davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXXXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2018-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (IL)

I seen that on my XXXX XXXX account that my score went down by 88 points due to a Eos Cca ) XXXX? From XX/XX/2018? I have no idea what that even is.. I have not apply for anything or nothing..only bill I have is a car payment! I just had a credit repair company fix my credit!!!
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

I spoke XXXX XXXX at XXXX XXXX. XXXX did not provide me customer service. All I needed Lowes to do was remove authorized user from account and XXXX advise could not do that because her company was having technical issues. Her response to why she could give me customer service was invalid and I would have to call back and possibly go through same torture. I was on hold for 45 minutes and did not accomplish anything.
Consumer complaint received 2018-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

After Chase approved me for an XXXX card but then did a soft pull and closed my accounts. Because I have good credit, pay my bills on time and do not make them lots of money on interest ( only interchange fees ) I was a risk bc I use my good credit for the many perks all of the banks offer with their credit cards. I can not help that their cards are not worth spending money on, and that the perks of paying the annual fees are the only reason to keep a card open, short of their UR earning cards. I am not a risk, my husband earns enough to justify our spending, yet Chase closed all of my cards bc they felt we were a risk ( not profitable enough which is a shame ). The real problem here is that I am not profitable to them, as I do not pay interest in their scheme and am able to pay my bills on time. I want the opportunity to earn the XXXX bonus ( the fruit that they hang to the poor consumer that doesn't know any better ) or I want every annual fee refunded.
Consumer complaint received 2019-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NM)

My original Student Loans from Navient totaled {$5200.00}. I made payments from XX/XX/XXXX to XX/XX/XXXX totaling {$2900.00}. I received a notice of default on XX/XX/XXXX with the amount due totaling {$4800.00}. 
I received tax offset notices from The Dept. of Education on  XX/XX/XXXX ( {$330.00} ) and XX/XX/XXXX ( {$520.00} ). I received a debt collection notice on XX/XX/XXXX for {$6000.00} ( principal bal {$2900.00} ). I disputed the amount owed, but was answered with another debt collection notice on XX/XX/XXXX for {$6100.00}, which did not provide any payment history or other details as to how the payments were applied. I received additional tax offset notices from DOE on XX/XX/XXXX ( {$720.00} ),  and XX/XX/XXXX ( {$53.00} ). The additional {$1600.00} in payments made between XX/XX/XXXX to XX/XX/XXXX via tax offset, bring my total payments made towards this loan to {$4500.00}. 
After being turned down for an FHA loan in XX/XX/XXXX, I contacted the Dept of Education regarding my student loan. Again, I disputed the amount owed. I received a letter on XX/XX/XXXX detailing my payment history from XX/XX/XXXX to XX/XX/XXXX, which did not include payments before the default. What it did show was that {$0.00} of the {$1600.00} collected was applied to the principal balance. I then contacted Navient in an effort to obtain my payment history prior to the default. I received a letter on XX/XX/XXXX stating that a claim was filed and the loans were transferred to the guarantee agency. Their records show the outstanding principal to be XXXX. 
As a result of my inquiries I received a debt collection notice on XX/XX/XXXX for {$7700.00} and the principal balance is still {$2900.00}.
Consumer complaint received 2022-08-05
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)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

On XX/XX/XXXX Discover closed my account which I had since XXXX with not even one derogatory remark and with a credit limit of {$18000.00}. When I called the company they claimed it was closed due to inactivity even though I explained that I use it to make large purchases and that it hasn't even been a year since the last time I used it. They explain that I would have to apply again and lose my credit history since XXXX. It is unfair that they would do this without even notifying me first. Now my credit score dropped due to my credit utilization increasing after losing this credit line.
Consumer complaint received 2020-08-13
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. (MD)

**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

**Equifax I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/XXXX I traded in my XXXX XXXX XXXX at XXXX XXXX in XXXX for a XXXX XXXX XXXX. 
On XX/XX/XXXX I logged in to my Hyundai finance account and noticed my account had not been paid off. 
On XX/XX/XXXX I contacted Hyundai Finance XXXX and explained to them that I had traded in my car on XX/XX/XXXX. The representative explained they had not received my check and I needed to make a payment. I explained to Hyundai finance I had just paid the XXXX XXXX a fee for the trade in, I didn't have money left over and everyone in my household had been laid off and unfortunately i was the only financial provider. They explained because I was not the one laid off they could not help me. I then contacted XXXX XXXX and they explained they had sent out the check. I called back Hyundai Finance and they said to give it a couple of days before I call to clear the account. 
On XX/XX/XXXX I made a payment to Hyundai Finance of {$420.00} in fear of it affecting my credit score since my credit score was XXXX and I am planning on purchasing a home in the end of XXXX. 
On XX/XX/XXXX XXXX XXXX gave me a XXXX XXXX tracking number and I discovered the payment had been received by Hyundai Finance on XX/XX/XXXX ( the day before I originally called them with the concern ) On XX/XX/XXXX I received an email from Hyundai Finance confirming a payment of {$18000.00} had been received on XX/XX/XXXX. I logged into the account and confirmed the payment. I also discovered Hyundai Finance entered my payment of {$420.00} before entering the {$18000.00}, using my second payment to get the interest and principal payment. I then contacted Hyundai Finance on XXXX XXXX and explained to them the payments and the concern of the over payment. They informed me I should get a refund within the next 10 days. 
On XX/XX/XXXX I called Hyundai finance looking for my refund payment plus I explained the XX/XX/XXXX statement showed I had a balance of {$88.00}. I explained to the representative my pay off balance on XX/XX/XXXX was {$18000.00}, 2 payments totaling {$18000.00} was received by Hyundai Finance and I should in fact have a refund of {$460.00} and not a balance. She explained once the account is closed which would be on XX/XX/XXXX it will finalize if I owe more money or I get a refund. 
On XX/XX/XXXX I called Hyundai finance and the representative explained he will send another email to their finance department. 
On XX/XX/XXXX I submitted a dispute with XXXX  due to the Hyundai Finance open account that has been paid off On XXXX XXXX I get an email from XXXX  XXXX  letting me know my credit score dropped 31 points. I logged into my XXXX  account and sure enough my credit score dropped because my Hyundai Finance account is still showing active and a balance so the debt to ratio is much higher.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX ( 1 minute ago ) to me I hereby give you official notice that I have been subject to your company 's improper management of my private information, which has been distributed to parties unknown to me, for profit, without my consent or breached by malicious hackers. Being that I have the inalienable right to 100 % control and protect my private information, I am hereby proclaiming that your company no longer has the right to right to use my private information in anyway unless you get consent from me by calling XXXX or emailing me at XXXX. 

