davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Urgent Demand for immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have Never missed a payment on the following account : XXXX XXXX XXXXXXXX. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED TO provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these late payments be corrected to reflect their accurate and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 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 CARD PLEASE REMOVE THE INMEDIATY THIS HARD INQUIRIES
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts or collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (TX)

I was shocked to discover that my credit report has been misused, with applications made in my name and companies accessing my credit report without my consent or authorization. I dont recognize these fraudulent inquiries, nor did I apply for or consent to them. I am in disbelief and deeply disturbed that my rights as a consumer have been violated in this wayit is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following entries are fraudulent and must be expunged from my credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe.
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (VA)

I am filing a complaint against Equifax for failing to respond to my recent dispute. I submitted a dispute by mail to address inaccuracies on my credit report, including all necessary documentation to verify my identity. However, I have not received a response from Equifax within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA ( 15 U.S.C. 1681i ), Equifax is obligated to investigate and respond to disputes within XXXX  days. This lack of response is a violation of my rights and has prolonged the negative impact of inaccuracies on my credit report. 

I respectfully request the CFPBs assistance in ensuring Equifax compliance with FCRA regulations and a prompt resolution of my dispute.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

My mortgage has been transferred to LoanCare LLC from XXXX after XXXX filed bankruptcy, effective XX/XX/XXXX. I can't access my mortgage on LoanCare LLC website, despite being told it would be available on XX/XX/XXXX. My school taxes haven't been paid, I can't see what my escrow account is and whether any payments have been made. I've been trying to call LoanCare LLC for several days, each day spending more than 1 hour on hold before I had to hang up. I haven't paid my XXXX mortgage because I don't know where to pay or have any account number. I have no assurance that this will not effect my credit score. It is unacceptable that there is no way to get in touch with a mortgage servicer!!
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (OR)

This is my SECOND Complaint regarding the same issue with my Discover Card Bank Transfer/CFPB Complaint Case Number : XXXX ; based upon my complete dissatisfaction with the letter I received from XXXX XXXX, Executive Office of Customer Advocacy at Discover ; as well as with the paltry {$50.00} Monetary Relief Amount.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I opened an account online as part of a new account bonus offer that included a checking and savings offer. I opted for the checking only and the savings was also. I was supposed to get {$300.00} for opening a checking account and having direct deposit of {$250.00} or more in 2 consecutive months. I satisfied those qualifications and I called to check the status of the bonus and was told that there wasn't one and I needed to bring in the coupon to the branch. Since none of the disclosures were provided to me in any other method than on the screen online, they don't keep them online along with other account documentation, I had no way of finding the information regarding the 3 month old coupon. I was told by customers service to find any coupon, bring it to the branch and maybe they might be able to help if they are willing make an exception. Exception for what? Their systems not honoring a promise? More work on my end needs to be done because of a bait switch scenario it seems.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

- I closed my SYNC Bank Amazon Prime Store Card account after the final payment making it {$0.00} outstanding- on XX/XX/2019. 

- Despite closure SYNC BANK is continuously reporting wrong credit info to both XXXX and XXXX- decreasing my credit history. 

- As of today XX/XX/XXXX, Sync Bank they have last reported {$2900.00} outstanding on XX/XX/2019 and has reported {$3200.00} outstanding as of XX/XX/2019. Evidence is attached with this complaint in form of jpegs. 

- Due to this my reported utilized credit has gone to 99 % on XXXX and 91 % on XXXX. Evidence is attached with this complaint in form of jpegs. 

-It is noteworthy that I have made 100 % payments on time on all my cards let alone Amazon Prime Store Card . 

- My Amazon Prime Store Card was formally closed on the actual date of XX/XX/2019. Evidence is attached with this complaint in form of jpegs. 

- After I disputed this info with XXXX XXXX it was rejected by Sync Bank as invalid or inaccurate. And that they can not further process this request anymore. Evidence is attached with this complaint in form of jpegs.
Consumer complaint received 2019-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waterfall Revenue Group (NJ)

Someone used my name to XXXX  out a person I wasnt aware of it and Ive been paying on this debt to get it off my report because of failed disputes Ive also sent a letter for the collector A-1 collections to prove that the debt is mine but Ive yet to get a response I will no longer pay this debt because its not fair that I have to pay for something that was put on my credit due to identity theft and as I pay off the debt the company increases the amount each month
Consumer complaint received 2024-10-28
Product: Credit reporting 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. (FL)

Equifax is refusing to remove fraudulent inquiries from my personal consumer report. Despite submitting all necessary documents, they have claimed multiple times that the documents were illegible, which is not true. On XX/XX/year>, I received a letter from Equifax stating the documents were illegible, but in the same letter, they mentioned that they had forwarded these same documents to the creditors. This inconsistency suggests that they are mishandling my case, as they are claiming the documents are illegible while also processing them. I have followed all proper procedures, including submitting a police report for identity theft, yet Equifax continues to fail in removing the fraudulent inquiries. This has caused unnecessary delays and distress, and they are not following the requirements under the Fair Credit Reporting Act ( FCRA ) to address these issues in a timely manner. 

