davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
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)

Today, I am submitting a CFPB Complaint to inform the Credit Bureaus about the fraudulent accounts and incorrect information they have been reporting on my Credit File. After conducting research, I have learned that to remove these fraudulent accounts, I need to file a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove and block any accounts listed on an ID THEFT REPORT. I have attached the necessary documents to aid in blocking the erroneous information that is appearing on my report. Here is a list of the accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$600.00}. I assure you that I did not open these accounts or authorize anyone else to do so on my behalf. FCRA Section 605B ( a ) states that the Credit Reporting Agencies must block any information in the consumer 's file that is identified as resulting from fraud within four business days of receiving the request.
Consumer complaint received 2023-07-31
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. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-07-31
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. (TX)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE
Consumer complaint received 2023-07-31
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)

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act.

This Act states that the only reason to pull an individual 's credit is for the following reasons : 1. A firm offer of credit 2. Insurance 3. Application for employment 4. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my FTC form, please do see. 

The following hard inquiries should be removed from my credit file as soon as possible. 
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
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I have been attempting to work with Navient in efforts to reduce my student loan payments for over two years. My husband lost his job and I can no longer afford the payments as they stand. Every time I speak to them they say I am ineligible to for Income Based Repayment. My husband made XXXX a year and we took a tremendous hit when his business went under in XXXX. We have been trying to recover since, but these student loan payments ( due to the constantly rising variable rates ) are insane. I owe thousands more than I originally took and have paid consistently since XXXX. And with the company unwilling to work with me, we 're barely getting by. I had to take out a pension loan just to pay them. Nobody explained to me what I was getting into going to college. The debt is affecting every aspect of my life. I regret the attempt to better myself.
Consumer complaint received 2023-08-07
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: GOLDMAN SACHS BANK USA (MI)

This is account does not belong to me I have contacted the credit bureau as well as trying to contact the creditor but to no avail. I was XXXX  from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2023-07-29
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. (TX)

This is my third 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$75.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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. (PA)

In XXXX I sent a complaint to the bureaus they are in direct violation of 15 U.S. Code 1681 a no opt out was given by creditor prior to giving out my personal information this is in violation of FCRA and opt out under U.S.C 6801-6805. 15 U.S. Code 1681b - Permissible purposes which i did not consent to credit reports are supposed to be 100 % Accurate and not misleading to creditors under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation of the FCRA. 

ACCOUNT EFFECTED WITH DERAGTORY MARKS OR CHARGE OFFS. Below ON CONSUMER REPORT. 

XXXX XXXX/ Other Loan Past due : {$2100.00} XXXX Chargeoff XXXX XXXX XXXX XXXX  Past due : {$2000.00} ChargeOff XXXX XXXX  XXXX  Past XXXX : {$1300.00} ChargeOff ATTCHED IS IRS XXXX XXXX PG 2 UNDER INTRODUCTION STATES : Introduction This publication explains the federal tax treatment of canceled debts, foreclosures, repossessions, and abandonments. 
Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income.

Note. This publication generally refers to debt that is canceled, forgiven, or discharged.

for less than the full amount of the debt as canceled debt.

Charge offs are claimed as income for tax purposes and should not show up on credit reports.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681 b for permissible purpose and 1681 c for information contained in consumer reports they are also violating compliance procedures under this title.
Consumer complaint received 2023-07-29
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. (IL)

I was sent a letter from the XXXX XXXX XXXX Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.
Consumer complaint received 2022-08-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (CA)

CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE INACCURATE, INCOMPLETE, OR UNVERIFIABLE INFORMATION WITHIN 30DAYS. 

I am writing to request the method of verification for complaint id XXXX XXXX XX/XX/XXXX followed up with written disputes for complaint id XXXX on XX/XX/XXXX regarding the disputed items below. 

It has been more than 210 days and I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information that is known to be false can not be reported to any credit bureau .

I request that you immediately delete this information from my credit reports. Please send me a copy of my updated credit report as soon as the above has been completed.

1. VALIDATE ACCOUNT CHILD SUPPORT ACCT # XXXX PLEASE DELETE THIS ACCOUNT OR PROVIDE VALIDATION INFORMATION For each of the disputed items above, I am requesting that you provide the following information : 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness, accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Brock & Scott, PLLC (FL)

Brock & Scott a debt collector, filed a lawsuit against me in behalf of XXXX, who was later bought by XXXX XXXX. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.
Consumer complaint received 2016-02-19
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NY)

