davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (FL)

there was a debt that originated in XX/XX/XXXX-XX/XX/XXXX for a cell phone with XXXX. XX/XX/XXXX the debt was voluntarily discharged. that was the last time I heard from this company. I have n't received any mail or phone calls in regard to this debt from this company. but XXXX/XXXX/15 they were able to garnish my acct for all my money. left me without a dime to feed my kids. I have XXXX kids from ages XX/XX/XXXX today is XX/XX/XXXX and I still have n't received anything from this company. but they sent notification to my credit union on XXXX/XXXX/15 .... why have n't I received anything?
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I disputed a hard inquiry from a XXXX XXXX XXXX XXXX on XX/XX/XXXX I disputed with Equifax on XX/XX/XXXX received response on XX/XX/XXXX from Equifax stating Inquires are factual. I am asking for signed proof for this inquiry as it is damaging my credit applying for home loan and have not received such document. I feel as if Equifax is not asking for documentation from said company proving this inquiry is in fact legitimate and from me. I have contacted XXXX XXXX but no response to having any documentation to back up inquiry. 
Please assist in correcting this problem. 

thank you
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have attached documents stating that the car company is in violation of my rights. 15 U.S CODE S 1605 DETERMINATION OF FINANCE CHARGE ( a ) FINANCE CHARGE DEFINED EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION THE AMOUNT OF THE FINANCE CHARGE IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTIONS SHALL BE DETERMINED AS THE SUM OF ALL CHARGES, PAYABLE DIRECTLY OR INDIRECTLY BY THE PERSON TO WHOM THE CREDIT IS EXTENDED, AND IMPOSED DIRECTLY OR INDIRECTLY BY THE CREDITOR AS AN INCIDENT TO THE EXTENSION OF CREDIT. THE FINANCE CHARGE DOES NOT INCLUDE CHARGES OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION. THE FINANCE CHARGE SHALL NOT INCLUDE FEES AND AMOUNTS IMPOSED BY THIRD PARTY CLOSING AGENTS ( INCLUDING SETTLEMENT AGENTS, ATTORNEYS, AND ESCROW AND TITLE COMPANIES ) IF THE CREDITOR DOES NOT REQUIRE IMPOSITION OF THE CHARGES IR THE SERVICES PROVIDED AND DOES NOT RETAIN THE CHARGES. EXAMPLES OF CHARGES WHICH ARE INCLUDED IN THE FINANCE CHARGE INCLUDED ANY OF THE FOLLOWING TYPES OF CHARGES WHICH ARE APPLICABLE : 1 : INTEREST, TIME PRICE DIFFERENTIAL, AND ANY AMOUNT PAYABLE UNDER A POINT, DISCOUNT, OR OTHER SYSTEM OR ADDITIONAL CHARGES. 2 : SERVICE OR CARRYING CHARGE. 3 : LOAN FEE, FINDERS FEE, OR SIMILAR CHARGE. 4 : FEE FOR AN INVESTIGATION OR CREDIT REPORT. 5 : PREMIUM OR OTHER CHARGE FOR ANY GUARANTEE OR INSURANCE PROTECTING THE CREDITOR AGAINST THE OBLIGORS DEFAULT OR OTHER CREDIT LOSS. 6 : BORROWER- PAID MORTGAGE BROKER FEES INCLUDING FEES PAID DIRECTLY TO THE BROKER OR THE LENDER ( FOR DELIVERY TO THE BROKER ) WHETHER SUCH FEES ARE PAID IN CASH OR FINANCED. SECTION ( C ) PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE!!!! CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF THE OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE UNLESS A CLEAR AND SPECIFIC STATEMENT IN WRITING IS FURNISHED BY THE CREDITOR TO THE PERSON TO WHOM THE CREDIT IS EXTENDED, SETTING FORTH THE COST OF THE INSURANCE IF OBTAINED FROM OR THROUGH THE CREDITOR AND STATING THAT THE PERSON WHOM THE CREDIT IS EXTENDED MAY CHOOSE THE PERSON THROUGH WHICH THE INSURANCE IS TO BE OBTAINEDYOU DID NOT YOU OBVIOUSLY BROKE THE LAW YOU FID NOT INCLUDE THE INSURANCE IN MY FINANCE CHARGE XXXX : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. PHONE : XXXX SEND CHECK BACK OR WE PLAN TO SUE
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (VA)

On XX/XX/2023 my bank account was debit an unauthorized charge from the company chime. My bank took care of that issue, but it was needed to cancel my bank account and open a different one to avoid more fraudulent transactions. 
XXXX XX/XX/2023 I received a debit card from CHIME that I never requested. investigating their website I learned that in order to open a debit card with this company you need to provide SS number. I checked XXXX, XXXX and XXXX and I don't see. any inquiry ( hard of soft ) in my credit report. I am assuming that this company is opening these accounts without the need requirements. 
I tried to cancel the account, but I am unable to do so. 

THanks
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

The Wells Fargo closed my account without my permission or knowledge. Account was being charged for fees without knowledge. Funds that was in the account was gone. Reopened a new account and they closed it a week later. Dates of Occurrence : XXXX.
Consumer complaint received 2015-05-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NH)

I am a HUD Housing Counselor working with a client whom has aXXXX XXXX loan, serviced by Caliber Home Loans. I have been activelypursuing a loan modification since XXXX 2015. For the last XXXX months theunder writing department has been requesting " additional " documentsweekly, which extends the time frame and out dates recent pay checks, bank statements, etc. This in turn creates in the servicers eyes an " incomplete '' request.
Consumer complaint received 2023-01-19
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. (IL)

In 2022, due to loss of employment due to the pandemic, I was over 30days late in XXXX with my payments for my XXXX XXXX  Account I was 30 days late in XX/XX/2022. I have sent 4 letters to Management and The CEO. Also to the President of Financial Services asking for removal of the late payments from my credit reports ; The accounts have since been brought current. I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to my 3 credit bureau reports. Also The late payments are showing discrepancies on all 3 credit bureaus. By law,15 U.S.C. 1681 when there is inaccurate information on your credit report, the credit reporting agency is required to remove it. If the credit reporting agency fails to remove the incorrect information, then I can sue them for damages.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NC)

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

ADDRESS-XXXX XXXXXXXX XXXX I also have never worked at XXXX XXXX XXXX nor XXXX XXXX Nor have I worked at XXXX XXXX . I work at XXXX XXXX. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE DO NOT PLACE AN ALRET ON MY CREDIT REPORT I WILL KEEP AN EYE ON IT. 

By law part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, XXXX XXXX
Consumer complaint received 2023-01-19
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. (MD)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank has informed me that my money was sent back to US Bank. I find this to be highly irregular, seeing how theyve not provided me with a reason nor a transaction itinerary of the amount in the question is {$180000.00} this institution has been carless with my money and has ignored their fiduciary responsibility. This institution has acted irresponsible in the care of his customers, account and closing accounts, for no legitimate reason.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MN)

PLEASE MAKE THIS COMPLAINT PUBLIC On XX/XX/22 a charge of {$2000.00} was taken from my account On XX/XX/22 a charge of {$2000.00} was taken from my account On XX/XX/22 another charge of {$2000.00} was taken from my account Several unsuccessful attempts had been made. I had no choice but to file complaints with the CFPB. 

After the complaint was filed I get the refund the unknown charges back in my account On XX/XX/22 a refund of {$2000.00} was made to my account On XX/XX/22 a refund of {$2000.00} was made to my account. This refund is for the illegal double charge. 

As of this filing, I dont know what the charge of {$2000.00} was for. XXXX I request explanation for this charge?
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

During my duties as a XXXX of XXXX, XXXX, a XXXX company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of XXXX. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report.
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

When I reviewed my credit report, I discovered that some of the information are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$180.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. 
XXXX XXXX XXXX Balance : {$8000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy.
Consumer complaint received 2023-01-19
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. (IL)

Ive never given you express permission nor consent to furnish information and or accounts to my consumer report. If you have any evidence that proves I gave you consent please provide it to me in writing as an attachment in your response to this complaint through the CFPB as well as via email which I will include in this complaint. Should you have proof/evidence of me giving you consent to furnish information or accounts to my consumer report please clearly and conspicuously provide me with an explanation as to how I can opt out of having my info stored/shared/furnished by you in your companies database/records as well as non affiliated third parties that you do business with. You know it is against the law to to what youre doing without my consent. If we can not resolve this matter amicably, I will not hesitate to escalate this matter further.
Consumer complaint received 2015-10-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (FL)

westlake auto finace did loans with them as an agent they then canceled my contract 4 years ago they then funelled my coustmers to other stores now there comming back 4 years latter saying i have XXXX in buy backs my contract said i was on first payment recourse all of these XXXX coustmers made XXXX to XXXX payments they harrassed them called there niebors family freinds anybody nothing the truth im XXXX years old retired XXXX ive tried to reson with them but there atty said it more fun to go threw court there using corprate money to exort money also they have to give these XXXX people setllments to they are already trying to double dip i also have proff tht they had my gm signing fake contracts
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance : {$17000.00}
Consumer complaint received 2023-01-19
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-11-09
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. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and 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 2024-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Fraudulent Accounts and inaccurate information listed on my credit file. The information reporting does not match. Dates and information reporting are different on each bureau. 


XXXX XXXX Account : XXXX ( Fraudulent account ) ( Remove ) XXXX XXXX Account XXXX ( Never Late ) Inaccurate reporting on XXXX XXXX XXXX Account XXXX ( Fraudulent account ) ( Remove
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was looking to get new home insurance company but I am being denied home insurance because state there are too any inquiries on your credit report. I pull my credit report from tranunion XXXX reporting agency and there were 84 inquiries by transunion in one year and 67 by XXXX in one year. Transunion could nit explain why this is being done since I have only made one credit purchase for finance in XX/XX/year>2024. These inquiries need to be removed. It causing me hardship to get jome insurance.