davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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. (MT)

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. EQUIFAX has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with EQUIFAX. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2017-03-25
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc. (FL)

( SANTANDER CONSUMER USA ), continued attempts to collect debt I do not owe. 

I have disputed ( SANTANDER CONSUMER USA ) account number XXXX because the debt is not mine with the XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But to no avail the item remains on my report. 

( SANTANDER CONSUMER USA ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NM)

I recently sent XXXX letters over the last XXXX months and I do not feel as though Experian has helped me the consumer at all. I even sent them proof that the XXXX account was paid in full and they have not bothered to update this account for me. I do not feel as though they have even bothered to investigate the accounts that I have questioned. They have not bothered to send me an updated credit report either.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (GA)

XXXX, XXXX claims they received the following inaccurate information from XXXX which has caused me not to secure housing and has rendered me homeless. I have not given XXXX of anyone consent to share any information regarding me or my credit history. 

The following information is what XXXX reported. below :. 
Your XXXX credit score : SCORE DATE : XX/XX/ XXXX scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROPORTION OF REVOLVING BALANCES TO REVOLVING- This is a billing error since all credit is commercial and open ended. 
CREDIT LIMITS IS TOO HIGH, TIME SINCE DELINQUENCY IS- This is a billing error since all credit is open-ended there is no limit. 
TOO RECENT OR UNKNOWN, INSUFFICIENT LENGTH OF CREDIT HISTORY, SERIOUS DELINQUENCY- This information being reported is completely inaccurate
Consumer complaint received 2020-06-20
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2022-02-24
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX  ) XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Back in XXXX of XXXX I gave XXXX XXXX {$980.00} to release me from the apartments. The manager told me since I paid the fee it would not go on my credit but they lied to me. I called the apartments in early XXXX of XXXX about the situation and they said that their system is showing that I never lived there.They also put the wrong name on my receipt in which I still have. I have ask for this to be removed from my credit but its still in there.
Consumer complaint received 2022-02-24
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. (FL)

I, XXXX XXXX am writing this complaint today about my XXXX XXXX account that is reporting inaccurate information across all 3 credit bureaus. The account is posting as an delinquent account however, on my account all payments on this account since I had it from the beginning of XXXX have been on time with no late payments however, there is a 30 day late payment reporting for XX/XX/XXXX that is incorrectly reporting. I have never missed a payment o this card and I need this fixed as I am going for a mortgage loan and this incorrect information on my report is severely hurting my score where I can not get approved for my dream home
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

There is a charge on my credit report from HSBC that is over 10 years old. I have contacted the company and asked for the contract showing this is a valid debit and they have refused to send what I am asking. All they have sent me is a statement telling me this is a valid date, but no signed contract.
Consumer complaint received 2023-03-29
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. (FL)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX {$0.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2020-01-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

In XXXX, a young, XXXX, and naive XXXX year old signed a few private student loans through Sallie Mae ( now Navient )  for a GRAPHIC DESIGN degree. That XXXX year old was me. One of the loans I signed was for {$33000.00} at 10 % interest rate ( that should be criminal that they let me do that ). From XXXX to XXXX I went through a series of forbearances and deferments to avoid paying the loan because I couldn't afford too. In XXXX I ran out of ways to defer the payments. This is when I went on a rate reduction program through Navient. I was only able to go on this program because I complained through CFPB ( so, thank you for that ). Once I got on the program ( through Navient ) I was good to go. They reduced my interest rate down to 1 % ( my balance was almost $ XXXX ) reducing the rate to 1 % was perfect. It lowered my payment down to {$700.00} a month AND money was actually going toward my principal, which was great. Fast forward to today. They apparently initiated something to where my rate is now 5 % and it's interest only. So, I'm getting no where with paying down my loan and paying close to {$900.00} a month. The payment is too much and I need some of that payment to go toward principal. I tried talking to someone at Navient about it but they stated they weren't able to do anything. AND that amount it going to keep going up every 6 months.
Consumer complaint received 2022-08-25
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)

I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 

Uquifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according 15USC : I have the right to privacy and I did not give equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-27
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: Experian Information Solutions Inc. (OH)

I sent a letter to all 4 3 credit bureaus XXXX, Experian, XXXX in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true
Consumer complaint received 2022-11-21
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: LEXISNEXIS (TN)

On XXXX I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX, and XXXXXXXX XXXX, that several of the rights given to me by Congress have been violated. No account can be furnished on my credit file without my written permission. I have given nobody written permission to furnish a XXXX or XXXX on my file. I am demanding that they cease and desist any conveying of information directly or indirectly to any person through medium regarding these false debts. I have filed an identity theft report. Being that Im a victim of identity theft, all consumer reporting agencies and secondary agencies must remove and block these accounts within 4 days of being notified. It is past 4 days so they are in violation. Also reporting any account as a charge off is illegal and is considered tax fraud by the IRS.
Consumer complaint received 2023-03-29
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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. (TX)