I leased a vehicle from a XXXX car dealer on XXXX/XXXX/XXXX. As part of the transaction I returned a XXXX XXXX leased vehicle early. Original lease maturity was XXXX/XXXX/XXXX. As part of the transaction I paid {$2000.00} down and approximately {$2500.00} upon delivery of the new vehicle. Never once did the dealer inform me of any additional charges connected with the transaction. On XXXX/XXXX/XXXX I receive a letter ( see attached ) from Kia Finance demanding {$660.00} additional to satisfy the lease. I called the car dealer and they informed me that they submitted approximately {$1100.00} to Kia Finance. I called Kia Finance to no avail. This appears to be a violation of the Dodd Frank XXXX provision.
Consumer complaint received 2023-03-14
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)

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 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 2023-03-21
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (IL)

On or around XXXX/XXXX/15, I receive a loan from Castle Payday ( XXXX ) in the amount of {$500.00}. I was informed that if I paid this loan off by XXXX, my total amount to pay off would be {$670.00}, to which I agreed. On XXXX, I called to ensure that the loan plus interest would be paid off in full ( {$500.00} + XXXX ). When I called, the rep informed me that the systems were down and he would call me back to complete the transaction. I did n't receive a callback so I assumed that everything was taken care of. 

On XXXX, I noticed that only {$170.00} was taken out of my account so I called to find out what happened. They informed me that the rep tried calling me back, but he could not get a hold of me. I do not have any missed calls of any sort of Castle Payday trying to call me back. At any rate, she stated that {$500.00} would immediately be taken from my account so that no further interest would be charged and my account would be paid in full. 

To my surprise, when I check my account the very next day I see {$670.00} was taken out. I call Castle Payday and they informed me that a manager would be calling me back to confirm that I would be credited back {$170.00}. 

Which brings us to today ... I called my bank to dispute this and after being on the phone with my bank and Castle Payday, the bank agreed to charge back {$170.00} to Castle Payday, which of course is pending, and totally agreed that charging {$350.00} on a {$500.00} loan that was paid off in less than a month is BEYOND predatory!
Consumer complaint received 2023-03-24
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 submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

. On XX/XX/XXXX, I was a victim of a scam. I received text messages from " Chase Security '' asking if charges to my card were correct. I replied no and a fraud specialist contacted me and asked that I sign into my account while on the phone and I unknowingly allowed them access to my account. I received an email from Chase XXXX XXXX XXXX Banking on XX/XX/XXXX at XXXX XXXX  informing me of an outgoing transfer from my account and was provided a XXXX # to contact if I had any questions. At XXXX XXXX  I dialed the number provided and was informed that a wire in the amount of {$9000.00} had been made from my account. I informed the representative that the transaction was fraudulent and asked that it immediately be recalled. I followed up on XX/XX/XXXX with calls to various XXXX and XXXX # XXXX provided by customer service representatives stating that the transaction was fraudulent. After calling XXXX Thursday, XX/XX/XXXX, I was informed that I needed to go to my XXXX in order to obtain a Hold harmless letter. I arrived at the XXXX at XXXX XXXX. After the XXXX XXXX made several phone calls I was informed that it was not a XXXX matter and that I needed to call XXXX. Upon returning from the XXXX, I called the number and was advised that the claim was being worked on and that It would take some time. Friday morning, XX/XX/XXXX, I followed up calling the XXXX # provided by the XXXX and was told that the wire was properly authorized and the claim was resolved. Chase would take no further action
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (FL)

I have received a call, they explained to me that they are trying to attemp to collect a debt, I am personally sure that I have paid all my bills and I have no debts pending. 
I have requested a written letter with details so I can understand where this debt is coming from but the lady who was on the phone refused to send me that information, after that conversation I found out that I have a new collection on my credit report, that is not right, they are not clear and they refuse to help support with more documentation, I expect from you to remove that wrong debt from my credit.
Consumer complaint received 2023-07-28
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. (AR)

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$600.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

XXXX Other debt Attempts to collect debt not owed XXXX XX/XX/XXXX XXXX Sent to Regulator FTC XXXX XXXX debt Attempts to collect debt not owed XXXX  XX/XX/XXXX Closed Feed back provided XXXX Other debt Attempts to collect debt not owed XXXX, XXXX XX/XX/XXXX Closed Feedback provided XXXX XXXX reporting Problem with a credit reporting company 's investigation into an existing problem IC System XX/XX/XXXX This problem has been going on and needs to STOP! XXXX continues to send me to different collection companies regardless of previous outcomes. This is ruining my credit falsely and I'm not going to continue to submit what I've already submitted and disputed with each of the listed collection agencies. this is the second time IC Systems in XX/XX/XXXX. Please help me stop these tactics.
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc. (GA)

I keep getting calls starting at XXXX XXXX  and ending at XXXX everyday from the same company. They call from multiple numbers so even if I blocked the number the calls still come through. I also receive calls that are unknown from them. Also they will call all at one time. Its highly unprofessionally and annoying that my phone vibrates at work every 2 mins. The calls are ridiculous. Now I even get text messages.