davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (OH)

they never sent validation letter certified mail, you need tracking numbers i have it plus receipt i can provide upon request. and no personal interviews was done plus they only said verified as accurate and it has been over 30 days and never mark it being disputed when i sent in the request. where i never gave written permission to these accounts and i only have one address that is on my id not ot any other address and no permission giving. i beleive they are not following rules being fair and understanding of the law. it like they skipped a chapter.

all the inquiries are still on there its not factual as they say they never shown my signature in any case remove and also the accounts i provided in docs.

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate 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 consumer 's 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.

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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.

According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.

XXXX  and other keep saying verified and accurate with no changes made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made. Thank you Mr. CFPB for looking into this.

please follow up with this usa cfpb
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

On XX/XX/2002 I received a notification that a collection account had been added to my credit report. The company is Credit Management LP and according to my credit report, the alleged company they are collecting on behalf of is XXXX. The alleged debt amount is {$490.00}. Over the past 12 months, this account has appeared on my credit report under several collection companies, including XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC regarding this matter. Furthermore, as far as this Credit Management LP account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Credit Management LP offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform Credit Management LP that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-12-10
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I purchased gas for my car in the amount of {$67.00} at XXXX XXXX XXXX in XXXX, CA. That charge appeared on our account and is not in dispute. An additional charge of {$320.00} appeared on our account from the same merchant on the same date. I am disputing the {$320.00} charge because I did not make it. 

I contacted the merchant and was told they could not help me and to contact my bank. 
I contacted the credit card company, Chase, and they opened a fraud case. Their conclusion was that it did not qualify as a fraud case. I asked about my options and they advised me to contact their Merchant Dispute department. I did so and they opened a merchant dispute claim. The Merchant Dispute department concluded that it did not qualify as a merchant dispute claim.

For the last 6 months Chase has referred me several times back and forth between the Chase Merchant Dispute department and the Fraud department. Every time each department denied my claim. Most recently I received an update from the Fraud department on XX/XX/2022 again advising me that they were denying my claim. 

At this point I believe I need extra help to get Chase to honor my claim. Can you help me?
Consumer complaint received 2021-06-04
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. (MD)

I have called XXXX XXXX and the 3 Credit Bureaus without any reasonable response. I had asked them to look at the evidence again after verified, but hung up on me. I'm filing a complaint to have the CFPB to ask the 3 credit bureaus and the furnisher to look thru my evidence. The account number is wrong. The late payments are inaccurate. The account has been reaged. Pls see attached.
Consumer complaint received 2021-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

To whom this may concern, My name is XXXX XXXX and on XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. As of yet, it's been nearly 60 days and I still have not received a response. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been nearly 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MI)

PNC would not allow me to initiate an ACH from XXXX to withdraw funds from my personal checking account, and it will not let me use my PNC debit card for that either ... given that I can not make international wire transfers from my personal account online, they are blocking every way I have to transfer money outside the USA.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

Pay Pal allowed a company called XXXX charged me {$89.00} on XX/XX/XXXX. I never authorized this payment. Per Pay Pals policies, processes and procedures I have to contact XXXX and tell them I never authorized this payment. 

Pay Pal subsequently took {$89.00} from a payment that I had received from XXXX XXXX on XX/XX/XXXX. The payment was for {$230.00}. I never authorize Pay Pal to deduct a payment from a payment that I had received.
Consumer complaint received 2021-06-04
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. (VA)

On XX/XX/XXXX I sent them a letter and a report requesting that an account be deleted that was reporting false information. On XX/XX/2020 they sent me a letter requesting information to verify who I was. In return, I sent them my drivers license and social security number with my correct street address on it verify my identity. 

As of today, they have not removed the account or sent me an updated credit report as requested. I have tried several times to call them and cant get through the line because their system want verify my identify. I have tried getting credit monitoring services to help obtain my credit reports but they were unsuccessful and could not retrieve my information due to identify issues as well.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the Account Name : XXXX XXXX  XXXX Account Number XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

THIS COMPLAINANT HAS THE SAME PROBLEM AS HUNDREDS OF OTHERS ON THE XXXX XXXX XXXX WEBSITE. A REVIEW OF HUNDREDS OF XXXX COMPLAINTS REVEALS EQUIFAX FELONIOUSLY FALSIFIES THE ADDRESS OF CONSUMERS WITH SECURITY FREEZES IN ORDER TO FREE EQUIFAX FROM SETTING UP FREE SECURITY FREEZES WHICH COST EQUIFAX A LOT OF MONEY. 
A SECURITY FREEZE FOR AN ADDRESS THAT DOES NOT EXIST IS WORTHLESS. 
STEP2 IS FOR EQUIFAX TO LEAK CONSUMER DATA TO BLACKMAIL CONSUMERS INTO BUYING WORTHLESS EXPENSIVE EQUIFAX CREDIT MONITORING. 

CORRECT MY ADDRESS NOW AND CONFIRM IT IS CORRECT ON PAPER. 
NO TEXT. 

EQUIFAX CONSIDERS THIS WRITER DEAD. THEY SAID THEY CAN NOT FIND ME. 

I WANT SECURITY FREEZE AND I WANT NEW PIN NUMBER NOW AND I WANT IT BY USPS ON PAPER. 

I AM NOT THE SUPER COMPLIANT ROBOT THAT EQUIIFAX, THE TAX CHEAT OF XXXX, WANTS. I DIDNT HIRE EQUIFAX BUT EQUIFAX DOES NOT COMPLY WITH THE LAW. 

EVERY TIME I CORRECT MY ADDRESS FROM INCORRECT XXXX XXXX XXXX TO XXXX XXXX XXXX XXXX FELONIOUS EQUIFAX CHANGES IT BACK. IT IS VINDICTIVE AND DELIBERATE-NOT INCOMPETENT. IT ENABLES EQUIFAX TO EVADE THE LAW.
Consumer complaint received 2022-11-22
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: LEXISNEXIS (PA)

I placed 2 disputed about a bankruptcy that is reporting on my credit. As of today XX/XX/2022 they concluded my investigation. The conclusion came back stating that they verified the bankruptcy illegally through a 3rd party. By law this is not a way to verify and the verification must be through the court directly. They claimed to verify this account through Lexis Nexis. This is illigal considering my lexis nexis account is frozen due to fraud, they 100 % could not a verified with them anyways. This was a flat out lie and they did not investigate this, if they did they would of know per law it must come directly from the courts. I contact the courts myself to see if they inquired and they said they do not respond to any inquiries from the credit bureaus or lexis nexis. There for both are in violation of my rights.
Consumer complaint received 2021-06-04
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. (PA)

I called equifax the whole month of XX/XX/2021 I asked if I could speak with the fraud department I even spoke with Supervisors and managers and no would helped me with the unknown inquiries I was told by different Representatives at XXXX  the unknown inquiries would be removed I had to call back Multiple times for weeks for getting false information about my credit report.
Consumer complaint received 2021-06-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

Equifax providing me with a confirmation number of XXXX and claim they were deleting the inquiries but when I called back the next day to check i was told they were factual records and no investigation was done. To whom it may concern, Im writing this letter to dispute the following accounts : ( Fill in with the accounts you want dispute, be sure to add the account numbers with each account ) This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of 15 U.S.C 1692gMy contact information is as follows : Name : Full Address :
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (TX)

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection company by the name of Bureaus Investment Group.

This Bureaus Investment Group continues to slander my credit by placing collection accounts onto my credit files that they never verified prior to placing these fraudulent, false accounts onto my credit files.

As previously stated, Bureaus Investment Group never verified the collection accounts that they have placed onto my credit files, and they know that what they have done is unlawful.

So now Bureaus Investment Group is resorting to passing off these collection accounts to other collection agencies, such as a XXXX XXXX XXXX XXXX XXXX XXXX, etc. 

Bureaus Investment Group claims to have acquired the accounts from XXXX XXXX, and this Bureaus Investment Group never contacted me to verify the debts. 

Last year when I requested copies of my credit reports from the credit bureaus, this is how I found out about these collection accounts being placed onto my credit files. 

Since last year I have disputed these wrongful collections against XXXX XXXX, and I have also disputed these wrongful collections, against Bureaus Investment Group.

And although Bureaus Investment Group knows that they unlawfully placed these collection accounts onto my credit files, they have refused to remove them.

Between both, Bureaus Investment Group, and XXXX XXXX, they are both listed on my credit files for the same wrongful collection debts, and due to this, my credit files are being slammed twice for these unlawful collections that I did not run up, nor owe. 

Both Bureaus Investment Group, and XXXX XXXX  are intentionally making sure that they maliciously destroy my credit score, and rating. 

They have both, falsified status dates, on the collections that they have placed onto my credit files, such as activity in XXXX, and XXXX. 
They have done this so as to make it seem as though these are present debts that I have acquired, and that I have recently done business with XXXX XXXX, which is a lie. 

I have had nothing to do with XXXX XXXX  going on almost two years. All of the status information that both XXXX XXXX, and Bureaus Investment Group are placing onto my credit files is unlawful, as well as untruthful.

I want all communication from Bureaus Investment Group to go directly to the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.

I want Bureaus Investment Group and its collection cohorts, to Cease and Desist from slandering my credit, as well as harassing me, I want no contact from them.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/19 some person opened a savings and checking account using my name, address and social number. 
On XX/XX/19 I was made aware of the account when I received mail from the bank. 
I saw the TD bank manager and made a police report. 
I was told the bank account would be frozen immediately and I would be advised in 30 days as to what happened. 
I have since seen a second bank manager and there is still not end to this. 
Still today I receive bank statements and notices of activity and charges I am liable for.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (PA)

I started to get behind in my mortgage starting in XXXX due a significant reduction in income. 21st mortgage company. I applied for mortgage help in XXXX but the organization I applied with has been taking their time processing and approving my application. I noticed my mortgage company by phone and email several times and they are aware of the situation. They told me someone from the organization contacted them in XXXX but has heard nothing since. I talked to my financial advisor on XX/XX/2022, they constantly switch financial advisors for your loan. Ive had 3 since I purchased my house. And they dont communicate when they switch. I spoke to my financial advisor and let him know what was going on and that I would my best to send payments as much as possible to get caught up. I do have a mobile and the mortgage is {$630.00} a month and Im behind {$2500.00}. He said that was ok and to keep him updated on my mortgage help application. Today, I get a phone from another person in the mortgage company basically demanding {$2500.00}, which I dont have, or she would be referring my account to their legal department, didnt offer any other ways of help or solutions, asked why we got behind, I told her it was due a significant reduction in income, asked how much my significant others paycheck were every week, I told her, has the nerve to say oh thats still enough, you should be paying. Didnt care about my other bills or anything I had to pay for. Mortgage takes priority she was extremely rude and not understanding or considerate of my circumstances. Ive done everything I can to get help and she expects to send money I dont have.
Consumer complaint received 2022-10-13
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: CITIBANK, N.A. (NJ)

Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. 

With XXXX, Macys, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting 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. (PA)

I have an equifax account, the online access portal is NOT allowing me access -- with my log in details, Ive called the Equifax repeated times attempting to resolve this issue. Earlier today I was promised to receive a email from Tech support to resolve the issue. No call has been received as of XXXX hrs XX/XX/year>.
Consumer complaint received 2022-11-21
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: LEXISNEXIS (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 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. 

Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX