davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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. (LA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2022-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient is harassing me and posting negative remarks on my credit report. There are XXXX reasons I want to dispute that I owe them anything : XXXX ) I filed bankruptcy in XXXX and it was discharged. 

XXXX ) They fraudulently loaned me money in XXXX where they did not disclose that they weren't supposed to loan me more than the cost of tuition.
Consumer complaint received 2022-09-23
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. (GA)

I had an account with XXXX and the last XXXX numbers of the account were : XXXX. 

According to my records, my last payment was In XXXX of 2015. I have tried to get Equifax to change the date several times and I keep getting responses where Equifax doesn't verify the dates, but accepts the card issuers statement as true. Herein lies the problem, there is no verification.
Consumer complaint received 2022-12-03
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: Entrata Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-23
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: JPMORGAN CHASE & CO. (GA)

I had an account with XXXX and the last XXXX numbers of the account were : XXXX. 

According to my records, my last payment was In XXXX of 2015. I have tried to get XXXX to change the date several times and I keep getting responses where XXXX doesn't verify the dates, but accepts the card issuers statement as true. Herein lies the problem, there is no verification.
Consumer complaint received 2022-07-29
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. (GA)

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts that were reporting in error. 

XXXX XXXX  XXXX Balance : {$2500.00}, XXXX XXXX  XXXX XXXX Balance : {$8600.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXXXXXX XXXX Balance XXXX {$650.00}, XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (PA)

ECMC is a 3rd party debt collector who's destroying my credit. Ive even attempted to send a registered security satisfy the obligation. They kept the security and never closed the account out. HELP PLEASE
Consumer complaint received 2022-07-29
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. (LA)

This is XXXX XXXX, and I appreciate you taking the time to repair and delete some accounts from my credit report ; however, there are still accounts that needed to be del

eted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2022-07-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items are 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 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

I have submitted 2 requests for research on my HAF payments not only to Ameris Bank but also to The HAF program to no avail. HAF states funds have been sent and unable to provide proof and Ameris Bank XXXX XXXX states no funds received. 
I personally made 2 deposits on XX/XX/XXXX when I was still able to do it through portal. I now do not have the ability to use portal any more due to being enrolled in the HAF program. I personally sent another check in on XX/XX/XXXX as I do not want to get behind check # XXXX. This check has to this date not cleared my bank. But when calling it was verified that Ameris BankXXXX has received it. No funds applied to my mortgage and not cleared. This is very concerning. Not only are the HAF unable to locate and/or applied but now my personal check either. Thank you for researching this matter. XXXX XXXX
Consumer complaint received 2022-07-29
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. (DE)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Consumer complaint received 2022-06-08
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: AES/PHEAA (WI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KY)

I have contacted tall XXXX credit bureaus to have them fix my credit score. I have XXXX good payments and I am at a XXXX! I am supposed to be in the XXXX range. XXXX is totally inaccurate! I ask that this be fixed immediately.
Consumer complaint received 2022-08-18
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)

I discovered that the accounts on my credit report was still incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected immediately : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-23
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 (KY)

Lexisnexis was supposed to have removed my XXXX   XXXX and XXXX  XXXX from my credit report. They were supposed to send me a letter addressed to each credit bureaus but I have only received XXXX and XXXX. Because Lexisnexis is a partner company with XXXX that are not sending my verification letter informing me and the company that the BANKRUPTCYS were removed. This is causing great hardship. I need for Lexisnexis to send a copy of the removal letter to each credit bureaus and send a copy to me.
Consumer complaint received 2022-12-03
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: LEXISNEXIS (TX)

LexisNexis has used a 2nd party ( XXXX ) to verify a Bankruptcy on my LexisNexis credit file. They by law, the Fair Credit Reporting Act can't do this. It must be provided by the original source which is the bankruptcy court. Enclosed, please find a letter From the XXXX  XXXX XXXX Bankruptcy XXXX who holds control stating they don't supply this information to any credit reporting agencies. Also enclosed is a letter from LexisNexis addressed to me stating they used XXXX as the means to verify this information. That's illegal and violates my rights as an American consumer. This bankruptcy is to be removed from LexisNexis ' files immediately.
Consumer complaint received 2022-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp (IL)

Hello this creditor called me and I replied back that this ok to pay it in installments and asked them if they can call me after a week once I get paid but they didn't and surprised that they added it to my credit report which ruined it because of their miss communication and didn't keep their word. 
Amount is {$310.00} and reporting date : XX/XX/XXXX XXXX
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

Hi, I recently had a lot of issues with my Wells Fargo bank checking account and credit card. 

I had a fraudulent wire transfer transaction on XX/XX/2022 for {$10000.00} from the checking account. Money was transferred from the credit card to the checking account and then wire transferred to someone else 's bank account. I did not initiate any of these transactions. 

I filed a claim and put dispute request for the money with Wells Fargo. Wells Fargo believed that my old mobile phone number was compromised and asked me to get a proof letter from my old phone XXXX XXXX. I switched my phone company to XXXX in XXXX of 2022 and haven't used that mobile number ever since then. I couldn't understand why I still had anything to do with the number. 
I sent Wells Fargo my last bill statement from the XXXX with XXXX balance for supporting document. It also shown that my number was cancelled since XX/XX/2022. About a month later, I received a rejection letter from Wells Fargo. 

Wells Fargo stated that I am still responsible for the mobile number that was used for those transactions and they will not return the fund to my account since there were no fund available. 

I requested to re open this case and I am still waiting for Wells Fargo 's response. 

Thank you
Consumer complaint received 2022-07-03
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. (IL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-29
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)

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXXXXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Consumer complaint received 2022-09-23
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. (FL)

Despite the multiple written letters and CFPB Complaint I have been sending to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus did not complied with the FCRA regulation and continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA, I am requesting that the Credit Bureaus remove the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$660.00}
Consumer complaint received 2022-09-23
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.