davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft due to a data breach, and the following accounts and inquiries were not authorized by me.

Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$720.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX  {$2900.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4200.00} Unauthorized Inquiries : 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 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 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-17
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. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NJ)

Complaint to Marcus by Goldman Sachs : I opened Marcus online saving account on XX/XX/XXXX, deposited {$25000.00} in the account on the same day. On XX/XX/XXXX, I decided to transfer the money out to my external bank which has been confirmed and verified by Marcus. The request was successfully submitted, and then the next day on XX/XX/XXXX, I received a phone call from a Marcus specialist asking to confirm if I was one that initiate this request. I confirmed with him that I was the one that made this action, and the external bank is my personal account as well.

My money was reverted back to Marcus the next day with no email or text notice. On XX/XX/XXXX, I tried logged into Marcus and found out my account was locked. I called Marcus the next two days, on XXXX and XXXX, the specialists were not able to told me why my account was locked after providing all my personal information, and they were not able to send their PIN or code to my cell phone saying they do not have my number on file, even though I registered my one and only phone number with them.

Then I was told an AOI form ( Affidavit of Adentity ) will be mailed to me to complete the verification process. I did as what they requested : completed the form with filling in sensitive information like SSN #, driver license #, DOB, Address, etc., got the form notarized, and mailed it back on XX/XX/XXXX. 

I waited few days and called Marcus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, I was given the same runaround -- I need to give them 3-5 business days to review the form. Up to this date, my account has been locked for over a month, with no explaination on why the account was locked, no access the monthly statement, and have no clue if my money is still under my possesion.
Consumer complaint received 2023-08-07
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. (PR)

I requested a line of credit from XXXX XXXX to maintain my score or it will increase. A self-payment through the company 's application was scheduled for the XXXX, which was the payment deadline. I had not seen that the company takes XXXX to XXXX business days to complete the payment, as soon as I noticed I updated the self-payment date for the XXXX of each month, in the same way I made a payment for {$90.00} on XX/XX/2023 for the application. Similarly, on XX/XX/2023, another {$90.00} of self-payment was collected. Despite not entering into late payments, the company reported information to Equifax that left me XXXX points. Filed a dispute with Equifax which resolved that XXXX XXXX should send updated information. At the moment my score with Equifax has only gone up XXXX points. Likewise, on XX/XX/XXXX, another payment for {$60.00} was made, which was reflected immediately.
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (MA)

To whom it may concern, I have contacted the company Penn Credit and requested a debt validation letter about 6 weeks ago and still have yet to receive it. I never received written notice from the above company and found them through a 3rd party so this request is vital as I do not believe I owe this debt. 

They have not been able to verify the debt nor verify they have the right to collect on that alleged debt. 

This is very important to me as a hold was placed on my car registration and I legally am not able to drive it and when it is parked on the street, I am been given countless tickets. It is very difficult to have only one vehicle to drive between my wife working full time and I working full time and having a XXXX year old daughter. 

I do not know where to turn but have read online that filing a complaint may help. Any assistance that could be provided will be greatly appreciated. 

Thank you in advance for your help. 

Best, XXXX XXXX
Consumer complaint received 2024-11-06
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. (GA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am submitting this CFPB complaint as a follow up regarding remaining unauthorized inquiries and the inquiries I recently noticed on my 3 credit reports. Again, while Equifax has successfully removed all the unauthorized inquiries just this recent days earlier, when I habitually checked my Equifax credit report, I noticed these 5 unusual inquiries in it, the thing is when checking my records regarding those specific days I found none of the said inquiries I made to the companies. The same thing for XXXX and, in particular, XXXX. Like I said in my recent complaint the XXXX has removed most but not all of the specified fraudulent inquiries, with two inquiries remaining unresolved. However, from XXXX Credit Bureau there was no action has been taken to remove any fraudulent inquiries, and now these additional 6 inquiries added to my issues I need to fix in my credit file. I kindly request that XXXX, Equifax and XXXX Credit Bureaus promptly address the following fraudulent inquiries : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I want to ensure that my credit report accurately reflects my creditworthiness and remains free from unauthorized entries. As a consumer, I expect full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates credit bureaus to investigate and respond to consumer disputes within 30 days. Considering that several months have passed since I initiated these inquiries, I request immediate action to resolve this matter.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (AL)

XXXX is reporting inaccuracies to my consumer report. My address is inaccurate also. Charge Off Accounts is a forgiven debt. Income can not be reported on my consumer report. 15 USC 1681 ( e ) B States ( b ) Accuracy of report.

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. 

XXXX. XXXX XXXX XXXX Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$340.00}. 
Issue : I have not received a XXXX-C form from this creditor for the cancelled debt. According to the IRS guidelines, a XXXX-C should be issued for any debt over {$600.00} that has been canceled, discharged, or forgiven. The absence of this form has led to potential tax implications that I am not prepared to address. 
Request : I request that you verify with the creditor that the 1099-C form has been issued for this account and provide me with proof that it was sent to my correct address. 

XXXX. XXXX XXXX XXXX XXXX  ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$1300.00}. 
Issue : Like the account above, I have not received a 1099-C form for this account despite the debt being forgiven. The creditor has violated the IRS reporting requirements by failing to issue the form. 
Request : Please confirm with the creditor that the 1099-C form was issued and provide documentation of this form being sent to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2600.00}. 
Issue : No XXXX form has been issued for the canceled debt, which violates IRS regulations XXXX 
Request : I request confirmation that a XXXX form was issued and sent to my correct address by this creditor. If not, this failure to report is a violation of both tax law and my rights under the FCRA. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2300.00}. 
Issue : There is no record of the required XXXX-C form for this debt cancellation. This oversight has resulted in an inaccurate representation of my financial status.

Request : Please provide evidence that the XXXX-C form was issued for this debt or request that the creditor issue the form immediately.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. EQUIFAX is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below :
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-31
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and only authorized a credit check once but it was checked numerous amount of times. Which impacted my credit in a negative way.
Consumer complaint received 2023-07-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have now requested that the dispute comments be removed from the XXXX  # XXXX be removed as I no longer dispute the account and it was resolved. I have made the request 3 times ( last attempt was on XX/XX/ ) to each bureau and it still appears. This dispute is interfering with my ability to obtain a mortgage and rates keep going up.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NH)

I submitted a request to LexisNexis for my annual copy of the consumer report maintained and distributed by their business XXXX days ago via Certified United States Mail ( signature confirmation ). I have yet to receive this information.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

Paypal learned about a scammer who defrauded me out of money for blantantly selling fake items from a XXXX account he hacked. 

Paypal did not resolve the conflict. Said money was transacted as " friends and family '' when I didn't choose that option. 

Even after receiving police report, Paypal still let the scammer keep the money even with stolen identity. 

Paypal is deceiving who it protects.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC (WA)

I filed a complaint against Omega RMS ( complaint # XXXX ) with CFPB on XX/XX/23 which has since been closed. I mailed a debt dispute letter, in writing, within 30 days of receiving the original notice of debt. Omega RMS claims to have received that letter on XX/XX/23, however, still contacted me which is a violation of the FDCPA. Once again, Omega RMS has broken the law as I have never received any debt validation letters as required by law, yet they still proceeded to report the debt to the credit bureaus on XX/XX/23. Under the FDCPA, section 809, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Today is XX/XX/23 and I have yet to receive any such documentation. Furthermore, I received a call from Omega RMS once again on XX/XX/23 at XXXX, another clear violation of the FDCPA as it states, to continue to pursue the debt, they are required to provide proof, by mail, if not, the collection calls must stop. Due to these violations, I request the debt be removed from credit report within 30 days.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DE)

I am writing to ( reopen/ appeal ) dispute a charge of XXXX XXXX of {$2200.00}, {$2600.00} to my credit card on XX/XX/23 and {$130.00}, XXXX and {$220.00} charged to my credit card on XX/XX/23. The charges are in error because I did not receive the items that I order. The items were not accepted when delivery company XXXX attempted to deliver the items since the items were 2 months late and were procured through another source. 
I object to Citi closing my dispute as per your last letter you were still awaiting a response from the vendor XXXX, who has not substantiated the charges on my account and havent sent me an invoice. The original date of dispute must remain and you must resolve my dispute within the 90 days from the original date of dispute as required by law. 
The referenced items Kitchen appliance package of refrigerator, dishwasher, range and microwave including 3 yr warranties for each were ordered on XX/XX/23. Delivery of the items were promised for XX/XX/23. I called XXXX customer on the evening of XX/XX/23 when delivery was missed. They offered a {$300.00} discount for the missed delivery and provided another delivery date. The next delivery date was missed, as well as the next two times. I filed a XXXX complaint, they provided numerous misleading reasons why the items werent delivered. As well as directing me to the delivery company XXXX whom informed me that they didnt have the items and to contact XXXX . Ultimately, I procured the items from another source with the exception of the refrigerator. 
I contacted XXXX via phone and email numerous times, I requested an invoice and refund. They advised not to worry they would issue the refund in 5-7 business days. After I exhausted all attempts to receive the refund, I filed a dispute with Citi for the charges on my credit card. 

Upon receipt of the dispute Citi issued a conditional credit for the disputed amount and advised they were waiting for a response from XXXX. In a letter dated XX/XX/23 Citi reversed the conditional credit and determined that I was responsible for the dispute amount because I failed to a prior letter. At no point did XXXX verify the charge or make contact with Citi. Citi reported the disputed amount to the credit Bureaus and my credit score was significantly impacted in a negative way. I responded with a letter via email on XX/XX/23 and XX/XX/23. 

I advised Citi that I'm confused as to why the disputed amount isn't conditionally applied to my account, I don't know what amount i'm responsible to pay and the harm done to me by the reporting of the erroneous debt to the credit reporting agencies. No relief was provided.
Consumer complaint received 2023-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

Jefferson Capitol Systems LLC. Which is a debt collection company has repeatedly harassed me called me from blocked numbers all hours of the night. They never sent me any communication about a debt or gave me a chance to dispute it. The debt has been added to my credit report without my consent. They have threatened to share my personal information such as my social security number and my credit report. They have told me that I will be sued and, my wages garnished and put out on the street and that " they deal with people just like me everday and that I will be sorry for not paying them for a debt they say I owe ''. THE amount they are claiming is XXXX. Not to mention they put a extra XXXX admin fee on top of the XXXX bringing the total amount XXXX. Other comments they have made is they do not wan na have me arrested. This company has said that I just need to pay the money there is no need to know any other information and it is not there job to provide it. I reached out to them with returned receipt certified mail and they never responded.