davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (PR)

THIS COMPANY XXXX XXXX XXXX DOES NOT HAVE AUTHORITY AND OR LICENSING AS A DEBT COLLECTOR IN THE COMMONWEALTH OF PUERTO RICO THEY SHOULD NOT BE REPORTING SUCH DEBTS AND OR ACCOUNTS AS THEY DO NOT COMPLY WITH COMMONWEALTH OF PUERTO RICO DECREE # 6451 LAW # 179 OF XX/XX/XXXX AND LAW 170 DATED XX/XX/XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

Equifax has made an error and placed a number XXXX  at the end of my name. 
i.e. - XXXX XXXX XXXX It shows as that name on the dispute reports under personal information. Because of this error in my name, the system is producing error codes and not pulling my credit information. 

I've sent in on 3 occasions my ID, proof of address, ssn card, with no luck. 

My phone number is also incorrect XXXX is wrong. 

Update my number to XXXX
Consumer complaint received 2023-12-19
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (DC)

On XX/XX/2023, I received a email from my schools email stating that there was an approved job offer. I applied for the job thinking it was legit. The person emailed me back with information regarding the job. He stated that he works with a charity amoungst a lot of other stuff. He sends a check to my house and tells me to cash it then says I have to send the money to a lady. I didnt think anything of it because it came from my schools email. Next day I look up I am {$2400.00} in debt and I have been contacting the man but he has blocked me
Consumer complaint received 2023-08-27
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. (SC)

XXXX XXXX share my personal information with a third party without my authorization. 

They have also voilated my consumer rights granted by Congress. 

15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted immediately.
Consumer complaint received 2023-12-19
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. (FL)

Due to Equifax data breech I believe my identity was stolen. For the past months I have been going back and forth with Equifax regarding the unauthorized inquiries made on my report such as XXXX XXXX business banking and XXXX XXXX. The staff has been very rude and unwilling resolve this issue. I have sent the proper documents to this company such as my FTC report, XXXX letter, and Identification several times, however, they deny my claims and informed me to resend the same documents again.
Consumer complaint received 2023-06-08
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. (LA)

I was trying to buy a house and I realizes that I had damage on my credit reporting according to the 15 USC 1681S-2 ( F ) reporting information during COVID-19 pandemic accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contact, or any assistance or relief granted to consumer who affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. Covered period ended on XX/XX/XXXX you have 120 days after XXXX XXXX. 

Please fully verify the information below. They have been marked as late. Please remove any inaccurate information from my credit report as quickly as possible. Here are the items that I am requesting a verification of Creditor Account # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE ALL EXTRA NAMES ON MY CREDIT REPORT MY NAME SHOULD READ XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-16
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. (GA)

I have been a victim of identity theft over the years after my Wallet with all my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
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: JPMORGAN CHASE & CO. (CA)

I provided XXXX with my card and they continued to charge my account repeatedly as well as multiple XXXX transactions that I or my authorized user did not authorize at all. I called JP Morgan Chase and I begged them to investigate these charges and to give me back my money. Someone named XXXX called me this morning XX/XX/23 asking me to provide my order history with instacart and I told him I had deleted my account with them because they charged me repeatedly and he asked me to reach out to them and they would be willing to give it to me. After 3 long hours, XXXX still did not provide me with ANYTHING regarding my history. In fact, XXXX was basically accusing myself and my authorized user for making these charges when I begged him to please reconsider and give me the supervisor. Instead, he continued to tell me " there was compelling evidence against me. '' He then PROMISED that a supervisor would call me within 24 hours but I just received a letter from Chase on the online portal basically telling me that all the charges are valid. This is NOT how a bank should treat their consumer. 
The letter denying my claims listed " Merchant has provided contractual agreement on this transaction. '' for every single transaction I disputed. Where is the evidence? How could you let a merchant TAKE MY MONEY without my consent and you would allow it and reward it? I demand these charges to be charged back and put back into my account.,
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX accounts on my experian credit Bankruptcy Bankruptcy Ive submitted valid verification of fraudulent accounts and these companies have not provided proof of these accounts nor validation of these fraudulent accounts. Ive submitted serval police reports and fraud report
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an ongoing issue regarding inaccurate collections accounts on my credit profile. I have previously disputed these accounts approximately 60 days ago, but they have not been removed or corrected. 

