davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

I have an account with Care Credit and I noticed a few months back for years they have been charging me XXXX a month for card security fee which I never signed or agreed to. I didnt even know what this was. I called the 1800 number on the bill and cancelled the service. When I checked my account again today. They are still charging it and never stopped. I dont know how this is legal.
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF EDXXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I am the real XXXX XXXX you paid XXXX for my money I am very sorry I didn't think it's right I demand my money call me back at XXXX my email is XXXX but it's hacked account I just got out of XXXX in XXXX XXXX Florida I have proof of this I got a violation of probation for not being able to pay for my restitution on a crime I didn't commit
Consumer complaint received 2022-08-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (OH)

I have no contract with Navient. 

Navient is in violation of 15 USC 1692c by not having prior consent from the consumer to make contact about a debt. They are fabricating a communication to me without express written consent. 

Navient has committed identity theft by acquiring my information for monetary benefit. 

Navient has invaded my privacy and has reached out to my personal contacts, without their consent, about an alleged debt. 

Navient has made false claims by attaching TEN entries onto the credit file, reporting all entries as late thereby damaging my credit. 

Navient has caused harm by way of trespass, violation of privacy and identity theft. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C.1681g ( e ) ( 11 ) Definition of victim For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime.
Consumer complaint received 2021-12-17
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. (IL)

I have a mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that Best Buy violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.
Consumer complaint received 2021-10-10
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. (MN)

These documents are for the fraudulent collections account on my credit report for {$870.00} the original creditor is XXXX XXXX XXXX XXXX agency XXXX XXXX / XXXX XXXX XXXX XXXX. I am requesting this account be removed.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm reporting that transunion been provided in accurate information. As I asked for my credit report and asked them to remove in accurate information. This matter was never completed. Which this is costing me thousands of dollars reporting in accurate information on my credit report. 

I'm demanding this information to be removed due to The Fair Act Credit laws. 

please delete any other references to names as they are not mine and I have never used any of them. 

My only legal name : XXXX XXXX My only current address : XXXX XXXX XXXX XXXX XXXX IL XXXX My only Employer : XXXX XXXX  My only Phone Number : XXXX
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (CA)

XXXX XXXX account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-08-02
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: Capital 1 Consultants (VA)

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 purpose.
Consumer complaint received 2022-10-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NY)

Pay Pal has frozen my account XXXX because my husbands unemployment check was deposited in my acct. My husband made me representative payee over ALL his funds ( Although legally married in NYS, married couples money and assets, etc are marital property ie. Belong to both unless ordered by NYS Judge ). I submitted the paperwork from NYSDOL stating XXXX XXXX my husband was entitled to these funds & the notarized documents stating I am representative payee over his money and Pay Pal refused to release my funds of {$4200.00}.
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (WI)

on XX/XX/2021 i got a letter in the mail at my residence instead of going thorough my proper safe at home address. so im reporting discover to wi doj for that already. secondly some attempted to contact discovers and fraudulently steal my identity and open a credit card in my name now due to the facet i had a credit freeze and fraud alert in place. it was denied and discover notified me by letter. but i want the to no i never applied for a credit card to begin with. who ever tried to applied was not me.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was contacted in XXXX regarding alleged account with XXXX XXXX for XXXX ( est ) by a collection agency. This account also listed on credit report. In my disputing the validity of the account, I never authorized, account was removed. Then later in XX/XX/XXXX, another letter from XXXX XXXXXXXX XXXX  sent letter and forgetting I had already addressed the matter, requested validation of signatures, etc., and no validation of signatures was sent but again in XX/XX/XXXX, after I requested again in XX/XX/XXXX, a letter with alleged amount, I will include. I told them they had failed to validate account within the 30 days, and therefore request they delete account. They continued sending mail alleged indebtedness via XXXX, XXXX, and XXXX, then in XXXX XXXX. I sent certified to credit bureaus and to XXXX, XXXX XXXX requesting they CEASE and DESIST for the 2nd time. They then proceeded to put the account back on credit report alleging it is an open account, delinquent in XX/XX/XXXX. 
Their unfair dealings and strong arm overreaching and wire fraud according to U.S. 18 U.S.C.Sec 1343, is a crime to transmit fraudulent information via mail, wire, .... 
Also, FDCPA Sec 809 ( b ), reporting without validation, etc. 
It seems the more I withstand these bully tactics, the more they demonstrate willingness to violate rights, statutes and laws. 
Please help us.
Consumer complaint received 2022-08-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (TX)

To whom it may concern ; 1st Midland Mortgage was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit. 
2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score. 
3rd on all 3 credit agencies ( XXXX, XXXX, and XXXX ) are reporting different and inaccurate information.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent a certified letter to XXXX XXXX XXXX XXXX requesting all three bureaus to send me a free copy of my report. XXXX XXXX XXXX never responded or sent me a report..
Consumer complaint received 2021-12-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

The phone never gets answered in less than 15 minutes. Always citing heavy volume of calls. Same with Wells Fargo, XXXX and all the banks. They intentionally staff phones to have calls abondoned and keep customers waiting. These too big to fail banks are systematically ignoring customers from having conversations at a time and place of the customers choosing. No better proof than attempting to contact via telephone and navigate exhaustive menus and bots to end up being told no human is available for a minimum of 15 minutes. Already wasted 5 minutes to navigate ti human option. Was hung up on 3 occasions, interesting to see the call center stats and if they truly reflect a level of service that shows genuine concern to deliver to the consumer based on a standard that does not waste valuable consumer time. 
Maybe we need more people hired to deliver people to people service. 
I think the CFPB should be allowed to set a minimum service quality standard before we can no longer get service from our trusted financial institutions.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation (IL)

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. 
In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ). 
In addition, the preceding customer REQUIRES the items listed below : COLLECTION PROFESSIONA ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-12-17
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: JPMORGAN CHASE & CO. (IL)

I have inaccurate and late payments being reported on my credit report. 

You all have responded and said everything was verified as accurate but on my most recent report, it shows that you all did not investigate properly You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

This is not being reported accurately because XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my XXXX report and nowhere else and XXXX is marked late on my XXXX report and nowhere else. 

please update all to paid as agreed
Consumer complaint received 2021-12-17
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-09-30
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. (OR)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to resolve these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC (CA)

On XX/XX/2022 I wrote Evergreen Services to request that they stop collection efforts unless to inform me that a specific action is to take place. Instead, they have sent repeated emails, called numerous times, and each message is the same : " We have an important business matter ... '' Now, even after I sent a Revocation of Authority to Contact Third Parties they are calling my daughter and son and harassing them. First, they called my daughter, XXXX XXXX, XX/XX/2022 at XXXXXXXX XXXX XXXX from XXXX. Immediately afterward, they called my son, XXXX XXXX, XX/XX/2022 at XXXX XXXX XXXX from XXXX. Specifically, they asked my children to let me know that they called her and they have a business-related that they have to discuss with me. I understand that these calls are meant to intimidate, scare, and harass me. I have attached photos of the calls to each of my children as proof of what Evergreen Services is doing.
Consumer complaint received 2021-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

Hello, I submitted a request for a lower monthly payment to my loan with myfedloan. I stated that since my divorce I am newly married with XXXX new kids and have new financial responsibilities along with the student loan payment. Since the pandemic I have been struggling to make ends meet. I am in a public service loan forgiveness program that makes no sense!! At the current loan payment program, I will be paying off the loan far sooner than the 120 payments. This program does not help me. I am a XXXX XXXX XXXX. 
Sincerely, XXXX XXXX