davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DP OF EDUC XXXX DP OF EDUCXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-22
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DP OF EDUC XXXX DP OF EDUCXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Commencing on or about XX/XX/2019, I fell victim to a multilayered scam operation orchestrated by Fake XXXX Account ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 

Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing their services.
Consumer complaint received 2023-08-22
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: SYNCHRONY FINANCIAL (MS)

XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No AccounXXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XXXX XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account XXXX XXXXXXXX XX/XX/XXXX No Respond I Have No Account XXXXXXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account
Consumer complaint received 2023-08-22
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. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
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. (NC)

I hereby file this CFPB Complaint regarding a fraudulent entry on my credit report, which has surfaced recently. I did not authorize or participate in this entry, and it has significantly damaged my credit score, causing severe financial harm. Although I have made considerable efforts to challenge this fraudulent account with both the credit reporting agency and the creditor involved, their response has been unsatisfactory. Despite providing compelling documentation and evidence of the fraudulent activity, this account remains on my credit report, inflicting ongoing damage on my credit score. I am convinced that the fraudulent account resulted from identity theft, and I am deeply concerned about its potential long-term consequences on my financial well-being. I, therefore, formally request that the Consumer Financial Protection Bureau investigate this matter and take immediate action to ensure that this fraudulent account is expunged from my credit report, and my credit score is restored to its previous level. Specifically, I insist that the following account be removed from my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}. The fraudulent account on my credit report comprises a credit account that I did not open, as well as various charges and loans that I neither initiated nor received. Its total amount is significant, and its impact on my credit score has been negative.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

I sent a debt verification letter on XX/XX/2023 that was never responded to. I also sent another on XX/XX/2023. 

Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt. They are in violation of my rights as a consumer and the debt must be removed. 

It claims it was opened in XXXX XXXX XXXX, but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. I have tried to resolve this calmly and rationally.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

On XXXX XXXX, 2016 I placed a security freeze with Equifax, XXXX and XXXX. After the security freeze Equifax sent me a confirmation letter with the required PIN number. When I was trying to apply for a credit card and called them to lift it, they told me that there was no security freeze on my account, and that the name on the account was not my legal name. Given that my information was already compromised by a stolen wallet and on-going criminal investigation for financial identity theft I contacted them to change the legal name and place an additional security freeze. They requested a copy of my driver 's license and social security card which I faxed over. After about 2 weeks I received a confirmation that stated the name change was complete, but the changed name was incorrect and thus did not reflect the name provided on the documents. Moreover, on the same date I placed an initial fraud alert, and got a letter confirming it, they also later denied the placement of the fraud alert even though it is visible in the other credit bureaus and I received a confirmation letter. They still have n't gotten back to me about the additional security freeze and fraud alert and whether my information was accessible during the time in which I thought I had a security freeze. By providing the police reports I was able to place an extended 7 year fraud alert with XXXX and XXXX, but there still is no confirmation letter from Equifax. They are unhelpful about providing me information unless I buy their products, and when I try to I ca n't buy it. So far none of these issues have been resolved.
Consumer complaint received 2023-04-26
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. (SC)

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit
Consumer complaint received 2023-08-22
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I am reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (MD)

Southwest Credit collections made a payment arrangement with me in XX/XX/XXXX with preauthorized ACH payments for a XXXX debt I had after a divorce. The payments so far have been made on time and accordingly. When setting up arrangements I asked if this would impact my credit since I am satisfying the debt. The representative assured me since it was being taken care of and satisfied, then it would not be reported. The payment arrangement was 3 equal monthly payments totaling the amount owed, starting XX/XX/XXXX, with a final payment date of XX/XX/XXXX. When I checked my credit report in XX/XX/XXXX after the first payment, the agency had reported the debt. I called the agency to clarify there was payment arrangements made on the account and that I was told there wouldnt be any report to my credit. The agency said it wasnt there problem and they couldnt do anything about me getting false information. I had to pay it in full and they still wouldnt remove it from my credit even though they mistakenly did report it. Now my credit has gone down even further while Im trying to refinance my home to be more affordable after recently being divorced and being unemployed for almost a year. I finally am employed and am financially stable, so this has prevented me from making future adjustments because of the negative effects it had on my credit.
Consumer complaint received 2023-08-22
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. (FL)

This is one of my numerous 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. Please delete these accounts ASAP.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my account and noticed that my account was in a derogatory status, when the account was settled for less and satisfied before the date of charge off. 

Account Number XXXX
Consumer complaint received 2017-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (KY)

I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off my credit report.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

Hi. I qualified for the signup bonus on the XXXX XXXX XXXX XXXX in XXXX. I was supposed to received the points in XXXX. Nothing. I opened a case. Nothing. I have direct messages from them confirming I met the purchase reqirement.
Consumer complaint received 2022-12-04
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. (CT)

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-22
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. (TN)

On XX/XX/XXXX, I submitted a dispute for an inaccurate account furnished with Experian from the company XXXX XXXX and it came back updated the same day with no changes made. Experian opened the dispute on XX/XX/XXXX, and then it reported back the same day XX/XX/XXXX " Updated ''. I disputed the fact that the account has been closed since XXXX of XXXX, but the account was still reporting activity every month up until currently. From my understanding once an account is closed that should be it, but if the creditor is still furnishing information on the account on a monthly basis wouldn't that be considered re-aging or even fraud? For the most part the account balance is reporting incorrectly. The Fair Credit Reporting Act stated in 15 USC 1681e ( B ) 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. The only thing Experian has done was falsely " update '' the account. Nothing changed.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX 2023.I filed a claim with bank of america edd card services.I never received my card.Bank of america told me that within ten days I would received a temporary credit.I have not received anything.Its been over ten days.When I called today to ask about the credit the person at Bank of america told me that my claim was still pending.Bank of america is suppose to give a temporary credit when fraud is involved.I haven't received any money.
Consumer complaint received 2023-08-22
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. (CA)

I'm a victim of Identity theft. I have fraudulent inquiries on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please see my identity theft report and documents in the attachments.
Consumer complaint received 2023-08-22
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. (NY)

Please see Theft Report. 
Note that I have mentioned this request is not made in error, it is not a misrepresentation nor did I receive any material goods as a result. 

The furnisher XXXX has refused to furnish requested information that is used in verifying these fraudulent accounts that I did not authorized. Attached are evidence that twice I have requested documents to no avail.
Consumer complaint received 2016-12-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Again I just received today XXXX XXXX. XXXX a letter from Nationstar asking me to fill out an application for Making Home Affordable Modification Program. 
I can not remember making any inquiry about Making Home Affordable Modification Program. The only Making Home Affordable Modification Program I ever asked for was in XXXX which is HAMP Loan Modification Program and is yet to be resolved. Again, Nationstar is trying very hard to steer me away from the HAMP Loan Modification Program to entirely different program I did not ask for. This has been their scheme since XXXX. See attached the letter.
Consumer complaint received 2023-08-22
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. (FL)

Since XXXX of 2023 I have been trying to get in accurate information removed from my credit report. I even noticed inquiries on my report that I did not recognize and told every representative I spoke to and nothing. For over 3 months I did not hear a thing. Whenever I call the automation software could not verify my information and would constantly end the call. After a month I finally got through to a representative and she herself could not verify my information. She repeatedly told me information that should be correct about myself were inaccurate. Which then she escalated the call to a supervisor, who also had a hard time verifying me but finally succeeded. Upon succeeding I decided to login to my account and it states that I have limited use of the website due to verification issues. I then would call repeatedly and almost weekly to attempt to remove these discrepancies and update the information on my report. To no avail I get the same repeated script from every single representative. It has now reached 6 months of no progress. I know each call is recorded so the proof is also in our conversations.
Consumer complaint received 2023-05-06
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XX/XX/23 i sent experian a dispute to remove incorrect information showing on my credit report. They have yet to respond and fix the issue in regards to this matter. They also seem have ignored my request.