davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (MO)

This is my 3rd CFPB complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I complain to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. UnXXXX 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 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 XXXX XXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : addresses not mine XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Collection accoun
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FMS Inc. (ID)

I was contacted several times by a company calling themselves FMS, a debt collection service. They asked to speak with " my name '', and I stated this is him, how can I help. They inform me they are FMS and it regarding debt collection. They then refuse to tell me who the creditor is, the reason of the debt and the original creditor until I give them my date of birth and social security number. 
I offered to verify they have the correct information or not but they refused to cooperate. I informed them I will never provide that information to a caller, don't care who they say they are. They informed me they can not help clear this up if I do not cooperate. I informed them not to call me again if they insist on this game playing. 
Since that first time I was called on XX/XX/2020 at XXXX MT and XX/XX/XXXX ( I do not have the time for that showing up but I am certain I can get it if needed from XXXX   ). 
I do not remember the date of the original contact but so far I have told them 3 times to not call me again. First not to call if they continue with same withholding information until I provide private information then the 2nd and third time I told them not to call me again no matter what. 
I got a letter from them on XX/XX/XXXX that it is a medical debt from a local hospital demanding full price of {$3400.00} which would have been settled with insurance for about {$600.00}. Also, some of these debts may be covered through a Workers Comp issue but they do not outline all the charges, they just say ... Multiple - See Reverse, then just an account number and amount owed is listed on the back. Ridiculous! 
I have called back to get information but again need to verify all the social number, date of birth etc. 
Company is Oklahoma  FMS, Inc. in XXXX Oklahoma. The original creditor is XXXX XXXX XXXX Hospital in XXXX, Idaho. 
I am sending a letter to them demanding an outline of charges and dates. They refused to provide information to me or even permit me to place a request over the phone for any information until I verify over the phone. 
I want them help to the full extent of the law and penalized for their behavior, demands, and phone calls when told to put in writing and not to call me.
Consumer complaint received 2022-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

In XXXX XXXX XXXX9 I was contacted by Nelnet. I has previously been on a Income based repayment plan that had to be renewed. I spoke with a representative that informed me I was 3 months behind on my renewal. I went through the process of renewing with him and asked how this would impact me for the 3 months I was late after informing him that I was XXXX  and due any day and had been pulled out of work due to a XXXX XXXX XXXXXXXX. I was told it would go back and cover those months since it was retroactive up to 6months. That never happend I have spoken with nelnet several times since then to clear this up and they refuse. I have also disputed it several times to no avail.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Several fraudulent charges were made on my checking account by unknown people at local area stores. A person using XXXX contacted me to tell me that I was elIgible for a grant and stated that all I needed to do to receive the funds was to give them my XXXX XXXX PIN. My XXXX XXXX pin was then used to access my checking account for unauthorized charges. I reported this to my bank at CHASE and they closed the but never acknowledged the fraudulent charges. 

XXXX XXXX transaction for {$100.00} on XX/XX/2022 XXXX XXXX  transaction for {$75.00} on XX/XX/2022 XXXX XXXX transaction for {$75.00} on XX/XX/2022 XXXX XXXX transaction for {$270.00} on XX/XX/2022 XXXX XXXX transaction for {$120.00} on XX/XX/2022 XXXX XXXX transaction for {$170.00} on XX/XX/2022
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

XX/XX/2021 XXXX pm XXXX XXXX from a car accident. Card in physical possession. Boyfriend and roommate can verify. 

Multiple steak dinners in different states attempted to charge my account. I caught it immediately and moved funds. 

First charge : XXXX XXXX {$230.00} Second charge : XXXX $ XXXX lack of funds as I moved the money out of that account asap. 

I called the police, Chime, and XXXX XXXX. XXXX XXXX investigated for me. They admitted that some man that looked suspicious picked up an online order for this amount. Chime has avoided this issues. Every time I call chime it sounds like the same vocoder person. 

I have emailed them every day. No resolution just annoying delays.
Consumer complaint received 2022-05-17
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. (CO)

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-01-14
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. (PA)

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX  And XXXX XXXX that are not showing on my credit report.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 XXXX XXXX transactions were fraudulently sent from my account to someone I dont know. One in the amount of {$500.00} XXXX dollars and one in the amount of {$370.00} us dollars. I called the bank on the same day once I saw this to dispute these fraudulent XXXX transactions. They told me they would investigate and follow up. On XX/XX/2021, I received a letter from Chase saying they were not covering the fraudulent XXXX charges because they were authorised but this isnt so. I did not send these two XXXX. I called and spoke to several people and no one would help me with my stolen funds. They were vague and not helpful at all. After doing more research I read that under regulation XXXX the bank is supposed to restore my stolen funds. Please help I dont know what else to do.
Consumer complaint received 2020-02-11
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. (NY)

I noticed a late reporting on my account with XXXX XXXX XXXX   account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.
Consumer complaint received 2021-08-04
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: Experian Information Solutions Inc. (IL)

I've filed a dispute in regards to the incorrect items on my credit report XX/XX/2021. It has been well over 30 days and I've yet to receive any investigation results.
Consumer complaint received 2022-10-17
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (OR)

I opened my Key Bank account online. I planned to use this account as my primary bank account. 

I was informed after opening the account online that i would need to come to a local branch to complete the opening process. 

I took time to travel to the local headquarters branch and arranged an appointment with the branch manager to finish opening the account. She took copies of my ID and other documents. 

I received multiple followup emails at least twice to confirm my account is fully open and ready for use. 

I arrange my direct deposit into the account. A week later all transactions in the account would appear and then disappear with no record. I received notice from a brokerage account that my transfer to my Key Bank account had failed and i would be accessed fees. 

Same thing happened with another transfer and i was accessed fees. 

I reached out to the branch manager again and informed her the unusual problems. She reached out to her back office and then told me that my account was closed WITHOUT any notice and that's why transfers into my account failed. I asked her how could this possibly be as she confirmed multiple times the account was fully opened and ready for use. She said it was because the back office said " negative banking history. '' I was in shock. 

I do not have any negative bank history. I have never defaulted nor gone into debt etc. I have never experienced amy problem like this before. 

Now i am faced with multiple fees from failed transfers after Key Bank confirmed multiple times my account was fully open and ready for use.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-05-17
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. (NV)

On XXXX XXXX, 2022, I wrote to the bureaus questing an investigation into items that I believed were INACCURATE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again for them and request that they reply within a reasonable amount of time, and they failed to do so.
Consumer complaint received 2022-01-14
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. (PA)

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT 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 2022-05-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Crow Creek Sioux Tribe (OH)

On XX/XX/2022 I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Buffalo Lake Lending. Since then, Buffalo Lake Lending has debited my account multiple times using XXXX. These transactions are unauthorized according to Regulation E. 

{$81.00} on XX/XX/2022 {$81.00} on XXXX/XXXX/2022
Consumer complaint received 2022-10-17
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. (NY)

I wrote to the bureaus about my late payment with XXXX, I gotten that resolved, I called and emailed them, it came back verified but I know that was not possible because according to 15 usc 1666b it states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This is a violation I sent them an invoice for the violations, instead what they did is delete the whole account.

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o.
Consumer complaint received 2021-08-04
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 (AL)

XX/XX/2021 they took {$20.00} {$30.00} {$44.00} and {$30.00} again then on XX/XX/2021 they took {$11.00} then {$30.00} and {$11.00} again
Consumer complaint received 2022-01-14
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. (NJ)

The following accounts did not have permissible purpose to furnish any remarks on my consumer report. I did not give these debt collectors my written instructions to furnish anything on my consumer report, which is a violation of the Fair Credit Reporting Act. Furthermore, I did not make any consumer credit transactions with the listed debt collectors below. They are in violation of the Fair Credit Reporting Act and must be deleted from my consumer report immediately : XXXXXXXX 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 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I XXXX : XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Equifax, its United States affiliates ( collectively, Equifax, we, us, our ). I the consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Equifax services or websites. 
Equifax has 15 days to permanently delete and remove the following personal data from my consumer report and credit file. Equifax is not authorized to collect, use, sell, use and share the following personal data : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax must provide free copies of my consumer report, consumer disclosure and credit file reflecting updates in accordance with consumers instructions. Any authorized use of consumers personal data will not be tolerated. 
By sending Equifax this notice consumer does not waive any rights to take action against Equifax for any past or future violations of the law.
Consumer complaint received 2022-05-17
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)

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX 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
Consumer complaint received 2022-10-17
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions