davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
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. (NV)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX Hospital XXXX
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (TX)

My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax systems were down preventing the unfreezing of my credit history. 

I made several attempts on their online portal to unfreeze my credit between XXXX and XXXX on XX/XX/2020. Their automated phone system informed me I provided incorrect information ( after two tries I can confirm this is not the case ). When I talked to a call center representative they said their systems are updating and I should call back tomorrow. 

Complaint : * Providing false & misleading information about their outage. 
* Given that theyre in the business of selling my data without my authorization, they should be able to keep their systems available so I can at least freeze/or unfreeze my information at will. A 24 hour outage is unacceptable and impacts consumers. 

This isnt the first time their online portal has been offline and impacted my ability to use it.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (DC)

In XXXX, I moved from my principal residence in Washington DC and discontinued my landline/internet/cable service with XXXX. XXXX included a termination fee on my final bill, which I believed was improper. Nevertheless, after spending hours trying to get this resolved, I finally gave up and decided to pay the full amount due and in dispute. On XX/XX/XXXX, I paid {$490.00}, re : acct # XXXX by personal check to " The CBE Group '' - the collection agency that is the subject of this complaint - to which the debt was referred. Now, more than 3 years later, in XX/XX/XXXX, I was contacted by another collection agency ( XXXX, XXXX XXXX XXXX, XXXX MA XXXX ) about a debt owed to XXXX. I told XXXX that I already had paid the debt and then I called The CBE Group XXXX XXXX ) to ask for confirmation that they received my payment and discharged the debt. The agent I spoke with at CBE ( I believe, a XXXX XXXX XXXX (? ) ), was extremely rude and refused to offer any help, suggesting that I contact XXXX or various other options, even though it was to The CBE Group that I made my payment and which cashed my check. I have asked my bank for a copy of the cancelled check and expect to receive it shortly. In the meantime, I am shocked that The CBE Group, which received my money and cashed my check ( and confirmed over the phone that it had received the check a few days after I sent it ), refuses to give me any written receipt or confirmation that it received payment in full. My request is that The CBE Group provide this documentation.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The personal information that is being reported is Mixed and Merged with my family member personal information. Reporting an incorrect address which I have disputed for an entire year and the credit bureau still reporting this erroneous information. The incorrect address is XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Remove the incorrect information because I never lived at this address.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified XXXX XXXX, XXXX, EQUIFAX, and XXXX of unlawful and unauthorized reporting of unknown inquires and XXXX XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (FL)

I received an email notice that my credit card statement was ready. Since I have opted for paperless statements, I must access my statements online. I have tried to log in to the website on XX/XX/XXXX, XXXX, and XX/XX/XXXX with no success. All that is displayed after entering my user name and password is a blue screen. On XX/XX/XXXX, I called Chase customer service to ask about the issue and was told they were doing maintenance and the website would be available on XX/XX/XXXX. So on XX/XX/XXXX, I again tried to log in with no success. How am I supposed to pay my bill when I can not access my statements? I have experienced the same problem last month when trying to access my accounts.
Consumer complaint received 2020-11-17
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: EQUIFAX, INC. (MD)

i sent letters to all 3 credit bureaus stating that i did not recognize any of the inquires on my credit report and dont know where they came from and i also explained my information was exposed in the data breach and forwarded accounts and inquires that were not done by me. when i call they say they dont have any of my paper work on file
Consumer complaint received 2017-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

My student loan debt went from XXXX dollars to XXXX dollars due to interest. I have tried many times to get the monthly payment down to where I could afford to pay, but they would not and only offered me deferments. Their websites are difficult to navigate, and to try to speak to someone on the phone is pointless they have thick accents which make it difficult to understand, and they can never do anything to help you. There is no way I can afford these monthly payments, I am XXXX years old, live paycheck to paycheck and having an XXXX mother who lives with me. I first became unable to pay my monthly fees when I was divorced in XX/XX/XXXX. I had to quit full time school, and I just took courses until I finished with my XXXX degree ( XXXX degree ) in XX/XX/XXXX. Whatever help or information you can give me would be appreciated.
Consumer complaint received 2020-11-17
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)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I have filed and identity theft affidavits. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission.
Consumer complaint received 2020-11-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO. (NY)

Most recently I received a judgement by the XXXX civil court in XX/XX/XXXX following a request to vacate claims against me, under, False and misleading representation and debt, Section 807- a, 4 and 9. For unfair practices Section 808 -1 and Section 809- a and c. I continue to be harassed and violated. On XX/XX/XXXX my bank account was charged citing a legal order I have no knowledge of. In this case again they fail to provide validation of debt or provide me proof of a legal order. XXXX bank was also not provided with proper information about the matter of which this event originated. My account was withdrawn {$5700.00} and XXXX of which was not specified from why. 

I am beginning to notice a pattern with XXXX XXXX XXXX and XXXX XXXX. My encounters with both of these companies date back to XXXX. This is harrassment. 
It became more apparent last year when XXXX XXXX was suing me, for a medical bill and XXXX and XXXX also initiated a claim against me at the same time. This year they are both back, coming after me again. This time in full violation as if I do not get the right to protect myself. On XX/XX/XXXX XXXX and XXXX took 5, XXXX dollars from my account plus a separate amount of XXXX for XX/XX/XXXX knows what!!! .. I received no notice. In fact it was brought to my attention after I called my bank regarding another notice I received XXXX and XXXX partner in crime XXXX XXXX on XX/XX/XXXX ; threatening me with a notice to restrain my bank account on a claim I agreed to pay last year and am still paying each month up to this very month ( XXXX ) they are taking XXXX from me.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I wrote a check out of my business account on XX/XX/XXXX for the amount of {$6400.00} dls to the United States Treasury, check # XXXX. This check was mailed as a prepayment for my taxes. I always check my statements, and I did see the check number and the amount being deducted from my account a few days later. 

In XX/XX/XXXX as I was preparing to do my XXXX taxes my CPA asked me for a copy of the check I sent as payment. At that point I went onlint to download the image of the check and realized the Payee had been altered and the check had been cashed by XXXX named " XXXX XX/XX/XXXXXXXX '' or something like that, is not very legible. 

I immediately reported the event to the bank, it was clear both the payee and even my signature had been altered. They opened a complain, I wrote an affidavit with the personal banker, gave copies of the check and I left. I get a letter dated XX/XX/XXXX saying my case was closed because of lack of affidavit, so I called on the bank on XX/XX/XXXX and they tell me they have in fact received the information and they are looking into it. 

Finally, after not hearing anything from the bank for almost a month since my original claim I go to the bank on XX/XX/XXXX and the personal banker calls the claim department just to let me know that my claim was denied because it had passed 35 days since the check and I should've check my statement. I made it clear I DID check my statment I just didn't see a copy of the image of the check and they proceeded to just deny my claim and walk away with this fraud.
Consumer complaint received 2020-09-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC. (FL)

XXXX from Navient, extension XXXX, called me at XXXX XXXX this morning looking for my sister, claiming I was listed as a relative. This is highly unlikely since my sister and I are estranged and I have seen her once in 15 years, at my fathers funeral. I called back and asked for a supervisor who attempted to tell me it was legal because it was public record. Calling at XXXX XXXX isnt legal and I have my doubts that calling others trying to find a debtor is legal either.
Consumer complaint received 2020-11-17
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: SYNCHRONY FINANCIAL (PA)

On XXXX XXXX, 2020, XXXX XXXX XXXX  XXXX  add a hard inquiry on my credit report per XXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, SYNCB add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-10-31
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. (AZ)

On XX/XX/2020, I filed a complaint with the FTC for identity theft. One of the five accounts listed is on my Equifax credit report. Just as the FTC recommended, I mailed, faxed, and emailed a copy of the FTC report as well as a letter with the FTC logo upon it, the latest copy of my credit report, a copy of FCRA 605 ( B ), and a copy of my driver 's license as identification. Equifax did immediately put a fraud alert on my account. Unfortunately, that is all they did. As per the Code, I know that a block is supposed to be placed on the account resulting from identity theft. This has not occurred. The only fraud process they have online is to submit the fraud through their dispute resolution center. I did upload all my documentation, again, but now the " date of resolution '' is now over a month away. That is not part of FCRA 605 ( b ). Plus, my credit score declined by 72 points. There are only 2 negative reports on my file. Can you please help me get this information to them?
Consumer complaint received 2020-06-02
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. (OH)

I have a unverified account with XXXX I have never done business with this company. I believe it is a HIPPA Act violation. I would like to know how my personal information was used and accessed without my permission. The reason for my dispute isXXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX County Sherif Dept. I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have requested the Navient which is my Student loan company on XX/XX/2020 for the Deferment application and all of the payments, the Balance of Statements, and the term of my students loan from the beginning of the loan. I have requested the Navient sending all of the documents to my mailings address, but they are not sending any information to my mailings address. 
I had called them requested for the Deferment application sending it to my Mails address, but the loan processor sent me the wrong application to my Email, and they are keeping asking me, Email harassing me every week that I have to return my electronic E-Signature back to them. I am not sending back my E-Signature to them for the difference application, because I am still waiting for them sending the documents to my Mail. They are also changed my loans term interest rate and charged for the applications fees, raised up the monthlys payments amount. They are lied, cheated and deceptive without my requested and my approval for any change of my loans term in the past. They are not doing as the same what they are saying and as stated in their letters.
Consumer complaint received 2020-06-02
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 a unverified account with XXXX I have never done business with this company. I believe it is a HIPPA Act violation. I would like to know how my personal information was used and accessed without my permission. The reason for my dispute isHRRG was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX County Sherif Dept. I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/2019 Suntrust Bank placed an hold on my business account for no reason and my {$7200.00} has been held until today. I tried to contact Suntrust several times but they keep telling me that my account is under review. This issue really affected my business, it has been 2 weeks now and I can't do any business transaction while my capital is held
Consumer complaint received 2019-05-30
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: EQUIFAX, INC. (FL)

I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Consumer complaint received 2019-05-30
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. (AZ)

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX  XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (MD)

on XX/XX/2018, my account was compromised by a hacker from Brazil. He presented charges to Suntrust against my checking account for {$100.00}, which was denied. The hacker then presented for charges to Suntrust for {$200.00} and this was also denied. The hacker tried again and presented for charges to Suntrust for {$400.00} and {$2.00} and Suntrust paid the hacker these XXXX charges. I suspect that Suntrust paid the last XXXX charges totaling {$400.00} to overdraft my account so that Suntrust could profit from the overdraft fees. I must mention that all of the charges were done in succession ; XXXX after another. Now my checking account is in the negative and charges for bills that normally come from that account are creating additional overdraft fees, charges, and withdrawals from my savings account. This is the second time that Suntrust has been negligent with my funds and information. I did receive a telephone call from the Suntrust Fraud Division AFTER it paid the XXXX fraudulent charges.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XX/XX/2019, I reapply for a chase credit card. It's 5 times in six months. My credit has been XXXX. I also have a checking account for 3 years. I called for reconsidering my credit but I was treated like garbage.

I have numerous credit cards in which are in excellent standing. 
According to them is a XXXX XXXX XXXX and XXXX card that shows delinquent. But i have proof that was paid in full months ago. 
I really feel discriminate because my credit improves from XXXX to XXXX and they always give me an excused. 
Thanks