davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate these accounts ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$7800.00}
Consumer complaint received 2020-01-15
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. (TN)

I have previously disputed these unverified accounts with all 3 credit bureaus.. XXXX   and XXXX  deleted the accounts from my report.Equifax continues to erroneously report these accounts.I have provided clear supporting documents to the fact.I want the erroneous accounts Deleted immediately. 

Thank You.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

- This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I got an email saying my wife and I needed to sign some documents. When I called to see what it was about they said my wife ( whos been with chase for years ) was not a citizen of the US and she had to come prove it. So she did. Then, they said I had to come sign something as well. I did. They day I did they froze my account. 

I went to the branch of Chase bank where I set up the account, where after a couple hours, XXXX said he couldnt figure out what was happening, but not to worry, I could leave and he would call me by XXXX. He never did. 

The next day I went back to the bank and spoke with XXXX XXXX XXXX. She was very apologetic, but could offer no solution, and said to leave and she would call me when her business banker XXXX XXXX, was available. 

XXXX was the one who set up our business account originally and messed it up dismally in the beginning. She pretended not to be available and had XXXX call me back and direct me to go to a different branch on the other side of town and speak with XXXX XXXX, who had the solution. XXXX said if we went there, the problem would be resolved. 

Keep in mind my wife and I are running a start up business that takes a lot of time to operate. 

So, we both dropped what we were doing and drove to this other branch. We spent a few hours there with no solution once again. 

Meanwhile customers are unable to pay me and Im unable to access my business funds. 

So then comes Monday ( today ). I had several clients and meetings until XXXX XXXX when I finally made it back to Chase on XXXX, my home branch. 

I was told to wait in the lobby ( another hour gone ) until after consulting with XXXX XXXX right in front of me, XXXX came over and told me to go back to the other branch so I didnt have to wait At this same time my phone rang, and it was XXXX XXXX XXXX saying he may have a solution, but that my wife and I needed to be there together again. 

So, ad it stands, we have another appointment in an hour ( XXXX ), meaning this is the 3rd entire day weve wasted on this problem.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws.
Consumer complaint received 2020-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX   # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, TD BANK USA/TARGET CREDIT # XXXX, XXXX # XXXX, XXXX 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, XXXX XXXX XXXXXXXX / XXXX # XXXX, XXXX XXXX XXXX /  XXXX # XXXXXXXX XXXX XXXX XXXX / XXXX # XXXX, XXXX XXXX XXXX /  XXXX # XXXX, XXXX XXXX  XXXX / XXXX # XXXX, XXXX XXXX XXXX / XXXXXXXX # XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (TX)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY XXXX, EQUIFAX CONSUMER REPORT I HAVE UPLOADED MY FTC REPORT UNDER OATH THIS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681a. ( 2 )
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2020-01-12
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. (NC)

See attached documents. These accounts have not been validated pursuant to us code title 15 1692g According to us code title 15 1692e a payment is minerals, oils, natural gas.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (NY)

I received 3 voicemails today from this company on 2 different numbers that are listed to me. They were the same exact automated messages from phone numbers : XXXX and XXXX. I called the number back and it went to a Direct Recovery Services. Upon reaching a representative, they used several misleading statements that mislead me to believe that there are further consequences for not paying a credit card bill. The representative mentioned several times that she wanted to help me get into a " voluntary '' payment arrangement, which indicates the possibility of involuntary action in which this agency has no authority in doing so. 
The phone calls were automated calls to a cell phone without permission. The collector pushed for a payment today by using the word required when there is no requirement for me to get into an arrangement. The collector demanded a payment today, which overshadows the validation period of them sending me a letter and allowing me the opportunity to dispute the debt before demanding a payment today, and they verified my address so I know they have the correct address to send the paperwork to. 
President Trump has recently signed into law, the TRACED law in order to prevent these types of automated, misleading, and aggressive collection tactics and is increasing the amount of possible damages per phone call from {$1000.00} per call to {$10000.00} per call. After I already spoke to a representative, later on I received another call from a different number with the same voicemail that I already returned the call earlier that same day. Even when I do call them back, they still call repeatedly. I had more questions for the representative but she hung up on me once she figured out I wasn't believing her lies and threats and making payment today. Once there was no money, she hung up on me without even giving me the chance to finish my sentence. These collection tactics are some of the most aggressive and misleading that I've ever experienced.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (MD)

