davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX $ Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2019 my bank account was hacked Causing a payment to be sent back to XXXX XXXX XXXX XXXX. It was my only late pay with them ever in XXXX. And I paid it the day they called and told me what happened they agreed to update my credit to paid as agreed and never did
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (VA)

I had student loans with XXXX. The TOTAL payment for the loans under my income based repayment plan were {$220.00}. Nelnet took over the loan in XX/XX/XXXX. They now claim I owe them {$270.00} each month. I did not re-apply for the IBR program and am not due to do so until XX/XX/XXXX. How can they just change my payment amount? Additionally, I have placed several phone calls to them where I have gotten various answers to my questions. At one point the customer service rep said that they did not increase my payment amount and that they couldn't. She told me to continue to pay what I was paying to XXXX. I have since recieved a letter from them. THey removed my 2.5 % interest rate reduction for a late payment. WHAT late payment? I've paid EVERY payment on time. When I attempted to resolve this issue they said that they would not return my interest rate reduction, despite increasing my payment amount and despite every payment being made ON TIME, month. I have spent over an hour on the phone with them over the past several months. I was given false information, which I relied upon to my detriment, then they refused to rectify the problem.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I XXXX XXXX THE ORIGINAL CREDITOR NATURAL CONSUMER, FCRA RIGHTS HAVE BEEN VIOLATED BY XXXX XXXX AND EQUIFAX. THEY ARE REPORTING A FRADULENT ACCOUNT BY ( ONLINE INFORMATION SERVICES ) ON MY CREDIT REPORT. 15 USC 1681B STATES THAT THE CREDIT BUREAUS NEEDS MY CONSENT TO REPORT ANYTHING ON MY CREDIT REPORT. I XXXX XXXX NEVER GAVE THEM ANY CONSENT TO REPORT THIS FRADULENT ACCOUNT ON MY CREDIT FILE, I NEVER HAD ANY DEALINGS OR BUSINESS WITH THIS DEBT COLLECTOR. THIS INFORMATION IS FALSE MISLEADING UNFAIR PRACTICES.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (NJ)

I, XXXX XXXX, would like to submit a complaint against Educational Credit Management Corporation and XXXX XXXX for taking collection activity on me for time-barred student loans they are not permitted by law to collect on. These entities also blocked Title IV Federal Student Aid benefits I was entitled to for semester Fall XX/XX/2018. They lied on the amount, character and legal status of the loan to facilitate a loan rehabilitation agreement in which they collected monies from me. I submitted timely objections per the loan rehabilitation agreement citing all the reasons I made in this complaint and they have gone unanswered. They sent me a letter stating that they was going to wait for the submission of documents for me in regards to a loan discharge due to a XXXX after they told me on the phone that they wasn't going to process it. I understand that CFPB is empowered by law to enforce the Fair Debt Collection Practice Act and subsequent state law.
Consumer complaint received 2022-09-19
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: CREDIT ACCEPTANCE CORPORATION (MI)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (RI)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2018-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc. (MD)

I recently rolled over a federal student loan from XXXX XXXX to XXXX XXXX. SoFi overpaid that loan by more than {$800.00}. XXXX claims they issued a refund of the overpayment to SoFi in XX/XX/XXXX. Despite requests, SoFi has not posted that money to my account.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Independence Capital Recovery, LLC (AL)

I requested a letter, which the collector refused to do. I reluctantly agree to correspond via email. I also asked that they not call me due to severe anxiety at which point he mocked me. Then did not send the email when he said he would. I had to leave a voicemail for the collector to remind him to send it on Friday XX/XX/22. 
I received a call from the collector on XX/XX/22, After I requested to not be contacted by phone. The collector tried to say I called him which was not the case and I have proof otherwise. The collector then tried to pressure me into scheduling a payment at which point I told him I wasnt comfortable doing. I told him that I asked him not to call back to reach me via email as we agreed. He said he would just continue to call if I did not schedule the payment today.
Consumer complaint received 2022-08-13
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)

Have violated my rights. 
15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to him of information reported about him to third parties violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy when preparing a consumer report ( 15 U.S.C. Sec. 1681e ( b ) ) and by failing to conduct a reasonable reinvestigation of my dispute ( 15 U.S.C. Sec. 1681i ( a ) ). 

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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer
Consumer complaint received 2021-04-05
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. (NY)

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts and inquiries listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account # : XXXX XXXX XXXX account # : XXXX XXXX. XXXX account # : XXXX XXXX. XXXX XXXXXXXX XXXX- account # : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX-account # XXXX XXXX. XXXX XXXX XXXX- account # : XXXX
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit.

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a  letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : XXXX XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2018-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (AR)

I was on XXXX XXXX in the XXXX XXXX at the time I incurred the debt, by being taken to the emergency room. This was XX/XX/2012. My XXXX should have covered it. Nonetheless I did pay the {$480.00} some years later to XXXX XXXX XXXX XXXX The amount incurred or being attempted to collect is {$480.00}.
Consumer complaint received 2022-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (OR)

I was monitoring my credit report the past week when a collection report showed up on my credit report of an unknown company I've never heard of, to look into that I reached out to the credit companies to find out it was a utility company based in Texas called XXXX. They tried to collect a bill by my name on their account which I believe my identity is stolen because I live in Oregon and have never live in the state of Texas and do not know anyone living in that state. Therefore my credit is currently damaged by this collection. I've reached out to XXXX and a customer service has insist I file a police report and also report on XXXX which I am doing now.
Consumer complaint received 2021-08-12
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. XXXX is the inquiry that is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry : XX/XX/2021 XXXX
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (GA)

XXXX with Carvana LLCXXXX Was told by Carvana Rep I must file paperwork for a refund of sales tax collected with my local tag office. I went to the Tag office and was told the refund must be processed by the dealership i'm 100 % permanent & totally XXXX veteran. Per GA state law I am entitled to sales tax refund on 1 vehicle that has the XXXX veteran tag. 
Carvana now says it is too late for them to process the refund and my local tag office says CARVANA must submit the request for the refund.

Carvana should correct their mistake/bad instructions and request my sales take payment of approximately {$3700.00} be refunded the XXXX XXXX GA XXXX XXXX XXXX XXXX Ad Valorem Tax on Vehicles XXXX XXXX XXXX This exemption applies to either the annual property tax or the title tax, whichever is applicable. 

This exemption is for veterans who are verified by VA to be 100 percent totally and permanently service-connected XXXX and veterans rated unemployable who are receiving or who are entitled to receive statutory awards from VA for : ( 1 ) loss or permanent loss of use of one or both feet ; ( 2 ) loss or permanent loss of use of one or both hands ; ( 3 ) loss of sight in one or both eyes; or ( 4 ) permanent impairment of vision of both eyes to a prescribed degree.

The exemption is granted on ONLY one vehicle the veteran owns and upon which the free XXXX Veteran ( DV ) license plate is attached. Veterans who qualify for the XXXX XXXX or XXXX XXXX XXXX specialty license plates are also exempt.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I scheduled an auto pay with my mortgage servicer back on XX/XX/2021, and since then the payment was automatically withdrawn from my account. Without receiving any notice from the servicer, the company submits a 30 day late payment for my XXXX statement period. When I contacted the servicer, they admitted that it was a mistake and asked me to dispute with credit bureaus. After submitting the relevant information to the credit bureaus, they refused to remove the late payment with out providing any proof that I was late.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-30
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. (MA)

The victim discovered on XX/XX/XXXX on her XXXX credit report a fraudulent XXXX  XXXX XXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Store credit 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 (TX)

I called Old Navy Navyist Rewards phone, requesting an update on the fraud charges and an email I had received back on XX/XX/XXXX stating I requested an email changed. I never requested an email change when I called on XX/XX/XXXX. I was informed that the email address was changed by removing one number from my actual email address and they are now investigating who changed it. I also request to get an update up my current fraud charges that XXXX disputes on XX/XX/XXXX. I was informed that the {$380.00} ( and some change ) had not posted under transactions as of yet and that is why they havent completed the investigation. Its been two months since the charge was made on my card. Then I was informed that the {$190.00}, which I was told to dispute as well as I did not make the charge, never was authorized, so no need to work that fraud dispute. I also asked XXXX from Barclays XXXX XXXX XXXX as to when that will be corrected as they are still charging me late fees and calling to collect a payment. I informed her that if they sent the item to collections as someone previously informed by or report it on my credit as delinquent then it will effect my credit score. XXXX proceeded to inform me not worry as my credit score will go back to what it needs to be once they give my account the credit back. That means in the meantime they can mess with my credit score and think that a delinquent record wont stick for some time?
Consumer complaint received 2018-10-11
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: EQUIFAX, INC. (CA)

Equifax intentionally creates false issues with their online system to evade providing free annual reports as required by law. This is done to manipulate online traffic flows into purchasing a monthly plan for {$19.00}. Their homepage is a landing page to offer these overpriced services. They stuff the link to request your free credit report in barely readable 8pt font in the footer, hoping to exhaust visitors into enrolling in their plan instead. 

Once you actually find the link and proceed with requesting your free report you jump though hoops only to discover that they are " UNABLE TO PROVIDE IT ONLINE '' and that you are required to send them your social security card and various information in the mail to obtain it. Attached is evidence of this. 

Furthermore, I have been attempting to dispute a fraudulent collection on my report and Equifax 's system is unable to handle it online, again. They then direct me to a manual link to reenter my information and then request the Account / Case Number for the dispute which can only be obtained from the credit report that you can not access. They identify consumers attempting to fix their credit via AI and then they segment them into having these issues that exhaust them into a purchase. I bet their conversion rates are quite good. 

Do you see what is happening here? They are attempting to force consumers to purchase their monthly program in order to dispute inaccuracies. 

I feel that a class action lawsuit may be necessary for Equifax 's manipulative and unethical business practices. Because of my industry knowledge, I can easily see the unethical marketing patterns that are being used to take advantage of consumers.
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

The reported JPM Chase accounts on my credit reports are a duplicate of another account shown on my reports for another company, XXXX XXXX. Reporting an account or accounts denotes collection efforts. JPM Chase has asked me to even call their Recovery Group. As the purported original creditor who has sold a charge-off or collection account to another lender or agency, JPM Chase technically does not have the right or vested interest to continue to report the negative accounts to the credit bureaus. Both companies are trying to collect from me, and it isn't right.
Consumer complaint received 2018-10-11
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. (MI)

XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.