davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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. (WY)

My identity was stolen in XXXX XXXX XXXX  I discovered the theft in XXXX of XXXX, and I initially believed it was stolen in XX/XX/XXXX. I reported it to my local police. and the FTC and proceeded to work on their " recovery plan. '' I requested my credit reports by email and received two out of three reports, never receiving my EquiFax report. I requested it again and waited. 
Several months later, after the computer repair and program reinstall and reload on our desktop, we discovered the breach had occurred much earlier than believed. It had happened in XXXX the previous year. 
I adjusted my breach and theft date with the police and FTC and requested more credit reports in order to do a more thorough review of the past two to three years. I received my XXXX and the other credit bureau but not EquiFax. 
I tried to access it directly with my account and questions, EquiFax 's automated system refused to let me in. I tried to open a new account, EquiFax 's automated system refused to let me in. I called customer service, they said they could not get around the automated system. I asked for a verification code by mail and was given a response of that the EquiFax system could not complete my request at this time. 
Therefore I can only believe that EquiFax is stonewalling or refusing to provide my credit report due to a specific reason or incompetence on their part. 

I have also solicited the XXXX XXXX XXXX, and the FTC to assist in this endeavor and they have not been successful either. I am now asking you, the CFPB to aid in obtaining this credit report to make sure that I do not have any errors on this report going back prior to their breach in XXXX. 

Thank you
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NV)

I am the merchant, My bank Chase, issued 12 disputes for one of my customers and charged my account {$510.00} total for the 12. Chase gave this amount to XXXX XXXX, the card holders bank..so they say. XXXX XXXX says there is only 6 disputes for a total of {$240.00} they have for this customer and credited the card holder that {$240.00}. There is a difference of {$270.00} missing out of my account and each bank, Chase and XXXX XXXX is saying it is not them and not their problem. In a nut shell, there has been fraud on this dispute by either Chase or XXXX XXXX. 

XXXX XXXX claim # XXXX
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, 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 my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me. 2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 30 days late. Subsequent to XXXX, no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-01-12
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)

On XXXX XXXX, XXXX I checked my credit reports on all 3 credit bureau websites. I noticed that XXXX and Equifax both had a random debt collection on my report. Below are the details of that debt : [ Collection Agency - XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX, ( XXXX ) XXXX Original Creditor Name - XXXX XXXX XXXX XXXXXXXX I I Date Assigned - XX/XX/XXXX Amount Owed- XXXX  Status Date - XX/XX/XXXX Status - UNPAID Balance Date - XX/XX/XXXX Account Designator Code XXXX XXXX  Account Number - # # # # # # # # # # # XXXX Creditor Classification - RENTAL_OR_LEASING Date of First Delinquency - XX/XX/XXXX ] I have NEVER been contacted by the listed debt collection agency for this debt and it is impossible this debt is even mine. Based on the information above, the debt appears to be for a rental unit in PA some time in XXXX. I have been living and working full time in CA since XXXX. I have owned 2 properties here since XXXX. I have no reason to go rent another random apartment in PA in XXXX. 

XXXX removed this collection from my report after I disputed it with them, however Equifax, for reasons as mysterious as the origins of the Universe, claimed that they have verified this debt with the collector and it is in fact mine ( but did not provide me any proof or reasoning for this decision ). They gave several options going forward : 1. I could contact the debt collector myself -- I find this unsatisfactory as I do not know them, I do not want to know them, I do not know why they filed this collection on my credit report and I do not want them to be able to harass me in any way.

2. I could add a statement to my credit report -- based on what I have read, no creditor will even pay attention to this, so what's the point.

3. I can send them additional documentation -- they did not mention what type of documentation, so I'm not really sure what they want here. I can substantiate my residency in CA with property tax statements, tax returns, etc, but I don't think that will stop them from claiming I could ALSO have rented an apartment in PA, you know, just for funsies. I think they should be sending ME documentation on why they think I was renting in PA. If they did somehow verify this, then I need a copy of these documents so that I can go file an identity theft report with my local police station! 
4. Write a complaint to the CFPB -- so here I am. Honestly, I don't really know if anything will happen with this, but at least I got to rant about how ridiculous this situation is.
Consumer complaint received 2023-01-10
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)

this complaint is on XXXX Experian and XXXX in regards to reporting inaccurate information AFTER they have Verified as Accurate account XXXX XXXX XXXX. 

XXXX results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because XXXX hasnt provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX. 

Experian results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates. 
I got a new report XX/XX/XXXX and these are differences. 
-Activity in the XXXX XXXX on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting. 
A payment history ( XXXX never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX. 

I got a new report from XXXX on XX/XX/XXXX and the following errors show- this account is CLOSED. 
- Date of 1st deliqneucny XX/XX/XXXX causing the 7 year reporting time to be set to XX/XX/XXXX. 
- a existing payment history with XXXX XXXX XXXX closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist. 

I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continue to verify information with the consumer reporting agencies. I have already filed a complaint on XXXX XXXX XXXX and awaiting for correspondence. XXXX XXXX XXXX is fully aware of the information being reported because I sent them notice of the errors and the fact that they are reporting a account and have not provided validation, there collection activities is FRAUD. I sent this letter on XX/XX/XXXX tracking number XXXX at there disputing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX and XXXX has recieved my letter on XX/XX/XXXX.
Consumer complaint received 2023-01-11
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. (TX)

Attention Consumer Dispute Department : 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, defamed my character and caused me great 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, For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For all other accounts : 12 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (MN)

Customer came into XXXX XXXX XXXX XXXX XXXX XXXX XXXX for guidance on the accounts showing on his credit report. XXXX XXXX XXXX XXXX XXXX has a F rating and is not accredited. On XXXX page now states they are XXXX XXXX Bank, which recently changed its name to XXXX XXXX Bank, XXXX, partners with Self Financial assistance being offered to bring you the Self XXXX XXXX XXXX and certain XXXX XXXX XXXX. XXXX XXXX, XXXX ( CD account summary as of XX/XX/XXXX copied from last statement from XXXX account # XXXX Maturity date XX/XX/XXXX CD balance {$520.00} CD interest XXXX XXXX XXXX Questions? Comments? You can email us at XXXX or call us at ( XXXX ) XXXX. Customer has not seen any improvement in his credit score 3. SELFXXXX 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 MON SECURED LOAN FIXED RATE The above information is how it shows on the credit report that I pulled on XX/XX/XXXX through XXXX Instant Merge Soft Touch Report. Since then, the client has closed the account. However, he has been counseling with us, to pursue homeownership. The damage from this account can stop the client from pursuing mortgage options.
Consumer complaint received 2023-01-11
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. (TX)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have XXXX days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2023-01-11
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)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have XXXX  days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

I sent a full amount of {$620.00} in the mail to Santander and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against Santander consumer. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am XXXX  and XXXX  of their poor customer service and I am now pursuing legal action against Santander for financial harassment and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (GA)

I loaded money on a XXXX  gift card to purchase my kids XXXX XXXX before I could use the card someone has already made purchases at XXXX so I contacted XXXX to have to purchase stop and the money returned I contacted vanilla gift to let them know I stopped the transaction to check on my refund they said that I couldn't do that I needed to fill out a form so they can investigate which I didn't understand why since XXXX had stop the transaction. It has been since XX/XX/XXXX and I still haven't received my money back.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I applied on XXXX  for a credit card that says it will not affect your credit and only do a soft pull not a hard inquiry. The card lives in your wallet however its issued XXXX XXXX XXXX 

In the agreement it says you have to accept the card before they do a hard inquiry. I never accepted or was offered the oopourtunity to accept by email, phone, or any kind of XXXX XXXX XXXX told me they agreed and on XX/XX/2023 today theory would tell the credit bureaus thatbIn did not accept the card there for they cancelled the card and agreed. 2 days ago I received an email from XXXX XXXX saying after they didc their research just the applying counted as accepting the card. Please visit the apple site or I can send pictures with both the statement about no affect to my credit score and that I had to accept the card before they would do a hard inquiry which they didn't. I DID NOT ACCEPT ANYTHING
Consumer complaint received 2020-05-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.