davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (ID)

Account XXXX XXXX XXXX XXXX XXXX  # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2021-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I was working for the State of Maryland beginning XX/XX/XXXX, a qualified employer for the PSLF program. I sent in my certification forms for the program and I had been in touch regularly with Navient, who my loan servicer for my Federal Student loans. I completed my annual forms since the beginning to maintain my payments I received something in the mail that my account was transferred to XXXX  XXXX as a result of receiving a PSLF employer certification form. I was confused as I have been completing the forms and my recertifications. I sent a copy in XX/XX/XXXX of my forms dated from XX/XX/XXXX to Fed loan who provided me with my eligibility statement showing I had only made 13 qualifying payments. They advised me that the previous servicer was who reported the qualifying payments. I contacted Navient and launched a complaint for a new review of my qualifying payments because I had been in regular contact with them and was unaware of any possible problems. I received a response letter dated XX/XX/XXXX that my account was transferred to XXXX  XXXX  on XX/XX/XXXX as a result of receiving a PSLF certification form ( as if this was the first time, but I digress ). It went to also say that my repayment plan had a series of postponement that did not qualify under the program. I am finally advised after all these years that my Payments were not qualifying payments from XX/XX/XXXX to XX/XX/XXXX because I was on deferment. I went back in my records and the earliest document I had saved was dated XX/XX/XXXX reminding me that my current 12 month IBR plan period will be expiring soon and to reapply before XX/XX/XXXX. So I know I had the proper IBR repayment plan in XXXX with Navient and PSLF forms were sent in from my employer. Why in XXXX was my loan transferred to XXXX  XXXX  when they say they received my employment certification form. I was XXXX so I asked the ombudsman if they could pull any recordings of my conversations with Navient because I had lost upwards of 18 payments obviously to a misunderstanding of some sort and how can we confirm that I was given the wrong information. It has recently come to light that there have been deceptive practices with student loan servicers and I would like a independent review of my particular situation because I feel that the payments should have been credited.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (NC)

My Barclays card is charged off ( which is accurate ) however a third party XXXX XXXX XXXX XXXX called me stating they owned my account. I have set up a payment arrangement with XXXX  for a reduced amount. My issue is that Barclays is still reporting a balance of over XXXX when I have settled with XXXX  for {$2200.00}, which I still owe {$1800.00}. I have an issue that Barclays is reporting a balance that is not correct. I have spoken with both companies, call recorded, to ask why I have a contract now with XXXX  and it is not reflecting with Barclays since XXXX works for them. I will be speaking to an attorney because do not think this is a fair practice.
Consumer complaint received 2019-01-18
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: DISCOVER BANK (CA)

Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from Discover, XXXX/XXXX ( XXXX ), XXXX, and XXXX.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

On XX/XX/XXXX a payment was made to Discover Card for my credit card using my XXXX XXXX XXXX  Checking Account. This payment came back returned on XX/XX/XXXX and had not left my checking account. I called discover that day and was informed that the payment was returned and the reason was unknown and I should contact the bank. 

I then reached out to my bank who informed me that no payment attempt had been made and there was no record of it and to contact the merchant discover card for more information. 

I reached back out to discover card on the same day and continued to try get answers but could not get an answer other then to reach out to my bank again. 

By this point discover had already reported to my credit report that my payment was late damaging my score and causing a late payment mark and higher balance on my credit report. 

After lots of back and forth on the same day I made the payment again this time using a different checking account and asked discover to remove the negative information from my credit report as this was an issue between discover and the banks and not my fault as I had made my payment on time in the XXXX. They said that no one was able to do that and there was nothing I could do to fix it.
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (MN)

I have requested to do balance transfer of XXXX dollars on XX/XX/2018 with my discover credit card, that will transfer to my XXXX Savings account. They did a transfer within a week and status got changed to fund sent where it was mentioned that usually 5 to 7days, XXXX account will receive the amount. But, even after 7 days, it dint get deposited to XXXX account. I have called discover on XX/XX/XXXX and they confirmed that i have to wait until XX/XX/XXXX and if i dont receive on XX/XX/XXXX, then, i can call again discover to raise the complaint. since, amount dint get deposited in my XXXX savings account, i have called discover again and asked them about the status, they said about starting investigation and next week they can reach about updates. today, XX/XX/XXXX th called them again, they said it may take upto 45days to find where the issue is and why this amount dint get deposited in my bcu account. Problem is, i did a transfer from discover to XXXX, discover dint have any tracking record about cash check they sent.i dont have any idea now where the money is. due to this, my load got rejected, was in a kind emergency situation that i could not resolve and facing lot of issues.
Consumer complaint received 2022-10-11
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. (NC)

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. 

INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX AND XXXX *XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lien Enforcement Inc (CA)

So I sold my car two years ago which I do not owed or do not have any paper work of the car. The company lien enforcement is charging me a tow fee of XXXX for the car that I do not owe My name is XXXX XXXX XXXX. 
Address is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-18
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tiedto my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-10-11
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)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2022-10-11
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. (NY)

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 am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Although I have contacted the furnisher and they approved of REPAIRING and UPDATING the account, you there at Equifax still chose to continue reporting this damaging information. I keep my own accounting records for payments, and the one you have does not line up with what I have. Please fix the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (TX)

I am being denied credit due to reason being that I am currently behind on payments to a Creditor. I have no current negative accounts on my credit report. I searched and I have notice that SECURITY FINANCE is reporting Acct # XXXX as currently >Account Past Due 60 days<. This account was paid in full in 2018 after some late pay because of Natural disaster Hurricane Harvey. This account need to be removed for incorrect reporting. This account has reported incorrectly for some time and has continuously been the cause of credit denial when my credit report otherwise is clear and Paid As Agreed. I have attached a screenshot of my XXXX  report.
Consumer complaint received 2021-01-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, N.A. (MI)

Around XX/XX/XXXX I spoke to a woman in the drive thru about upgrading my checking acct : being told I was eligible and it should take a day or two to process ; I called the next week and spoke to a woman named XXXX, who said she sees the request and to call and check on it in a few days. I never intended to follow up further, being it's the banks responsibility to follow up with me. I then called customer service on XX/XX/21 after no changes or call ; being told the process is quick and shouldn't have took this long ; I then requested to be transfered to the branch, only to get failed results again.
Consumer complaint received 2021-08-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NM)

HI IVE BEEN TRYING TO SUBMIT DOCS TO THE 3 CRAs and have not gotten anything done. I have not been able to rectify the errors on my consumer report and I need help with this, thanks
Consumer complaint received 2022-10-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (IL)

An auto accident that occurred at a red light on XX/XX/2021. It is claimed I owe damages for the amount of over {$4000.00}. This accident that has been claimed against me had a police report on the scene that noted that NO DAMAGES WERE MADE for this accident. On the police report I have in my possession along with pictures of both my vehicle and the other partys vehicle show no damages on her vehicle. This claim brought against me shows parts and items of this vehicle that mine didnt make any contact that she had gotten fixed and is trying to sabotage/blackmail me into paying for. I have a lawyer for this matter and have sent many dispute forms to AFNI subrogation claims department stating they in violation of my rights and for not proving the debt I owe is caused by the accident that occurred on the date of XX/XX/2021. My vehicle bumped her hitch on the back of the other partys SUV and left no damage at all. Nobody was hurt. The officers told us to go our separate ways. I will not be paying for damages claimed against me that are separate from her own vehicle maintenance needed to be fixed. It was 2 full months after the accident that the other party decided to go get her vehicle fixed and due to the nature of the weather she may of been involved with a different accident or struck an object due to the snow/sleet/rain conditions. I have all my documents to fight this and have already filed many dispute forms for this occurrence. Please give me a call at XXXX or email me @ XXXX XXXX
Consumer complaint received 2020-12-30
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. (ME)

i have tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.
Consumer complaint received 2022-10-11
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. (ID)

Account XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

XXXX XXXX credit card was stolen and purchase was made at XXXX in XXXX Pennsylvania on XX/XX/2022 the stolen credit card was used at the XXXX  in the amount of {$530.00}. 
A police report was filed with the State Police of NJ. 
The credit card company sent text messages to my cell phone alerting me of fraud and I replied No, to not approve the charges. The card was frozen and closed but the charge was not removed from my account.