davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (TX)

This complaint is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

| *** *** see attached documents XXXX XXXX  XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXXXXXX XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 


| *** *** see attached documents
Consumer complaint received 2022-10-19
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. (NC)

This is XXXX XXXX submitting this CFPB Complaint to you today to follow up the previous CFPB Complaint I submitted to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent accounts and information completely from my Credit File. On XX/XX/XXXX, I sent a disputed letter to each of the Credit Reporting Agencies with complete attachments of my personal information and the ID THEFT REPORT I received from the FTC for reporting the fraudulent accounts and information reporting on my Credit File. I have read that under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft within the time allowed by law. Right now, I am expecting that the Credit Bureaus will comply with the federal law and have the disputed items removed from my Credit File. Here is the list of accounts that should be removed in accordance with the Fair Credit reporting Act section XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. If the Credit Bureaus believe that the disputed accounts belong to me, I am requesting the Credit bureaus that they send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus ' claims. In the event that the Credit Bureaus can not provide me copies of documents I seek, please delete the disputed accounts completely from my Credit File.
Consumer complaint received 2022-03-11
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. (NC)

I just started pulled my credit today to see what my score was to apply for a car loan. When i pulled my credit i noticed my credit score was very low ( which i expected because i was told that if you dont have much on your credit it would be low ) however there were a lot of closed charge off accounts i never applied to, inquiries for things ive never applied to, open accounts i never created. There were jobs listed ive never worked at, addresses ive never lived. I dont know how this couldve happened besides my birth certificate being misplaced sooooo many years back. Ive never given my personal information out so im not sure how this happened however i did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  are all fraudulent. i did not apply to any of these accounts
Consumer complaint received 2022-10-19
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. (NY)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-10-19
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. (WY)

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

XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have all violated my rights. 

15 USC 1681 section 201 : States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681 s-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 the information is inaccurate
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

The Credit bureaus stated my my account was properly investigated but how is that possible if the open data is still inaccurate the data active is incarcerated and data is not accurate the grounds for removal They also violated my rights under. In accordance with the fair credit reporting act XXXX  account XXXX  has violated my right 15 U.S.C 1681 section 602 A 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 written instructions also also credit bureaus took more then thirty days to complete my investigation here are my Certified tracking number XXXX
Consumer complaint received 2022-03-11
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-10-19
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account 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 block/remove these files. If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which are permanently closed under management of XXXX XXXX XXXX. The fraud started with XXXX XXXX who was the leader committing fraud with my children 's and I identity. When I asked er about entrance to apartment she resigned. They also submitted false evictions an loan debt to my credit report XX/XX/XXXX. They also had illegals living in complex who were entering my apartment stealing documents and spying on me and my 3 girls. They also had an underground basement where the dishwasher sat. They had the home wired with something where they knew our whereabouts. Invasion of our human rights. They switched out my XXXX XXXX hhr between XXXX and XX/XX/XXXX with a like model with XXXX parts. I have a 1099 to prove it. I kept going to round rock police department and they spoke to me like I was crazy. It made me feel they had something to do with it. When I attempted to get an attorney the intruders entered apartment and destroyed evidence. They made threats to my life and it is led to believe they tried to abduct my teenage girls for trafficking.
Consumer complaint received 2015-04-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I missed last XXXX month payments on my loan due to a divorce process. I contact Green tree llc. to modify my loan. But they deny the loan modification. I tried to a payment arrangement with them but they refuse to work any plan. So i finally able to come up with the full past due amount and schedule to make payment on XXXX XXXX. I spoke with XXXX ( supervisor ) and want her to give me assurance that they will not foreclose my property. She told me she can not do that. She did n't want me send any document that i made the payment arrangement. I am unable to get any email from them to show that i made the payment arrangement. I am afraid that i will pay the full pass due amount and they will still do the foreclose procedure and i will lose my house. Please help me to figure out how to save my house.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

GUITAR CENTER / SYNCHRONY BANK closed my account without notice. I've been a customer since XXXX and i've had this problem before with payments but they've worked with me ... and they've never close this account. I called XX/XX/XXXX and the operator i talked to seemed very rude on the phone.
Consumer complaint received 2022-10-18
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. (CA)

I attended the University of XXXX XXXXXXXX in the XXXX 's and early XXXX 's and originally owed about {$20000.00} and now with fees and interest, I owe more than {$100000.00} BECAUSE OF SYSTEMIC FRAUD IN THE STUDENT LOAN SYSTEM. 

Basically, MY LOANS KEEP GETTING SOLD AND RESOLD AND THERES BEEN NO COMMUNICATION IN THE PROCESS - PAYMENTS RETURNED - AND CONSTANT DEFAULT. I never know who my lenders are, what loan are in play and my payments get returned because the lender has changed and meanwhile, I go into default. 

This is a scam and for my student loans balance to have more than quadrupled is unfair and illegal based on the scam they have perpetuated against me and no doubt others. 

I believe this is a class-action issue. 

There have been NUMEROUS LENDERS OR SERVICER and I can only recall NAVIENT as being a primary source of this fraud BUT THERE ARE MANY OTHERS!!!!
Consumer complaint received 2022-10-18
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. (TN)

I have reached out to this company many times asking them to validate everything on my credit report and to furnish me with the original documentation/ invoices so that I may take the next step. This company has refused to send me what I have requested, yet still states that the information has been validated. This has not only caused me distress but embarrassed me as well as the reason why I was checking my report in the first place to move to another place. I was denied due to what was seen on my transcript. This company has continuously refused my pleas to send me proof of how these erroneously accounts are being verified.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I received an email upon waking up on XX/XX/XXXX stating my citibank online password has been changed. I did not do this so I called Citibank immediately. The automated system advised that the balance in my account was {$48.00} which I know was incorrect. Once I got someone on the phone I advised them that I received that email about my password being changed, which I did not do and I wanted to see what was going on. I spoke with XXXX from the fraud department, told her my account was hacked and accessed. She advised me that the people were able to make 3 XXXX transactions in the amounts of {$2000.00}, {$500.00} and {$580.00}. I'm not sure if this was done on XX/XX/XXXX or XX/XX/XXXX. 

This is a major hardship for me and my family. This is all the money we had. I'm not sure how I will pay for food, keep a roof over our heads if we don't get this back as soon as possible. 

I really need your help to get this rectified with Citibank. Thank you for your help. 

Sincerely, A very stressed out Momma.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (CA)

i have a KEYBANK account now and had one in the past and it closed on XX/XX/2022 and confirmed by XXXX supervisor, XXXX, XXXX, XXXX, XXXX and a few keybank reps. so, my school didn't look right and sent funds to the closed account on XX/XX/2022 and they kept the funds even though the account is closed. this is a big gap between dates. they sent the account to a third party on XX/XX/2022, so it is not keybank anymore and they touch my personal info and my funds that weren't suppossed to be deposited there as the account was closed. i belive one has to give the right for a payment to be authorized. however, all keybank agents are stating it shouldn't have gone through and funds shoule be return. moreover, when i call the bank and it's been a month now, they just pass me around to several departments and lie over and over they change dates over and over and then balme the keybank direct resolution department and then tell me it's actually XXXX XXXX XXXX  and XXXX  tells me its KeyBank. KB tells me supervisors and higher ups will call me and nothing no one can do anything. the alst agent said he was a higher up of a higher up and the answer was " its XXXX XXXX  who doesn't want to give funds they settle and then when i question him he said it was keybank resolution department and that was final. i informed them that i am in the verge of getting taken out of school because of the funds were to help school and they don't care and i even told them that the funds went into wrong account it had to go to open account and they keep lying and i told them i didn't authorized any funds to be use as payment.and keybank or XXXX XXXX  don't care
Consumer complaint received 2022-03-11
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: CITIBANK, N.A. (HI)

Sometime during the 4th quarter of 2021, I assisted my father in paying off his Credit Card with Sears/CBNA as hXXXX wanted to close that account and switch to a new lender. While my father and I were on the phone wit a Sears/CBNA rep trying to pay off his card with my own credit card from a different lender, the rep asked my father if it was okay for me to make payments to his card and my father said Yes. We were not under the impression that I was going to be an authorized user of the card and that I would have my own credit card with my father being the main account holder. We were under the impression that my father saying yes to the rep meant that I could pay for his Sears/CBNA card with my own card. My complaint is that there was no clear understanding of what it meant when my father said Yes over the phone. As I checked my XXXX Report, I saw the Sears/CBNA credit card on there showing that I had an account with them when in fact, the 11 years that my father had this card, I never did use. I filled an initial dispute with XXXX about this. The results stated Sears/CBNA said there was nothing wrong with that. I then contacted Sears/CBNA to have them remove it, and that rep said there was nothing in my name. I called XXXX back to share what Sears/CBNA told me over the phone and then filled an additional dispute with an XXXX Rep. Again, this 2nd dispute came back and said Sears/CBNA said there was nothing wrong. I have 2 different credit cards of my that I already have in my own name. All I am asking is if Sears/CBNA can be taken off of my Credit Report as I never did use it in the 11 years that my father had that credit card.
Consumer complaint received 2022-02-16
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: CITIBANK, N.A. (MA)

I have asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX Bank acct # XXXX Alleged XXXX  Account # XXXX : LOAN : XXXX XXXX Subsidized Amount XXXX XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOAN XXXX XXXX Career Training Amount $ XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} XXXX 
Please see attached statement. 
Ref : Alleged Account XXXX - XXXX XXXX XXXX , Social Security XXXX XXXX XXXX  ACCOUNT [ XXXX ] Re : CITI CARDS XXXX XXXX ] Re : CITI CARDS Ref : Alleged Account # XXXX
Consumer complaint received 2022-02-16
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: LEXISNEXIS (FL)

It has come to my attention that Lexis Nexis credit file/credit report with my information on it. I requested to have this information sent to me, but I was then asked to provide either my social security number or my drivers license. This a violating of my federally protected consumer rights. 
I never gave permission to furnish a consumer report with my information to anyone. They never asked for permission from me. They sent me a request form but because I never authorized them to furnish a consumer report on them, they should be the one filling out the request form. Lexis Nexis has personal and private nonpublic information about me and I feel completely violated. How and why do I have to prove to someone else that I am who I say I am, but any 'person ', as described in 15 USC 1681a, that gets my social security number, credit card as described 15 USC 1681a ( r ) ( 2 ), and goes to a credit reporting agency can place anything on my consumer report without the permission, this is a direct violation of 15 USC 1681b ( a ) ( 2 ). 
In the attached paperwork there is a section to 'opt out ' but the problem is i never opted in! 
This has completely stressed me out and this has taken a toll on my mental health. They have violated my privacy and I do not feel comfortable knowing my personal nonpublic information is just out there. Why are these companies able to get personal nonpublic information on consumers if it is a violation of their federally protected consumer rights.