davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (OH)

On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following As per U.S.P.S. records, you received my dispute letter on XX/XX/2022 ( Equifax ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( Equifax ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ) ; therefore your response was due on or by XXXXnote 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), XX/XX/2022 ( Equifax ) claiming you verified the information as accurate. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. 

Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # : XXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # XXXX
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. 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 XXXXThis 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-22
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-25
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. (TX)

In accordance with the Fair act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX 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 that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (AZ)

I requested an Earnest account for my tuition at XXXX XXXX. After I requested the loan I found a way to pay for the tuition without the loan. Earnest sent me a notice that the loan was dispersed to XXXX on XX/XX/2022. 

I asked XXXX if they received the payment and could they return it to Earnest? They did not received payment from Earnest. This was confirmed by XXXX on XX/XX/2022. 

Earnest stated they had dispersed the loan. XXXX does not have the funds on XX/XX/2022. Earnest will not cancel the loan without the funds being returned. 

Earnest charged me {$25.00} payment of funds that were not dispersed to XXXX. Asked Earnest again to cancel the loan. They stated they could not until the funds were dispersed on XX/XX/2022. XXXX again states no funds received. 

XX/XX/2022 Second payment is now due on a loan that has not dispersed to XXXX. I can not get the loan cancelled. There is no number for servicing. All correspondence is via email. Some emails go unanswered. Tuition is due in full on XX/XX/2022 and still no dispersement from Earnest. However, both payments are now due. This is impacting my credit and my opening of a loan for a mortgage. I have all billing and email correspondence for reference.
Consumer complaint received 2021-11-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

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. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them requests, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX - XXXX Balance {$3800.00}
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (IN)

I am having issues with Citicards/ Citibank . For this card, I am an authorized user. My mother, XXXX XXXX has added me to this account in XXXX. I was a minor at the time and did not consent nor want her to add me as an authorized user. The company has refused to remove me as one. I have disputed with XXXX as recently as XX/XX/XXXX and called and tried to get them to remove me as well. They will not as I am not the primary card holder. I have contacted my mother but she is abusive and toxic and refuses to remove me. I have attached the completed dispute results and text messages to my mother pleading for her to remove me. The account has a balance of {$2500.00} according to XXXX as of XX/XX/XXXX. I have not ever held the card from that account in my hand, let alone spent or should be responsible for these payments.
Consumer complaint received 2022-06-27
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)

Those Accounts arent mine, I never Authorized those Accounts to be opened. -XXXX XXXX XXXX XXXXXX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/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 XXXXXX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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)

XXXX refuse to remove accounts from my report that was not authorized by me. The XXXX XXXX XXXX  and XXXX XXXX. XXXX XXXX XXXX Has been on my report for over 7 years and they still refuse to remove it off my credit report. Also there are several inquiries which I did not give consent to fringe upon my credit report those being XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (TX)

Notified Albert immediately of two charges I did not authorize from XXXX XXXX XXXX- they texted me two days later saying that they've closed the case and it was not fraud. They never reached out to me asking for any sort of information - simply stated the case was closed. I didn't authorize the transactions and still stand by the fact that I didn't authorize the transaction. This is following a debacle on XX/XX/XXXX in which I provided evidence that I had multiple direct deposits submitted and they did not post or credit my account. I emailed and texted multiple times and was eventually forced to even have to reach out via XXXX to get any transaction on the issue. They eventually acknowledged that they did see the deposit and only by my constant badgering did they release it. There are quite a few practices that are incredibly concerning taking place there that need to be looked into.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I just read this article XXXX XXXX XXXXXXXX I do the best that I can to earn money, and I also am human and I do like to shop and sometimes Wells Fargo excepts withdrawals without my consent to pay back XXXX companies that I plan to pay on a different date and I might pay off my overdraft fee if they charge me a ridiculous amount of overdraft fees
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (CA)

I had an account with Comerica Bank, but I stop putting in deposits because I am unable to use online banking because they've restricted my access. They XXXX 'd out my account with fees and charged me with insufficient account fees. They put my account in collections and is now reported as a collections on my accounts.
Consumer complaint received 2022-11-30
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. (MS)

XX/XX/22 I let the credit bureaus and secondary agencies know that there are inaccurate, unverifiable, and fraudulent items on my credit file that do not belong to me. I submitted and identity theft report. The items are still on my credit file. This is blatantly ignoring Section 605 b of the Fair Credit Reporting Act. It says that the items must be removed within 4 business days of you being notified. Also, no item is to be furnished on my credit file without my written consent. I never gave written consent for anything to be furnished on my credit file!! I have contacted XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  XXXX. They have told me and also sent in writing statements saying that they dont even report to the credit bureaus. This false information on my file was provided by XXXX, XXXX, XXXX and other illegal means. I do have a right to privacy! The continued defamation of my character will not be tolerated! You have caused great distress to me both mentally and financially with your deceitful practices.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, 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 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 2022-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AL)

I opened a bank account with Chase Bank because for XXXX, I thought they would be a good account for my SSDI account because I have heard of them for years, and also I saw an advertisement about a new account promotion for {$200.00} to open account. I signed up sometime around XX/XX/2022, received email congratulating me on opening account, on XX/XX/XXXX received email about mobile app. Then on XX/XX/XXXX, I received an email, after I opened the account about the code for {$200.00}. I contacted customer service about it, they said that because I opened my account before I received the code I wasn't eligible for it. The advertisement said that you had to open an accout and do direct deposit before XX/XX/XXXX, Then I had problems with my account. When I contacted the XXXX to change banks, somehow my account number was swapped with my SSN. I didn't get my check until XX/XX/XXXX, caused me to miss out on another promotion for {$100.00} if you use your card XXXX times before a certain date. I feel like I was done wrong. I have pics of the emails. And statement from XXXX. XXXX or XXXX of the emails say it's still waithing on me to use the code, but when I try it says that part of the site isn't working try again, no matter how many times you try it says the same thing
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (MO)

I have been disputing with the Credit bureaus for the correction of the Disputed erroneous accounts being reported on my Credit File, and yet the Credit Bureaus have done nothing! I sent a letter to the 3 Credit Bureaus last XX/XX/2022, to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTs, and I'm including it again. Please have the following items fixed at the earliest possible time : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

a federal loan was taken 2010 for my daughter. She defaulted and Navient picked up her loan. She has been paying them for her loan. The IRS has been keeping my ( her mother ) tax return saying that I owe for her defaulted loan. She is still paying Navient and is current on her account. I have tried to contact Navient for the past few years and can not get an answer as to why this is happening. Initially I was told that I owed somewhere around {$24000.00}. The IRS has been keeping my returns of approximately {$1200.00} - {$1800.00} a year. I have tried to find answers thru them and was told to go thru Navient to no avail. 
Is there anything that you can do to help us?
Consumer complaint received 2022-11-30
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. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-21
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts 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 for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$500.00} XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus 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 you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.