davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XXXX/XXXX/XXXX at XXXX XXXX a gentlemen called me from ( XXXX ) XXXX representing himself with the XXXX county courts. He stated a lawsuit was filed against me in regards to fraud. I advised I had no knowledge of this information. He then gave me another number to contact ( XXXX ) XXXX and case number XXXX. I called the number he gave me and a female stated the matter was with an Attorney XXXX. She then advised the matter was due to an unpaid payday load from Ace cash express. I advised her ; this was unethical and against the law to call someone under a false representation of the XXXX County Clerks office. Also, I 've set up payments with them and they 're not allowed to collect on a debt in which payments are already setup. This is a form of harassment. You can not false identify yourself, nor use scare tactics claiming suit by representing yourself as a clerk from the XXXX county courts. The lady then hung up on me. I called back several times baffled of such unprofessional behavior. She then begin to yell advising me to pay my bills when I 've informed her several times I 've already set up payments with them. She refused to give her name.
Consumer complaint received 2019-06-23
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)

XXXX  refuses to remove fraudulent accounts from my credit report. Below is the following complaint was submitted to them : I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already most of these fraudulent accounts and have emoved these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX   system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2019-06-23
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. (TN)

I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSCAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOTCONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIEDINVALID ACCOUNTS MUST BE REMOVED. EQUIFAX, XXXX, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (CA)

SUPER URGENT. NEEDS RESOLUTION IMMEDIATELY I have made a CFPB complaint back in XX/XX/2023, and my issue still has not been resolved because Equifax has not taken any action to address my situation. So technically it has been over 60 days and my complaint has not been fixed. 

Back in XXXX, I was applying for a loan, but my lender was unable to pull my credit report for Equifax, just Equifax. They were able to pull reports from XXXX and XXXX. I have called Equifax phone support several times, and they always make up a bogus reason for why I am unable to pull my report. First they say that my information is not up to date, so I have to send in supporting documents of my copy of drivers license and copy of social security card and a cover letter with my info, but that never fixes the issue. I even received a confirmation from Equifax saying that my information has been updated, but now the letter says that no credit history exists on my report. So Equifax tells me to call my credit card companies like XXXX and XXXX to tell them to start reporting my payment history to Equifax. This started in XXXX and still no results. So I call Equifax this week in XX/XX/2023, and now they tell me that the copy of my driver 's license is blurry. I believe that this is a nothing but a dishonest statement to get me to stop calling them. This was never mentioned in any of the times I called Equifax again to confirm receipt of my supporting documents and was not mentioned in the confirmation letter Equifax sent me when they received my documents. On top of that, I am getting a repository message from them saying that " INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FOR DELIVERY. '' XXXX XX/XX/2023. 

If this message is not removed from my report, my lender can not even pull it. But Equifax said I had no credit history, so how can both be true at the same time? I need this message to be removed immediately and I need my full credit report to be available from Equifax immediately or I will have to take legal action against Equifax. 

I have done all that I can to fix the situation myself, but there is nothing more I can do. Their phone support is unbelievably unhelpful, telling me conflicting information on multiple occasions. When I request more information about my situation or ask for their supervisor, they always just hang up on me.
Consumer complaint received 2023-08-24
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. (MD)

There are unauthorized inquiries on my credit reports also incorrect information as far as my address .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries was not authorize by me!
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past months, but unfortunately, there have been no updates from your agency regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$3200.00} and was paid via XXXX. XXXX transportation tried to make a false claim for {$3000.00} to get money back that he sent me and was denied because Bank of America was able to find that he authorized the XXXX  payment. Now in XXXX, XXXX Transports submitted another claim for {$3200.00} which resulted in a hold being placed on my account for the amount of {$3200.00} even though he was already denied in XXXX for authorizing the payment since they found proof that he received and authorized the verification codes sent to his phone to send me the {$3200.00} payment. I have received false information from numerous agents. One agent told me his claim was going to be denied and they were going to release the hold today ( XX/XX/XXXX ) only to see the hold posting on my account as ( XXXX XXXX XXXX XXXX XXXX ). The next agent stated that his claim was successful and the only thing I can do is take legal action, and the last agent I spoke to stated that even though the amount posted, it still is under review and will most likely get denied once they find out that he authorized the payment using verification codes sent to his phone. I don't know which agent is correct which is frustrating and since they already proved that he did authenticate the XXXX  payment in XXXX, I need Bank of America to release the hold on my account immediately! This is negligence on Bank of Americas part to let a fraudulent claim go through to put a hold on my account since he was already denied and sent verificaiton codes to his phone to pay me for the XXXX!
Consumer complaint received 2019-06-23
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. (OH)

I have been requesting validation of this account XXXX  XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score.

