davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft someone has used my information to obtain and attempt to obtain new credit without my consent/authorization or knowledge. And I demand that these fraudulent accounts be blocked and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX 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 2024-06-27
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (FL)

Since XX/XX/year> i enrolled by mistake in the big Scammer company as i ever see in my life Freedom Debt Relief ( XXXX ), and they call me every single day to offer me consolidated my debts to save about a 50 %. Now when i revised my dedicated account after XXXX moths and made a deposit of {$15000.00}, and the remain balance of my debt enrolled of {$17000.00} in XXXX enrolled debts, and XXXX resolved for {$11000.00} with XXXX upcoming of {$4800.00} the number are different from the beginning offer with {$21.00} fees, then increased at {$31.00} but they hide to me the scam and charge me every settlement with a fees biggest of the amount they said as reduction to date of {$6200.00}. 
im feel very upset how this delinquent and thief company cheat the people and stole very easy the fund to delay the process and XXXX the credit of the clients because of their deceive practices. the number are clear on the attached documents i want they close my dedicated account and reimburse to me all the marked settlement fees stolen total {$2100.00}, they cheat on me like a fool and never advised me about this scam, now my debt is bigger from the beginning so i want the government help me to resolve this fraud. 
thanks
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX is not reporting my 100 % on time payment for my car payment to XXXX and Experian. They refuse to report on those to credit bureaus. So there is a XXXX point difference between the 3 reporting bureaus.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I contacted Experian by mail and on XX/XX/2021 they were contacted by phone regarding a fraudulent account. This company attempted to place this collection on XXXX six months prior and I provided documentation showing a police report had been filed surrounding identity theft. The item was deleted and now it has reflected on Experian.
Consumer complaint received 2023-12-07
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-07-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Bureau, Inc. (FL)

Last year XXXX, A random lady showed up at my house in FL harassing and screaming my name in my neighborhood. My husband heard it he came outside lady gave him eviction papers from XXXX. This a debt I have been disputing for years. And it finally dropped off my credit. So wondering how this lady even found my new address and since not on my credit I disregard the eviction papers. Now XX/XX/XXXX I get a call asking me to confirm personal information since I'm thinking this is a scam especially with how rude the lady is on the phone I ask her to send me information about this. I wake up XX/XX/XXXX to a notification collection added on your credit from XXXX. I want this removed off my credit as it previously was and these people to stop harassing me
Consumer complaint received 2023-12-07
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. (SC)

Disputed this account several times, also sent in a police report, identity theft report and letters from the creditor stated this account was a result of fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was sold to XXXX XXXX XXXX which was deleted XX/XX/2023 they sold this debt but still the account XXXX XXXX XXXXXXXX is still reporting. 

Please see attached letters from creditors. 

Thank u
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I'm giving you XXXX more chance to handle my request regarding the identity theft event. If I don't follow through on this, I'll be forced to take legal action in court and hold you accountable for the harm you have done to my credit, reputation, and emotional distress as a result of this. It's very likely that the real material facts will come to light and you'll be made to pay for your carelessness. 

I request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I would like to bring to your attention the accounts on my credit report that are inaccurately marked as having a collection/charge-off status. This is in spite of my consistent track record as a responsible and long-standing customer with a history of making on-time payments.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX  only and authorized for my credit to be pulled once. Please see the attached documentation.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-11
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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: CITIBANK, N.A. (IL)

On XX/XX/XXXX of this year I was notified via email and text about potential fraud on a Citi credit card. I contacted Citi 's fraud department and told them I never activated the card and I did not make the purchases from XX/XX/XXXX and XX/XX/XXXX. 

Citi cancelled the card and issued a new one while they were investigating the purchases. Citi 's " investigation '' consisted of them asking me if I lost the credit card or gave it to anyone in my family. I explained it was not lost and it was still attached to the paper as it was never activated and I had never been to towns listed in the transactions. The card is so old that it is under my maiden name. 

In XXXX I received a letter that I was responsible for the purchases since the credit card was not lost or stolen. I called Citi and asked for a history of the statements and transactions of the card to prove I had never used it. They could only find transactions for the fraudulent purchases. I asked how a credit could be used when it hadn't been activated and the manager of the fraud department told me good customers can make purchases without activating their card. They told me I'm responsible for the {$260.00} of charges and the only thing I could do was write a letter to dispute the charges. 

