davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (NJ)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Doyle & Hoefs, LLC (PA)

Sent letter of validation and received on XX/XX/24 they dated on there paperwork XX/XX/24. And they went ahead and put a lawsuit against me not giving me the 30 days to investigate and dispute back
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (CA)

I looked at my credit report and found Jefferson Capital as a collections account from XXXX. I never had XXXX before. They said I owe {$710.00} dollars. There was 3 other accounts that I didn't recognize and I disputed all of them and all of them got removed except this one.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NJ)

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, After perusal of your company credit report, I felt the strong necessary to check whether your company still have the security freeze, because of the concern on the other credit report companies, which report content changes several times in short period. Therefore, I tried to log in your company website. As far as I remember, I could log in last time when I tried to add both/either extended fraud alert and/or security freeze about one month ago. However, today, when I tried to log in, I just could not. Even though your company stated to add the security freeze before other credit report companies advised me, your company continued to ask it again. Since I could not check whether I have both security freeze and extended fraud alert at your website, I have decided to send the necessary documents for them along with the necessary personal information. Also, I tried to create the account with your company website to check the security freeze and fraud alert, I could not make account from the beginning ; that meant I could not do anything for that process. 

Sincerely,
Consumer complaint received 2023-05-05
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (OH)

I took a paycheck on XX/XX/XXXX to a local XXXX Checksmart to be cashed which it was. I received a phone call on or about XX/XX/XXXX from a XXXX XXXX who says he's from Checksmart and the paycheck was apparently returned. I was a little surprised to hear this but I had wanted to work out a repayment arrangement with them. I have been a long time customer of theirs and in the interest of that relationship I decided to work with them on good faith with no documentation and the understanding that documentation would be following. To date I have received nothing from Checksmart. On XX/XX/XXXX I learned that the check had been resubmitted for payment and had cleared I was also given documentation to that effect which I offered to send to XXXX XXXX, he declined. The calls have not stopped and they are threatening to file criminal complaints against me. I have stated to them that this is an issue on several points. One - the debt has been paid in full, two - I have not received any documentation requested or even a demand letter from Checksmart which is required, three - I could have no knowledge that a paycheck might be returned. I have reiterated these points to Checksmart many times and they continue to engage in unlawful debt collection. XXXX XXXX has refused to provide contact information to send the documentation I have, I have sent the documentation to a generic customer service email address with no response. In addition to this complaint I have filed a complaint with the Ohio Attorney Generals Office
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I received a deposit of {$1200.00} from my job. I was paid bills, ate lunch, and by around XXXX that day my card started declining with funds still on the account. I called in and they told me my account was closed but refused to tell me why. I went to the branch the following day, and they still refused after calling back office. It is about to be the holidays and I can not wait this long for my money.
Consumer complaint received 2024-04-09
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. (NV)

On or about XX/XX/2021 i had a breach of security on my computer causing a theft of my drivers license as well as my social security. In addition to the the computer breach of security and also lost my drivers license and social security card. My Personal identifying information had been stolen online and physically and the id theft thieves had subsequently opened credit card accounts fraudulently, The following banks that had issued fraud credit card accounts as well XXXX, equiafax and XXXX have been reporting the fraudulent accounts on my credit reports causing an extreme hardship. I am a military veteran for over 20 year and dont deserve this kind of treatment. The following banks and accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 must say i am a die hard american XXXX veteran and i am beside myself that these criminals and the credit issuers allowed this. I amk protecting them and what do they do, Rob me.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-11
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (AZ)

They my deposit over again and won't let me keep going from where I already was because they mistakenly closed my account. When I contacted them on the chat, they didn't fix the issue and proceeded to hang up basically then they close the chat on me. I have screenshots as evidence. I am adding to this report so I would like them to close my credit builder account for reporting in accurate information on my credit hindering me from buying a house at the moment, and I will be taking legal action so there might be a report. Thank you for your time and consideration.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (IL)

CBNA is still reporting an account that is not familiar to me on my credit reports! I requested they send me a copy of the original contract with my signature, all charges and all monthly statements and they ignored me! I then filed a dispute with XXXX and they waited a couple of days and just said the company said it was correct and did nothing!! That is NOT VERIFYING A DEBT AND IS NOT INVESTIGATING A DEBT TO DETERMINE IF IT BELONGS TO SOMEONE!!! I have had my personal information hacked 10 times since XXXXXXXX  and have a RIGHT TO HAVE CORRECT INFORMATION ON MY CREDIT REPORTS AND NOT PAY A BILL THAT IS NOT MINE!!! This account has never been verified as mine!! PLEASE ENFORCE THE LAWS!!! THEY HAVE BROKEN THE FDCPA AND FCRA!!! THE CREDIT REPORTING AGENCIES ARE JUST AS LAWLESS AND ARE GUILTY OF THE SAME AS WELL AS AIDING AND ABETTING THESE BUSINESSES!!! 
Account name CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$1600.00} as of XX/XX/XXXX Status Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXXXXXX 
Date opened XX/XX/XXXX Details Not mine or No knowledge of account You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at experian.com/upload. 
Cancel dispute Add a statement Upload
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (FL)

I currently have student loans with Great Lakes and the amount owed is {$100000.00}. These student loans continue lower my credit score. They keep reporting these loans in all my credit reports. I thought that I was entitled to privacy, as it states in the Family Educational Rights and Privacy Act ( FERPA ) that was enacted in 1974 ; and 20 USC 1232g ( b ). They never explained to me my rights to privacy and I am being turned down for credit when attempting to purchase goods and services. It has been more than fifteen years and this action continues. I have communicated this to the credit bureaus, but they insist that the information is accurate and it has to remain on my file. How is this fair reporting?
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

I am filing this complaint against National Credit Adjusters , LLC ( NCA ) for persistent violations of consumer financial protection laws, specifically the Gramm-Leach-Bliley Act ( GLBA ), Fair Credit Reporting Act ( FCRA ), and California Penal Code 530.5 . 

NCA failed to provide proof of authority showing they have the legal right to possess and share my private information with my consent. 

NCA failed to provide the required disclosure and instructions for opting out under the Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) . This violation compromises my rights and privacy under the GLBA.

NCA shared my nonpublic personal information without obtaining my consent, violating the Fair Credit Reporting Act ( 15 US Code 1681a ( d ) ( 2 ) ( A ) ( i ) ), and causing potential damage to my creditworthiness.

NCA 's unauthorized sharing of my personally identifiable financial information may constitute identity theft under California Penal Code 530.5, leading to financial injuries and potential legal consequences. 

Due to NCA 's non-compliance with the GLBA, FCRA, and California Penal Code 530.5, I have suffered significant financial injuries, including the loss of opportunities, wages, and damage to my creditworthiness. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against NCA for their repeated violations of consumer financial protection laws. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am deeply troubled and thoroughly disappointed by the unfolding situation in my credit report. It is not only highly embarrassing, but it is evident that either you or the company is responsible for reporting this inaccurate information.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was told by TransUnion Credit Bureau back in XX/XX/XXXX that I could not freeze and unfreeze my credit using my pin number that I created because they no longer use that method. I had to answer questions about my file in order to freeze and unfreeze. In XX/XX/XXXX I tried to obtain credit, but my Transunion Credit Bureau report was frozen. Therefore, I had to call them to unfreeze. I was then told that I had answered verification questions too many times that I could not unfreeze my credit. I became frustrated that I could not unfreeze my credit report. On XX/XX/XXXX, received a call from a Transunion Representative who said that I had to send a letter stating that I need maintenance for my credit file. Include a copy of my identification and social security card and File XXXX XXXXXXXX and mail to their office. The representative stated that by doing this, this will enable me to freeze and unfreeze my credit report online. Well, I did as the representative told me to do on XX/XX/XXXX. I received a letter from Transunion on XX/XX/XXXX, stating that Transunion is unable to process my request, or my request was illegible. I called Transunion on XX/XX/XXXX, and told a representative of my problem. She had given me a new case number XXXX and said that someone will call me in 5 business days. Friday XX/XX/XXXX, I received a credit report from Transunion that I did not request. I still have not received a phone call nor have not been able to obtain credit due to the freeze on my report as of XX/XX/XXXX. Also, as of XX/XX/XXXX, I am not able to freeze/unfreeze my credit file online as promised.
Consumer complaint received 2024-06-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Medical Data Systems, Inc. (AZ)

I live in Arizona. I received a call at XXXX XXXX  my time. My caller ID stated that it was a toll free call. I didnt answer. The caller left the following voice message that was transcribed by my phone as, This is XXXX medical revenue service this communication is from the debt collector this is an attempt to collect any information obtained will be used for that purpose contact me or any rep XXXX Monday through Friday XXXX XXXX  to XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Had an auto loan with Wells Fargo dealer services from XX/XX/XXXX to XX/XX/XXXX. Car loan was paid in full with not one late payment ever. Today XX/XX/XXXX, I get an alert from XXXX and XXXX that Wells Fargo reported a late payment today on this account, which has been closed for 2.5 years now, and on my XXXX report is showing the status of the loan open as of XX/XX/XXXX. I called Wells Fargo who claim they never reported any late payments and show the account as paid in full closed as of XX/XX/XXXX. This is highly unethical and unacceptable behavior from Wells Fargo and who ever is in charge of their accounting department. To be this careless and wreckless with customer information as to be reporting negatively on paid in full CLOSED accounts. This problem needs to be fixed immediately.
Consumer complaint received 2023-08-07
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 XXXX inquiries on my credit that were done without my consent. I have contacted the credit company Equifax to remove them since XX/XX/XXXX but they refuse to do so. Please help. 
Date of reporting : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (SC)

Unfortunately, this was years ago. Wells Fargo sent me a check last year for XXXX. Cashed it due to financial situation. Don't understand how this fixes the hole they put me in. My fight was to get another vehicle to continue working as to continue bringing income in. Had no way or time to stand for my rights. Not looking to be greedy. But that which they've given me does not help with my credit status and further debt due to the reposetion. Thank you for your time and assisting in helping those of us who can't do so. 
Thank You, XXXX XXXX XXXX