davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This complaint has been filed to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block the information appearing on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint.

I am a XXXX XXXX XXXX, and the following account information, which appears on my Equifax credit report, is a result of identity theft and fraud that occurred during this period of XXXX  : XXXX XXXX Number : XXXX Opened : XX/XX/201XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Per Equifax 's request, I have attached the following documents as proof that the aforementioned accounts are fraudulent and a result of my XXXX  experience : * Official Police Report * FCRA Section 605C Self-Attestation Form * Notarized Identity Theft Affidavit * Notarized FTC Identity Theft Criminal Complaint # XXXX Additionally, I have also provided results and proof from other credit bureaus that have removed these fraudulent accounts from my credit reports based on the same documentation provided, without any issues. 
You previously deleted XXXXXXXX XXXX Account Number : 8911 ( see attached proof ), and Equifax is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : * 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice. 
* 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that Equifax provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

* 15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled because this account is a result of identity theft.

These documents confirm my identity and substantiate that these accounts were created without my knowledge or consent. I am requesting immediate action to block and remove these accounts from my Equifax consumer credit report.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-30
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: GOLDMAN SACHS BANK USA (CA)

Starting in XX/XX/XXXX I was charged by a company called Simple {$79.00} and then charged this same amount every few months. It happened 4 times. The charges have stopped. I have never done any business with this company nor signed up with them for anything. During this time I was very ill and by the Fall I was in XXXX different hospitals and XXXX  due to a XXXX  XXXX XXXX  which almost XXXX  me. I had to be shocked XXXX times or more. I had XXXX procedures. The first hospital punctured my XXXX and XXXX and released me like this in XX/XX/XXXX. I could not speak or read. Within XXXX weeks I was back in a new hospital ( XXXX XXXX XXXX XXXX ). They had to redo my XXXX  and once inside they found numerous XXXX XXXX They had to change my XXXX  and take it out and put it on my right side. I was in the hospital and very ill before that from summer XXXX through XX/XX/XXXX. Then early this year ( XXXX ) I had to recover. I am finally getting better and I have my cards on auto pay. I have reported these 4 fraudulent charges to Apple Card and Goldman Sachs. They have opened a dispute on these charges and taken off the charges to then only put these charges back on in about 2 months each time. The company took one of the 4 charges off themselves even though I have never spoken to them. I tried to reach out but they will not respond. I am so upset as I pay my bills every month. I need help. I have reported all this information to Apple Card and Goldman Sachss and I was promised that Goldman Sachs supervisor would reach out to me over the phone but no one has ever called. I had to do another dispute for the 3 charges left ( each {$79.00} ). I also found online that I am not the only one that this has happened to. There are many other people with Apple Card That have fraudulent charges from this company called Simple I asked Apple Card /Goldman Sachs to check on where or what the services provided by this company were sent to etc. they never did. They keep saying the charges are legitimate but with NO Evidence. I am begging for help. I dont want to get rid of my Apple Card but at this point I dont know what else to do if this is but taken care of. Please help me : Best regards, XXXX XXXX
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AZ)

I disputed a charge with experian regarding Jefferson Capital for a XXXX account. The last payment was in XXXX. I reported that the statute of limitation for this debt has expired. I needed to have this removed. They did not remove my debt and they updated the last payment as XXXX. They did not correct the last payment not did they remove it. The put erroneous information on my report.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently checked my credit report and seen that there was incorrect and fraudulent information on my report. I contacted these companies to have them removed and here are the companies with corresponding information ; XXXX XXXX XXXX {$350.00}, XXXX XXXX XXXX XXXX {$99.00}, XXXX XXXX. XXXX {$2500.00}, XXXX XXXX XXXX XXXX XXXX {$3700.00}
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have disputed this account XXXX XXXX # XXXX several times because it is reporting inaccurate and I want it deleted off my consumer report. However Experian and XXXX XXXX says it reporting accurate but both companies reporting different things. WHICH ONE IS TRUE?? This is a violation to my consumer law rights, everything on my consumer report MUST BE FACTUALLY AND TRUE. I have also enclosed copy box report to support my complaint.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I took out a car rental in XXXX on XX/XX/XXXX and got into an accident with the rental, when I opened the claim I was told I need to send them several documents including a police report so I sent them all the documents excluding the police report and advised them that at the accident I called the police but no police showed up and I actually waited for like 5 hours on the side of the highway until the rental company brought me a replacement vehicle... so amex told me that I wouldn't need a police report being that I don't have one, at one point they emailed me that they have almost approved the claim just didn't find the charge associated with me paying for the rental with that card but then they found it ever since I've been getting emails from them saying that they need a police report and after I call them they say that they will waive it and approve the claim but the same joke keeps on happening ... .. get emails, call, repeat .... 

Update XX/XX/XXXX XXXX told me that claim is in adjuster review and I should ignore the emails for police report and should wait patiently which I've been doing for 4 months now approximately.
Consumer complaint received 2024-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was sold — 
Company: FirstCash, Inc. (FL)

Affected by declared disaster hurricane Milton XXXX in XXXX XXXX, Florida USA. And previousle Hurricane Helen, and losing of jobs. I am unable to make timely payments due to the impact on my job/wages as a result of a Public Health Emergency . Late payments were due to loss of job or other causes beyond my control. Not worksman compensation received. Would like to request 6 months moratorium on payments and lower payments and non adverse reports and/or apply to behind payments to credit reports agencies to Cash American Pawn I noticed that the repayment amount is too high and I could not pay the third payment they probably cash out the item, XXXX XXXX XXXX XXXX XXXX XXXX, but I called but they request weekly payment of {$10.00}, and I was in a hardship situation that I could not afford that amount, ad went out of money completely, in XX/XX/year> but with Hurricane Helen my situation become worst. Then Hurricane Milton hitted and was declared disaster and I was affected. I'm not sure if they agree and would offer me a new payment arrangement, but I am struggling right now after the hurricanes. My item is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, It would help me during hardship situation to recovering. The amount of the loan is XXXX XXXX monthly payment is {$50.00}, the repayment amount to XXXX XXXX XXXX XXXX XXXX {$250.00}.
Consumer complaint received 2024-10-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Roc Capital Holdings LLC (IL)

I am going through a struggle with refinancing some hard money lending properties, due to my credit score. I have been paying into the hard money loans, but as of now they are charging me 23 % interest and has placed a burden on me as I had to withdraw my 401k to stop foreclosure. I am back on foreclosure and have struggled for 2 years trying to refinance the properties. I need assistance in refinancing and stopping these hard money lenders from abusive practices.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (GA)

This company keeps coming up on my credit reports as a collection and I have no clue why. I don't have any accounts with these people as I have not heard of them. It says that I owe {$1000.00} and I don't know why. If It is one that XXXX XXXX XXXX XXXX has I am not sure bc it is not giving me a account number or anything.
Consumer complaint received 2024-10-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC (LA)

I sent a validation of debt to Global Lending Services in XX/XX/XXXX and the information I received was inaccurate. The letter stated that a purchase was made on XX/XX/XXXX for a XXXX XXXX XXXX from XXXX XXXX XXXX and the contract was assigned to Global Lending Services. This info is incorrect and I've asked Global Lending Services to remove but they refused. Also Global Lending Services did not list all the payments that were made to them.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

FNB is scamming and lying to customers and the CFPB. 

As of XX/XX/XXXX/2024, I still can not access my account or my money in my FNB account that was opened in XXXX. They refuse to close my account, they refuse to send me my money. FNB is literally scamming customers with promos, then not allowing them access to their account or money, effectively stealing us citizens money. This is literally theft.

Upon a CFPB complaint, FNB responded and did not address any of the issues and they flat out lied saying i never contacted them. I called them in XXXX and this call is recorded FNB is acting is illegal manners, ignoring complaints, stealing money and lying to the CFPB, yet I have to pay for it?
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIBANK, N.A. (TX)

I did a business transaction with XXXX XXXX ; XXXX XXXX manages his finances. The real estate transaction was complete, and equity trust mailed the check which was from Citi Bank. When I cashed the check at XXXX XXXX the check did not clear. Because of this XXXX XXXX turned my accounts over to the fraud department and all of my XXXX XXXX accounts are now frozen. My business account has been closed. XXXX XXXX never communicated anything to me or my bank about the funds or the cancellation.
Consumer complaint received 2024-10-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Exeter Finance, LLC. (NC)

This debt collector was very rude and harassed me during a very harsh time in my life. I had lost my home and job so I couldnt pay for the payment of the vehicle that I financed through XXXX. I turned in the car voluntarily and waited for the sale of the car to find out the final balance left over. No one contacted me for months until one day at a doctors appointment for my son I received a phone call from a woman representative of the debt collector that purchased the owed balance. I informed her that I was at a doctors visit for my son and that I can talk to her later about the debt but she kept going on about it being overdue and that its being reported. So I told her to calm down and allow me to speak to her later. She ignored me and so I hung up. She calls me the next day around the same time barking at me concerning the debt. I calmed myself and told her that if she doesnt understand the job position she took of customer service and shes being rude to me about this whole situation, its no way for me to feel comfortable about talking to her about the matter. I hung up. She repeats to call me back and then everyday thereafter. I blocked her specific number and eventually an email came through from the debt collection company. I logged into the portal to see my options of settling but there were NONE. I wanted to negotiate the balance so that way it doesnt put me and my family into a bind that we were just barely getting out of. I left the situation alone because another concern became my full attention. I moved in with my daughter due to the circumstances and eventually received a letter in the mail from this debt collectors lawyers saying that theyre going to sue me if I dont pay. How they found me at my daughters house seeking refuge I dont know. But this scares me because its stocking me to the point where I had even to change phone numbers.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 today ( XX/XX/XXXX ) and identified an error on my credit report for Account # : XXXX. During COVID I called and set up a plan with XXXX due to hardship during the Pandemic and we had an agreement in place for payment. Unfortunately, I have submitted multiple disputes, contacted the servicer and called EQUIFAX but my report still has not been updated. Please assist me with updating my report and removing those late payments. 

According to 15 USC 1681EB you are required to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete this account immediately for violating 15 USC 1681EB. 

Additionally, SEC. 4021. Credit Protection during COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

Action : Notices Fraudulent Transactions Transaction ( s ) Dates & Amounts : {$180.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$20.00} XX/XX/XXXX, {$25.00} XX/XX/XXXX, {$60.00} XX/XX/XXXX, {$9.00} XX/XX/XXXX, {$200.00} XX/XX/XXXX, {$460.00} XX/XX/XXXX, {$70.00} XX/XX/XXXX, {$17.00} XX/XX/XXXX, {$130.00} XX/XX/XXXX, {$10.00} XX/XX/XXXX, {$20.00} XX/XX/XXXX, {$30.00} XX/XX/XXXX, {$30.00} XX/XX/XXXX, {$1.00} XX/XX/XXXX. 
Action : Transactions Disputed Action : Chime Investigates Action : Chime Denies Claim Action : Chime Provided Notice Action : Claimant Obtains Documentation for Conversation of Victim and Suspect Action : Police Report Filed Against Suspect Action : Claimant Provides Additional Information Regarding Dispute with Suspect Admittance to Transactions Action : Chime Continues to Deny Reopened Claims. 
Action : Claimant Supports Additional Information Provided with a Written Statement that the Device with Fraudulent Transactions was Stolen Action : Claimant Reopens Claim Action : Chime Denies Claim Action : Claimant Requests Documentation Action : Chime Sends Documentation Related to Determination of Claim Denial Action : Claimant Attempts to Resolve Claim with Chime Actions : Correspondence Ignored, Bank Account Closed, No Checks Given. 
Actions : Submitting CFPB Claim XX/XX/XXXX Comment : After dispute requests were informed they included discrepancies such as the stolen phone, the con-play between XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX ( XXXX ), the police report, other underlying factors that cant be noticed through a computer unless stated, etc. and yet Chime still chose to deny/close the dispute, close the account in the negatives, and continue to revoke payments on the fraudulent transactions.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This company has violated my rights based on the FCRA laws. The congressional findings of the fair credit reporting act states that the consumer, me in this situation, has a right to privacy. My privacy has been eroded and severe burden has been placed on me and my family. I believe this to be willful noncompliance at this point.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.