davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I had my id and ss stolen and i called the police first then i called the credit company 's Equifax XXXX and XXXX i been working with the cops giving them all the in formation and names and numbers of who could of done it and i too have been trying to find out. i called all the credit company 's asked that they remove the information that is not mine from my report they stated that they are going to do an investigation witch makes me feel better the more help the better well XXXX said that after they investigated it came back verify.. i though this was good news they found who did it since they specifically said to me that they were going to investigate but they refuse to give me copy 's or any information so i can give it to the police I don't understand!! they said they verify but they wont take nothing of my credit report or police the information for the police i called Equifax they keep leaving me on hold for ever and never come back on the line and XXXX just hangs up on my face every single time but at least they say let me transfer you before they hang up i have gave them the police report the affidavit and the FTC report and they refuse to remove any thing from my credit or they refuse to give me a copy other investigation that they did were they verified not to or the police... please help
Consumer complaint received 2022-08-01
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: GLA Collection Company, Inc. (KY)

According to 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and GLA COLLECTIONS has furnished incorrect information to the consumer reporting agencies. Under U.S. Code 1692g Validation of debt. The listed said names have failed in providing proof that I the consumer have a contract with them and that I owe any amount. I have sent a letter of validation, letter of cease and desist and now my affidavit of fact stating that by law they are violating my rights as a consumer and are breaking multiple laws by so and I have demand that said names listed to cease and desist immediately multiple times. The Listed said names have only provided printed billing statements or records that will not verify or validate a debt according to Federal ruling. See XXXX XXXX XXXX, XXXX XXXX XXXX Federal Rules of Evidence [ " FRE '' ] Rule 602. I've ask that they send purchase agreement, affidavit of purchase, There license number to do business in the state of Kentucky, registered agent of service and any signed signatures that I have an agreement with said names listed.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I have submitted request after request for my credit report inaccuracies to be removed almost a half dozen of times. The response that is being received is either not making sense or requesting verification on my credit profile in which this has already been included with the disputes. I tried to called XXXX and kept getting an automated recording after entering my social security number, their company was the first to respond on my disputes not correcting anything requested and then put a credit fraud alert on my account blocking credit applications from being processed when the fraud complaint was on the credit bureaus for reporting inaccurate information that has been asked to be removed. XXXX request you to upload a black and white copy of your drivers license and the Fraud Alert Form to be in black and white, but they issue the application in color. XXXX XXXX is continuing to kill trees sending the same letter requesting me to verify an account that " they say '' can be set up online. 

All of my rights has been violated under the follow 15 U.S.C 1681 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my permission. 

I could go on and on, however we all know the laws regarding consumer fair credit, but yet and still there seems to be nothing done regarding all of these inaccuracies that are being reported regarding these issues from consumers.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (MI)

I received an sms for a debt from " CBE Group '' # XXXX. I proceeded to call them and got through to a representative. Its from an XXXX collections account from XXXX  according to the rep and there is approximately {$45.00} dollars due, not worth our times so i negotiated and we made it to {$20.00} the price he offered and we both agreed on, I provided my credit card and address to pay it off on the same call, and the agent even repeated and confirmed the info, just as he is going to submit, he says " it looks like the lowest amount we can go is now {$25.00}... I told him that's ridiculous and an unacceptable tactic, its not for the {$5.00}, but for the deceptive and in clear violation practice. He then said since I wont accept the {$25.00} the well record it on their end as well as XXXX... This is clearly violating several FTC guidelines ; Public Law 111-203, title X, 124 Stat. 2092 ( 804, 805, 808, 809 ). All this after i provided them my updated address/ my contact info and my credit card information! I want this resolved by them and absolved or going after the full penalty+ suing.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right 15 u.s.c 1681 section 604 a States I have the right to privacy 15 u.s.c. also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I sent a letter on XX/XX/XXXX to remove fraudulent account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

CITI XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I disputed with Experian on XX/XX/XXXX for inaccuracy on the acct # XXXX XXXX XXXX .This is a factual dispute. I have attached Experian generated results report. XXXX Experian has failed again to do their duty to report accurate information. They are consistently reporting inaccurate information on my credit report that violations my consumer rights as per FCRA. 

Report XXXX XXXX Date Generated XX/XX/XXXX ( attached is exhibit A ) This account is closed and paid in full never late. Experian is reporting XXXX. 
Inaccurate history being reported by Experian. How can this account be open being XXXX days late or past due? But XX/XX/XXXX its no longer late???? 
-No payment amount listed. ( violation ) -No status update for XX/XX/XXXX. When i clearly disputed this account. Experian has not updated this since XX/XX/XXXX. ( violation ) -Incomplete payment history Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 
XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 
The results of there improper investigation continues to report this unverified information. 


Delete this account for all the discrepancies listed on my credit profile.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

For recording keeping, this is my 10th letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my credit score My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below. 

XXXX Account number : XXXX The high balance is different across the 3 credit bureaus. Transunion high balance states {$4900.00}. XXXX and XXXX states {$0.00} high balance. 

XXXX Account number : XXXX The date last active is different across the 3 credit bureaus. Transunion date last active states XX/XX/XXXX. XXXX and XXXX date last active states XXXX 

XXXX XXXX Account number : XXXX The date last active is different across the 3 credit bureaus. Transunion date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. 

XXXX XXXX Account number : XXXX The high balance is different across the 3 credit bureaus. Transunion high balance states {$850.00}. XXXX and XXXX states {$0.00} high balance. 

XXXX XXXX Account number : XXXX The high balance is different across the 3 credit bureaus. XXXX  high balance state {$0.00}. XXXX high balance states {$0.00}. Transunion high balance states {$1000.00}.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TransUnion is reporting a different date of last activity from the other bureaus. They are reporting the date as XX/XX/XXXX while XXXX reports it as XX/XX/XXXX and XXXX reports that the date is XX/XX/XXXX. This is a clear FCRA violation. 

Also, TransUnion failed to validate this account as the last reported date is listed as XX/XX/XXXX.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-05-11
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete this account : XXXX XXXX  XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-08-30
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. (WV)

I am XXXX XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across XXXX, Experian, and XXXX.
Consumer complaint received 2022-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc. (LA)

I Received a check in the mail That was addressed to not even my real name I contacted the company and went in because they offered me a certain amount of money at the time I was XXXX  being forced to give up the baby fir adoption because of financial stress with my fiance sentenced to prison was being evicted and had XXXX  and the post office losing 12 packages of mine at once costing me my savings my XXXX account which was my onluly income source and i hsvent gotten XXXX back from usps over that and was the only reason i took the loan then to not e en recieve the entire loan. When i noticed the paperwork and the insurance policies i contacted tower immediately where i had to go sign papers that were to opt me out of these iklegal practices and i would recie e my money back. Nay nay i havent recieved a XXXX back and they want me to pay back what .the amou t they stole from me to buy these bogus unwanted unwarranted policies wouldve canceled out the amount i did recieve. when I went in there and they asked me some questions basic questions and then when it was time to sign the woman told me that it was just a reiteration of everything that she had just went over because I told them that I could not read and needed her to explain everything to me and come to find out they took half the money and bought bogus insurance policies for life Auto and collateral that had nothing to do with the loan I have never received a loan in my life I did not ask for this loan I did not apply for it nothing my credit was great before this the fact is they are practicing predatory behavior and phishing and picking two scams they've been brought to court over. They had not refunded me any of the money that was put towards these policies. I dont feel I should have to pay monies back on a loan that I did not receive nevermind their illegal practices including harassment showing up at my residence calling me and my family non stop when I've already contacted the company to express my concerns and was met by attitude profanity and unprofessional behavior like being hung up on. I don't have any money my bank account was closed because of this situation and identity theft as well as excess overdraft fees from my bank im dealing with. I filed for XXXX  and have no income im sorry
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I paid off my lease with XXXX, and the mileage fees on time. I made my last payment on XX/XX/XXXX. However I was reported late for XXXX erroneously on Experian only. XXXX and XXXX were reported properly. I have contacted XXXX since XX/XX/XXXX over a dozen times concerning correcting their error. I have disputed the error with Experian, and have asked XXXX for my payment history and for account statements proving I was never late, but they refuse to cooperate. They are a corrupt financial organization. They sent me a document dated XX/XX/XXXX that the account was paid in full. This is proof that XXXX wasn't late. I have been denied credit as I sought a place for myself and my XXXX XXXX XXXX to live, and my fico score dropped XXXX points. I can't get a mortgage as I was verbally denied after my credit was examined. My online portal which allows consumers to obtain their loan documents is blocked because I mentioned an Attorney. There have been many complaints against XXXX which was verified by a law firm in Michigan where XXXX operates from/
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (GA)

On XX/XX/XXXX, Discover Bank sent an email " Dear XXXX, We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. 

Here 's what you need to do : Call us at XXXX ( TDD XXXX ) to discuss your account. 
Make other arrangements for any pending transactions as they likely will be impacted while your account remains frozen. 
If you were enrolled in XXXX XXXX or XXXX XXXX to XXXX you may need to reenroll once the freeze is removed from your account. Please log into your account to confirm your settings once your account is no longer frozen. 

For information on fraud prevention and what we do to keep your account safe, visit our XXXX XXXX. 

Sincerely, Discover Bank Customer Service I have contacted the bank for information about " unusual activity ''. The Bank Agent verified the transaction but told me that The Bank decided to close my account for business reasons. On that information, i requested to send me my money back. 
They frozen my account and hold my money XXXX. This unilateral action caused huge financial damage to me and my family. 
On XX/XX/XXXX, I received a confimation email from Discover Bank confirmation about transfer from checking to Savings while account was unilateral closed. When i called about the transfer, They quickly suspend the transfer.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (GA)

This company is operating fraud they violated almost 10 federal laws u open a account in my name and got money off me were the title wheres my money this is breach in contract and u force ppl to pay only cash for the bill which is illegal
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.