davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (NY)

Credit Management LP is attempting to collect an alleged debt for XXXX XXXX. There have been several unlawful attempts by this company to collect payment for the alleged amount of {$570.00}. After informing a representative to not contact me demanding a payment. Without adhering to the law and giving me the opportunity to dispute. Credit Management illegally had this debt added to my consumer reports. Attached is my Letter to Cease and Desist the illegal collection activities IMMEDIATELY.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 15 U.S CODE 1681 section 602 A. States I have the right to privacy.

15 U.S CODE 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2022-10-20
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. (NY)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Opened : XXXX. XXXX, XXXX, Highest Balance : {$25000.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-10-20
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. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : 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 a account without my written instructions.

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

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

This keeps coming up on my report and it is inaccurate info. This was for XXXX  and no money was owed. This company started harassing me, calling me early in the morning, late at night. It keeps showing up on my credit reports as late payments. Its first showed up over 7 years and now it is showing again as a 2 year negative account. 

It last was reported again in XX/XX/XXXX as a chargeoff.
Consumer complaint received 2022-03-31
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. (NV)

The credit bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

they did not do this Also, they have violated my rights even more In accordance with the Fair Credit reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. Payment history is also showing inaccurate reporting on all 3 credit Bureaus. This grounds for Removal They Also Violated the law because according to 15 U.S.C 1681 Section 602 A. States I Have the Right To privacy! 5 U.S.C 1681 Section 604 A Section : States a Consumer reporting Agency Can not a account without my written instructions I did not grant anybody written instructions
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XXXX an amount of {$6100.00} was deposited, posted and made available to my account. I contacted customer service through Chase Online Banking 24 hour help service. I explained the deposit slip account number did not match mine and the bank deposited it to my account in error. I was then told to contact another service department at XXXX eastern standard time. I contacted the service branch and they proceeded to tell me this was only able to be handled through a branch because the check was made deposited by a branch. Both women who helped had similar accents and the check deposited is also to a foreign sounding company from a three letter company. The check image is grainy and appears to be blotched and none credible- no signature, make payable to the account name ( I am not a business or hold a business account ), the date on check is the XX/XX/2022, the written amount does not match the numerical amount ; the deposit slip also is incomplete, being there is no check in the box next to the type of account. This feels like a loop scam to keep the funds from being transferred out of my account and into the proper account that is a digit off from mine. I will be proceeding into a branch when one opens in about 3 hours.
Consumer complaint received 2022-10-20
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 ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XX/XX/2022.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (SC)

The company called my mother and told her that I was going to go to jail if I did not get in touch with XXXX XXXX XXXX. Also, and address was needed to serve my paperwork for court. She gave the company my address and told them a time that I would be home so the said company can serve me some type of paperwork. The address listed on the paperwork is mine however, it was received by a neighbor of my mother. After, knowing my address. The neighbor daughter gave me this information a week after someone gave it to her father. The information provided has inconsistencies and multiple addresses. The paperwork that was given did not come in an envelope with a return address. A letter about debt repayment options was mailed to my mother house as well after my address was given.
Consumer complaint received 2022-10-20
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-03-31
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. (NY)

In accordance with the Fair Credit Report 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. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER:XXXX  ACCOUNT NAME : XXXX LA ACCOUNT NUMBER:XXXX
Consumer complaint received 2022-03-31
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. (NJ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-31
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. (OH)

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number 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 a account without my written instructions
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Ria Envia, LLC (MN)

I tried to cash my money order at Walmart, and it wouldn't process. They then further mentioned they couldn't process my request because my credentials were on hold, and that possibly because someone used my identity to make a XXXX dollar check cash back in XX/XX/2020.
Consumer complaint received 2022-10-20
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)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2020.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Hi, I have been feeling disturbed with the total loan debt I owe with Navient. It is currently over XXXX! It does not make sense. I was always encouraged to apply for Forbearance, and that led to more increasing in interests which added to the loan. 
I previously asked for lower payments like XXXX XXXX per month. They did not go any lower to the amount I wanted but stayed at higher amount. I gave up and got pulled into Forbearance too often. This situation is causing me to be drown in heavier debts and that may look like it is impossible to pay off. It probably will be paid off at the time of my death. 

I still do not believe the amount of the loan to be correct. Something is off.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On Thursday XX/XX/XXXX I used be cell phone to deposit my XXXX XXXX XXXX employee check. Since i recently switch accounts, the XXXX XXXX XXXX issued me a paper check. I put it into my account early. Wells Fargo put an 11 day hold on it without legitimate explaination but there is suspicion activity on my account. They will not release my hold and i have absolutely no money. I get paid twice a month and I'm a single mom of XXXX kids. I can't afford for them to hold my check. They did not warn me that since my account was new, they would hold my check. I need a way to get my funds released immediately.
Consumer complaint received 2022-10-20
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. (NY)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (MO)

I was told from a company that my credit was froze I did not freeze my credit so I started to look into this matter. I signed into XXXX XXXX and XXXX and I had no credit freeze so I decided to look into equifax. I tried to log into my equixfax account but could not remember the password so like any normal person I called and told the equifax agent I need to get access to my account & also to ask if I had a credit freeze on my account. The agent asked me security questions and then told me I did have a freeze and I asked for him to remove it and he said yes. I then asked to help with access to my account since I didn't know my password he tried to reset it but it didn't work. It said my account was locked but did not tell me why it was locked. I called back for two more days straight talking to agents who gave me the spin around and wasted my whole day. I finally talked to one agent who finally asked me during the security verification if I had a previous address on file I said yes. He then told me that agents previous locked my account because when they asked for my address I gave them my current address and not the old address that Was linked to my account! Why would your agents waste my time for hours when they simply could have told me I have the wrong address. So now your untrained agents locked my account because I proved my new address instead of my old one And now you are saying I can't access my account unless I mail you guys a company of my ssn card and ID. How do I know that Is safe? Why can't I get access if I just gave you all my information why do I need to mail it. Because of equifax I have been behind on so many things because company 's and myself can't access my account.I wish I never used equifax. It is the worse credit company EVER! You can literally XXXX " I can't aces my equifax account '' and see thousands of treads of people having the same problem with you're company .I have no problems accessing my accounts with XXXX  or XXXX XXXX. I want access to my equifax account only to unlock my credit and NEVER use it again. Please tell me how to access to my account.
Consumer complaint received 2022-03-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NY)

I am an XXXX XXXX in the XXXX stationed at XXXX XXXX XXXX. I bought a car ( XXXX XXXX XXXXXXXX ) from a dealership in XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. That was my first car in the states and didn't know anything about financing and APR and how the auto dealership can scam you. The XXXX car which barely worth {$14000.00} at the time, cost me XXXX. The dealership also sold me an auto service contract which I never asked for. They didn't even provided any of the documents to me not even the car 's title. They asked me to sign everything digitally and I did it. The first company that finance me was Security National Automotive Acceptance Company LLC, later without informing me the financing company changed to Westlake Portfolio Management. I had an accident in XX/XX/XXXX and the XXXXnsurance company " XXXX '' declare it a total loss. My XXXX insurance paid them {$12000.00} and rest was paid by the XXXX insurance. They should have paid me back the amount they charged me for the auto service contract which I never used it. I tried contacting them through several phone calls and they all ( dealership, financing companies, the XXXX insurance " XXXX XXXXXXXX XXXX " and the auto service provider " XXXX XXXX '' ) ignored me and keep passing on to each other. 
So after working hard for years on my credit, I though I should have a good credit. But after applying for very small loan, the loan officer told me that I have an unpaid balance from auto loan company named Westlake Portfolio Management. I tried contacting them, they told me my account was closed and gave me another company 's name to contact after I explained the situation. I tried calling them everyday, but nothing yet. So I need your help in this, because they ruined my credit, overcharged me and not responding. Thank you.
Consumer complaint received 2022-08-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: R.M. Galicia, Inc. (CA)

XX/XX/2022, I received a phone call around XXXX XXXX stating that I had a debt with XXXX XXXX XXXX, Reference number is XXXX, I do not have any responsibility for the debt youre trying to collect. XXXX XXXX XXXX If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2022-10-20
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. (NV)

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, NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2021-08-04
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. (CA)

There is one account on my credit report that does not belong to me I have tried to get this taken care of with the bureaus as well as the furnisher this is not my account I need this off my credit ASAP. 

XXXX XXXX  XXXX. - Acct # XXXX
Consumer complaint received 2022-03-30
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. (FL)

XXXX, EQUIFAX AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE.
Consumer complaint received 2022-08-24
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. (IL)

Filed a dispute with the 3 credit companies last year. they didn't remove everything. I've had problems trying to get credit because the stuff is still showing up on my report.
Consumer complaint received 2016-08-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (IA)

I received a letter from XXXX ( which I assume is a debt collector ) they are trying to collect on someones Paypal Credit account, but its not mine. I do n't even have a Paypal account. The letter does not tell me much just that it 's a Paypal credit account.
Consumer complaint received 2022-03-31
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. (GA)

On XX/XX/XXXX, XXXX XX/XX/XXXX. This is my 3rd attempt trying get Equifax and XXXX to update my consumer report and make sure it reflects the same information as XXXX. I paid my debt for less than the full amount and XXXX is reporting the information accurately but the other 2 credit reporting agencies are not. Credit limit {$8700.00}