I have filed a police report against Equifax and submitted it to the courts for a civil suit. This is in response to their ongoing failure to remove fraudulent inquiries from my consumer report and their mishandling of the documents I submitted. I expect immediate action to resolve these issues and prevent further legal escalation.
Consumer complaint received 2019-12-04
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: Recovery One, LLC (GA)

I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX   without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a XXXX  car XXXX  in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted.
Consumer complaint received 2019-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I have sold a plasma cutting welding machine on XXXX. The transaction payment did not show up in my Paypal account. After spending a lengthy amount of time on the phone with the Paypal representative, they were able to show the money posted to my PayPal account although it was/is held by Paypal. Paypal would not even release the shipping portion of the funds to ship the item. I had to use personal funds to ship the item. The representative informed me that the funds would be released to me once the item was received by the purchaser. The item has been shipped as described to the delivery address provided by the purchaser and satisfactorily delivered. 

In the interim the PayPal automated system asked for a copy of my driver 's license, shipping documents and original purchase receipts which I have provided. Upon logging onto my account today I have discovered that PayPal has my account locked stating that " You can't use PayPal Anymore '' and that any money in my balance will be held for 180 days. I called again and waited for a pay-pal representative ( XXXX, employee number XXXX ) who informed my that PayPal could not provide me with information as to the account closure would not provide me with any phone number or email of any responsible party who could. I was informed that my only recourse is to submit a written request to their corporate office via post to XXXX XXXX, CA XXXX. 

XXXX has since charged me for XXXX dollars ( 10 % of the {$4000.00} sale item ), PayPal has charged me for their fees and I have had to pay shipping since paypal is also holding the paid shipping charges. 

I understand the need for a new PayPal account user to wait for the item to be delivered in order to receive their money since a new account needs to be substantiated to help circumvent fraud. However, my account has been in good standing for over 15 years. The fact that Pay-Pal is withholding my money, refuses to give reasonable avenues to rectify the situation all while making interest on the float for countless transactions is criminal. These are racketeering practices by definition. PayPal needs to be held to Security and Exchange commission standards and provide adequate customer support if they are to be engaged in their business. Furthermore PayPal 's affiliates ( XXXX  ) should not be able to withdraw sale item funds from a seller 's personal account until payment for the item has been justly placed in the seller 's account. 

I look forward to your help in handling this matter but more importantly resolving the larger issue at hand and protecting innocent consumers from Pay Pals unjust actions.
Consumer complaint received 2019-12-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CASHCALL, INC. (CA)

CASHCALL LOAN ACCT NO XXXX IS WRONGFULLY APPEARING ON MY XXXX  CREDIT REPORT.DISPLAYING AN ACCOUNT IS CONSTRUED BY THE FAIR CREDIT REPORTING ACT AS " ATTEMPTING TO COLLECT A DEBT ''. 
THE DEBT IS UNENFORCEABLE AND VIOLATES THE BUSINESS AND PROFESSIONS CODE ACCORDING TO THE SUPREME COURT OF CALIFORNIA. 
A PERMANENT INJUNCTION WAS VIOLATED IN MY SPECIFIC CASE AS CASHCALL DESCRIBED THEIR WELCOME CALL PROCEDURE THAT THEY SAY TOOK PLACE ONE MONTH AFTER LOAN ORIGINATION IN THEIR CFPB RESPONSE.THE PERMANENT INJUNCTION CALLS FOR THE ELEMENTS OF THE WELCOME CALL TO OCCUR WITHIN 72 HOURS OF LOAN FUNDING.

I AM NO LONGER RESPONSIBLE FOR THIS LOAN AS A MATTER OF LAW.
Consumer complaint received 2020-01-22
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THIS ACCOUNT IS FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (CT)

Loancare is reporting multiple inaccurate payments on my closed mortgage account. which is paid in full and closed. Loancare continues to report multiple late payments on my account after I disputed the late payments on my closed mortgage account. I asked them to provide me with written proof bearing my signature showing that I had some contractual obligation to pay them as well as any supporting documents which would validate why they were reporting such slanderous remarks on my credit profile which is affecting my score and my ability to better my life. They instead send me an XXXX spreadsheet with my alleged payment history that wasn't even billing statements with their letter heads. The Item looked very suspicious and as if it were made up to validate my payment history with the company. The company has not responded to my second or third request to validate payments or remove them and they have also violated the fair credit reporting act by not marking the account disputed with all the credit bureaus that they are reporting these inaccurate payments with.
Consumer complaint received 2019-11-13
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: Experian Information Solutions Inc. (CA)

Experian is reporting incorrectly lates in XXXX and XXXX on the XXXX XXXX XXXX, XXXX partial account number ****XXXX. (  Please see page attached from my credit report. ) I applied for and was approved for a loan modification on XX/XX/XXXX. Please see loan modification documents from XXXX XXXX   attached. The lates that are reporting are after the loan modification was approved and therefore these lates are reporting in error. In addition, this debt was discharged through a Bankruptcy. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2019-05-31
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. (TX)

Experian refusal to properly investigate the below accounts I have no knowledge or records of the listed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please advise me as to the name ( s ) and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. 

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies in violation of HIPAA laws.
Consumer complaint received 2019-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to Trans Union, XXXX and XXXX a number of times since XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.