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through e-Oscar system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am following up with the CFPB for the second time and relation to my one and only address i have provided the companies Equifax experience and XXXX with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus Equifax, XXXX and XXXX and noticed the following information are in error : Names And Addresses and phone numbers I have filed a FTC report that i have attached to this document here today. The following are, Phone Numbers : are incorrect and is damaging my credit health ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize The inquiries which are listed in Ftc report attached Addresses that need to be deleted or updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be notedXXXXXXXX XXXX XXXX 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 2019-06-23
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. (MO)

I am not the owner of this account.. 
Delete XXXX XXXX**..Derogatory accusations must be Metro 2 Compliant to  retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Consumer complaint received 2019-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AL)

To whom It May Concern. I am writing this as an effort to keep my home. On XX/XX/XXXX, my husband was involved in a serious accident on his job. As a result, of this accident he was required to have XXXX. After all was said and done, he was unable to return to work. He is now needing XXXX on both of his XXXX  and we can't even afford that. This really was a burden on us because now we went from a two income household to one income.I have tried to the best of my ability to continue to make the monthly payments since then. But being the sole provider for my family and trying to maintain all the financial woes, I have fallen behind.I was unaware of any assistance programs that may have been available to me until today. My mortgage company also has not presented anything to me or informed me of anything that would help avoid the situation I am currently facing. I paid them {$600.00} on XX/XX/XXXX and I am only two months behind now.They stated that they can not allow me time to bring the account current and if I couldn't make the payment of {$1600.00} by midnight tonight, the foreclosure process would go into effect.This to me is ridiculous. This has been a big burden on me. My family will be facing yet another dreadful situation if we can't come to some type of agreement. One that will cause us to be homeless. What else is there left for me to do?
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNTRUST BANKS, INC. (NJ)

On XX/XX/2019, I received a reply from SunTrust Bank via postal mail stating their position that the inquiry is valid and factually sound. The documentation SunTrust also followed up with via file upload to the CFPB website answering my complaint was information about me requesting a loan or some sort of services from their institution. 

After a full review of the documentation displayed by SunTrust Bank it is clear there is no application of consent indicated within this unknown paperwork. 

There is no wet signature, nor a recorded phone call to indicate that I personally spoke with this company for any type of services. 
There is no e-file signature, or electronic consent indicated in these documents to prove the statement provided by SunTrust is factually sound. 

I request that SunTrust produce sufficient and clear evidence as stated in the Law according to the FCRA to prove I consented to a fraudulent inquiry with proper and required signatures or applications baring my name consenting to this illegal breach of privacy.
Consumer complaint received 2019-06-23
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. (NY)

I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, your company already block some of the information a copy of previous complaint is attached but two accounts appeared in my credit ( XXXX XXXX XXXX and XXXX XXXX ) please block these items that do not belong to me, thank you.
Consumer complaint received 2019-06-23
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: College Assist (CO)

Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called XXXX XXXX to inform them of how the loan was being processed and was transferred three times. What is that about!?! Sounds like a problem! 

I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!
Consumer complaint received 2019-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (TX)

The financial obligation levied against me was due to a emergency room visit to a XXXX XXXX XXXX XXXX, for an elevated XXXX XXXX, whereby no adequate treatment was provided. The debt is currently being disputed with the original creditor, in addition to an open investigation XXXX XXXX XXXX XXXX of Texas for possible violations, and an open Federal Trade Commission Consumer Complaint for unfair trade practices against XXXX XXXX XXXX. I have contacted AMCOL on two separate occasions, first on XX/XX/2019 and spoke to XXXX, and on XX/XX/2019, spoke to XXXX. On both occasions I was told the dispute was submitted and I would be informed of the results, and at no time I given any specific instructions regarding the dispute process into this matter - instead of being informed of the results or given any path to a resolution, they instead, placed the negative information on my credit file. I have been very proactive in trying to reach a resolution to this matter, only to be blindsided by the deception that has been projected by AMCOL in their collection practices.
Consumer complaint received 2019-06-23
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: WELLS FARGO & COMPANY (CO)

Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called Wells Fargo to inform them of how the loan was being processed and was transferred three times.  What is that about!?! Sounds like a problem! 

I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In XX/XX/2013 I filed for bankruptcy and all debts were discharged, including a lease agreement with XXXX XXXX XXXX. Post discharge, XXXX XXXX XXXX has been reporting my as late 5 times after the bankruptcy. I have attempted to resolve the issue through the credit reporting agencies and with XXXX XXXX XXXX  with no success. The account is showing closed and without a balance which is the only thing that is correct. The 5 late payments which are being reported on credit reports after my bankruptcy discharge are causing great harm.
Consumer complaint received 2019-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Consumer complaint received 2019-06-23
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: SYNCHRONY FINANCIAL (IL)

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.