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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I FILED CFPB COMPLAINT # XXXX AGAINST EQUIFAX CONCERNING UNAUTHORIZED HARD INQUIRIES ON MY CONSUMER REPORT.I did not give my written permission for anyone to access my consumer report. Pursuant to the FCRA, no one may access my consumer report without my written permission for the purpose of extending credit. On XX/XX/2022, the CFPB issued an Advisory Opinion concerning permissible purpose required to use and share a consumers credit report. The FCRA and the CFPB Advisory Opinion states that Equifax must ensure that anyone who accesses my consumer report has a permissible purpose. Equifax failed to prove that these companies had a permissible purpose to access my consumer report. These unverified Hard Inquiries are in violation of the FCRA and the CFPBs XX/XX/2022, Advisory Opinion concerning permissible purpose required to use and share a consumers credit report. Equifax must DELETE the alleged inquires immediately. 

Equifax is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaint. 

Equifax only referred my disputes to data furnishers for investigation. Equifax then engaged in XXXX, a practice of blindly adopting the response of a data furnisher without conducting any independent investigation. This is a FCRA violation.Equifax only conducted a XXXX XXXX investigation. This is a violation of the FCRA because Equifax was required to conduct their own independent investigations of my consumer dispute. 

Data furnishers, the providers of credit information, such as credit card companies and lenders have been cited in the past by the CFPB for conducting insufficient investigations. The CFPB has also cited Equifax for accepting these findings without an independent investigation. 

This ILLEGAL reporting by Equifax constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed Hard Inquiries must be DELETED from my consumer report within 5 days of receipt of this dispute.

Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate my previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received an email from PayPal stating " You authorized a payment of {$400.00} USD to XXXX XXXX XXXX '' with a description " Accommodations on XXXX XXXX I don't have PayPal set up as a Payment method in my XXXX account and I have not booked through XXXX in 2 years.
Consumer complaint received 2021-08-30
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: SUNRISE CREDIT SERVICES, INC (MN)

I was the victim of identity theft fraud. An XXXX account was fraudulently opened with my name and social security number. I learned of this because I was trying to get financing for the purchase of a home and when my lender pulled my credit report on XX/XX/XXXX my score had dropped 100 points. I learned that a debt was being collected by Sunrise Credit Services. I called Sunrise credit services and they gave me the XXXX account information and told me I had to work directly with XXXX to get it resolved. I worked XXXX, provided an affidavit and proved my identity and they were able to provide an exoneration email and recall the debt from Sunrise Credit Services. I tried to use the XXXX letter to do a rapid rescore for my credit score so I could move forward with mortgage financing. I was informed that I would need an exoneration letter from Sunrise Credit Services because they are the company reported on my credit report. I contacted Sunrise Credit services multiple times and they have been unwilling to help me get the documentation I need for a rapid rescore. I called and was frequently cut off by customer service agents, not listening to my needs and telling me they couldnt help. Every agent I spoke to gave me different information. I escalated to a supervisor and they said they would work on it and call me back but never did. I called back multiple times trying to get back in touch with the supervisor XXXX XXXX and was put on hold, transferred from agent to agent and disconnected multiple times. I submitted a dispute with them via email on XX/XX/XXXX trying to go that route to get the documentation needed. I havent received an acknowledgement or response. When I called Sunrise Credit Services asking to be transferred to the department that handled the fraud disputes, I was told they could not connect me. This fraudulent account has impacted my ability to get the rates I deserve for a home purchase. I understand the process for updating a credit report takes time. But I am just looking for exoneration documentation from Sunrise credit services that I can provide to my lender, so I can move forward with financing by XX/XX/XXXX.
Consumer complaint received 2022-11-02
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-21
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: Self Financial Inc. (MD)

On XXXX XXXX a unauthorized Purchase from XXXX XXXX XXXX was made through my Self Lender Credit card. I did not approve or acknowledge these charges. I disputed the Charges immediately after i saw the purchases to self lender over the phone. For two months i was hospitalized and was sent a letter from self lender stating the companies have disputed these transaction was accurate and with evidence stating the items was shipped to my home. Which is a not a valuable proof and these items was never sent to my home. The letter also stated i had a certain time frame to respond to this letter to dispute the company 's claims. i did not open or view these letters until i got home two months after being hospitalized. so it was past the time frame to dispute my claim. I sent the dispute in anyways along with stating i was hospitalized and was unable to respond in a timely manner because i was not home to receive my mail. Federal consumer law states no consumer should be held liable or responsible for fraudulent charges. after sending in my response for the claim. i received a letter that my case was closed and I have been held responsible for these charges because i did not respond in time and the companies sent proof via shipping stating packages was delivered. 
Because of this it is affecting my consumer credit report due to my my credit over 30 % usuage which has stopped me from receiving credit.
Consumer complaint received 2021-01-01
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. (CA)

I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS Tracking : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to XXXX  XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to XXXX, Delivered XX/XX/XXXX Equifax : XXXX, XXXX XXXX XXXX XXXX XXXX Tracking : XXXX XX/XX/XXXX EQ Tracking : XXXX
Consumer complaint received 2021-08-30
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. (MI)

After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

12 XXXX XXXX has been sending me collections in the amount of XXXX dollars. 
This collection has been reported past due. 
I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (GA)

BMW Financial Services continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate. 

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.
Consumer complaint received 2022-11-01
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. (NJ)

when to the car dealership to purchase a vehicle i was told they only going to run my credit with, XXXX XXXX XXXX. 
now i have multiple hard inquiries. I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-01-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX reached out to me about settling an old judgement, originally filed in XXXX. I have received countless letters from them in XXXX, offering {$2200.00} to settle a {$11000.00} debt with American Express. Unfortunately, at the time ( XXXX ) I was unaware of, and never served, the judgement, so it went unanswered. 
Since XXXX, the debt has been transferred to different collection agencies. However, I received no formal notice or court doc stating that XXXX XXXX XXXX had taken over for AMEX. In fact, when I called AMEX in early XX/XX/XXXX, the rep explained that XXXX held the judgement. Then, XXXX confirmed it was transferred to XXXX XXXX  XXXX. 

Recently, my financial bank brought it to my attention that a active lien is on my property, which prevented any financial transactions, until it was cleared. I called XXXX XXXX XXXX  to discuss the account and they sent letterhead on XX/XX/XXXX requesting a settlement amount of {$2200.00}, to be paid by XX/XX/XXXX. A cashier check for that amount was XXXX XXXX received and signed by someone in the XXXX XXXX XXXX office by XXXX on XX/XX/XXXX. On that same day, after XXXX, I received an email from them stating that they can not accept the payment and insist that I call to discuss. I refuse to call them, simply because I could not trust a verbal communication with them, considering they had just reneged on a written agreement to accept the settlement payment of {$2200.00} by XX/XX/XXXX. They are not being transparent or honest. 

Between XX/XX/XXXX to XX/XX/XXXX they have ignored all my previous emails/questions and phone calls. They, also, have ignored all third party ( bank and escrow company ) emails and phone calls. XXXX XXXX  XXXX finally reached out to me via email, AFTER the cashier check was received, on XX/XX/XXXX. They were attempting to answer an older email ( dated XX/XX/XXXX ) by stating they could not talk via email, urging that I needed to call them. No mention was made of the cashier check. After I explained that I wanted a Satisfaction of Judgement for receipt of payment, is when I got the response that they would not accept my payment. It was all a ploy to coax me into to calling about an old email, just to verbally give me reasons why they won't accept the payment we all agreed to. 
Unfortunately, I have to keep using the word " they '' when referring to the person corresponding with me, because I have yet to know who is on the other side of the emails. No name was given when I have asked.
Consumer complaint received 2021-08-29
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: Experian Information Solutions Inc. (TX)

I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to Experian, XXXX  and XXXX. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.
Consumer complaint received 2021-01-01
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. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I still haven't received a response. I feel as though I'm being taken advantage of and being ignored of my disputes. 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 the items should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-11-01
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. (NJ)

when to the car dealership to purchase a vehicle i was told they only going to run my credit with, XXXX XXXX XXXX. 
now i have multiple hard inquiries. I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (NY)

I have tried to contact the company since I filed my complaint on here and now they are not responding to me. This seems illegal that a company can not communicate with the customer. Their last response was on XX/XX/XXXX. I sent messages ( sometimes a new one and not a reply ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), and now XX/XX/XXXX. Their messaging system says that messages are responded within 24 hours. Yet I have not heard back - not even a phone call - from them at all. At this point, I am refusing to pay my bill since they simply can not honor a late fee waiver from a month ago and are dragging this out.
Consumer complaint received 2021-08-30
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. (PA)

These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.
Consumer complaint received 2021-01-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (GA)

I am current with my mortgage account. However, I receive a notice from the county that my taxes were not paid and they intend to issue a Tax FIFA on my home. I contacted my mortgage company concerning the unpaid taxes and fax them a copy of the county tax notice but received no feedback on what they were going to do to rectify the matter. I called and faxed on XX/XX/XXXX, again on XX/XX/XXXX and XXXX. My taxes was due XX/XX/XXXX. I was given the run around for two weeks and still no decision was made to paid my taxes. I ended up having to pay the taxes due to prevent the issuing of the Tax FIFA. My mortgage company took my money to escrow my taxes and insurance ; and they failed to pay my taxes.