davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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. (IL)

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 719XXXX has me at a score around 590. 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-01
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: Rocket Mortgage, LLC (CO)

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. The following accounts are on XXXX as hard inquires XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX I'm not sure why capital one keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for XXXX, I don't even know who that is and why would anyone apply to the same consumer that close together? 

This was my original complaint, company responded with a letter stating I spoke with someone on XX/XX/XXXX. I know in fact I did not, and if that is what you are claiming you need to provide me with written proof and my signature on file gaining permission to pull my credit. I have had fraud on my account, and it is not uncommon for someone to call and act like someone else. Under the FCRA you may be able to pull credit via " a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to obtain your credit report. '' But also, under the FCRA, you have to provide me with accurate proof that it was me, my signature. If you can not provide it, you must delete it as you have to be 100 % true and accurate.
Consumer complaint received 2022-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I am interested in consolidating my XXXX loans into a Direct loan, in light of the recent change in policy announced here : XXXX XXXX XXXX  This announcement states that prior payments made to the XXXX loans that are consolidated into Direct loans will count towards the Income Driven Repayment plan forgiveness. 

However, the loan consolidation application on the studentaid.gov website states the opposite, in section J. It states : " J. Any payments I made on the loans I am consolidating ( including any Direct Loans ) before the date of consolidation will not count toward : The number of years of qualifying repayment required for loan forgiveness under the XXXX Plan, the XXXX, the XXXX Plan, or the XXXX XXXX ( see XXXX Item XXXX ), or The XXXX qualifying payments required for Public Service Loan Forgiveness ( see XXXX Item XXXX ). '' I called XXXX XXXX XXXX XXXX XXXX ( XXXX ) and stated that I do not want to sign a loan consolidation agreement that contains provisions that conflict with the policy announced in XXXX. The agent said that there is only XXXX consolidation application. I asked to escalate the issue to a XXXX and was told that IF the consolidation agreement is updated that I would be able to see it in the announcement section of the XXXX website. This is simply not acceptable. 

It is unfair and unconscionable that I am being forced to choose to rely on public statement of policy regarding prior payments and pray that this statement is adhered to, when the actual agreement I am signing does not reflect the policy. I am only interested in consolidating my loans into Direct loans if my prior payments are counted for purposes of XXXX forgiveness. 

In light of the conflicting information, I do not want to sign a loan consolidation agreement that reflects terms that are not in my favor ( because it states that the prior payments on the XXXX loans will not count towards XXXX forgiveness ), and if enforced as written, which would cause me to lose many years of repayment.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : not my social security numbers XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex FCRA violations : accounts not mine XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$750.00} Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$6.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Open.
Consumer complaint received 2022-06-30
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. (MI)

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 719XXXX has me at a score around 590. 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 XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-28
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX SC XXXX ) # XXXX has violated my rights. 

( Original Creditor : ) # 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 2022-09-21
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. (MN)

A collection of {$90.00} showed up on my credit report on XX/XX/XXXX for an unpaid XXXX XXXX bill in XX/XX/XXXX. I quit claim deed and was no longer the owner of the property in XX/XX/XXXX. Apparently the tenant of the property did not pay their electric bill in XX/XX/XXXX and XXXX XXXX filed the collection against me and sent to collections through XXXX. XXXX XXXX XXXX. I filed a dispute with XXXX, XXXX and Equifax. Both XXXX and XXXX confirmed I was not the owner and deleted the collection from my credit report. Equifax has not deleted this collection from the credit report.
Consumer complaint received 2022-06-30
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. (TN)

According to the Fair Credit Reporting Act, XXXX XXXX XXXX is in violation of my rights, this corporation is reporting transactions on my consumer report. According to 15 U.S.C 1681 2A states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. I have contacted this company to remove this account from my consumer report and they have not fulfilled my request. 15 U.S.C 1681 also states that an account can not be furnished without my written consent. This account is currently on my consumer report.
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (PA)

As an uninformed consumer, I entered into a loan contract which is I am now informed is supposed to be a consumer credit transaction with Department of Education for higher education. I, the consumer, was uninformed of proper disclosure and opt out options for this extortionate contract. Furthermore, I, the consumer, have been violated through tarnish of reputation with reports to the CRAs. Department of Education have communicated without written permission inaccurate information and has committed identity theft because no permission is theft. 
Attached is a cease and desist and copy of consumer reports
Consumer complaint received 2022-07-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opend an acct with citi as they advertised that If I opened an acct with {$5000.00} and leave it there for 60 days I would receive an incentive of {$200.00} I opened on XX/XX/XXXX after XXXX XXXX I Called XX/XX/XXXX the agent I spoke with confirmed that I would get the incentive, he was not sue about when That would take place. 

I called on XX/XX/XXXX Spoke with an agent who put me on hold XXXX she then infomred me I would get teh incentive I would need to leave the money there until " XXXX '' I asked to speak with a XXXX. 

A lady came on she also put me on hold and returned to tell me I would not get the incentive as " it's for chekcing only ''
Consumer complaint received 2022-06-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$580.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-21
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. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 

1.XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 4.XXXX XXXX Account # XXXX 5.XXXX XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A . States i have the right to privacy.

15 USC 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MD)

On XX/XX/2022, I notified Citibank of a dispute with a purchase made on the account on XX/XX/2022, in the amount of {$490.00}, and on XX/XX/2022, and XX/XX/2022, upon request, I provided a detailed explanation, in writing, of the dispute. However, on XX/XX/2022, I receiver a letter from Citibank stating that " we have received your recent correspondence regarding the above transaction however, we are unable to intervene on your behlaf. Without a valid Cancellation Proof, we no longer have any recourse to obtain a credit for you through XXXX XXXX. You must contact the the merchant directly to puruse this matter further. '' By letter dated XX/XX/2022, I notified Citibank that it miscoded the dispute, and reiterated the basis for the dispute. Specifically, I explained that " this was a face-to-face transaction. The service was promised on XX/XX/2022 ; however, it was not received nor rendered on the date promised. Furthermore, I did not agree to any of the merchant 's terms and conditions, and did not sign any documentation provided by the merchant since the service was not received nor rendered on the date promised- which is proof that the service was not received nor rendered on the date promised. '' I also advised Citibank in that same letter that " the sale transaction reeipt was not signed authorizing the merchant to charge the transaction to the account. '' I therefore requested that that merchant provide a valid cardholder signature that authorized the transaction to be charged to the card. I pointed out that " unless the merchant is able to do so, it is not entitled to retain the funds and this transaction must be charged back to the merchant. '' Despite this correspondence, Citibank has failed to do anything or take any action to resolve this dispute.
Consumer complaint received 2022-06-30
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: CITIBANK, N.A. (OK)

I made a {$750.00} payment that has been debited from my bank account. The payment is not being reflected in my available credit. I have attempted to resolve this with the credit card company but have been unsuccessful. The company is holding my money illegally.
Consumer complaint received 2022-06-30
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: Exeter Finance, LLC. (GA)

I have reached out to said companies several times about the inaccurate information being reported on my report. 
In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) 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 7 years.

15 U.S.C. 1681s-2 states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-01
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. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-06-07
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 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States that 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 instruction.