davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (OK)

Never received any type of notification of this debt or I would have paid it. this debt should never have gone to collection. I never received any statement from XXXX XXXX ( in fact have never heard of them ) and never received a statement from XXXX XXXX either
Consumer complaint received 2018-09-15
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 took six weeks to notify the public after finding out about the breach. Even then, the site that Equifax set up in response to address questions and offer free This is the THIRD BREACH AND SECOND TIME EQUIFAX has raised the number of consumers affected since it first reported the hack.incomplete, confusing and contradictory statements, '' and failed to answer the " precise extent of the breach. '' with no cure of the problem. 

EQUIFAX maintained a separate Database for the Product the PII that was compromised. That Database had different Protocols, different Security, and was not maintained as the Database for Clients and Employees. 

The Consumer Database had no remediation plan and YET THE EQUIFAX CUSTOMER DATABASE HAS UPDATED AND A SECURE PORTAL. EQUIFAX WAS GROSSLY NEGLIGENT AND THEY SHOW A GROSS VIOLATIONS OF COMMON SENSE AS WELL AS A GENERAL DISREGARD FOR CONSUMERS. 

I HAVE EXPERIENCED SEVERAL ID THEFT AND ID THEFT ACTIVITY CONCERNS ON MY CREDIT REPORTS, INCLUDING WITH EQUIFAX WHO REFUSES TO REMOVE THE ERRORS OR ISSUES. 

IRS SCAMS AND FEDERAL RESERVE BOARD SCAMS A CLOSED XXXX XXXX   ACCOUNT DUE TO THIS, IMPACT ON MY CREDIT RATING AND DENIAL OF CREDIT. NO REMEDIATION WITH ALL THE WORK LEFT TO THE CONSUMER TO SCRAMBLE REPORTS, PHONE CALLS, FAXES, CERTIFIED MAIL LETTERS. THEN TO REPEAT TO FOLLOW UP AGAIN TO ASSURE A CHANGE " MIGHT '' BE MADE IT IS CONTINUOUS AND SATURATED INTO EVERY PART OF A CONSUMER 'S LIFE. 

THERE IS SHAME, GUILT AND STRESS, ANXIETY, AGGRAVATION A GENERAL NEVER ENDING EMOTIONAL ROLLERCOASTER OF DUE DILIGENCE FOREVER. THE HARM IS ENDLESS AND COSTLY WITH NO COMPENSATION FOR MY TIME FROM EQUIFAX WHO CAUSED THE PROBLEM. NO PENALTY FROM THE CFPB OR OTHER AGENCIES. EQUIFAX STATES '' FRAUD IS A HUGE GROWTH OPPORTUNITY FOR EQUIFAX '' SO GENERAL GREED AND PROFIT WITHOUT CONSEQUENCES. EQUIFAX DID NOT SPEND MONEY OR TIME ON THE CONSUMER DATABASE DUE TO COST AND SHARED UNENCRYPTED XXXX SHEETS OF CONSUMER INFORMATION, A TOTAL DISREGARD AND ABANDONMENT OF ANY RESPONSIBILITY. DO YOU HAVE MY CONSENT TO USE MY PI INFORMATION? NO. THEREFORE YOU ARE INCREASINGLY MORE RESPONSIBLE TO SETTLE THE HARM THAT WAS CAUSED WITH A FINANCIAL CURE. THE COST OF DOING BUSINESS IS A TWO WAY CONCEPT AND THE DAMAGE SHOULD BE SHARED. THERE IS NO EVIDENCE BASED DEFENSE EQUIFAX CAN PROVIDE AS THEY ARE GUILTY OF CRIMINAL BEHAVIOR, GREED, CORRUPTION. A DISREGARD OF THE SEC GUIDELINES, LYING TO THEIR SHAREHOLDERS, THE SENATE AND OTHER AGENCIES. THE CONSUMERS ARE NOT ON THE LIST DUE TO THE RESPONSE AND CONSIDERATION " NOT '' PROVIDED TO CURE OR MAKE WHOLE THE INDIVIDUAL. THE ENUMERATED FEDERAL CONSTITUTIONAL LAWS THAT WERE VIOLATED INCLUDE THE RIGHT TO SELF DEFENSE, THE RIGHT TO EQUAL PROTECTION, THE RIGHT TO PRIVACY ALL PREVENTED BY EQUIFAX " ACT OF TRUTHINESS ''
Consumer complaint received 2024-02-24
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. (CA)

Upon checking my credit report I noticed Experian added a new collection to my credit report by XXXX XXXX XXXX XXXX XXXX account number : ( XXXX ) but this account was charged off with original creditor XXXX XXXX XXXX  aka XXXX XX/XX/year> account considered 1099c cancelled debt to be filed on taxes my credit report even show I owe {$0.00} balance for this account. Several months later down the road the collection agency XXXX XXXX attempts to collect on a 1099c cancelled debt account and reporting this as a duplicate account because its already being reported on my credit report by XXXX XXXX XXXXi aka XXXX account number : ( XXXX ) please remove duplicate accounts this is not lawful thank you!
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer credit information is collected, reported, and used. While the FCRA does not specifically address inaccurate charge-offs, it provides certain protections and procedures that can be relevant when disputing inaccurate information, including charge-offs, on your credit report. Here are some key provisions of the FCRA that may apply : XXXX. Accuracy of Information ( Section 607 ) : Credit reporting agencies ( CRAs ) are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. If you believe that the charge-off information reported on your credit file is inaccurate, you have the right to dispute it with the CRAs. 

XXXX. Investigation of Disputed Information ( Section 611 ) : When you dispute inaccurate information on your credit report, the CRAs must conduct a reasonable investigation into the matter. They are required to contact the creditor that provided the information and request verification or correction. The investigation should be completed within 30 days, although there are exceptions for certain circumstances. 

XXXX. Reinvestigation of Disputed Information ( Section 611 ) : If you are dissatisfied with the outcome of the initial investigation or if the inaccurate charge-off information reappears on your credit report, you have the right to request a reinvestigation. The CRAs must conduct another reasonable investigation and provide you with a written response within 30 days. 

XXXX. Obligation to Correct or Delete Inaccurate Information ( Section 611 ) : If the CRAs find that the reported charge-off information is inaccurate or can not be verified, they must promptly correct or delete it from your credit report. They are also required to provide you with a free copy of your credit report reflecting the changes. 

It's important to note that while the FCRA outlines these rights and procedures, it does not guarantee that inaccurate charge-offs will be removed from your credit report. The outcome of a dispute depends on the results of the investigation and the accuracy of the information reported by the creditor. It may be helpful to gather supporting documentation and evidence to strengthen your case when disputing inaccurate charge-off information. 

If you encounter challenges in resolving the issue through the credit reporting agencies, you may consider consulting with a consumer law attorney or contacting the Consumer Financial Protection Bureau ( CFPB ) for further guidance and assistance in asserting your rights under the FCRA.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I sent {$500.00} through XXXX using my Wells Fargo checking account to someone that was supposed to send me TV speakers. I did some research on the number I was speaking with after I submitted the transfer and noticed a few web pages pop up saying they were scammed by the same phone number for different items. I immediately called Wells Fargo to report the scam and they said there was nothing they could do since I authorized the transfer. I also reached out to the scammer but of course they did not answer any of my calls or texts. I filed a police report the same day I submitted the claim to Wells Fargo just in case Wells Fargo needed it for their investigation but they never asked for any of that information. The bank said they would open an investigation and I was sent a letter a couple of weeks later saying that there is nothing they could do and that I should reach out to the scammer to ask for my money back ( great advice Wells Fargo ). I called Wells Fargo again today, XX/XX/XXXX to see if I had any other options or if they were able to use the information ( name and phone number ) provided to me for the XXXX transaction to possibly get in touch with their bank but Wells said they do not go that far and again recommended I reach out to the scammer for my money back.
Consumer complaint received 2023-01-17
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. (TX)

