX, XXXX ; with 3 different amounts old. 

My report on XXXX reports account number XXXX with a balance of {$2200.00}. XXXX with a balance of {$2400.00}, and XXXX original loan {$1500.00} ( CLOSED ) Contract they have on record says account number XXXX. 

My Consumer Reports have all 3 accounts on them. 3 accounts have a balance I'm not sure how they did this w/o my knowledge. 

They are now committing fraud and identity theft. 

In response to my letter dated XX/XX/2022 they have sent me 3 different correspondences dated XX/XX/2022 with an account number XXXX XXXX amount : {$2100.00} late charges : {$110.00}, XX/XX/2022 with an account number XXXX XXXX amount : {$2100.00} Late charges : {$150.00}, XX/XX/2022 with an account number XXXX XXXX amount : {$0.00} all 3 correspondences had the same contract attached to it. 

As a debt collector REGIONAL FINANCE has violated multiple code pursuant TILA and the FDCPA.
Consumer complaint received 2019-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

On XXXX XXXX, 2019, I sent a certified letter to IC System requesting the debt being reported to the credit bureaus be validated. 

I specifically requested an itemized statement of the debt owed and other documentation to substantiate the debt. In fact, the collection account date now indicates XX/XX/2019. 

My request has not been granted ; therefore, in compliance with the Fair Credit Reporting Act, I request the error be removed from reporting to XX/XX/XXXX,XX/XX/XXXX and XXXX XXXX.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX and actually this is about chase retaliating Agaisnt me and closing my checking account from me complaining to the cfpb about the issue I had with chase and XXXX   XXXX  and chase had to refund my account so they closed it saying too many wierd refund transactions now they have put le in deep financial despair by doing that and my stimulus economic payment has been sent and I cant get it because they closed my XXXX  account. I just had a baby and very stressed out and this just put it way over. I will be seeking monetary restitution payments against chase for all the extreme XXXX XXXX and XXXX that they have been putting me through And also while I was XXXX  that was the worst and now. I called chase and asked why did they do that and I was given the XXXX  answer about the transactions and that there wasn't anything they could do and if anything was to go to that account they would mail it to me. I dont have time to wait when I should have had it now. Chase really needs to be brought forward on lawsuits for alot of undercut practices they do and how they treat their customers wrong and disrespectful
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (CO)

Midland mortgage has, on several occasions, reported me as missing payments or paying late when I have made every payment on time. I can prove this with bank statements and confirmation numbers provided by the company. I have had to make several disputes to XXXX XXXX to rectify drops in my credit score due to false reports from midland mortgage. I have spoken to the company about the issues they are having and each time they have responded with assurances that it will be fixed. They have recently referred me to foreclosure despite having zero issues with my payments.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sentry Credit, Inc. (KS)

SENTRY CREDIT INC, XXXX XXXX XXXX, XXXX, XXXX  XXXX, is attempting to collect a debt that was discharged through a mediation order filled in XXXX XXXX ( Florida ) Small Claims court. The order was sent to Sentry Credit via email in XXXX and XXXX. The order was sent to XXXX and XXXX in XXXX. When Sentry Credit was contacted by phone they said that " it was not their responsibility to check with the original entity XXXX at XXXX XXXX, even though they knew the matter was in litigation. '' The impact of the reporting and attempt to collect a debt that is no longer owed significantly impacted my ability to obtain financing. XXXX and XXXX allege that the collection is verified, even though they have a copy of the order and can verify its veracity through the XXXX XXXX on-line system. Sentry Credit is alleging to the world that they are owed a debt that they are not, this is simply fraud. It appears that XXXX and XXXX are ignoring their responsibility to actual investigate disputes.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a vehicle on XX/XX/XXXX I used my debit card to pay the financial company XXXX XXXX  XXXX dollars I only authorized the company XXXX XXXX to receive the money when I called the financial company regarding my car they informed me that they never received the XXXX dollars that the dealership where I purchased the car kept the XXXX I never authorized the dealership to take funds of my debit card and keep the money, I was mislead to think they were using the money to go towards my car loan, after having issues with the car dealership refusing to give me back the money that I did not authorize them to use I contacted my bank, Bank Of America and since I used my debit card for the XXXX dollar transaction I disputed the charges on XX/XX/XXXX and opened a claim, they told me it was going to take 60-90 days to be resolved I asked if they needed any documentation from me they stated someone was going to contact me from the fraud department nobody ever contacted me and even though I kept calling they would just say they could not give me any information and that I did not need to submit anything at the moment, on XX/XX/XXXX I get a letter saying they denied my claim because the dealership send them documents of the car purchase, I have court documents where I am suing the dealership for various counts of fraud and have a attorney involved I faxed the documents over to Bank of America but I still have no help, I am very frustrated because due to this I dont have a car Bank of America has failed me they never asked me to provide any documents and every time I call they dont have any answers they are or following their policy because even with court documents explaining what happened and how Im a victim of various counts of fraud they still refuse to give me my XXXX dollars, I never authorized for that merchant to charge my card I was mislead and they stole the money out of my account.
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX ( Original Creditor : ) XXXX
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

On XX/XX/2022 I sent out letters to the credit bureaus of XXXX, XXXX, and Equifax certified mail. Neither agency responded with a return receipt of my letters of the inaccurate information. I gave them the benefit of the doubt and waited again until XX/XX/2022 and repeated the same process with sending certified letters. Again, there was no return receipt of acceptance to look into the inaccurate information being reported. Recently again on XX/XX/2022 I sent out the letters again, this time by regular postage and it is now XX/XX/2022, past the 30 day. This time I have decided to take further action to express that my rights have been violated according to the following laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, States In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Not only has there been inaccurate reporting on my credit report, I have never given any written permission to contact me or report to the credit bureaus. I have also been receiving calls from phantom phone numbers disguising the company 's real phone number. These phantom phone numbers show up as local numbers in order trick you into answering your phone.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. 

XXXX XXXX  XX/XX/XXXX {$7600.00} XXXX XXXX XXXXXX/XX/XXXX {$13000.00} XXXX  XX/XX/XXXX {$2500.00XXXX XXXX  XX/XX/XXXX {$870.00} XXXX XXXX XXXXXX/XX/XXXX {$10000.00}