davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I am a victim of Identity theft.On XX/XX/21 an unauthorized account was opened in my name with Citibank. To this date XX/XX/21 approximately {$3700.00} is owed .this amount is in my credit report.I did not authorize this account to be opened and it Was opened without my knowledge or consent.
Consumer complaint received 2022-09-29
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair 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.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

I had stopped making payments and using my Citibank card back in XXXX. When I stopped paying my debt including interest was around {$1800.00} ( my max was {$2000.00} ) I had been on XXXX due to a bad XXXX XXXX at work that required XXXX and then when I finally got a job in XXXX I was laid off wishing a few months due to Covid. In XXXX I received a letter from XXXX XXXX XXXX stating their intent to sue me for a debt of {$2500.00} which was almost a {$1000.00} more than what they shut the card off at, but still kept charging late fees and interest. I sent them an email on XX/XX/XXXX informing them of the above information as well that I was currently unemployed due to covid but when I was employed I would be willing to make payments. I never received any contact, and they served the papers of the lawsuit to my sister-in-law with a different last name not to me and she did not give it to me for a few days. The papers stating the lawsuit had no court seal or anything showing that it was an official court document, and they did not have a state licensing bar number listed so I though it was a scam also it now showed over {$3000.00} balance due. Supposedly a judgment was delivered however when I logged onto the court website it states they sent about 10-15 documents none of which I received I did not hear anything from them again until they sent a letter ( the XXXX XXXX XXXX XXXX that a judgment was received. Again no court seal or anything to prove an official government document or decision, no licensing bar number and the balance due now stated over {$3100.00} and since I had not heard from them for months I didnt believe it went to court. I asked for clarification on why the amount changed so drastically and they said it was due to interest still accusing.
Consumer complaint received 2022-09-29
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)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-23
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. (TX)

I have been disputing this account for over a year now. XXXX XXXX XXXX XXXX has ignored my request to provide me with all documentation in their possession pertaining to this account. So I don't understand how the credit bureaus are constantly updating this account as verified when I am 100 % sure XXXX XXXX XXXX XXXX hasn't provided them with any proof of the account either. On top of that, I have not received any results from the credit bureaus from any of the investigations I have requested. Here are the dates for each dispute I have sent XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 for this year. So at this point its clear that the credit bureaus have not conducted a proper investigation for this account which is a violation of the FCRA. I want this account deleted ASAP.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I defaulted on a debt with XXXX XXXX way over a decade ago. After 7 years when this remained on my reports, I started disputing the report with the credit agencies. Instead of dropping from my report it keeps being sold and reaged. Please help!
Consumer complaint received 2022-09-29
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. (TX)

XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry dates XX/XX/XXXX XXXX 

15 USC 1681 section 602 A. States i have a right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Consumer complaint received 2022-12-12
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: FC HoldCo LLC (VA)

My information might have been impacted by the XXXX data breach and may have got into the wrong hands. I have applied for a car back in XXXX of 2022 through XXXX XXXX " only '' and now I have multiple hard inquiries on my XXXX, XXXX and XXXX credit report
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022. I was on my way to work and needed to take out money for rent. I attempted to take out {$800.00} from my checkings but was unable to take out as my checkings didnt have enough. I sent the money from my savings to my checkings to have it over {$800.00} but the machine still registered me having {$400.00} at the time and wanted me to do an overdraft protection which I did not want to do so I wanted to cancel taking out any money. The machine then said there was an issue and allowed me to take out my card with no money dispensing. I tried the other machine to see if it was just me but both machines were declining me from taking out money. The atm never opened and I was never able to collect the money and left. I came back hours later after work and asked the tellers instead for {$800.00} since I couldnt take it out. I sent a complaint to chase and after 20 days, they decided that I took out the money and reversed the {$800.00} the credited me. They are implying I took out {$800.00} and left when I know there are cameras that can show I never took out any money from the machine since it never opened.
Consumer complaint received 2022-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

On XX/XX/XXXX I paid the remainder of my private loan, on XX/XX/XXXX I reached out to Navient regarding a refund for the over payment of {$130.00}, I was told by a rep name XXXX that he was entering the information for the process of my refund in the amount of {$130.00}, I informed him that I wasn't able to stop the payments in time which it will be another payment amount of {$130.00} on XX/XX/XXXX, I would like both of those payments be refunded to me. I was told that it will take 7 days in order to get that. On XX/XX/XXXX I spoke with a XXXX with Navient, he stated that the rep that enter the first time made it come up invalid. At this point I would like my refund in the amount of {$260.00} be process expedited quickly as possible so I can finally be done with Navient. It's bad enough I had to continue paying on a loans from XXXX XXXX which was found guilty in fraudulent practices. This whole ordeal have been very emotional. I already lost my XXXX XXXX XXXX that can't be returned due to XXXX so I would like my refund, this matter forever closed.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MO)

Equifax reporting agency is reporting false and inaccurate information on my credit report I have reached out to them on this matter there is a medical debt collection appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with XXXX disputes for this account is not been properly Investigated the dispute is coming back as accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter. the three accounts listed was coved by XXXX XXXX to the original Creditor I owe no debt collector agencies listed above for any debt I have not received any services from these companie nor have any contracts with them they are operating illegally and illegally sharing my healthcare information. and also documents was signed that my healthcare information would not be shared with any third parties so I don't even understand how theses companies has access to my XXXX data
Consumer complaint received 2022-09-29
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: DISCOVER BANK (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that 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.XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2017 Balance : {$10000.00}
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (MI)

I received a letter in the mail saying I owe amcol systems XXXX dollars I dont know who they are I never used their service who please can you you have them verify that I have used them XXXXXXXX XXXX account number XXXX XXXX my name is XXXX XXXX XXXX XXXX address XXXX XXXX XXXX mi XXXX
Consumer complaint received 2022-09-29
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)

After I sent Bureau letters last XX/XX/2022 incorrect accounts are still reported to my personal credit file. The 3 Bureaus Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified accounts without providing any proof required by law. The XXXX credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate & I never authorized for my credit to be accessed. Here are the list of accounts that needs attention in my file : XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-29
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)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this XXXX mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it removed.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (CA)

I am being billed for a debt that is not mine. PAM is attempting to collect a {$6.00} bridge toll from me for a vehicle using false licence plates. The vehicle in question did not have XXXX  licence plates. I previously disputed the validity of the debt, and PAM failed to respond with evidence showing that the vehicle was mine or that the licence plate belonged to me.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am frustrated and I feel ike the Credit Bureausa have been ignoring my disputes requesting the correction of the disputed items that are still reporting on my Credit File despite the multiple letters and CFPB Complaint I have been submitting addressed to the Credit Bureaus. As of now, I am submitting another CFPB Complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. Please correct and or remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX- This address in incorrect and outdated, I need you to please remove this inaccurate address from my Credit File. 
XXXX XXXX  XXXX Balance Owed : {$0.00} - This account is CLOSED and the BALANCE is XXXX, and you have been reporting this account as late when in fact the account was paid and closed. Please correct this account or remove if unable to correct.
Consumer complaint received 2022-09-29
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: BARCLAYS BANK DELAWARE (NJ)

I checked my credit score and noticed my credit score went down. I looked further and found credit card was open with Barclays Bank Delaware. More than {$2000.00} was charged to the card.