davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hello, while looking over my credit report I noticed The following accounts, Addresses and inquires were opened/Listed fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I also want this investigated and solved. 

Addresses i have never been associated with : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, FL XXXX, FL Accounts that were opened fraudulently without my knowledge or permission : XXXX. XXXX XXXX Account number- XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX- original creditor- XXXX XXXX XXXX XXXX Account XXXX Open date- XXXX XXXX, XXXX Inquires that were created fraudulently on my credit report without my knowledge or permission : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX- inquiry XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX- inquiry XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX date- XX/XX/XXXX XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX
Consumer complaint received 2017-05-08
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. (VA)

I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted.      XXXX , Equifax and  XXXX  : Credit Plus  XXXX   XXXX  :   XXXX   XXXX     XXXX     Equifax :  XXXX   XXXX   XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (NC)

On XXXX and XXXX, a vehicle owned by my wife and I with License plate number XXXX, traveled through the XXXX XXXX XXXX ( XXXX ). XXXX utilized license plate recognition to capture the license plate information. The original amount of the tolls was {$11.00} However, XXXX proceeded to send the statement of activity and all related correspondence about the account to an address not affiliated with the vehicle registration at the time. The vehicle was registered at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. XXXX 's correspondence was sent to XXXX XXXX XXXX, XXXX XXXX, PA XXXX. As such we never received any notice about the alleged debt. 

Instead, XXXX sold the debt to Linebarger, Goggan, Blair & Sampson, LLP XXXX XXXX XXXX XXXX, XXXX, TX XXXX ), fraudulently adding additional late fees in the amount of {$75.00} for a bill that they never notified us about. In XXXX, XXXX, A " Notice of Debt '' was received from. Linebarger Goggan Blair & Sampson, LLP - ATTORNEYS AT LAW threatening legal action over the debt. XXXX  ' ( refused to give last name ) answered a inquiry phone call about the account and rudely refused to give any additional information until I started asking for supervisors. She then proceeded to give a different address where disputes needed to be sent. 

A dispute letter was sent on XX/XX/XXXX disputing the debt based on 1 ) lack of evidence of initial charge ; 2 XXXX failure to provide 'chain of debt ownership ', and 3 ) the fact that we were never notified of the original debt ( including a copy of our vehicle registration showing the current address ). Linebarger was given 30 days to respond. 

In XXXX, XXXX XXXX 6 months later ), a packet was received from Linebarger with copies of the XXXX correspondence, all of which proved that the correspondence had been sent to the wrong address. and failing to provide the information requested and again threatening legal action. Calls to the number ( s ) provided have been met with a dizzying array of voicemails, misdirection, and outright lies ; all of which have failed to produce an answer to our queries. 

XXXX has refused to speak about the issue as they have already referred it to collections. 

To date, Linebarger has utilized the following addresses to hide their location : - XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX - XXXX XXXX XXXX, XXXX XXXX, TX XXXX - XXXX XXXX XXXX, XXXX XXXX, TX XXXX - XXXX XXXX  XXXX, XXXX, TX XXXX
Consumer complaint received 2021-05-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CT)

I was charged excess interest on my card. I was charged full interest even though I made a payment. First it was confusing what amount needed to be paid to avoid interest ( other credit cards are very transparent about this ) and then I was charged full deferred interest even though I made a payment of XXXX, which is incorrect. Please remove interest charges on my account immediately.
Consumer complaint received 2021-05-18
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: CURO Intermediate Holdings (IL)

Curo XXXX, XXXX XXXX from XX/XX/ + XXXX XXXX XXXX 

I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I would like to have an investigation opened in regard an account on my credit report that does not belong to me.I was notified through a housing counselor while attempting to purchase a home, that there is an outstanding balance for a credit card that I never had had. The counselor advised me of the negative accounts with this one in-particular being an issue. I have since rectified one and am having difficulty getting the last one laid to rest. The account in question is from Midland Funding. The amount is {$810.00}, which from my last look at my report today has occurred new amount as of today XX/XX/2021 of {$810.00}. I have have taken the liberty of contacting the credit card company once I had the name ; I spoke directly to a supervisor to get clarity on the matter. I was notified that the account was sold. I let the supervisor know that I was not aware of this fraudulent activity until recent. I would like for a fraud case to be opened on my behalf. The account I feel should be opened for more than three reasons. # 1. Inaccurate information and dates. # 2. Identity theft and # 3 Inaccurate documentation. 

In closing I would like for the CFPB to investigate please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

To whom it may concern, I have been a Bank of America XXXX since XXXX and during that time, I have enjoyed my experience with Bank of America greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the BOA credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Bank of America is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Bank of America. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Bank of America has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Bank of America is heads above the rest. I look forward to your reply.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OR)

I got a denial for XXXX Personal Loan because of LexisNexis Risk Solutions Inc. Risk View Consumer Inquiry Department This is not fair I am disputing the information reported by XXXX it is totally incorrect and going to be being removed so how do I stop these Profiling Risk solution companies to stop stop profiling me on bogus false information I am XXXX and a victim of identity theft and I demand to have this illegal practice of profiling on me to stop forever I am tired of it
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (TN)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-17
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (FL)

Several fraudulent charges were made on my Sam 's Club Mastercard around XXXX or XX/XX/2020, for a combined total of {$370.00}. This was reported in XX/XX/2020 to Synchrony Bank, the card issuer. They cancelled and replaced the card, but transferred the fraudulent charges to the new card. Despite multiple phone calls to the fraud department since then, and the filing of a fraud report form, they continue to bill me for a part of the charge, and interest. They initially falsely claimed that the charges were not fraud, and that the merchandise had been delivered to my house ( muscle building supplements, I am a XXXX XXXX XXXX woman, I absolutely did not buy this. ), but they were unable to provide tracking numbers or any carrier information, and I think they have backed down from that claim. 
Basically, this is a fraudulent charge, carefully reported to the bank immediately, and re-reported to them with every subsequent bill, and they refuse to remove the charge from my account.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, Driver 's License Number, and possibly more. They allowed a data breach to occur inXX/XX/XXXXand they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2021-05-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XXXX XXXX in a pre-recorded conversation with Toyota Financial Services Rep stated that my account was closed as vehicle was sold at a auction in XXXX XXXX, California around XX/XX/XXXX and XXXX XXXX vehicle was sold for {$20000.00}. 
I respectfully requested for a accommondation on my XXXX XXXX Act under Department of Justice and allow me to trade vehicle for another vehicle that is more affordable and make affordable payments because of financial hardships, XXXX and Covi19 Family Pandemic issues. 

I was able to take XXXX XXXX back to the dealership in XXXX, California in XX/XX/XXXX and XXXX Dealership rep checked the XXXX XXXX XXXX Value of the vehicle and it was only {$14000.00} and Toyota Financial Services didn't want to take the offer from the dealership. 

So Toyota Financial Services sent their third party Tow Truck to reposses and recover their vehicle at my place of residence and Sold it at a Auction in XXXX XXXX, California. I had some personal things in the vehicle trunk that I spent about {$200.00} worth of tools, Car jump cables, water cooler and misc.items. I wasn't given opportunity to recover my personal belongings. 

I wasn't allowed as a US XXXX XXXXXXXX XXXX XXXX to keep he vehicle and make affordable payments of {$300.00} a month until the Auto Loan is paid as I wasn't able to refinance because of my credit issues during XXXX Pandemic. 

On XXXX XXXX I was directed to XXXX XXXX XXXX XXXX in XXXX, Idaho, and spoke to a rep XXXX XXXX  and she asked me for my Social Security and Physical Address and contact number information and I respectfully requested for collection company information and a fax number and I was given their information. 
Here is their address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax number XXXX XXXX XXXX XXXX XXXX XXXX Toyota Financial Services and third party collection companies has put Derogatory Negatives Remarks of collection and repossesion on my XXXX XXXX and XXXX 
I am XXXX Lifetime and Retired and my Disability Pension Retirement is protected un der Federal and State Laws and this debt of {$5200.00} is uncollectable as vehicle was sold and XXXX XXXX sold their vehicle.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-03-26
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. (NJ)

ACCORDING TO XXXX XXXX XXXX - 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 XXXX XXXX XXXX. 




XXXX # XXXX MACYS/CBNA # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2023-06-02
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. (MS)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/2020, I simply asked about a few checks on hold and when they would be released. In return, I was asked why doesnt your relatives have the same last name as you? why do you have so many relatives? Why dont you come into the bank with your so called relatives and show the bank that you really have that many relatives? Indeed, I came from a big family, a loving family that would lend me help whenever I needed it. I am proud of my last name, so does every other XXXX, we do not simply change our last name due to marriage. What did I get in return for pointing out racism to XXXX? XXXX suspended and terminated my account.
Consumer complaint received 2021-05-18
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: Bread Financial Holdings, Inc. (AZ)

XXXX. The following personal information is incorrect XXXX Date of inquiry : XX/XX/2021 Please investigate and delete from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account XXXX CARD Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc. (CA)

This is my complaint regarding XXXX XXXX Bank AKA XXXX XXXX Account number XXXX. I opened this account specifically in XXXX with my own money to better my credit since it's being reported to the three credit bureaus. My checking account was compromised With my bank by a scammer. Neither the bank or XXXX XXXX Bank AKA XXXX has notified me but the monthly {$25.00} were not received.I never received a notice in the mail that this account is not being paid. Because of the negligence of self.inc my credit report is being 90 days late reported As of XX/XX/XXXX. I am not even sure how many payments I made to This bank. They took my money and destroyed my credit and never notified me.