YOUR COMPANY NO LONGER HAS THE PERMISION TO PARTICIPATE IN THE FOLLOWING ACTIVITIES WITHOUT CONTACTING ME VIA EMAIL OR PHONE FIRST : 1.Storing and Furnishing my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX. 
2.Using, supplying OR updating my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX XXXX 
3.Selling my information without paying me first and calling me at XXXX or emailing me at XXXX I demand all on the grounds that all of my information is private and inherently belongs to me with all rights reserved by me, to me and me only. I repeat you must contact me before DOING ANYTHING with my private information at XXXX or emailing me at XXXX XXXX 

Also, I resend/void all consent for you to use my information I any way, rather its written, spoken, or implied, given unknowingly/knowingly, from me. If you claim that your company has such claimed consent, I contest that such was granted unknowing and/or I did not fully understand the terms and I was not issued full/clear/intelligible disclosure of such. Such a method of gaining consent is unscrupulous and fraudulent in nature ; hence I challenge the grounds in which you use to gather such illusive " consent '' from un expecting consumers as myself. 

I demand a report of all information that you have on me and a list of parties who you have furnished such information too without my consent.

I will not furnish you with an address because I do not have one ; as I am currently XXXX and XXXX. If you try to force me to produce an address to correspond with me or allow access my information, please be advised that such is discrimination against a XXXX and XXXX person, and I will immediately report such. Company policy does not supersede rights and protection laws. My contact information is XXXX or emailing me at XXXX. This is all I have and all you will get. 

Attached is Identification to Verify my Identity : Military ID : Front and Back Passport Social Security Card
Consumer complaint received 2021-04-23
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)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Consumer complaint received 2020-06-26
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 (NY)

I advised Barclays Bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that a company named XXXX was using my card without authorization. They were told to block this company from using my account on all of the above dates. To date, they still have not blocked this company from using my account and once again on XX/XX/XXXX my card was used again by XXXX in the amount of {$11.00}. I will not pay for these purchases. I have three emails directing Barclays not to allow this unauthorized company to use my account, but they choose not to do anything about it. I want a refund of the {$11.00} ( XX/XX/XXXX ) {$12.00} on ( XX/XX/XXXX ), {$5.00} ( XX/XX/XXXX ) and {$11.00} on ( XX/XX/XXXX ). For a total of {$41.00} and I WANT XXXX  BLOCKED FROM USING THIS ACCOUNT. THEY ARE UNAUTHORIZED!!!!!!!!
Consumer complaint received 2020-10-27
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (FL)

On XX/XX/2021 I closed my account with lending clubXXXX XXXX  However I had a {$500.00} transfer from my XXXX  account going into this account According to XXXX XXXX they said they would reject my funds and it would be going back into my XXXX  account. I have filed a case with XXXX  and XXXX bank and both banks claim they dont have my {$500.00} transfer which shows it left XXXX XXXX into XXXX  but no where to be found I provided XXXX  XXXX  with a Web ID number XXXX It was transferred over to XXXX XXXX account XXXX There is no way two major banks lose {$500.00} I need this investigated immediately and my {$500.00} returned
Consumer complaint received 2022-10-04
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. (CT)

On XX/XX/22 & XX/XX/22 I had disputed with each of the three credit bureaus about the two inaccurate accounts on my credit report. XXXX. XXXX XXXX Number : XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX As a result they sent me back a letter stating they were unable to locate the file, yet they are still reporting the inaccurate/negative account information. I have asked for them to provide me with signatures from the original creditors to prove I have ownership of these two accounts that they are reporting on my credit reports and they have failed to do so. I have also asked them what their method of verification was if they even conducted an investigation and they have failed to provide me with such information. I believe the letters are stall tactics so they can keep reporting negative information about me. I have already been denied housing because of these negative remarks on my credit report. Its not only injurious to my score but its preventing me from doing things such as getting a place to live. As a result id like these two accounts deleted because they have yet to do their job in providing me the information I'm privy to based of the Fair Credit reporting Act. I'm asking your company to make them abide bay the govern laws set in place to protect me the consumer from and business practices such as this.