davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2022-09-15
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: GOLDMAN SACHS BANK USA (IL)

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

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

I HAD A STUDENT LOAN FROM AN XXXX SCHOOL MORE THAN 28 YRS AGO. AT THE TIME, I REALLY DID N'T KNOW WHAT I WAS SIGNING BECAUSE I WAS LIKE XXXX OR XXXX AND HAD JUST HAD A BABY SO I STARTED THIS XXXX SCHOOL. WELL I ENDED UP XXXX AGAIN A FEW MONTHS AFTER AND EVENTUALLY NEVER GOT THE CHANCE TO FINISH THE SCHOOLING. YEARS LATER, THIS ENDED UP ON MY CREDIT AND WAS A MAJOR PART IN DESTROYING MY CREDIT. SO I FINALLY, NOT WANTING TO AT ALL, ENDED UP FILING FOR BANKRUPTCY, THINKING THAT IT WOULD EVENTUALLY GET RID OF THE DEBT ALONG WITH THE OTHERS. WELL AFTER COMPLETING AND GETTING DISCHARGED FROM BANKRUPTCY, THE LETTERS AND THE NUMEROUS AMOUNTS OF PHONE CALLS STARTED COMING AGAIN FROM THIS AGENCY CALLED NAVIENTS. INITIALLY, I WAS TELLING THEM THAT I HAD NO IDEA OF THIS DEBT BECAUSE I 'D NEVER HAD A LOAN WITH A COMPANY CALLED NAVIENT. WELL, THEY KEPT CALLING AND CALLING THREATENING ME ABOUT THIS DEBT. A COUPLE OF YEARS LATER, A COMPANY CALLED XXXX STARTED CALLING AND HARRASSING ME ABOUT THIS SAME DEBT, EXCEPT THAT NOW IT WAS MORE THAN 4 TIMES THE AMOUNT OF THE ORIGINAL LOAN WHICH WAS ONLY ABOUT {$2200.00}. WELL, THAT COMPANY INTERCEPTED MY TAXES AND IT CREATED A DEFINITE HARDSHIP FOR ME AND MY FAMILY AS I HAD JUST LOST MY OLDEST CHILD AND ONLY SON TO XXXX. I HAD TO BORROW MONEY FROM FRIENDS AND FAMILY JUST FOR HIS BURIAL. I WAS OUT OF WORK FOR WEEKS BECAUSE I COULD NOT FUNCTION. GOT BEHIND ON SEVERAL BILLS AND MAINLY MY RENT SO I WAS EVICTED BUT A FRIEND HAD A PROPERTY NO ONE WAS LIVING IN, SO HE LET US STAY THERE. I HAVE XXXX OTHER DAUGHTERS, MY SICK ELDERLY MOTHER AND MY GRAND DAUGHTER, WHO IS MY SONS OLDEST CHILD. HE HAS XXXX. AFTER THAT, I SET UP PAYMENT ARRANGEMENTS WITH XXXX AND COMPLETED THE REHAB PROGRAM THROUGH THEM. I DID NOT KNOW THAT THIS {$2200.00} LOAN HAD BEEN SOLD TO XXXX COLLECTIONS AGENCIES. THEREFORE, THE AMOUNT OF THE LOAN HAS QUADRUPLED TO MORE THAN {$8000.00}. AFTER THE LOAN CAME OUT OF DEFAULT, DUE TO THE REHAB PROGRAM, IT IS NOW BACK IN NAVIENTS HANDS AND THE PAYMENT PROGRAM THAT THEY ESTABLISHED IS WELL MORE THAN I CAN POSSIBLY AFFORD AND WOULD CREATE AND UNNECESSARY HARDSHIP ON ME AND MY FAMILY ONCE AGAIN. TO TRY TO EVEN PAY IT OFF WOULD BE MUCH WORSE BECAUSE NOW AFTER ALL THE OUTRAGEOUS FEES AND CHARGES, THEY ARE SAYING I WOULD END UP PAYING OVER {$12000.00} FOR A {$2000.00} LOAN. I WROTE THEM AND ASKED IF WE COULD COME TO A PAY OFF AGREEMENT FOR A PERCENTAGE OF THE ORIGINAL AMOUNT OF THE LOAN AND THEY DECLINED MY OFFER, WHICH IS WHY I AM WRITING TO YOU. I GET XXXX AS A VETERAN AND I 'M BARELY MAKING ENDS MEET WITH MY FAMILY AS IS. AS I STATED, THIS LOAN IS ALMOST 30 YEARS OLD AND TRYING TO PAY THIS OFF WOULD BE NEARLY IMPOSSIBLE. AND THEY ARE DESTROYING MY CREDIT IN THE PROCESS, EVEN AFTER BANKRUPTCY. CAN YOU ALL PLEASE HELP?
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
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)

