davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA laws for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Data Systems (TX)

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.
Consumer complaint received 2022-08-31
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. (CA)

In early XXXX, there was a huge lawsuit against Navient from the state of California to wipe out private loans for those that attended the listed " for profit '' schools throughout the US in which one of the schools listed is XXXX XXXX University that I attending from XXXX. After reading an article about this lawsuit, I was expecting a letter for some or all forgiveness of my private loans but I received a statement of payment instead. I called Navient why my private loan was not part of the lawsuit and they mentioned it was because my loan was not in delinquency therefore my loan was not a part of the lawsuit. I explained to them that if I had not attended school in the past 2 years, my loans would have been in deliquency as my loans were in forbearance for several years because I couldn't pay what was expected from Navient. They tried to tell me that I would be able to pay off my interest only for 6 months for about $ XXXX month but even that isn't manageable for me. I asked them if I could someone come to the agreement of paying XXXX or XXXX a month toward my loan but they said I can but it would still put me in default. Since then I have not been able to make a payment and am now 5 months behind so recently they sent a letter that they are going to take legal action. I don't understand why my loan was not a part of the lawsuit. Despite the status of my loan, the lawsuit that won against Navient were allegations against the for-profit schools that took advantage of borrowers by adding illegitimate charges and predatory lending practices. I graduated in XXXX with XXXX in debt and now I am more than XXXX in debt in which I will never be able to pay off. Please see the link below about the lawsuit. 

https : //www.navientclassactionlawsuit.org/do-i-quality-for-navient-settlement/
Consumer complaint received 2022-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (CA)

Called XXXX XXXX  found online at XXXX on XX/XX/22 to inquire about a loan. Was transferred to Wilshire credit spoke with XXXX XXXX whom told me all they do Initially is a soft pull on XXXX. I gave him my partial ssn then stopped and asked him again and he reassured me only a soft pull would be done at this time. Well XXXX XXXX after giving him the rest of my ssn I checked my XXXX online and there was a hard inquiry from nocom/Wilshire credit XXXX I have repeatedly called them and they insist they only do soft pulls. I have contacted nowcom at XXXX I was told XXXX from compliance would get in contact with me XXXX and this has never happened. XXXX has removed this inquiry based on fraud but Wilshire credit is lying to consumers about doing soft pulls. On XXXX XXXX web site it says nothing about Wilshire credit and that its a tittle loan company. This is a scam they never have admitted it was a hard inquiry I even screen shot my credit report and showed them through email. Supposedly it was sent to upper management and the response was its only showing as a soft pull on are end I spoke with XXXX XXXX again he said he would call me back and that never happened. My application # was XXXX which was denied but thats ok I got a loan from a credit union with no issues. Wilshire credit is giving customers fake information probably just to generate loans to get more buisness. My phone # is XXXX for any questions you may have. I also have XXXX XXXX phone number which I can provide if needed. I spoke with a supervisor with Wilshire XXXX XXXX and he said pretty much said his hands are tied. Please reach out to me for any further information. Thank you XXXX XXXX.
Consumer complaint received 2022-09-01
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. (FL)

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

Equifax is govern by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I didn't not give Equifax written permission to furnish these accounts. 

BANK XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX BANK Account Number XXXX XXXX XXXX BANK  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX BANK XXXX Account Number xxxxxx XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-14
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: Experian Information Solutions Inc. (CA)

I had originally contact Experian on XX/XX/2017 regards to numerous unknown inquiries sometime multiple and asked them to investigate or remove the inquiries the customer service rep was uncooperative and said I need to contact the companies in question. I advised them I did already reach out and also have sent letters with no responses. Experian was still unwilling to assist me and said they will not accept my dispute. inquiries : XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES
Consumer complaint received 2022-11-06
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. (OR)

Navient is my personal student loan lender. I am currently 6 payments behind total of late missed XXXX and total late balance of XXXX. I have made a call every month asking for flexibility and the representatives say the same thing " that my past due balance must be paid and my account current before they can offer any type of deferment. '' I don't have the money or I would pay it as I explain that every call. Navient calls my phone 6 or more times per day with different number as if to disguise who is calling it's biardering harassment. In the statement documents it even states " arrangements can be made to bring my account current with different repayment plans. '' When I ask about those plans the representatives say that same thing about me paying my past due first. Navient is not doing what is said in those letters and won't let me apply for any options until the past due is paid. I have had a troubled relationship with Navient with both my private loans and when my federal loans were serviced by them. I have had loans with them since XXXX yet my documents that are available for me to read only go back to XXXX. I just want to done with Navient as they are not honest and led me to deferment for years with my federal loans and now the interest has doubled my amount to {$100000.00} in total student loans debt. I feel hopeless in this situation as now they threaten with turning my account over to a lawyer for collection and to take legal actions. I don't have any options to work with them to resolve my account.
Consumer complaint received 2017-08-14
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: ID Analytics, Inc. (GA)

As of XXXX XXXX 2017 my credit score was XXXX. I applied for a credit card and it came back declined from XXXX XXXX XXXX due to the reporting agency Sagestream LLC reporting my score as XXXX in XXXX of 2017. I have NEVER missed ANY type of payment and have always had very good credit until SagestreamLLC was involved. I read other complaints of other people online having this same problem with Sagestream. I am very angry about this company having a negative impact on my credit.
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NJ)

XXXX this is my Complaint Id #. I have explained everything, not sure what is going in with this case? 

I refuse and will not pay anything I was frauded on. This will have to be in collections because I am not paying this. I do not know this person, and have no idea why are people getting away with XXXX people out of thousands of dollars. It is very sad that this is being done and no one is helping us. Why would I authorize and send someone money that I barely have, I live from check to XXXX check and thus is ridiculous. I am not paying this at all, I was reaching out to you all for help.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-11-05
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: Capital Accounts, LLC (MD)

On my credit report there is an amount of over {$5000.00} from a company XXXX XXXX  I believe that the name I cant go back and look now. They have called me numerous times asking me for this money I kept telling them its not me they keep insisting that I owe this money. I have no idea what they are speaking of. I have insurance and they say I went to this doctor. I have a XXXX XXXX and have my own doctors and never go outside of them especially to use a doctor who does not accept my insurance. I have had insurance XXXX  most of my life and then I was receiving XXXX so why would I go outside to someone I have to pay completely out of pocket. I cant believe this is happening
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I am XXXX XXXX XXXX XXXX of XXXX OF XXXX XXXX XXXX XXXX number XXXX. Our XXXX XXXX  XXXX XXXX XXXX non-profit XXXX have a Us bank business account number XXXX, Routing number XXXX with {$21000.00} Capital funds, and a hold on the Us bank account since XX/XX/2022 with out any authorization from the XXXX XXXX XXXXXXXX XXXX XXXX 's Board of Directors. Us bank 's unfair action, violate, the XXXX XXXX XXXX Business Practice Act protection laws, XXXX Deceptive Trade Practice Act protection laws, and the California Unfair Competitive Act Protection laws by holding XXXX XXXX XXXX XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX growth, and expansion in the United States Of America.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (GA)

On or around XXXX to XXXX I saw a lot of pre approvals on credit karma. At first I didnt pay it any attention, but credit karma kept sending me all sorts of different pre approvals, telling me I qualified for credits cards, personal loans, and that I can refinance my car. I would see these offers every time I logged in to check my check score. After a few months of being told that I was pre approved, I thought I was in the perfect place to apply. So I applied on or around XXXX and was denied several times.
Consumer complaint received 2022-08-31
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. (TX)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX andFederal Trade Commission ).
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (TX)

I previously had a checking and savings account with Chase Bank. After Chase Bank falsely verified fraudulent charges on my account I decided to close both accounts. On XX/XX/22 I transferred {$240.00} instantly into my savings account from my checking account and went into a Chase branch and withdrew all funds and closed both accounts. Neither account had a negative status and there were enough funds to cover the transfer. Again, it was instantly transferred within seconds before going into the branch to close the accounts. I checked the accounts approximately 2 weeks later to make sure they were closed and they were not. I called Chase and the customer service rep stated that the account is now overdrawn and now in a negative status because when I went to close the account on XX/XX/22 there were insufficient funds when I instantly transferred all funds from my checking account into the savings account, which is false. If there were insufficient funds, I wouldnt of been able to complete the transfer. I transferred the funds into my savings account before closing the accounts. Now Chase has overdrawn the account and expects me to deposit the funds back into the account. I would like my account reviewed and the account closed and taken out of a negative state because I do not owe Chase {$240.00}, the account was not overdrawn and I was given all of my funds out of the account by the teller when I went in to close both accounts. I returned my debit card on XX/XX/22 and did not use the account to make any withdrawals or purchases after this date.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to 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. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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, the following accounts : XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX  # XXXX, and XXXX XXXX # XXXX have violated my rights. 

15 USC 1681 section 602a states that I have the right to privacy.

15 USC 1681 section 604a also states a consumer reporting agency can not furnish an account without my written instruction. 

Please delete these accounts from my report.
Consumer complaint received 2022-08-31
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 have disputed 3 Charge off accounts and 1 collection accounts on multiple occasions with all three credit bureaus and even with the CFPB and they still refuse to do a proper investigation. I have three accounts with multiple inaccuracies and even after disputing they still come back verified. So I proceeded to download my complete credit report and physically mark out the inaccuracies as I am entitled to a 100 % ACCURATE credit report at all times per FCRA and have found multiple violations under FCRA which I will be seeking legal reparations as they have prevented be from obtaining credit. I also have 1 Collection account from XXXX XXXX where they allege I owe a debt but have been unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. I will be listing the three accounts and their violations. 

XXXX XXXX XXXX XXXX {$530.00} ) Incorrect payment status Inconsistent Delinquency reporting Inconsistent and Inaccurate balance reporting Inconsistent payment history reporting ( payment chart and listed dates do not match ) Inconsistent and inaccurate date of last activity Missing Terms Missing high balance Account Comments/ Status inconsistent XXXX XXXX ( {$770.00} ) Last updated Dates : inconsistent Inaccurate and inconsistent Payment status Delinquencies : Missing or inaccurate Balance reported Inconsistent or Missing 2 Year Payment Chart : inconsistent reporting Older Derogatory events and 2 year payment history : dates do not match/ Missing XX/XX/60 late payment reporting : inaccurate/missing Close dates : inconsistent or missing Date of last activity : is inaccurate or missing Terms : are inconsistent or missing High balance : inconsistent or missing XXXX XXXX  ( {$260.00} ) Payment status : inaccurate and inconsistent Delinquencies : Inconsistent or missing Balance : inconsistent or missing 2 Year Payment Chart : inconsistent and multiple inaccuracies XX/XX/60 Day late payment reporting : Missing 90 day late payment reporting : inaccurate and missing Close Date : inaccurate and missing Last Activity : Inconsistent and missing Terms : inconsistent and missing Scheduled Payment : inconsistent and missing High Balance : Inconsistent and Missing Loan Type : In consistent and inaccurate Comments : Inconsistent/ Inaccurate XXXX XXXX ( {$2200.00} ) unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. 

All above listed are causing inaccuracies and violations under FCRA USC 15 1681 Failure to Correct violations will result in litigation. 
All evidence and complaints have been forwarded to the Attorney General of Texas for investigation.