XX/XX/XXXX BOUGHT FURNITURE AT XXXXXXXX XXXX NEVER GOT COPY OF CONTRACT AND SIGNED ON TABLET AT STORE WITH 2 OTHER WITNESSES. WAS TOLD WOULD RECEIVE ALL IN MAIL WITH COUPON BOOK. NEVER RECEIVED COUPON BOOK TILL EARLY XX/XX/XXXX. FIRST PAYMENT STATED DUE ON XXXX RECEIVED CALL ON XX/XX/XXXX SAYING LATE AND PAID BY PHONE MY BANK TRANS # XXXX XXXX CONTINUED TO LUMP MY PAYMENTS UP AS THEY REPORTED TO CREDIT REPORTING AGENCIES SHOWING ME LATE INSTEAD OF FIXING MOVED ON MY CREDIT REPORT AS LATE FROM XX/XX/XXXX TO XX/XX/XXXX. PAID THOSE MONTHS SOME IN ADVANCE AND XXXX  NEVER HAD PAYMENTS APPLIED CORRECTLY TO EVEN KNOW WHEN I WAS DUE. SINCE THEN MY INSURANCES HAVE INCREASED 40 % FOR MY AUTO, BUSINESS, MY CREDIT SCORE DROPPED DRASTICLY, I HAD ONE CREDITOR LOWER MY CREDIT CARD LIMIT FROM XXXX TO XXXX INCREASE INTEREST COSTS AND DENIALS AS WELL. I ALSO PAID THE 36 MONTH ACCOUNT OFF IN 8 MONTHS
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (KY)

Coinbase has not allowed me to access my account for the sake of obtaining tax documents. As my prior three CFPB complaints against Coinbase show in great detail, Coinbase 's other customer service issues forced me to use multiple email addresses, including one email address that no longer exists, to access and ultimately transfer my wealth. 

At this point, all attempts at resetting my password require access to my old email address, per email correspondence with Coinbase and three customer service calls ( two calls on XX/XX/XXXX and one call on XX/XX/XXXX ). I no longer have access to said email address and it can not be reactivated ( it was an old email from college that expired in XXXX ). The representative I talked with on XX/XX/XXXX said there is absolutely nothing she can do to help me access my account and subsequently my tax documents without access to the inactive email address ( which again, I only linked to Coinbase due to a previously filed complaint on erroneous trades ) despite providing all corroborating account information, such as legal name on account and the final four digits of the bank account to which funds were transferred to my Coinbase accounts. 

I'm exhausted from working with Coinbase. They can't service customers in the most basic ways. I have already sold all of my crypto so I no longer have to access the platform moving forward, but I just want my XXXX tax documents to file with the IRS. 

This continues to be an absolute nightmare of customer service.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (MN)

In Discover Bank 's response to my Consumer Financial Protection Bureau ( CFPB ) complaints -- CFPB complaint ID XXXX and CFPB complaint ID XXXX -- the response provided by XXXX XXXX in Discover 's Executive Office of Customer Advocacy department very clearly and plainly makes public on the CFPB 's website, my name ; my address ; my phone number and information related to my prior Discover credit card accounts. This is a gross misuse of my personal information and personal data ; there is no reason that such private information and personal information should be posted into Discover 's response to the CFPB -- a response that the CFPB will make public to all consumers. Once more, Discover Bank has proven that they are consistently violating my privacy rights, this time by copying and pasting my personal, confidential and sensitive data into their online reply to my complaint, which is now accessible to any person of the public who can view this complaint. Discover is knowingly retaliating against me by making public my personal, private and confidential data through the CFPB complaint process. Discover Bank should have known that copying and pasting the sensitive and confidential parts of their reply to the complaint, into the online and public complaint portal, would knowingly cause that information to be accessed and misused by the general public. Discover has acted in an unfair, abusive and deceptive manner. Discover also does not address their unfair, abusive and deceptive marketing practices in their response ; they only apologize for MY misunderstanding. The issue is not mine. The issue is Discover 's unfair, abusive and deceptive marketing and credit practices, all of which are not addressed in XXXX XXXX. 's response, other than to grossly misuse my personal and confidential data.
Consumer complaint received 2022-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC (VA)

While reviewing my credit profile I found a paid collection from this company. I have never heard from this company and have not had any communications with this company. I was not given any information regarding this debt. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge.
Consumer complaint received 2021-08-04
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: BAS Receivable Management Inc. (CO)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX  and XXXX. Please help me resolve this issue as it should not have been on my report to begin with.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

Graduated in 2008 with my XXXX  in XXXX. I returned to school for XXXX semesters working on my XXXX. Although loans were in forbearance I was told if I made some type of payment it would keep interest down and not be held against be. I owe approximately XXXX more now than when I graduated. The interest and fees I wasnt told about have pushed me well over 100k, I applied for public loan forgiveness and my employment qualified from XXXX but I can not get them to remove the forbearance and school deferment so I can qualify. They are counting XXXX payments on XXXX loans and XXXX on the XXXX. I have XXXX that they are saying dont count. XXXX is the number I need to be forgiven. Please help me! I am XXXX XXXX XXXX and through the years have been given so much wrong information. I feel like XXXX XXXX  owing student loans.