davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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)

I would like to submit a formal complaint for the mishandling of my report that has left me in dire calamity by the credit bureaus after multiple requests to have these accounts removed over the years to no avail. The most recent request was that I be provided with any verification or proof of the original contract for accounts that are negatively impacting my score and have not received anything, yet they have updated the account further impacting my score. This does not make sense when all three reports are filled with inaccuracies if the bureaus are claiming to have completed a thorough investigation as required by law and according to the FCRA, all information must be 100 % accurate or it must be deleted. 

Due to the data breach within the credit bureaus along with misinformation that is listed on these reports such as addresses I have never lived at, wrong social security numbers, wrong phone numbers and wrong names it is my strong belief that my identity has been compromised and that this information must be removed immediately as pursuant to 15 USC 1681c-2 ; 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, no later than 4 business days.

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file.

I hereby seek to exercise my full rights and demand to have the accounts listed below removed entirely from my report promptly. In addition, I am also requesting all late payments be removed from student loan accounts. 

Accounts : IXXXX 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
Consumer complaint received 2022-06-23
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)

Equifax Disputes : XX/XX/2022 Case Number : XXXX Case number created by XXXX and his Supervisor ID XXXX / XXXX Spoke with several managers and supervisors they are still seeing issues on my login and under E-Verify USCIS I'm unable to verify myself online due to Equifax. I already spoke with E-Verify USCIS informed them about it. 

I tried sending several emails and starting from XX/XX/XXXX up to present date but no response.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (IA)

On XX/XX/XXXX, I filled out a dispute with Ally Bank for {$280.00}, since I hadn't spent the money. I submitted proof from the merchant that my account was not responsible for the transactions, but they found against me in the dispute anyway. I asked to see their proof that I was responsible for the spending, since cursory XXXX  has told me that someone pretending to be XXXX and pulling cash out of your account is not an uncommon scam. On XX/XX/XXXX I requested a copy of their " proof '', and still have not received it.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC
Consumer complaint received 2022-07-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (VA)

I was originally in school to get a XXXX XXXX, during that time, my loans were on hold. Then eventually I graduated in XX/XX/XXXX. Soon after Discover student loans contacted me to start payments. I informed them I wasnt making enough money to pay the amount they were requesting. They put me on a lower payment plan, however, I was still unable to make those payments. I started a new job in XX/XX/XXXX which required me to relocate to Virginia. During that time relocating I had to pay all expenses etc. I then received an email Indicating that my loans will be in default. I immediately contacted them and paid {$380.00}. This payment was issued in XXXX. I woke up last week to the news that my loans were charged off. I tried calling them to negotiate or figure out anything I can do. They indicated once a loan is charged off the entire balance is owed. I only make about {$58000.00} a year. With all of my expenses including rent utilities and food I can not afford the amount theyre asking me to pay. I tried everything and there seems to be nothing I can do. I called them again today and was told calling every day will not change the outcome. It will remain the same. I am frustrated, sad, worried, feeling overwhelmed, and feeling like theres no way out even through XXXX. This is one of my last resort As I am not sure what else I can do. Trying to refinance is also impossible because of how they have affected my credit.
Consumer complaint received 2022-06-23
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. (TX)

Equifax report a collections account " XXXX XXXX ''. I have no knowledge of this account. 
I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with ambit energy, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account.
Consumer complaint received 2022-09-19
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. (KY)

Already reported this account information incorrect. The account type is incorrect. 

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

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-19
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request the Credit Reporting Agencies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance  Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$22.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-06-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HOME BANCSHARES, INC. (TX)

XXXX XXXX XXXX  ( Centennial Bank ) stopped external transfers the week before a scheduled transfer and did not cancel my recurring transfer causing my other account at XXXX XXXX  to be debited {$200.00} and never showing up in my happy account nor being credited back to my XXXX account.
Consumer complaint received 2022-06-23
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. (MD)

EQUIFAX AND XXXX HAVE AN ACCOUNT ON MY REPORTS THAT SHOULD HAVE BEEN REMOVED. I AM A VETERAN AND NEED THIS REMOVED. 
XXXX XXXX XXXX
Consumer complaint received 2022-06-23
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)

Equifax continues to report inaccurate information in the comment section under XXXX  XXXX XXXX. THIS ACCOUNT WAS NOT SETTLED FOR LESS THAN THE FULL BALANCE. THIS ACCOUNT IS PAID IN FULL NOT SETTLED. THIS ACCOUNT IS NOW 7 YEARS OLD. SINCE YOU WON'T CORRECT IT, IT NEEDS TO BE DELETED IMMEADIATELY. YOU ARE VIOLATING MY RIGHTS UNDER THE FAIR CREDIT ACT,
Consumer complaint received 2022-09-19
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)

Consumer have disputed inaccurate with EQUIFAX on about 4-5 occasions ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ). EQUIFAX continues to willfully and negligently furnish this inaccurate accounts.
Consumer complaint received 2022-04-24
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. (MD)

Equifax Credit Reporting I have attempted twice to fix credit reporting in regards to a XXXX loan with XXXX. I have two consolidated XXXX loans which remains in good standing and was in forbearance status due to the COVID19 pandemic. Equifax continues to show the account as negative with an open balance of - ( negative ) - {$21000.00}. Equifax is showing the account as an installment with an available balance in a negative balance which directly affects my credit score. Equifax is showing the XXXX loan balance as {$37000.00}. This is incorrect. I have 2 consolidated loans with XXXX listed below : Consolidated Loan {$36000.00} in Forbearance Status from XX/XX/XXXX - XX/XX/XXXX Consolidated Loan {$21.00}, XXXX in Forbearance Status from XX/XX/XXXX - XX/XX/XXXX. My total XXXX  loan repayment is {$57000.00}. Repayment to begin on XX/XX/XXXX with monthly payments of {$290.00}. 
I began making regular payments after the forbearance as of XX/XX/XXXX. I have attempted twice to fix the issue with XXXX and also mailed, faxed, and submitted a dispute via the www.equifax.com website. I have not been able to obtain a resolution to this matter.
Consumer complaint received 2022-09-19
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 2nd 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  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/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 XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MN)

I recently noticed that my XXXX credit score decreased due to outstanding loan balance for a debt owed to XXXX XXXX XXXX in XXXX, TX in the amount of {$550.00}. The incorrect address associated with this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX- which appears to be the address of an apartment owned by XXXX XXXX XXXX XXXX in XXXX, TX. The debt is owned by the debt collection agency Transworld Systems , Inc. THIS DEBT IS NOT MINE. I have never lived in XXXX, TX ( in fact I have never set foot in the state of Texas ). I do not know how my name got associated with this debt or how it got into my credit report.
Consumer complaint received 2022-09-19
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. (IL)

It appears that 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 the 3 credit bureaus 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 remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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 2022-09-19
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-06-23
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-23
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. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts a-re violating my rights. 
- 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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY INSTRUCTIONS.
Consumer complaint received 2022-09-19
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. (MO)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you as well as the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (NJ)

I received a debit card in the mail for a Discover card, based on a newly opened account. I didn't open the account and knew instantly it was fraud. This has happened to me before with other banks. I called their contact number from the website. I spoke to two different people, a credit person and a debit person. I finally managed to get some details. It was opened on XX/XX/22 ( roughly a week ago ). It has no balance and does not appear to have any transaction history. They told me to call their fraud line to close the account and report it as fraudulent. I called their fraud line many times. Their fraud line hung up on me twice. The first time they hung up on me, I waited for 40 minutes. The second time they hung up on me was after 3 hours and 2 minutes! The bank is as bad as the fraudsters. They have made it easier for criminals to rip people off people like me and repeatedly hang up on victims. I had the phone on speaker and the entire family heard them hang up. We were all equally upset, since it was on the entire afternoon. I rearranged my entire schedule just to report the fraud. The account is still opened. The criminal fraud is ongoing. The bank doesn't seem to care and I can't stop it. Discover sucks. They have one of the worst fraud departments in the industry.
Consumer complaint received 2022-09-19
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. (SC)

My name is 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 2022-09-19
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 investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF CHILD XXXX XXXX XXXX XXXX DEPARTMENT OF CHILD XXXX XXXX XXXX XXXX