I sent My Letters off XX/XX/22. I told the Credit Bureaus to " Investigate every piece of information '' on the accounts listed down below. 
Also, I have attached the tracking numbers to show I sent these letters to each Bureau voicing my concerns and disdain for these inaccuracies and discrepancies. 

According to the FRCA, the Term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, personal characteristics, general reputation, or mode of living is obtained through personal interviews with friends, neighbors, and associates of the consumer reported on or with others whom he/she is acquainted or who may have knowledge concerning any such items of information.

If these accounts are supposed to be verified, how is this possible if they did not do a proper and full investigation according to The Law.

Also, every piece of information on these accounts are still reported 100 % Accurate. And According to the FCRA 15 USC 1681 EVERYTHING has to be 100 % Accurate and they are not. I have attached the inaccuracies as well. 

These accounts are not only inaccurate but they have violated My Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I am not a criminal and have never been, nor have I been convicted of any crime ( s ).

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These are the accounts : XXXX  XXXX ( different amounts for all XXXX ), XXXX or XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MA)

On XX/XX/2021 XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX posed as the attorney of XXXX XXXXXXXX XXXX XXXX XXXX MACYS who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).
Consumer complaint received 2022-08-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sessoms & Rogers, P.A. (NC)

XX/XX/2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for XXXX. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is Sessoms & Rogers PA. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TICE ASSOCIATES INC (NY)

My company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had a lease with XXXX. XXXX ( Attached ) that ended on XX/XX/2019, XXXX XXXX charge me rent for the months of XX/XX/2019 and XX/XX/2019. According to their payment ledger that they sent me my rent was paid in full for the entire lease. They sent me Tice Associates collection agency to try and collect monies I don't owe. I spoke with Tice associates several time and explained the  situation and they agreed with me that the ledger showed I was paid and they would contact their client XXXX XXXX to see what could be done. I checked my credit report and found that they reported me to collection.This a total fraudulent claim as my lease was paid full, XXXX XXXX  even over charged me for XX/XX/2019 and kept my {$500.00} security deposit, which he will no return either. I did not even own the company XXXX XXXX XXXX XXXX on XXXX XXXX, I sold it in XX/XX/2019. ( attached )
Consumer complaint received 2022-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

In XXXX when I came back from the military I was contacted by a debt collector, for a balance from synchrony bank. I set up a payment plan, paid off my debt, and received a letter from the debt collectors stating that it was paid off in XXXX. For the past couple of weeks, synchrony bank has been constantly calling me and harassing me about paying for something that is no longer owed, I've informed them that it was paid off and that they needed to stop contacting me. Their number is on the block list, however, I'm still receiving calls and emails from them.
Consumer complaint received 2022-05-13
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: JPMORGAN CHASE & CO. (MI)

I have been reaching out to Chase bank regarding inquiries dating back to XX/XX/XXXX and have nit heard anything back as of yet. There are now 4 inquiries from Chase bank that i did not authorize, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I gave sent 2 letters the. Chase, 1 in XXXX and 1 XX/XX/XXXX. I have not heard anything back and the inquiries remain on my reports.
Consumer complaint received 2022-05-12
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: Essential Lending Inc (TX)

In accordance with the fair credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC1681 Section 602 i have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count 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 a late for any purpose
Consumer complaint received 2022-05-12
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: EQUIFAX, INC. (FL)

I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATTCHED IS A FTC REPORT WITH ALL HARD INQUIRIES
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CITIBANK, N.A. (AK)

I do n't have a Sears card anymore, I did n't Renew it. XXXX was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments
Consumer complaint received 2022-11-12
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. (PA)

OLD PHONE NUMBERS AND OTHERS NEVER HAD Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) 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 an account without my written instructions.
Consumer complaint received 2022-05-12
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. (CO)

on XX/XX/2022, I sent XXXX a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to Equifax, XXXX and XXXX requesting they verify this validity of the account as well as informing them this was a XXXX violation. 
Furthermore, XXXX is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. XXXX and XXXX have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and XXXX is still reporting it open. Equifax has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

My account with XXXX, a collections agency was reporting fraudulently and was misrepresenting my character. The company was removed from my credit reports only to be re-inserted unlawfully. 15 U.S. Code 1681 states the agency must notify myself in writing 5 day after re-inserting a collection on my credit it also states that thorough investigation must be done and a record of said investigation be given to the consumer ( me ) .Experian has failed to provide me with any evidence of an investigation and or notice of re-inserting the item on my credit.
Consumer complaint received 2016-12-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I applied for mortgage loan and found Wells Fargo Dealer Services on my credit report reporting a repossession with a balance due of around {$14000.00}. I never received the proper " right to cure '' required by Colorado law. The XXXX they show as due and owing does not reflect a reasonable effort to sell the car as required by law. I requested they provide documentation of " right to cure '' and vehicle and a bill of sale. They did not provide either and responded with a letter saying everything they reported was correct. The original balance is being reported as around 30,000 and the Blue Book value is XXXX as of late 2010. Wells Fargo has not provided information requested, did not make a reasonable effort to sell the car for its true value and has not met the burden of reporting complete, accurate and verifiable information. I have attached copies of all communication and the Kelly Blue Book Value at the time of sale.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (CA)

I have a client that is being asked to cross qualify on a property that she is making an offer on. She is a single mother and feels very uncomfortable being asked to send her personal income documentation as well as her credit report to a person that she is unfamiliar with. 
She would like to be able to buy a home that she desires and not feel like she is being steered towards a service that she has not chosen to work with. Especially on that has so much of her personal financial information. Here is the email string requesting the documentation from the borrower. 
She is being asked to do this as a contingency of acceptance of her offer. The property is being listed by XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; here is her email string back to me after I expressed concern. 
Hi XXXX, The buyer is able to do the cross qual, and it wo n't breach the privacy requirements. It was one of the seller counter items, which was not countered out by buyer side. All we need is green light to proceed before we can open escrow. Please let us know ASAP, we will need to advise the Seller. 


Thank you, XXXX XXXX ( AKA : XXXX XXXX XXXX ), REALTOR. 
Team Leader at Team Stites XXXX : XXXX Call or TEXT : XXXX Fax : XXXX Hello In order to complete the cross qualification for this property I would just need the following : XXXX Credit XXXX Anything you think I should need to know : aka using gift funds, started new job, etc Links to my reviews XXXX XXXX XXXX Star Reviews XXXX XXXX ( all XXXX Stars ) " I look forward to building lifetime relationships one closed loan at a time. '' Over {$950000.00} in closing costs given back to the customer in XX/XX/XXXX! 



XXXX XXXX Vice President of Mortgage Lending Named One of the Top XXXX Loan Officers in U.S. 
XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX o : XXXX f : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ID : XXXX XXXX - XXXX BBB Rating - XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (GA)

Discover began threatening me to make payments by a specific date or they were going to disrupt my credit score significantly. I had made a payment on XX/XX/XXXX of {$270.00} and on XX/XX/XXXX they threatened me again that if I didn't make XXXX payments totaling almost {$1000.00} that they would report me to the credit bureau as delinquent. They did it anyway the same day and reduced my credit score by a staggering XXXX points. They said I was past due of 30 days and that's not 30 days. That's 23 days since I made a payment of nearly {$300.00}. They had offered me a payment plan and I got disconnected and when I called back, they said that plan was no longer active literally XXXX minutes after I was disconnected. When they reported me delinquent, I wasn't delinquent and had set up a pavement plan that allowed me to set my first payment of {$330.00} on XX/XX/22 and then each subsequent payment would be on the XXXX of each month of {$210.00}. They never should have reported me and did so when I was making payments it just wasn't as much as they demanded. They also told me that the plan I qualified for and is now active because I chose not to listen to their employees and just did it through the app and it accepted me and my payment plan. That's wrong of them to use fear tactics and threaten my score and then make such a massive hit to my credit score despite the fact I had just made a payment XX/XX/XXXX. The reason I didn't make an XXXX payment is because the app allowed me to delay it until XX/XX/XXXX and said that there would be no impact to my credit score since I set it up to be automatic and keep it automatic for each month. My credit needs to have the XXXX points restored and noted that I was not 30 days delinquent and they used fear and threats to try and scare me into paying. 

My user name for discover is XXXX