I C System {$780.00} XXXX XXXX  {$520.00} I believe that these inaccuracies are adversely affecting my creditworthiness and financial standing. Despite my efforts to rectify the situation through the dispute process, the collections accounts persist on my credit report. 

I kindly request your assistance in investigating this matter and facilitating the prompt removal of the inaccurate collections accounts from my credit profile. 

Your prompt attention to this matter is greatly appreciated. If you require any further information, please do not hesitate to contact me.
Consumer complaint received 2016-01-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST MORTGAGE CORPORATION (TX)

To whom it concerns, my husband and I tried to purchase a home and have been deeply hurt. XXXX XXXX XXXX was our Realtor and Mortgage and XXXX XXXX was the Broker ( XXXX XXXX XXXX XXXX XXXX ) ( although we never met the Broker ). We proceeded to follow through with the contract ( XXXX XXXX XXXX Tx XXXX ) and put up the honest money {$1000.00} to XXXX XXXX. On the contract it stated that its not subject to buyer being approved for finance and it does not involve FHA or VA Finance on page XXXX # XXXX fin. a and d ; This was a FHA loan. We had to give additional {$1000.00} to the sellers made out directly to them and {$200.00} option fee made out directly to the sellers ( XXXX XXXX XXXX, XXXX XXXX XXXX ). The house was inspected {$350.00} and it passed inspection. We ask our agent to make sure that we get our money back if things do n't work out and please do n't let any time lapse. He assured us of this and in returned he stated that the sellers requested and additional {$1000.00} made out to them because underwriting was taken too long and it would go over the time. XXXX XXXX came to us and told us we were not approved and that we also lost all of our money. He then put a contract on another house XXXX XXXX XXXX XXXX XXXX, Tx XXXX ) where we had to put down honest money of {$500.00} with XXXX XXXX XXXX ) and {$100.00} option fee and to have the inspection done within 5 days which cost XXXX the first time and an additional {$200.00} the second time because the house did n't pass inspection because there were no fire detectors in each room which we had to purchase and put in before they could move forward. I really feel that we have been taken for our hard earned money and the Realtor, Broker and Title Companies are all bogus. I really feel no one was honest and had our best interest at heart. We as new buyers are relying on agents to be honest and explain in detail so that we have clear understanding and feel comfortable and safe with their decisions but this is one case that have us afraid to trust any agent or broker.
Consumer complaint received 2023-12-15
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)

My personal data was unlawfully sold and acquired due to my victimization in the Equifax Data Breach. I urgently request the immediate removal of these entries from my credit report. Enclosed is evidence confirming Equifax 's acknowledgment of my status as a breach victim, yet no corrective actions have been taken. Kindly assist me in expeditiously eliminating these unauthorized accounts from my credit reports. 
1. Account Name : XXXX XXXX Account # : XXXX 2. Account Name : XXXX Account # : XXXX 3. Account Name : XXXX Account # : XXXX 4. Account Name : XXXX  Account # : XXXX 5. Account Name : XXXX XXXX Account # : XXXX
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-14
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)

It has been several months since my initial contact via mail and my complaints via CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

I am writing to bring your attention to the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-04-15
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. (TX)

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 items ( A ). It is not permissible to fail to validate these reporting items 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 Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX KY XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CO)

I am a student abroad, so I filled out a form ( in-school deferment request ) and submitted it in XXXX so that I would not have to make loan payments while I'm in school. Yet I am still being charged and EdFinancial services is telling me I'm delinquent on my payments. I have uploaded the form XXXX times now and submitted contact forms to them at least XXXX times. Because I do not live in the XXXX i am not able to call them. They have been completely unresponsive.
Consumer complaint received 2023-05-19
Product: Debt collection — Payday loan 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: Capital Link Management, LLC (TX)

They called my phone, making threats and called my mom threatening to seize their property and take me to jail and seize my property. I have been making regular payments and have currently paid {$2000.00} and still owe {$600.00}. I missed one payment of {$100.00} dollars and they started calling and harassing me even though I asked could I move the payment day.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX