davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. please remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I suspect that a debt collector has intentionally re-aged my debt. This is a XXXX XXXX XXXX debt, from XXXX, that was closed and written off by the original company. Following this, it was deleted off all my credit reports. Now, years later it has popped back up and with a date of origin in XXXX. This is not remotely accurate.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (MN)

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXXXXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$21.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$31.00} ; XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$28.00} ; XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC (TN)

3-4 calls each day. Repeatedly asked to please stop calling. They continue to call 7 days a week. Currently making an effort to pay on debt. Please make them stop harassing me.
Consumer complaint received 2023-02-01
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. (NY)

I have on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$1400.00} open XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX  have XXXX fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX XXXX  XXXX fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called XXXX, XXXX, equifax about thois manner
Consumer complaint received 2023-02-18
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. (GA)

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

XXXX XXXX XXXXXXXX XXXX {$75.00} XXXX XXXX - {$140.00} XXXX XXXXXXXX - {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (CO)

AS EOS IS NO DOUBT AWARE, I HAVE REQUESTED THAT VALIDATION BE MADE ON THIS ALLEGED ACCOUNTS INFORMATION, I DID NOT REQUEST VERIFICATION OF THIS ALLEGED ACCOUNTS INFORMATION. EOS HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO YOU BY LAW. 
EOS HAS NOT PROVIDED ME WITH THE FOLLOWING INFORMATION IN THE TIME FRAME ALLOWED TO YOU BY LAW. 
THE FOLLOWING INFORMATION HAS NOT BEEN PROVIDED! 

What the money you say I owe is for.-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Identify the original creditor-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Show me that you are licensed to collect in my state-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with your license numbers and Registered Agent-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 

At this time I will also inform EOS that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS.
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

I Applied Online with a Website that Found a Lender I Could Borrow With, I Was Immediately Approved for an {$1100.00} Loan, However I " Wasn't '' Made Aware While Online Or Even When Someone Reached out To Me Via a phone call Telling Me he Was Calling Me from Lend u mo and Went Over Details of the Loan, and he Sent Me Loan Documents to Sign he said, 'But '' I Was " Never '' Made Aware While Online and During the phone call that " Lend u Mo '' Is a XXXX  American XXXX  Or that The APR Would be as Exorbitantly High As It Is Also!!!!!! Had I Been Made Aware that the {$1100.00} Loan I Was Approved for Would Result In My Repaying Lend u Mo {$5000.00}, I Would Had " Immediately '' Had Canceled the Loan. I'm Aware that My Credit File Isn't Great Or Even Good " But '' To Be Taken Advantage Of " Because '' Of this Is Wholly Unfair and Deceitful!!!!!
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (OK)

On XX/XX/2022 I applied for a XXXX card because credit karma said I was approved and I sadly was denied. I would like to join the lawsuit because it is wrong and misleading. XXXXam an honest working mother trying to build my credit to buy a home and it took points and 2 to 3 years to have it removed
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I have two XXXX XXXX accounts that have not shown on my credit report and it affecting my credit rating. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX and was told they are reporting on the XXXX of each month yet I do not see the entry of any of my reports.
Consumer complaint received 2023-02-28
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. (CA)

I reviewed my credit report and the accounts that I have forwarded for verification have not yet been verified, please verify these accounts XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$420.00}
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (CA)

On XX/XX/XXXX, I signed up with XXXX XXXX from XXXX XXXX, which represents Freedom Debt Relief. She did was not explain in detail the fees Freedom Debt charges after specifically asking Ms. XXXX about how does Freedom gets paid. She advised me that Freedom only takes 25 % from the deposits that were made. 

Even after speaking with numerous customer service reps and even after a customer service rep that I contacted on XX/XX/XXXX, regarding one of my accounts being negotiated ( XXXX XXXX ), still did not explain that this account was being charged {$1100.00} alone which is 21 % of how much the loan was negotiated and I had numerous accounts that was going to be negotiated. 

On XX/XX/XXXX, I spoke with XXXX XXXX on the information and advised and from what the previous customer service rep advised to me, regarding my fees on each account that Freedom charges on each account that is negotiated. That is when I have decided to cancel my Freedom account due to not given proper detailed information that I asked for even after I specifically asked for, which kept me from making a sound decision of my options with freedom. 

On XXXX/XXXX/XXXX, I requested to cancel my account with Freedom and refund my deposit of {$910.00}. My payments were deposits and deposited into a holding account, therefore my deposits are entitled to be refunded back to me. XXXX XXXX advise my deposits will not be refunded and on XX/XX/XXXX, advised my Freedom Account will be closed. Freedom Debt wasted my time and my debts went into default therefore I had to file for bankruptcy.
Consumer complaint received 2023-03-09
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. (CA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2023-02-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX ACCOUNT WITH A RECENT 150 DAYS LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT, THIS SHOULD HAVE NOT BEEN REPORTED.
Consumer complaint received 2024-03-13
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-13
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)

I am writing to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to rectify late open accounts associated with my financial profile, as well as the prompt removal of a public record from my credit report. The persistence of these issues is causing significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The late open accounts and the presence of a public record on my credit report are adversely impacting my creditworthiness and overall financial stability. Despite my repeated attempts to address these inaccuracies, they continue to linger on my financial records, hampering my ability to secure loans, credit, and favorable interest rates. 

I initially brought these matters to your institution 's attention and since then, I have made numerous diligent attempts to have them corrected. However, my efforts have been met with repeated denials and delays, exacerbating the negative impact on my financial well-being. 

I urgently request that your institution takes immediate and effective action to rectify these issues. Firstly, I expect a swift review and correction of the late open accounts associated with my financial profile. These inaccuracies must be promptly removed from my financial records to ensure the accuracy of my credit report and restore my creditworthiness. 

Additionally, I request the prompt removal of the public record from my credit report. This item is inaccurate and unfairly tarnishes my credit history, and its removal is essential to mitigate its adverse effects on my financial standing. 

I understand the importance of accurate and up-to-date credit reporting, and I trust that your institution values its customers ' financial well-being. Therefore, I urge you to prioritize the resolution of these issues and to take proactive measures to prevent similar inaccuracies from occurring in the future. 

Please maintain open and transparent communication with me throughout the resolution process and provide regular updates on the status of my disputes. With this, I am asking for your assistance to remove or correct these items in my credit file : XXXX. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. XXXX XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (GA)

On XXXX/XXXX/24 I sent {$2400.00} via wire transfer from my XXXX XXXX account to Robinhood Financial LLC. To date they still have not post the money and have refused to reply to XXXX wire recall request. They keep giving me the run around by keeping me on extreme holds to transfer me from the app to email with different representatives asking the same questions, providing no solutions, seeming to have been stealing money or hoping to be able to steal mine
Consumer complaint received 2022-05-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX I sent to all XXXX bureaus FTC affidavits and notarized form of identity theft, and the bureaus in response sent letters and the information along to all the questionable things on my report. Contrary to the law, capital one has instead of blocking their reports, went ahead and now sold the information to a credit collections agency when it is illegal to sell information reported as fraudulent particularly when an investigation is pending. I want this information properly blocked and removed from my reports.
Consumer complaint received 2015-06-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC (WI)

I purchased a vehicle from JD Byrider XXXX/XXXX/14. Yesterday I went to trade in the vehicle for a newer truck. The dealership informed me that my vehicle was only worth {$2000.00} and that the pay off for the loan was {$8800.00}. This seems way off. I trusted the dealership and the finance company because they are affiliated with each other. I feel that they took advantage of me and I am stuck with a vehicle where I owe 4 times what the vehicle is worth. Further more when I contacted the finance company last night and asked for a hard copy of the pay off I was told they do n't have that in a hard copy. I threatened them by asking them where I was to send a sopena to get this information. She reluctantly sent me a copy of the general ledger.
Consumer complaint received 2023-02-28
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. (PA)

On XX/XX/XXXX I contacted crefit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at XXXX stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.