davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you 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 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CA)

My credit karma money spend account received XXXX tax refund on XX/XX/2023 from the IRS .I had a negative balance before and received emails telling me to add money to reactivate my because it was on hold due to being negative. it's been well over week and i been told to wait for a so called higher department review. there has no access to this supposedly ..support is unprofessional and not helpful I feel there holding my funds from me for unknown reason. I was depending on last week they have they have escalated it on the XXXX but still haven't received a response from credit karma.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$620.00} XXXX XXXX Balance : {$6900.00} XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (NJ)

Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Hi XXXX, Re : CFPB Regulatory Customer Complaint and Robinhood Case ID : XXXX Thank you for bringing this matter to our attention and please accept our sincere apology for any inconvenience this matter may have caused you. Our staff diligently looked into your concerns received in your CFPB regulatory customer complaint. Please see below for more details. On XX/XX/XXXX a transfer from your bank account ending in XXXX totaling {$5000.00} was reversed by your bank from your Robinhood Spending account. As a result, your Spending account entered into a deficit totaling {$4900.00}. Following the reversal, XXXX transactions occurred on XX/XX/XXXX and XX/XX/XXXX totaling to {$0.00} and {$430.00} respectively. This resulted in a total deficit of {$5300.00} in your Robinhood Spending account. The deficit on your account was unresolved for a total of approximately seven months. In order to resolve the deficit on your account, Robinhood initiated two transfers from your Robinhood Brokerage account to your Robinhood Spending account. The first was initiated on XX/XX/XXXX totaling {$0.00} and the second was initiated on XX/XX/XXXX totaling {$5300.00}. Since then, the deficit on your Robinhood Spending account has been resolved. We hope this clears up any remaining confusion around the transfer from your Robinhood Brokerage account to your Robinhood Spending account. If you have any further questions or comments regarding this matter, please do not hesitate to contact us at XXXX. Sincerely, Robinhood Support This is not the case, I did not authorize or agree to this or for the reversals, they deactivated my account and refused to investigate the disputes as my account was taken over. They feed use to get on the phone with me, if this company refuses to respikve this with me I will have a police report drafted and would like to subpoena all evidence for discovery.
Consumer complaint received 2024-10-24
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. (CA)

I am trying to close on a real estate purchase which is now delayed. Equifax has a data error that is preventing me or my lender from pulling my credit report. They are requiring me to overnight a written request and wait their standard processing time, however this error is in their system and I am now on the verge of losing my deposit and this property since I can not perform. 

I have made several call the week of XX/XX/XXXX and overnighted a written request on Friday, XX/XX/XXXX. XXXX for Equifax to receive and process but I am now almost a week later and one week past my close of escrow on my home purchase. 

There is no rush accommodation offered. The other two credit bureaus had no issues but when I called Equifax multiple times, they give several different answer from we don't see a property to oh yes, it has conflicted personal data and we need your request to resolve.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: iQuantified Management Services, LLC (FL)

Over the past few months I have been receiving calls from various numbers, including from ( XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and from ( XXXX ) XXXX on XX/XX/XXXX and XX/XX/XXXX. They are robo-calls claiming to be from iQuantified Management Services and they claim to be a debt collector. I do not have any unpaid debts so I do not know why they keep calling me. They claim I need to call the number ( XXXX ) XXXX. I checked the website of this company and I don't see that number listed as belonging to them, but I have seen that number described by others on the internet claiming it is a scam number.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX, Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX, Acct # XXXX XXXX ) XXXX XXXX XXXXXXXX, Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 60A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

15 U.S.C Section 1681 s-2 ( A ) ( 1 ) A person can not furnish information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
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. (CO)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

On XXXX I received a letter from BSI Financial Service stating that I owed {$12000.00}. I paid, not knowing what that payment was for. 

When I logged in on XXXX  to pay my XXXX mortgage, I again saw that I owed XXXX again.. 

I checked my payment history and saw that I paid XXXX on XX/XX/XXXX Under Recent Transaction Activity, XX/XX/XXXX {$120.00} payment was made and is listed as " Cash Receipt. '' ( note I don ; 't know what that means ) I called BSI at XXXX XXXX PST Monday, XX/XX/XXXX, and Tuesday, XX/XX/XXXX, to find out what this additional {$120.00} payment is for. 

I got a recording of your wait time is over 10 mins. Each day I waited 20 mins then Click 1 for a callback But received no call back on either day.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my deep concern regarding the unethical practices of XXXX, XXXX and the failure of XXXX, XXXX, and Equifax to address fraudulent collections on my credit report. In XXXX, my identity was stolen and several accounts were opened using my information, including a {$25000.00} loan and a credit card with a balance of {$5000.00}. Upon discovering the fraud, I promptly contacted the issuing bank ( XXXX XXXX  ) and was assured that the debt would be cleared. 

In XXXX, I began receiving calls and letters from XXXX XXXX demanding payment for this fraudulent debt. Despite providing proof that the debt was not mine, they refused to remove it from my credit report. As a result, I was denied refinancing for my home, student loans for my daughter 's education, and personal credit cards. As a XXXX  of a company, I was also unable to obtain a corporate card or small business loan, despite our company 's earnings of over {>= $1,000,000} per year. 

I have made numerous attempts to dispute the fraudulent collection with XXXX, Equifax, and XXXX, but they have failed to take any action to remove it from my credit report. Despite providing evidence of my identity theft, XXXX XXXX has continued to claim that the debt is mine and has refused to remove it from my credit report. I have filed a dispute with each agency nearly every month requesting this be removed and they fail do remove it. 

In XX/XX/XXXX, I hired a lawyer and paid {$3000.00} to resolve this issue, but XXXX XXXX still refuses to cooperate. The credit bureaus should be penalized for not listening to consumers and failing to adequately address fraudulent collections on credit reports. I have lost over {$120000.00} as a result of their inaction, which has prevented me from accessing my home equity and obtaining credit for my personal and business needs. 

I implore the CFPB to investigate the unethical practices of XXXX XXXX and the failure of XXXX, Equifax, and XXXX to address fraudulent collections on credit reports. These companies should be held accountable for their actions and penalized accordingly. I hope that the CFPB will take swift action to address this issue and prevent other consumers from experiencing the same financial hardships. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-24
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 recently discovered some unauthorized inquiries on my credit report, which raises concerns about potential identity theft. Could you please someone has submitted applications or requests using my name without my consent I would like to remind you that, in accordance with the Fair Credit Reporting Act ( FCRA ), any unverified and unauthorized items must be removed from my report immediately. Thank you for addressing this issue promptly.
Consumer complaint received 2023-03-01
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OH)

I have unknown addressses on my credit report and XXXX XXXX XXXX has appeared on my report without my consent. Section 604 15 USC 1681 B states credit reporting agencies dont have the right to report without my written consent.

Section 605 A 15 USC 1681 c-1 states without my consent, that is identity theft.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (KS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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