davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over XXXX days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Equifax mortgage services XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax Mortgage Services XX/XX/XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax is furnishing incorrect information on my profile, The following Accounts and or Collection does not belong to me ; 1. XXXX XXXX | XXXX | {$930.00} 2. XXXX XXXX | XXXX | {$26000.00} 3. XXXX XXXX | XXXX | {$4600.00} 4. XXXX XXXX XXXX | XXXX | {$350.00} the above accounts are not my accounts and they are furnishings accounts on my credit profile that does not belong to me. It is illegal to put something on credit report when they do not have any documents bearing my physical signature
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have been sending letters to Portfolio Recovery to validate an alleged debt and requested that they remove it from my credit reports, however, they sent me a generic letter showing a bill. As we know, that is not a debt validation. On XX/XX/XXXX, I sent another certified letter to PRA requesting specific documents to validate the alleged debt, however, they sent me a letter dated XX/XX/XXXX stating that they will not conduct another investigation after they completely ignored the one sent XX/XX/XXXX. On XX/XX/XXXX at XXXX, I received a call from XXXX XXXX XXXX XXXX, and spoke to agent XXXX XXXX XXXX XXXX who informed me that my letter dated XX/XX/XXXX was denied ; which makes no sense, and practically harrassed me, I never once stated/confirmed who I was, and he started talking about this alleged debt. 
I have been requesting debt validation, they have not been able to provide that to me, and they have not removed the account from my credit report like I have asked. They continue to stall me and report this allegation on my credit report.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. PLEASE REMOVE THE FOLLOWING INQUIRIES THAT I HAVE FOUND ASAP. 

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
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX  illegally reported XXXX XXXX to all credit reporting agency resulting in damages to me the consumer and my credit report and violate my privacy according to the Privacy Act of 1974 and faild to report pay as agreed when payment was made in full and wrongfully charge off the account and closed it even when the account is showing open
Consumer complaint received 2024-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX : I sold my property at XXXX XXXX XXXX XXXX, XXXX TX. XXXX. Consequently loan number ending in XXXX was paid off to Truist Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX. However, Truist Bank did not record the payoff until XX/XX/XXXX. 

XX/XX/XXXX : I changed the mailing address on Truist Bank 's website from the property in Texas to my new mailing address. 

On XX/XX/XXXX : I alerted Truist Bank that I still had not received my escrow funds. I was told by a bank representative that the escrow check was mailed to the mailing address for the property that I sold. I alerted the representative to the bank 's error, I was told that the check would be reissued. 

On XX/XX/XXXX : I called Truist Bank to advise them that I still have not received the funds. The bank representatives are refusing to send my escrow funds to me in a timely manner as per their obligations according to law to return the money within 20 days.
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

In XX/XX/XXXX my paycheck was garnished due to an account being opened in my name, the collection company filed suit, and garnished my pay, I had sent them and I have provided them sufficient documentation since XX/XX/XXXX along with the police report to verify the debt was not mine as I was XXXX XXXX XXXX when the account was opened, the agency and attorney of record does not answer or reply to my emails, they have taken almost {$7000.00} from my money. I need to have these collections stopped and my money returned.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (PA)

The following furnishing persons have violated my consumer rights XXXX # XXXX XXXX XXXX XXXX, under the flowing : 17, cfr 248.124 reasonable opportunity to opt-out, Title 13 proof of a contract agreement 15 usc 6802 -05, 5 usc 552a Privacy act of 1974, 15 usc 1681 { b } SSA Consent Permissible purposes of consumer reports 18 usc 1029 knowingly participating in unauthorized access to a credit devices 15 usc 1644 fraudulent use of credit cards. By advertising unauthorized accounts on my XXXX, XXXX, and XXXX consumer reports preventing me from being able to receive a fair and equitable reporting. These furnishing actions undermine the credit reporting agencies responsibilities to insure that my credit reports are reporting accurate accounting information. The action of these furnishers has shown to be harassing and caused me and my family duress and lost opportunities on investments. They have ignored all my attempts to clear-up this matter. So I'm seeking the support of the CFPB to help rectify these fraudulent account from all of my consumer reports.
Consumer complaint received 2024-01-15
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. (NC)

My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX 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 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-01-15
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. (MD)

I pulled up my credit files from each credit agency, XXXX, XXXX and Equifax. Each of these agencies are reporting accounts that do not belong to me. The accounts are listed as XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX under account number # XXXX. I have requested each credit agency to provide me with contracts that bear my signature that I signed for these accounts. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they don't, they're in violation of the act. I will be filing a complaint as well to Maryland State Attorney General Office. The dates the information was requested is XX/XX/2023 and XX/XX/2023. As of today I have not gotten anything from any of the credit reporting agencies.
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (PA)

I have a collection debt reported by a company called CAC Financial, for {$730.00} dollars. Supposedly, the original creditor is called XXXX XXXXXXXX XXXX. I've never done business with either of those two companies. Nor have I ever received any correspondence from them. So I suspect it's fraud. I XXXX  the phone number of the supposed original creditor, l called but no one answers that phone.
Consumer complaint received 2020-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDMAN SACHS BANK USA (MA)

My problem is with my Apple card serviced by Goldman Sacs. I  purchased an XXXX with my Apple card on XX/XX/2020. I purchased a brand new XXXX XXXX. While filling out the credit card information ( took about an hour because the wallet app would not prefill any information and all the boxes were not fill-able ) I finally got the payment done. However there was no option for interest free payments for a year like it was advertised. There was nothing offered, no box to be check or anything. I assumed that because it was an apple card purchasing an apple product on the apple website everything was okay. I payed my XXXX statement and the principle looked to be interest free until this pay period. Now, I owe the full balance of the phone or I face interest charges. I payed off the card and canceled it. This is unacceptable. The only answer I got from Goldman was to return the phone and repurchase it on a payment plan. However the phone is not returnable because its past the 30 days return policy. This card is purposefully marketed towards apple consumers and judging by the poor wallet design, wallet integration and implementation by Goldman Sacs, they are taking advantage of people during COVID-19 and their resolution is basically " to bad ''. I effectively closed my account XX/XX/2020. Hopefully, no one else falls for this.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been disputing one account that is on my credit report for XXXX and Equifax and I have been getting nothing back regarding this. This one account is not mine!!!!! I have not even owned a card like this used or signed for any cards like this I need help I have filed FTC I have called the furnisher and the bureaus but to no avail please help this is ridiculous. 

XXXX XXXX XXXXXXXX - Acct # XXXX XXXX {$17000.00}
Consumer complaint received 2024-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (VA)

On XX/XX/2023, I mailed Online Information Services a certified letter ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX, which they received on XX/XX/2023. Despite sending a certified letter, they have not responded or provided the requested validation. On XX/XX/2023, I mailed them another certified letter ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ) ; which they also received on XX/XX/2023 asking for the immediate closure of the disputed collection account and the cessation of its reporting to the credit bureaus within 15 days since they failed to address it within the first 30 days.. They proceeded to update the account with the credit reporting agencies YET they still did not acknowledge my letter sent to them.
Consumer complaint received 2024-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Linebarger Goggan Blair & Sampson LLP (CA)

I received a lawsuit coming from state of Texas in XXXX XXXX that accused me of owing a big sum of tax money from a property that I dont even own for {$17000.00}. I tried to send their letters back but they did not stop previously prior to sending me a suit last XX/XX/2023. The law office of Linebarger Goggan Blair and Sampson, LLP which is headed by a Lawyer named XXXX XXXX kept harassing me. They included my name in a lawsuit with people I dont know, I have no relation with and never knew or not a relatives of mine. I have never been to Texas let alone own a property to a state I never lived.
Consumer complaint received 2024-01-15
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. (NY)

My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have Attached supporting Documentation Below.
Consumer complaint received 2023-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC (TN)

We signed a contract with XXXX XXXX XXXX in XXXX to install a solar system on our property. They used Goodleap to finance the project but did not complete the project to the terms in our contact. goodleap has not done the work to help us get our system working to the specifications in our contract and has been demanding payment from us for the finance agreement. We have been in contact with goodleap /loanpal since the beginning when we first realized our system was under functioning in early XXXX when we suspected the solar company was engaged in deceptive sales practices.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (GA)

In accordance with the Fair Credit Reporting Act ELAN FINANCIAL SERVICES has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

This is a fraud case-Umpqua Bank recently acquired by Columbia Bank I watch my accounts pretty closely and towards the middle of XXXX of last year, I noticed a couple of funds transfer attempts while reconciling my debits.I decided to stop in to my local branch since I had to go downtown anyway. They pulled my account from their end and saw nothing, I showed them from my phone, and they explained to me that corporate doesn't talk to local branches, and they just referred me to call corporate. Floored, I walked out of there. XXXX days later {$2600.00} was taken out of my account through bill pay ( which I don't use ) to an account at XXXX XXXX. I stormed back into the branch, and they were quick with the apologies and again referred me to their XXXX # which I called right from their lobby. They quickly closed my account, reissued me a new card, saw suspicious activity and assured my funds would be put back into my account. I go make a police report, receive a case # XXXX Over the following weeks I don't see my funds anybody knows why, then I get a denial letter, Im livid and call for them to say it was filed to the wrong department ( I guess they have XXXX fraud dept. ) it gets filed correctly and to this day when I call it's XXXX hour to get through, and they say they're waiting for somebody at the top to do something, and I'm not the only person this has happened too. I ask why can't you call XXXX XXXX, with the account number and bring a XXXX  cop with you?! They stammer and say it's not that easy. I say so you're allowing this then, Your inept security is causing me to almost be homeless. I think I'm in the twilight zone!
Consumer complaint received 2023-03-13
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: ALLY FINANCIAL INC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-01-15
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. (GA)

I accordance with the fair Credit reporting act XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX FEDERAL Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXstructions. 

Please removes these negatives off my credit ASAP. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX