davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

In response to the Credit Bureaus XXXX XXXX, I am submitting this CFPB Complaint. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting more information from the credit bureaus about these specific items in question because I am not happy that enough was done to actually contact the creditors who are reporting this information on my report. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) mandate that these accounts be verified by the XXXX credit bureaux ( XXXX ). ( A ). It is unacceptable to treat these reporting stories as unverified rumors without providing evidence within the prescribed window of time. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) of the FCRA ( XXXX ). Please look into the following unverified accounts ( A ) : XXXX  XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXXXXXX XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-12-07
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: CBC Companies, Inc. (NV)

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2022-12-07
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: LEXISNEXIS (NV)

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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: Kikoff Inc. (AK)

I was a victim of the XXXX data breach of 2017. and the Alaska XXXX XXXX XXXX  data breach KIKOFF LENDING , LLC # XXXX {$20.00} is not my account
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: AXOS FINANCIAL, INC. (TX)

I have 2 banks. XXXX XXXX XXXX and AXOS  bank XXXX XXXX  XXXX is a XXXX bank that was over here in the states as of XXXX. XX/XX/XXXX they closed all American accounts and move their focus over primary to back to XXXX. I had a refund that was issued out and sometime between XXXX and XXXX for {$100.00}. I was issued the check I try to mobile cash it which I checked off for mobile cashing on the endorsement part. XXXX declined it. Because it was a reimbursement check. Ive tried to cash the check everywhere with the check cashing place nobody will cash it because it is checked off for mobile cash checking. I try to endorse it under my dads account for mobile checking and they declined it. So I technically have a piece of paper with my name on it saying I have {$100.00} but I cant touch it. Ive contacted XXXX XXXX XXXX 26 times between now and XX/XX/XXXX trying to figure out this resolution. They were telling me that I had to go get a form notarized at the very end of our conversations before they started ignoring me and which I do not have the time to go have a form notarized I was mad they blocked me nobodys replying to my emails Ive sent four other emails trying to get in touch and which I also received a confirmation email when I started a brand new email thread, it never took them a week to reply. Normally 2-3 business days. Axos bank supported XXXX when in the states. The Routing number on the check is Axos Banks routing number. Ive tried to contact them in which one gave me an email address and the email address does not work when I was on the phone with him I repeated back exactly Word for Word letter for letter what he gave me and he confirmed it Ive sent out two emails and both emails came back to me saying that the email is incorrect. Ive tried to contact them three times the second time the representative I was in mid conversation and he hung up on me because I had got the virtual assistant wanting to write the car. So I called back and I spoke to somebody else and I requested a supervisor and hes telling me that theres no supervisor available and I need to contact XXXX which he was not listening to everything I had told him that how XXXX is not responding to me so he puts me on hold and then he puts me to the phone number that tells everybody when you called it XXXX US line but the accounts were closed and then it hung up on me I dont know what to do I have a piece of paper here that has my name on it it has {$100.00} on it and I can not cash it nobody is responding to me Im getting ignored Im getting blocked I dont know what to do. I did reach out to XXXX itself in XXXX, but they told me to contact XXXX since its an American account.
Consumer complaint received 2022-09-26
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)

XXXX XXXX ACCOUNT # XXXX {$14000.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX ACCOUNT # XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX {$500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX  ACCOUNT # XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX {$33000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$2500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXX {$260.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$3300.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX # XXXX {$1500.00} DATE OPENED XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Online IN SV XXXX, XXXXXXXX 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 2022-09-26
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. (FL)

XXXX XXXX XXXX  # XXXX {$1000.00} XX/XX/2020 XXXX XXXX XXXX  # XXXX {$400.00} XX/XX/2020 THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NY)

I paid my balance on my DISCOVER credit card in FULL on XX/XX/2022 which was {$530.00}. I called DISCOVER to make sure that they received the payment and I was told that the amount should take about 2-3 business days to post and then I would be able to use my card. I called DISCOVER back on XXXX XXXX to check on my available account balance because my card declined after the payment had been processed from my checking account in my regular bank, XXXX XXXX XXXXXXXX XXXX The agent told me that there was a verification that needed to be done and she did it over the phone and said that I was all set and could use my card now because there was a hold because of the verification and now the hold has been lifted and I'm all clear. However, when I tried using my card on XXXX XXXX, it was declined again. Ever since then I have called DISCOVER 2-3 times and either the call does not go through or the agent or manager tells me to wait for the hold to be lifted. This has never happened before to me, on the same day I paid off my XXXX XXXX card in full, they gave me the available balance within the course of 2-3 business days and I was able to use my card.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

On XX/XX/2022 my debit card was stolen. The card was used at XXXX 3 transactions where successful in going through. I immediately turned off my card and notified chime of the theft. Preventing 3 other charges from coming through. I also filed a police report and contacted XXXX. I provided the police report to chime and walmart stated they had the video footage and documents for chime of the theft. However chime has declined to reimburse me stating no errors have occurred.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AZ)

On XX/XX/22 i was receiving notifications that someone was taking money out of my account in the amount of XXXX XXXX XXXX XXXX it was a total of XXXX transactions I immediately called pay pal to let them know what was going on, and to hurry and turn off my card. I was told then i could not file a dispute until the transactions were no longer showing up as pending. I called back the next day to get this resolved and i was told to file a dispute. i filled the dispute and then notice that it was more transactions in my account that i did not complete. With filling my dispute i added them as well. on XX/XX/XXXXi received a notification that i will not be paid. I then contacted PayPal in frustration about my hard own money. That representative was nice and understanding stating they would have a analyst call me back. i received a call on XX/XX/22 from XXXX of the rudest people i have talked to in my life not only did she hang up in my face but she would nit transfer call to another supervisor ( she claimed she was the supervisor ) or even attempt to resolve my issue.
Consumer complaint received 2022-12-07
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: ID Analytics, Inc. (NV)

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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: BROKER SOLUTIONS, INC. (CO)

In accordance with the fair credit reporting act, this creditor, has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TN)

Before attending XXXX  XXXX College, they came to our school promoting a free college for class of 14 if we graduated from XXXX XXXX XXXX and all. So 3 months while attending XXXX they had a meeting for all of US student who came from XXXX and told Us that our schooling will no longer be free and that we have to pay, I had to take out a parent plus loan also so for this because we was on the impression that it was free 100 % because I was a broke kid going to college as it was and know Im stuck with a big debt
Consumer complaint received 2021-03-23
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. (MO)

In XX/XX/XXXX, I filed bankruptcy. I also signed a reaffirmation agreement for my home loan and my auto loan. Ever since, XXXX XXXX, my home loan servicer, has not reported to the credit agencies, and has reported my open, existing loan, that I continue to pay for and I continue to be in possession of the property, as a closed account. This account is very much open and I am very much still paying on the mortgage. I called XXXX XXXX  on several attempts to rectify the situation with no luck. My most recent attempts were the last week of XXXX, when I spoke with a customer service representative, they said they opened a case on it. I followed up on XX/XX/XXXX, there was no notes in the account that I am trying to get a resolution. The girl stated she sent it to their legal department, she said she researched my file and was able to find my reaffirmation agreement. She stated that I would hear from the mortgage company by the next Tuesday. The following Wednesday approached and I still had not heard anything. I called Wednesday the XXXX and spoke with a supervisor that said he can not do anything, nor can he provide me contact information for their legal department. I followed up with another phone call XX/XX/XXXX and there still is no action.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (NY)

On XX/XX/XXXX, my Moneylion debt card was stolen. The person who stole my card use it without my authorization. I filed a dispute with Moneylion. Waited over a month, and was denied my provisional credit.
Consumer complaint received 2022-10-21
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CarMax, Inc. (VA)

In several occasions, my account went past due. After I made arrangements to pay. Carmax continue to call several times for days. I asked Carmax to stop the calls but they wouldn't stop. Carmax attempted to collect the debt even when placing harassment complaints. This created a very bad case of emotional distress. I couldn't perform my job properly because of this.
Consumer complaint received 2022-09-26
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. (MD)

I submitted a dispute to equifax XXXXXXXX XXXX to dispute a account on my credit report due to fraud. They responded back to me and informed me that the dispute was verified as being mines. They did not verify the account in question, because the credit card company reached out through this portal stating they investigated my claim and in deed did find that it was opened fraudulently.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (TN)

In accordance with the Fair Credit Reporting Act my rights has been violated.

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 report furnish an account without my written instructions.

15 USC 1666B : A predator may not treat a payment on a credit card account under an open end Consumer Credit plan as late for purpose