davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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 2022-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I was in college XXXX. I was advised to consolidate my loans and they locked me into an 8.25 % interest rate. I struggled to pay my loans after college, I was advised to go into economic hardship forebearance for 3 years. I was also then advised to go into regular forebearance for 3 years. I was in forebearance for 6 years. NO ONE at Sallie Mae or then it became NAVIENT ever explained to me that the interest that accrued would be added to the PRINCIPAL of my loan and then I would get charged 8.25 % on that even higher amount. " CAPITALIZATION '' is what it was called and I never knew what this meant or the detrimental effects it would have on my loans. My loans started at XXXX and are now {$230000.00}. This is ridiculous. I will be paying these until I die. Sallie Mae and Navient had predatory practices to me with my XXXX loans that they locked me into 8.25 % forever. These loans were further complicated because I could not afford to pay them or keep up with my credit card debt after graduation. I was being sued by XXXX so I was forced to declare bankruptcy. I was told that my loans were not eligible for bankruptcy discharge. The judge ruled that I was not eligible for Chapter 7 to have my credit card debt wiped, but that I must declare chapter 13 and PAY all the XXXX in credit card debt I owed. The IRS put all of my student loans into forebearance again and forced me to pay off my credit cards over a 5 year time frame. 

The credit card companies were also predatory. XXXX especially. They came to my college campus in XXXX and teased us with free XXXX XXXX tshirts to get a credit card and then gave all of us HUGE spending limits. All my friends did the same thing I did. I had NO parental help in college, I was struggling to make it myself. My parents refused to support me financially. I had 2 jobs the entire time in college. 

So my student loans were in forebearance for several years. I was a victim of predatory practices by Sallie Mae/Navient as well as XXXX. The banks have ruined my life. They locked me into 8.25 %. 

I never understood that I have private loans -- and someone explained to me that I could switch them over to Federal loans and then I would be eligible for more benefits. I did this and sadly it STARTED OVER my payment clock. So ALL the payments I made do not go towards my XXXX 

Also, because I graduated earlier, I am NOT eligible for the newer XXXX plans. This is ridiculous. 

This system has failed me over and over again. The banks have ruined my life. The banks have had a XXXX XXXX XXXX XXXX for all these years. 

I request a review of these issues and some kind of hopeful relief.
Consumer complaint received 2022-06-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX have 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 2022-06-27
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 Credit Reporting and XXXX, the following account numbers listed violated my privacy. 
Account Public record ( Bankruptcy ) Reference number : XXXX, Collection accounts : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Inquiries : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-07-28
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$90.00} XXXX XXXXXXXX Balance : {$31.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-20
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)

I have been a victim of identity theft for 3 years, I have tried to rectify this situation with the credit bureaus and they have failed to remove all of the fraudulent information from my reports. XXXX has refused to do a thorough investigation on 3 separate occasions. They have verified information in less than XXXX hours in each dispute. The creditors have removed the accounts from the other 2 bureaus. The accounts are as follows : 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, XXXX XXXX XXXX XXXX AND INQUIRIES XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-20
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 2022-06-27
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. (PA)

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 U.S.C 1681. 

1. U.S. DEPARTMENT OF EDUCATION XXXX 2. XXXX XXXX XXXX XXXX. XXXXDEPARTMENT OF EDUCATION 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 reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also I reading the FCRA and noticed the Credit Reporting Agency violated these Laws as well. 

15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681a. ( e ) 15 U.S.C. 1681b. ( A ) ( 2 ) 15 U.S.C. 1681i. ( 5 ) ( A ) ( i )
Consumer complaint received 2022-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I received a letter of Collection from transworld system Inc XX/XX/22 amount {$930.00} I have never signed my Signature or was made Aware of any transaction with this company I have a I have a statement of the account showing a {$0.00} balance with my heath Insurance information attached He also violated my HIPAA right Showing procedures I was admitted for
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX, XXXX XXXX  and XXXX XXXX which were transferred from my wallet utilizing your services.
Consumer complaint received 2022-06-27
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: ACIMA CREDIT, LLC (MI)

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 

15 U.S.C 1681 Section 602 A. I have the rights 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 2022-09-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MN)

XX/XX/2022 : I entered the Wells Fargo branch in XXXX XXXX, XXXX  off of XXXX XXXX and I authorized a wire transfer of {$13000.00} to be sent to a recipient. 30 minutes later on XX/XX/2022 I called and canceled the wire transfer over the phone with a branch representative. The representative said they will intercept and cancel the transfer as the delivery date would not have been until XX/XX/2022. 

On XX/XX/2022 my money was deducted from my account against my request to cancel the transaction.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OKCoin USA Inc. (FL)

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services.
Consumer complaint received 2022-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I have made several calls and sent XXXX emails over the past XXXX months to get resolve in having my student loan repaid. 
My complaints have not been addressed by the XXXX, despite the promised changes since XX/XX/XXXX that Borrowers will receive prompt redress of forgiveness. 
I have made over 130 qualifying payments to XXXX, all during the time i have been in the full time employment as a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since late XXXX, i have been qualified to have my federal student loans forgiven. As a loyal XXXX  employee, and as i promised, i have doing my service, cumulative well over 12 years, showed up at XXXX, worked through lunches and late, to provide mental health service to our nations heroes, XXXX XXXX soldiers and their dependents. 
Fedloan service is not keeping the promise under the new administration ; the agency is forcing me to forfeit many months of qualifying service, adding to the total cost of my student debt, creditworthiness and ability to borrow. 
Currently, i show XXXX payments not counted as qualified, even though they are, as i continue my employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX currently. That means i am 6 months, MY COUNT, ahead of Loan Forgiveness all the while i have participated formally in the PSLF program, and kept my promise. 
I really would like a resolve of this. It is unseemly, it is unfair and indecent that this is not being resolved where it should, at the Lender.
Consumer complaint received 2022-07-28
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: CITIBANK, N.A. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge CITICARDS CBNA XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and CITICARDS CBNA XXXX Date Opened : XX/XX/2013 Balance : {$14000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-07-28
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)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ADP Inc. (NM)

After leaving my job with a company named XXXX, I requested a distribution check from ADP/XXXX to roll over the XXXX that was managed by the company into a personal IRA. 

ADP/XXXX XXXXharged a {$40.00} fee for this check, which is higher than I have experienced with other companies, and seems a tad extortionate just for mailing out a check, given that I never had the choice to use ADPXXXX for my retirement account in the first place. 

Additionally, the Distribution Statement that I received made no mention of the {$40.00} fee, which seems intended to obfuscate. They did notify me verbally of the fee when I requested the distribution, but the omission of the fee from the final statement seems highly questionable. 

If possible I will attach a scan of the distribution statement which omits the fee, as well as a transaction history screenshot of my ADPXXXX account transaction history, which shows the fee, but which I had to intentionally seek out for the purposes of filing this complaint.
Consumer complaint received 2022-07-28
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. (MO)

conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-20
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. (NY)

I have disputed the referenced accounts to the 3 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 3-4 months.