I'm truly baffled and disgusted with Citi 's response. People are encouraged to use credit cards to protect themselves against fraud. I would have had an easier time disputing these charges with my bank. The person I spoke with could not explain why the card wasn't closed due to inactivity.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (PA)

I the consumer and natural person have identified information on my consumer report that are a result of identity theft. I did not consent to, authorize nor benefit from this accounts. Please remove this accounts from my credit file. 
1. Checkr Account number XXXX XX/XX/year> 2024
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This debt collector XXXX has not provided me proper debt validation for this aged debt. Please delete this from my account.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of XXXX  trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA ()

After my mother 's passing in XX/XX/XXXX and the completion of the necessary paperwork by XX/XX/XXXX, funds from her savings account at Marcus Bank by Goldman Sachs were to be sent out to me and my siblings. My siblings in the U.S. received their checks without any problem. My check ( approx. {$40000.00} ) was to be mailed to my address in XXXX. On XX/XX/XXXX, a shipping label was created with a XXXX, XXXX, but according to the tracking info, the check was never delivered to the carrier. Since then I've contacted the bank several times asking for info on when the check can be properly sent. The bank informed me that the matter is under investigation, but as of XXXX, nothing has changed. I've received no explanation for what went wrong and no projected date for when the issue will be resolved and the check delivered to me.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fruad Accounts And Inquiries on Credit Report. 

XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX. XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX {$720.00} XXXX. XXXX XXXX XXXX {$1900.00} Inquiries XXXX. XXXX XXXXXXXX XXXX, XXXX. XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

There may be a mistake, these accounts are not mine and they may be affecting me. You can remove them. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my extreme dissatisfaction and frustration regarding the lack of response and cooperation from the creditors in validating the debt associated with the accounts listed below. This matter is of utmost urgency, and your blatant disregard for providing the necessary documentation is unacceptable. Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On Monday, XX/XX/XXXX, between XXXX ; XXXX and XXXX XXXX I tried to purchase a money order at the post office at XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. I used both my Chase debit cards and each one was declined. When I went to check my account, the money had been deducted from my account, but the money order wasn't processed. I went to the clerk again and she said that the money order was declined which is why their machine wasn't able to process it. I went back two days later to speak with her and recorded her repeating the same thing on video.

Anyway, I called and made a complaint to Chase on the same Monday to their fraud department. I was promised to have the money credited back to my account within 2-4 business days, it's been 6 days now. I called again on Wednesdays and they said it should only take 4 days at most. When I called again yesterday, XX/XX/XXXX, I was told that they would take care of it and return the money since the transaction posted. I checked my account today ( XX/XX/XXXX ) and the money ( {$1000.00} ) still hasn't been credited to me.
Consumer complaint received 2018-11-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (CO)

To whom it may concern : on XX/XX/18, I looked up a lender that would not use a credit score to qualify ( to avoid denial ). I needed a " hardship '' loan to pay rent as I didn't have income for 2 months due to losing employment. I was approved rather quickly at a 37 % loan rate and received the {$1000.00} I requested ( to pay rent/avoid eviction ). 

The XXXX XXXX Transaction was : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRN # XXXX RFB # I did not receive any loan terms documents from them within this approval process. 
Last week on Friday XX/XX/18, they withdrew a payment of {$200.00}. Today XX/XX/18, they withdrew {$330.00}. The next payment will be {$320.00}, {$300.00}, {$290.00}, {$270.00}, etc. 
This payment of {$330.00} just took my auto loan out of my checking account. Which prompted my call to them to ask what my rate was on this loan, the agent didn't know what a " rate on a loan '' even was. I asked if she can send me my loan terms. I received it immediately with the following details. 
The APR on the loan shows 666.2935 %, amount financed {$1000.00}, Finance charge {$3000.00} Total payments {$1000.00}. 

Being from a XXXX XXXX background - If I saw this, I would of looked for other resources to get out of my financial situation I was in. 

In addition to this matter, I am a single mom and this ended up putting me into more hardship than I was in prior to calling them for short term help. 

I need help as this is Pred
Consumer complaint received 2023-03-17
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)

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND MY SOCIAL SECURITY CARD TO THIS COMPLAINT. 
THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT  XXXX XXXX XXXX XXXX  ACCT # XXXX PLEASE SEE ATTACH ALL NECESSARY DOCUMENTATIONS.