My concern is that as a Federally Protected consumer under title 15 Chapter 41 I am being violated. Pursuant to 15 USC 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.
Consumer complaint received 2020-01-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

first loan by bayview loan services went up to 3 % XX/XX/XXXX to {$720.00}, then in XX/XX/XXXX went up again rate 3 % {$780.00} called no help try to get another mofification said no credit score to high -- -- i turned XXXX in XX/XX/XXXX as of XX/XX/XXXX i am no longer to pay school tax faxed info over 5x 's XX/XX/XXXX-also in XX/XX/XXXX i got another home insurance company info was called and faxed info lower insurance. called twice to bayview sence XX/XX/XXXX no help still say i need to pay XXXX by XX/XX/XXXX claim it takes over 30days i  think they just want more money i try to speak to several people still no help say do not know about info..i will also reort to the XXXX.i have had nothing but problems with company they did help twice over 10yrs still need help.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

This is an ongoing issue that originated with XXXX after I closed an account in person. The account was not properly closed, which was a bank error resulting in charges to myself. I made relentless attempts to resolve this matter, and now the debt has been forwarded to a collection agency.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-07
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. (GA)

This is my 1st 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, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXXXXXX Balance : {$19000.00}, XXXX XXXX XXXX  XXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to urgently bring to your attention the ongoing issue of fraudulent items on my account with Credit Bureaus. Despite my initial report and the subsequent acknowledgment of fraudulent activity, I am dismayed to inform you that a second attempt to address this issue is required.

The unauthorized transactions on my account continue to cause significant distress and inconvenience. I understand that these situations can be complex, but it is crucial that swift and effective action is taken to rectify the matter.

I appreciate the efforts made after my initial report ; however, the persistence of fraudulent items necessitates an immediate and thorough investigation. I insist on a comprehensive and expedited removal of all unauthorized transactions from my account.

I kindly request a detailed update on the progress of this second attempt, including the specific actions being taken to ensure the swift resolution of this matter. Additionally, I urge you to communicate the preventive measures being implemented to safeguard my account against any future fraudulent activities.

Given the urgency of this situation, I expect a resolution within the shortest possible time frame. Please understand that the delay in addressing this matter not only exacerbates the financial impact but also raises serious concerns about the security of my account.

If this issue is not resolved promptly and to my satisfaction, I may have no choice but to escalate this complaint through regulatory channels and explore other avenues to protect my rights as a consumer. I am asking for your immediate assistance to remove the fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03
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: EQUIFAX, INC. (FL)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DC)

Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with XXXX, Experian, and XXXX. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with XXXX, Experian, and XXXX for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter. 


I have also took the liberty of writing United States bankruptcy court here in Washington DC and they say they do not provide no information concerning individuals which I have attached Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Experian website and phone service doesn't work. 

On Website : I tried to create and account and got an error. The system did not tell me why there was an error. I was unable to proceed. 

Calling on phone : I was able to easily freeze my credit file. 
Calling on phone : I called back to un-freeze my account. The system told me I needed a " PIN ''. I did not receive a pin when I froze my credit file. There was a voice prompt asking me : " Do you want your confirmation number? ". Maybe this is my pin? There was no indication on the voice prompt that I needed this confirmation number to unfreeze my credit report. 

Website : I though maybe I had already created an account. So, I chose the " find account username option ''. I put in my email and requested the process to find my username. NOTHING CAME TO MY EMAIL. 

On Phone : I called in to speak with someone, but it was EXTREMELY Difficult to get a live person on the phone. Everytime I chose an option, the phone system kept directing me to the website or a mailing option. It said, " we know you want to speak with a person, but you need to tell us why ( basically ). '' Then, when I chose the option " reset account '' or " find PIN '' it directed me to the website or a process on the phone. NOT A PERSON. 

On Phone : I chose the option " Member services '' and, lo and behold, I got someone. I presume this is because this can be a PAID SERVICE. The person I spoke with needed to identify my identity. 

Verifying my identiy : XXXX of the identify questions was : What is XXXX of your license plate numbers. I don't know if this is a legitimate part of the verification or not. If it is, it is a rediculous question. We have XXXX cars and none of them are with me now at my desk. Also, a license plate number is nowhere part of a credit profile and should not be a question regarding credit verification. 

I was able to get through my verification process and the agent says they sent me an email to reset my password. It has not arrived yet. Hopefully, it will. We'll see.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX