davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I contacted Equifax numerous times about removing the fraudulent accounts and inquiries on my credit report. At this point they are acting willfully and negligently and violating my right to privacy as well. I did not give my written consent to furnish the accounts nor inquiries mentioned below pursuant to 15 USC 1681b. 


ACCOUNTS : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( Date Opened : XX/XX/XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Date Opened:XXXX )
Consumer complaint received 2022-06-22
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)

In accordance with the 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. ()

We chose Navient in an effort to consolidate student loans. We were under the impression Navient provided loan consolidation. Instead, Navient set up payments to the individual loans, each with varying interests, charging fees for their " consolidation '' services. After several years of payments, we noticed that the principal balance had reduced very little and decided to seek a new company that provided true debt consolidation. The final balance of {$41.00}, XXXX was paid to Navient on XX/XX/XXXX. On XX/XX/XXXX, Navient showed a XXXX XXXX XXXX in the amount of {$820.00}, which was never disbursed. In XXXX, Navient continued to charge us even after the balance was paid off. We called Navient and they said they would correct the problem. According to the attached statements, Navient did reverse the charges on XX/XX/XXXX and still had not distributed the XXXX XXXX XXXX shown on the statement. Beginning in XX/XX/XXXX, Navient began charging late fees on a nonexistent balance and continued to do so through XXXX of XXXX. After several calls to Navient, they promised to open an investigation and correct the errors. The customer service representative admitted there was a problem, stating that it was " a mystery and a puzzle ''. Despite repeated attempt at correcting the issue and a promise of an investigation, Navient proceeded to report the balance to my credit agency which has now affected my credit. The company has still provided no solution, has not disbursed the {$820.00} Credit Balance Refund, and continues to charge late fees and report balances as unpaid when the statement clearly shows the opposite as evidenced by the attached statements.
Consumer complaint received 2022-08-20
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX Not only is the account incomplete, its also inaccurate. 

Why are there so many missing fields of information? Did XXXX not supply that information to you? 
Equifax and XXXX are both reporting payment history while XXXX XXXX is not. Was I late? When was I late? I don't recall ever being late on my payments.
Consumer complaint received 2022-08-20
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. (AZ)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item 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 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 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 2022-08-20
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)

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. 

On XX/XX/2022 I received a notice that my credit score had dropped XXXX points due to three late payments involving XXXX XXXX XXXX XXXX had been reported. The months reporting late were XXXX XXXX, XX/XX/2022, and XX/XX/2022. I have contacted all three credit unions, and provided them with copies of my on-time payments for the following months. In XXXX I made an on-time payment to XXXX XXXX XXXX XXXX in the amount of {$350.00}. In XXXX I made an on-time payment of {$350.00}, and in the month of XX/XX/2022, I made an on-time payment of {$350.00}. After a few weeks all three unions wrote me a letter informing me that all the information reported on my report was correct, and that they found no errors. This is incorrect, given I provided documentation proving that I indeed made on-time payments for the following months ; XXXX XXXX, XX/XX/2022, and XX/XX/2022. I would like these items to be corrected/and removed to report correctly.
Consumer complaint received 2022-08-20
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 ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00}
Consumer complaint received 2022-06-22
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. (AL)

I asked the credit bureaus to do a verification of ALL information on my credit report, they stated that they did and stated everything was accurate. After doing a thorough research myself and found improper Inaccuracy on my report after they stated that they verified ALL information to be accurate.
Consumer complaint received 2022-08-20
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (GA)

This is what I sent the bank. They have not responded helpfully by any other means and don't really show any interest in stopping this. I'd like to close that account and more importantly recover my money. Thank you. 

Hello, I'm sorry but I did not make these charges. I've blocked the card, it was thrown out because it wouldn't work for me. I reported some other charges already. What should I do? Is it to late to reverse these? It looks like someone else has is using my card, I think my info must've be sold online. Please cancel my accounts. ally account # - XXXX I didn't make any of these charges : XX/XX/2022 XXXX XXXX, XXXX- {$800.00} XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV, XXXX - {$1800.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV, XXXX - {$15.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$140.00} XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$2200.00} XX/XX/2022 XXXX 'S # XXXX XXXX XXXX XXXXXXXX, NV, XXXX - {$43.00} Thank you. 
Best, XXXX XXXX I was scammed somehow I do not know how. It's no one I know. I haven't given my pin or card or anything other than normal shopping but nothing so expensive.
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (TX)

The lease XXXX XXXX XX/XX/XXXX signed was the name of the account opened. I was added as an extension to get a parking pass for guests. The lease ended in late XXXX between XXXX, and was not eligible for lease renewal. The debt was transferred inaccurately to the wrong XXXX. There was a qualification for the lease I wasnt there for & a background check that I didnt do to open an account with the apartment.
Consumer complaint received 2022-11-24
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: Upgrade, Inc. (MD)

I XXXX XXXX am a natural person I am the actually person submitting this dispute this is not a third party. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose.
Consumer complaint received 2022-08-20
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$9000.00}
Consumer complaint received 2022-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

The loan servicer has not paused my payments/interest during the XXXXplus years in which the Presidents of the United States enacted payment pause of student loans during the COVID pandemic. During this time, Navient would guide me into forbearance and not pausing these loans, The Department of Education sent me an email ( that I have enclosed ) stating my loans should be paused until XXXX of this year by the President of the United States. However, Navient continues to call and email me about my payments during this time. 

The Department of Education sent me an email ( enclosed ) dated XX/XX/2022, stating payment pause was extended to XX/XX/2022. Navient emailed me ( enclosed ) on XX/XX/2022, stating forbearance was an option concerning my federal loans with them not mentioning these loans should have been paused since the first payment pause from the Trump Administration.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NJ)

My partner and I received multiple fraudulent charge notifications from Ally regarding debit card purchases from our joint checking account. I contacted Ally Bank to close down the card in question but continued to receive notifications. I disputed these charges and they reimbursed me. Then, today XX/XX/22, my partner and I receive the same notifications. We log on to see fraudulent charges and despite attempting to contact Ally over 5 times with holding on the phone over 45 minutes multiple times I have not been able to reach anybody. The debit card in question has never been activated or used. It's never even left the safe location we keep it in within the house. It seems like there is a major data breach that Ally Bank is not sharing with it's vulnerable customers.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

The credit bureaus make up things and place it on my credit rather than focusing on accuracy. They show payments for dates I don't have statements for. In addition the account was closed in 2014. Their dates don't match the facts I have.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (VA)

I subscribed to a newspaper, the XXXX XXXX. The newspaper failed to deliver the paper and went weeks without actually delivering it. I actually thought my subscription had expired until I saw I was charged again for a renewal. I called my credit card company to try and cancel future charges and they suggested I dispute the charge form the last renewal which I agreed to. They disputed the charge for me and credited me the money back. The newspaper then sent the charge to collections. 

After receiving the initial debt collection letter I wrote a response to the debt collection company informing them that the debt was not mine and they should not contact me again. They failed to heed my request and have continued to send me collection letters. 

The company is A.R.M solutions, XXXX XXXX  XXXX XXXX CA, XXXX, ( XXXX ) XXXX. My account number with them is : XXXX.
Consumer complaint received 2022-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc. (GA)

This is not a duplicate complaint! I reference the previous complaint number but it is new information in detail. 

In response to CFPB complaints # XXXX. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for violating a cease and desist notice they received XX/XX/XXXX  and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a Cease-and-Desist notice, Exhibit A which is a copy of the account reporting on my Experian consumer report, Exhibit B which is a copy of their response to CFPB complaint # XXXX, and a XXXX  of an FTC report that will be labeled as Exhibit C when filing litigation in Federal Court to this complaint. PDQ Services Inc stated, that they invite you to write us directly at XXXX XXXX  XXXX, XXXX, GA XXXX. I never contracted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with PDQ Services Inc and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. PDQ Services Inc " stated your dispute above is too vague and we need more information to complete an investigation. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving PDQ Services Inc any right to collect on this alleged debt. It is my belief that PDQ Services Inc are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. PDQ Services Inc also stated " we will be happy to provide a proper response. I have never received any documentation requesting by attempting to furnish validation from PDQ Services Inc before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PDQ Services Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring
Consumer complaint received 2022-08-20
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. (CA)

Those hard inquiries appeared on my Equifax report that I did not recognize. So that I did not authorize those inquires on my credit report List of hard inquires : XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHS, Inc. (VA)

When SCA Credit first contacted me, about a bill with XXXX XXXX, I had informed them that I'm only able to pay {$25.00} a month, because already I'm paying on another bill from XXXX XXXX. The man I had spoken with, told me that paying {$25.00} would be harmful for my credit, and in order for the harm on my credit, I would have to pay at least {$50.00} a month. I repeatedly told I'm only able to pay {$25.00}, and kept pressuring me to pay the {$50.00} a month. I asked him why couldn't that bill be added/connected so that I could have only one bill to pay, instead of paying multiple places, for one biller. He told me no, that would be illegal, because it's double billing. I'm paying for a bill directly to XXXX XXXX, from a past XXXX. The bill that SCA Credit hold possession of, consist of two separate bills, to the same company. He finally eased up, and put in my monthly of {$25.00}. In XXXX, I had missed a payment, but in around XX/XX/XXXX, I was able to catch up, and pay for XXXX and XXXX, of $ XXXXThis past Thursday, XX/XX/2022 I received a phone call from SCA Credit Services , saying that I was one payment behind, and the lady was pressuring me to pay both this month 's bill and the one I already payed. I told her that one was being sent to the company. She kept pushing, and pushing, asking how I would like to pay. I told her that I couldn't pay, because I have other bills to pay. She made feel, as though I intentionally, and recklessly had the bill created, and have it marked, about me not paying more then {$25.00}, and it'll go against my credit. Today, ( XX/XX/2022 ) I received a letter, stating that " they've done all they could do, and to keep from further collection of the original debt, I would have to pay the full amount of {$670.00}. '' Seems as though they are suggesting that legal action is in the cards, even though I've been paying, and did pay {$50.00} around XX/XX/2022. With the attached files, you will see the last month 's bill, showing what I'm paying, my bank statement showing that I've been paying, and the letter they had sent me.
Consumer complaint received 2022-08-20
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX