davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-23
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. (CA)

I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit r

eport that were past the statute of limitations. 2.
XXXX XXXX XXXX : XXXX XXXX - I told you  Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.
Consumer complaint received 2019-06-05
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 (AZ)

Someone else 's homeowners insurance policy was placed on my LexisNexis CLUE report. I have no financial obligation to the policy, nor to the property. How is this even possible? How in the world would XXXX XXXX or Lexis Nexis even have my personal information if it is not on the policy to use to add me to a policy without the policy holdes approval and to start to report against me when I am not a party to the claims? This is beyond unbelievable. I have spoken with XXXX XXXX from the XXXXXXXX KS office XXXX and he confirmed that I am not on the policy and never have been. In fact, claims that occured before I was in the residence are added to my CLUE file. I have complained to Lexis Nexis that I am not on the policy. However, you will see that it is my name on the report listed as Subscriber # 1. I am not on the pollicy in anyway. No tenant/care taker/renter should ever have the homeowners policy attached to their report. According to LexisNexis, XXXX insurance  has validated this as accurate in the disputes I have called in to Lexis Nexis. As you can see from the paperwork attached, LexisNexis chose not to follow the law and get a copy of the homeowners policy from XXXX or the local agent XXXX XXXX to prove that I have a financial responsibility to this account to verify its accurancy. Instead they tried to collect more personal data on a non-property owner and non-policy holder. This is a violation of my rights by XXXX, XXXX XXXX XXXX as well as Lexis Nexis. It is against FRCA to report accounts that are not mine and to verify them as accurate without documentation and an investigation. Furthermore, I have been advised that it violates insurance reporting to attach random claims to someone not responsible for the debt. This is beyond ridiculous that it has taken 6 months for this to not be handled. I demand this be removed from my report immediately. I have called LexisNexis 3 times to dispute this and they told me it is MY problem to validate that it isnt mine. You have to be kidding me? I am supposed to ask the homeowner and policy holder for their policy, Social Security Number, Date of Birth and all to prove it isnt me while supplying all this information on me as well. Hmmmm, this is not how the law works. They need to prove this information, which they can not as I am not on the policy and have no ownership stake in the property. Please investigate and ensure this gets removed from my CLUE and A-Plus reports.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (NC)

there were charges on the elan financial cc that were NOT made by me or anyone i know. that was in about XXXX XXXX i found out about this about XX/XX/XXXX as we had moved in XX/XX/XXXX and the mail was not forwarded.when i found out i researched what company had the charge ... XXXX  XXXX ... i am not a member or ever have been. XXXX credited the charge back to XXXX..so why does elan still show me 20 days late for a payment when i never bought the product, never received a bill and it was paid back by the XXXX XXXX..please do something about this fraud company, elan.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (HI)

XXXX has continued to try and collect an outstanding balance that I do not owe since closing my account in person, in the XXXX XXXX XXXX in XX/XX/XXXX. 

In XX/XX/XXXX I was contact by phone from XXXX XXXX XXXX stating that I was in pre-collections on an amount owed to XXXX. I contacted XXXX, verified I did not have an amount owed and had them mail me a statement balance showing that my balance was XXXX ( {$0.00} ). On XX/XX/XXXX I faxed XXXX XXXX XXXX the statement that I received from XXXX showing that my account has a XXXX ( {$0.00} ) balance. 

XX/XX/XXXX I reviewed my credit report to find that XXXX XXXX had hired CBE Group to take me to collections. I have since mailed the statement that I received in XX/XX/XXXX showing that I have a XXXX balance on my account to CBE Group. 

I was never contacted from XXXX stating that I owe an outstanding balance. I was never contacted by CBE Group that I have an outstanding balance or was being taken to collections or that they were reporting collections to the consumer reporting agencies.
Consumer complaint received 2021-08-08
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (OH)

My Discover card was taken and used without my knowledge to buy womens clothes Discover is trying to make me liable for this balance and has turned it into my credit t report affecting my credit score.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.. Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2019-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I submitted a previous complaint about how they were handling my request to switch income based payments. I thought the situation was resolved when they approved me for ICR payments with a {$5.00} forbearance in XXXX. In XXXX I never received the bill for {$5.00}. I called and I was told that they could not generated a bill because of when my request was approved, but I needed to pay the {$5.00} by XX/XX/XXXX, which I did. Subsequently, I was given a bill for XXXX which reflected my payment under the new plan. This week I was sent an e-mail saying that my request to be on the ICR plan that was already approved was rejected and now pending. I immediately called when I saw my {$5.00} payment for the forbearance was being considered an early payment for XXXX. I was told that when the automatic payment is made for XXXX the processor will see the payment was for my XXXX forbearance and fix the problem. 

This morning I received a letter in my file stating that my account is now in administrative forbearance and my XXXX payment under the new ICR plan would not be made. I would like this problem fixed asap. I want to get credit for the loan forgiveness program and Fedloans is purposely messing with my account.I did everything they told me to do and there is still a problem, which they have blamed on their computer system. 

Also, the amount of payments for my eligibility for loan forgiveness is incorrect. They have not processed 13 payments from when I was with XXXX XXXX. Instead of 45 payments my account should reflect 58 payments. I sent in an employment verification form from my eligible employer showing I worked there from XXXX.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IA)

I have submitted three letters to XXXX XXXX and equifax stating that information on the bankruptcy on my account was incorrect and needs to be removed immediately according to the fair credit reporting act. 

XXXX has removed the inaccurate bankruptcy after my second attempt but not XXXX XXXX nor equifax.
Consumer complaint received 2019-06-05
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: EQUIFAX, INC. (MO)

I understand that inquiries stay on your credit file for 2 yrs, however the credit reporting agency has to understand that these inquiries I have no knowledge of therefore they are inaccurately placed on my report so Im demanding that they be removed from my credit files immediately, the following inquiries are : 1 ) XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Since LexisNexis is a 3rd party consumer they have to gather their information from public documents. XX/XX/XXXX, The XXXX Georgia Bankruptcy court informed me they do NOT grant access to private information to 3rd party credit companies or reporting agencies. Bankruptcies include full social security  information and the XXXX  site does not provide a full social to use as a verification method. The bankruptcy LexisNexis is reporting has been disputed NUMEROUS time with all 3 credit reporting agencies over the course of 4 1/2 years, since XXXX. LexisNexis is reporting a bankruptcy that never stood before a judge. I never made/set up payments on a chapter XXXX bankruptcy. I have no knowledge of a bankruptcy that took place and finalized. XXXX, XXXX  and XXXX state they use LexisNexis to validate all public records such as foreclosures, tax liens and bankruptcies. LexisNexis is providing false information they can't provide me insight on if it's inaccurate and non-existing. I requested a full disclosure of my information they have on file to dispute with them directly but since this is a 4 1/2 year old issue I haven't had any break through on I'm taking this route. This inaccurate information not only violates the FCRA, but has cost my score to drop 150 pts since the day it appeared on my credit. Has made me have to have criminal interest rates, denials for apartments/homes, has made my life harder for an error on someone else 's part. I want documents of verification on the bankruptcy they're reporting belongs to me with my full social, not partial, wet-ink signatures not electronic, and proof I paid on one at some point.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (KY)

This is on a Synchrony Card issued on behalf of Amazon. After having the card for some time, a 'security fee ' started showing up out of nowhere. It was several months before I noticed it, as I carry a balance on the card and assumed it was interest. I called the separate 1-800 number issued on the ( online-only ) statement and they were reluctant to do anything, but agreed to remove the fee. I contacted Amazon and reported it as fraud, as unauthorized charges are just that. They reversed it. It disappeared for a month or two but now it's back. There needs to be a class-action suit on these deceptive fees. The amount now that I owe on these " fees, '' of which I don't even know what they cover, is around {$50.00}. 
I will again contact the number for the pirate-fee devils, as well as Amazon. 
I hope to have it resolved. 
If it shows up again, I will contact our state attorney general, as well as the CPFB again, so hopefully it can be resolved for myself and I assume hundreds of thousands of others who shop at Lowe 's, Walmart, Amazon, etc and carry a card through Synchrony. 

Thank you.
Consumer complaint received 2021-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have a collection account on my Equifax credit report that I disputed on XXXX by sending in a verification letter that was certified mail and signature redturned.XXXX Equifax received my dispute.30 days passed with no response so I mailed in a 30 day demand to comply letter to Equifax certified mail signature returned. It took till XXXX for Equifax to respond by mail to say that the account was verified.XXXX I mailed a method of verification letter asking for them to provide me with the names and or business they verified the information with, the date the information was furnished, the method of communication that was used, what the money is owed for, and any contract I signed to pay the money. Then on XXXX I received a letter saying the account was verified but they did not have any proof of how it was verified. All documentation is available if needed or requested.
Consumer complaint received 2019-06-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

ACE CASH EXPRESS loaned me money on two separate occasions and both went to different debt collectors, one was six years old and one was a year ago. I was contacted and threatened with jail time for felony wire fraud and even told its 90 days jail time if I did not pay that day. The collection agency stated my case was on the docket for XXXX that day and misled me to believe if I didnt pay I would be pursued criminally. Another debt collection company contacted me about my six year old debt threatening me with theft by deception and jail time. Ace cash express is aggressively collecting debt from consumers still even after they were sued and had to pay back XXXX  million in damages. Collectors should not be threatening jail time nor should they be pressing criminal charges for a debt that was unpaid due to financial hardship. I have every intent to pay the money back but I have been going through a very tough time financially. Ace cash express states the debt is in collections and theyre unwilling to make payment arrangements with me.
Consumer complaint received 2021-04-28
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. (TX)

zip codes that were deleted was never there to begin with : FCRA violations names and address not mine : FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (IL)

On numerous occasions I have calculated credit card balances that differ from what was calculated by US Bank. XXXX XXXX, 2017 my available credit was {$150.00} according to US Bank. A {$100.00} difference than what I calculated. Later same day, my credit purchase was declined. After phone balance inquiry, my balance was calculated {$80.00} shy of US Bank original calculations that morning, and no purchase had been made and none still pending. Another checking account I have with US Bank had been targeted and stolen from in the past. I have reported this bank to local police.
Consumer complaint received 2019-06-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I have about {$44000.00} in federal student loans from Navient, who somehow found me a suitable debtor at the age of XXXX. This is between two loans, at 9.25 % and 9.75 % interest. At such a rate, I have a lot of difficulty making monthly payments that will actually take care of the principal, even when I am working and making a decent amount of money. The monthly payments came to about {$300.00} a month. Keep in mind, that is just the amount of private student loans ... I also have {$64000.00} in federal student loans I need to take care of. It's a long story but essentially I was ill-informed when I was taking out these loans, and I made a mistake in getting them. 
Well, back in XXXX I lost my job, but still kept making payments for two months like I was supposed to. However, in XXXX, I realized I would have trouble making future payments, and so I contacted Navient on XX/XX/XXXX. I told her that I was driving for XXXX, a XXXX-style company in  XXXX, and that I was barely making enough to afford rent, gas, and groceries. Seriously, I was hardly making anything, and could not get any help from my parents ( who owe about as much as I do ). 
And yet, when I call the woman at Navient, she raises my payments to {$310.00} a month. I'm making way less money, so she wants *more* money. Makes sense, right? 
I ask to forebear them for a month or two while I look for work, but she tells me that that would make the amount come due, and capitalize the interest. I didn't want that to happen, as it would make my situation even worse, but I couldn't even afford the XXXX payments. With absolutely zero sympathy in her voice, she asks if I want to connect a debit account. I told her yes, but I was unable to cover the XXXX payment, and might barely be able to cover it in time to be late for the XXXX payment. 
They really need to work with me on this. Either lower my interest rate to a manageable degree ( something like 3.8 %, which my car loan was ), or let me forebear them for another 30 or 60 days until I get another job. 
I need help, and Navient is simply unwilling to help me.
Consumer complaint received 2019-06-04
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)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX U S DEPT OF ED/XXXX XXXX
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

The problem its with CONNS XXXX. At the time of the purchase. They give me two lines of credit. Spread the total between both accounts to I dont see the extra insurance and warranty they add without informed me. When I get late, they add a huge amount of interest and call me everyday about 8 to 12 times a day. At the time of the purchase 3 years ago the cost was {$5800.00} and as todays day I have pay {$3900.00} and they said Im still own to them {$7100.00}, how its this posible?
Consumer complaint received 2019-06-04
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. (LA)

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX. XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I was informed that Chase would be closing my secured checking account and my daughters first banking account. I brought it to the attention of the VP at the XXXX location in XXXX XXXX, California and we contacted the back office together where he was informed to email escalation. On XX/XX/2021, XXXX who assisted me in opening the account contacted me and informed me that on the XXXX my account was restricted and provided a number and I was transferred to compliance where the reasoning for closure was not given and will not be given. I have been a victim of identity theft and a survivor of XXXX XXXX and I supplied the escalation department proof of all this and the VP vouched for my account not being closed considering I have IRA and auto loan underwriting by Chase.