davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2016-06-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (NC)

CHASE AUTO MADE XXXX HARD INQUIRES ON MY CREDIT REPORT AND I WAS TOLD THAT THEY WOULD BE REMOVED BECAUSE IT WAS DONE IN ERROR AND SO FAIR THE HARD INQUIRES ARE STILL THERE HURTING MY CREDIT REPORT
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX I went to Chase bank at XXXX XXXX XXXX, to withdraw XXXX dollars. 
I was asked for my social security number which I refused to give. 
XXXX the teller was given a valid Ca.identifcation by me.He then called XXXX who also agreed that my social security number was needed. I called another branch ( XXXX XXXX ) and was given the managers name, so that I could report this negative experience, which was giving my full S.S number so that I could withdraw XXXX dollars. 
I was then in touch with XXXX XXXX on XXXX Who called me at home hours after having XXXX that same day. 
On XXXX I spoke to XXXX XXXX & explained my situation, I told him which bank I was going to this day, which was the XXXX XXXX. XXXX. 
I got to the bank around lunch time, thought I had done my business when the teller informed that my account was being closed so they wanted to do a reversal of my transaction. 
I was directed to banker XXXX I then called XXXX XXXX who wanted to talk to XXXX in a bit. 
I then asked to wait for XXXX the manager whom I have known for many years. 
XXXX then closed out my account, being totally freaked out. 
I have direct deposit & needed a check so I could pay my rent. 
I am a XXXX year old woman that did not need to have almost 5 thousand dollars on her person when leaving this bank. 
When I got home I called XXXX XXXX about what was going on he informed me that I was in an altercation at the XXXX XXXX XXXX branch. 
That is not true & why didnt XXXX XXXX inform me of this before I went to this branch, now I know why he wanted to whether I was going to XXXX XXXX branch or the XXXX XXXX XXXX. 
I am shocked at this behavior as XXXX XXXX knew about my XXXX a week ago. 
XXXX XXXX could have shown dignity as well as empathy. 
I have no qualms transferring to a new bank but not to have been sent a letter or told that my account was being closed to avoid checks being returned & my social security checks which are direct deposited This was a terrible experience & I hope no other senior faces this total lack of service &  demeaning experience I am a XXXX Year old XXXX woman & I believe the police would have been called if I was in a active altercation
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

To Whom It May Concern : I am thrilled to finally have obtained a gas card during a pandemic. However, I was surprised when I noted the Chevron Premium Card XXXX TX XXXX XXXX for {$25.00} billed to my account. This was and is not authorized and must be canceled, reversed, and credited back to my account immediately. Failure to do so will result in account closure and a small claims suit being filed.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NJ)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and fidentiality under 15 USC Account # XXXX. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Has violated my rights 15 u.s.c. 1681 section 602a.

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.

15 u.s.c. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records. 
Of the convictions of crimes Which antedates the report of more than XXXX  years. 
15 u.s.c. 1681-2 ( 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 accurate
Consumer complaint received 2020-03-03
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: Premier Auto Credit (CA)

The account is closed but it has not been removed from my credit report. Also, a date on another dispute is incorrect and after investigating they said it was correct when it is not correct.
Consumer complaint received 2022-02-25
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)

On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NJ)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and fidentiality under 15 USC Account # 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 Has violated my rights 15 u.s.c. 1681 section 602a.

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.

15 u.s.c. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records.

Of the convictions of crimes Which antedates the report of more than 7 years.

15 u.s.c. 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer To any consumer reporting agency If the person knows XXXX has reasonable cause to believe that the information is accurate
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

In XXXX of 2020 I disputed XXXX XXXX with XXXX XXXX and the account was deleted. The amount owed is wrong since the collection is apparently a contract penalty for canceling. I never had a contract with the company. I never received any collection info in writing from this company it just appeared on my credit report.
Consumer complaint received 2022-02-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

My name is XXXX XXXX XXXX and my account ALLY FINCL with the account number XXXX is being reported inaccurately. The date of the last activity of the account is XXXX and the payment history is reporting the years XXXX? I am disputing this account because they are re-aging my account. This practice is illegal and must not be tolerated. Please see the attachments I sent.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have sent information pertaining to XXXX XXXX being removed from my credit report because it was included in my bankruptcy. I sent this information to all XXXX credit reporting agencies. XXXX and XXXX have sense removed it. Equifax on the other hand has not. I have sent Equifax the information 3 times and it has now been a year maybe a little over. The account has been sent to a collections agency called XXXX. I talked to them and they said they will not remove it out of collections because judgement was before I filed bankruptcy. XXXX XXXX received bankruptcy and forwarded it to XXXX XXXX and they still will not take it off my credit report. Now they are saying that I owe more money because I never paid. Why would I pay when it is part of my bankruptcy. 
Why is it that XXXX credit reporting agencies have removed it yet Equifax refuses to do the same?
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXXXXXX, and XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2016-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (ND)

I had XXXX accounts through Pinnacle Credit Services , LLC that were in collections. In XXXX 2015 I paid both of them. Pinnacle has continued to report on my credit that it is a zero balance, but that the accounts are in DISPUTE. I have contacted them via phone and in writing, and told them it 's not in dispute, but they will not fix it and I can not close on a home loan. The bank I am working with for my home loan has also tried helping us, but Pinnacle will not change the status to " no longer in dispute ''.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (UT)

Experian received communication via notarized signed affidavit to NOT add any Fraud or OFAC alerts to my Experian report without my consent. Experian willfully and negligently added a Fraud Alert anyways on XX/XX/2017. Here is the XXXX tracking of the certified letter sent to them that CFPB can google, XXXX. I have attached the affidavit sent to Experian as a record to the CFPB. It does n't have my notary information listed for my privacy protection.
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (FL)

While in the process of closing on my house this company popped up on my credit report regarding an account I closed 5 years ago. This account closed because I no longer worked for the company. I have records showing that the only balance I owe is {$.00}. This company of attempting to collect {$1200.00}. I was never notified of this balance until 5 years later.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

I am disputing the Hard Inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX Made on XXXX XXXX 2015. 
I have attempted to request of them to remove the hard inquiry since I did not initiate it. 
They CAN NOT be reached as XXXX reports they have gone out of business. 
XXXX THEREFORE, neither can Experian to verify this is a valid hard inquiry, that I requested which it is NOT, therefore since the I contest it is not and have done due diligence by reaching out to the furnisher and they have nor can not respond, I am requesting this Hard inquiry be removed in accordance with federal law.
Consumer complaint received 2022-02-25
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. (WI)

Hi I am submitting this XXXX XXXX without 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 XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2016-01-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America charged me a {$35.00} overdraft fee on or around XXXX XXXX. I contacted XXXX to insure they would not attempt a second request for payment electronically and subsequently requested Bank of America XXXX XXXX XXXX branch close my account on XXXX XXXX. The teller refused to close my account and insisted that I had to speak with an account representative elsewhere in the branch. I did not have the time nor do I think it is necessary for me to explain to anyone why I am leaving their bank. As a result, they have charged me an " extended overdraft fee '' for another {$35.00} and $ XXXX monthly maintenance fee. Their banking practice is extorting money at the expense of consumers requests to leave. I am concerned about their actions, their access to my financial information and possibly reporting negative information to the XXXX credit bureaus.
Consumer complaint received 2016-10-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (AL)

I took out a {$500.00} online loan from Big Picture Loans. I was under the impression that it would be a {$150.00} finance fee. It was n't until after the funds were disbursed that I was made aware of the Truth in Lending Disclosures and that the finance charges were actually XXXX with an 542.4636 % annual percentage rate. I am now stuck paying over {$2000.00} for a {$500.00} loan
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I contacted them to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested this information.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (GA)

I have notified IC Systems that this debt is not mine on several occasions. I have asked them to remove this account from my credit file since this account was open as a result of identity theft. To date, IC Systems have not removed this account from my credit file. I need your assistance in getting this matter resolved.
Consumer complaint received 2016-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MO)

Recently found out the school XXXX XXXX XXXX XXXX I graduated from in XXXX, is now being forced to shut down in XXXX, while I 'm still left paying federal and private student loans that were taken out for me by the school. I understand that there are options for currently enrolled students and students who withdrew from the school within 120 days to have their loans forgiven. I 'm researching to find if there are benefit options for people like me who has graduated from there but are left paying for a degree from a school that is now shut down.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (MD)

I consolidate ALL of my student loans XX/XX/2015 and was previously with XXXX. I had an outstanding loan with XXXX College which was paid in full once my loans were consolidated. For some reason XXXX is still reporting negatively on my credit reports. Now that my loans have been consolidated with FedLoan, I was advised to apply for an Income based repayment plan which resulted in over {$800.00} a month which is not financially feasible for my family size and monthly financial obligations. Is there something that can be done. I am trying desperately to clean my credit and these loans are out of control at this point.
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (KS)

A Man XXXX called, XXXX XXXX XXXX XXXX XXXX ... we talked for several weeks about a loan transfer with no interest for the entirety of the balance, pay {$700.00} up front and then transfer for a interest free note. I got the paperwork and it is set for a 22.5 % rate!!! 
I did not agree to this. I have called Barclays many times trying to straughten this out. No relief. They have closed this acct. and are pusuing payment. I refused to pay until they gave me what I agreed upon. They say they do not know who offered this to me, I have been misinformed!