I received a {$50.00} and {$25.00} prepaid visa card for attending a timeshare presentation in XX/XX/XXXX. I went to used the card and I noticed they expired XX/XX/XXXX. I called the telephone number on XX/XX/XXXX to report that these cards were never activated or registered. The representative XXXX stated the balance was forfeited because it was not used by the expiration date. The card account information is MyPrepaidCenter.com XXXX, the company that manages the card is Blackhawk.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have continuously been disputing the way XXXX XXXX has been reporting this account to XXXX  and transunion the information has not been validated by credit reporting agency. I request that information be validated by the credit reporting act which is my right under section 609,611,623 at the moment we are under litigation with lender and no out come has been resolved. Amount due, ownership of debt, and verification of obligation has not been sent or validated. I have sent certifed letters requesting a proper investigation be completed and spoken to many people in XXXX  and transunion I formly requested how the investigation was done, who validated, and what proof was submitting. Which in all cases my concerns were ignored. I sent 2 certified letters in which my concerns where not addressed. The information posted Report NumberXXXX on XXXX. Resently I sent another certifed letter and no response has yet to be acknowledged.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (UT)

LVNV Funding is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Neighborhoods United, LLC (IL)

I had surrendered the property in XXXX to the initial mortgage company only to find out that the loan was sold over and over again. I began to notice that I started to receive tickets for the upkeep and abandonment of the property through the city and later found out that the property was still in my name. through research from a property search, I was provided the new mortgage company information and attempted to obtain some form of resolution for the next 2 months with being put through a cat and mouse game. I had tried to sell the property but was unsuccessful without the release of lien. next, I am offered a deed lieu and when I follow up I am then told that they have an unrecorded deed lieu from XXXX. I continue to phone the company and ask when they would file the deed lieu and be told that I was offered a consented foreclosure and would not be held financially responsive if I agreed. now that offer is still available but no documentation has been sent to me and it is now a month later.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/23 It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law.
Consumer complaint received 2022-11-07
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: Paypal Holdings, Inc (UT)

I had an old PayPal account and I received XXXX hard credit checks from them for a new Business Credit Card XXXX XXXX : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX ). I called them and they closed the application and marked it as fraudulent. They told me my PayPal account associated was a business account and to call another service number for help closing that account ( XXXX ). PayPal had trouble finding the account, but eventually were able to find my old account from 8 years ago and close it.
Consumer complaint received 2020-03-08
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. (MD)

On XX/XX/2020, XXXX XXXX XXXX XXXX did a hard inqury on my report. During that day, I was at the XXXX Dealership looking to purchase a new car, which never happened. The salesman provided me with two lenders they used ; however, XXXX XXXX was not on the form. 

They ran my credit and caused my score to decrease. I did not authorize them to run my credit as I already have an account with them.
Consumer complaint received 2020-03-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

During these dates timeframes we went through the hardship of me loosing my job as I had my XXXX  child and could no longer afford to put all of them in daycare. This time was a struggle. We would appreciate the courtesy of investigating why there are so many late payments as we did pay on time! So believe all information is inaccurate. We have tried to get information from them and failed.
Consumer complaint received 2020-01-12
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. (MO)

My identity has been compromised and there's accounts reporting on my credit file inwhich I have absolutely no knowledge. Therefore, I'm demanding that these accounts be blocked and removed immediately. If you or your company do not then please show physical cause why you still reporting these unauthorized accounts. Please remove immediately these accounts. 

1 ) XXXX XXXX XXXX 2 ) US Dept of Education {$1700.00} 3 ) US Dept of Education {$3100.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was recently scammed on XXXX, for a false job opportunity that was given to me. The " company '' sent out a check for me to deposit to go towards getting supplies for remote work. The funds were deposited through my mobile banking app through 5/3 bank on XX/XX/2023. I received a message on XX/XX/2023, stating that the funds were available. I was told by the " employer '' that the funds should be available and asked for me to confirm. I did confirm they were deposited into my account, and from there he offered for the " company '' to overnight a laptop instead, which required me to send the funds back. I did this through XXXX on my mobile banking app and XXXX XXXX, between the dates of XX/XX/XXXX and XXXX. On the morning of XX/XX/XXXX at XXXX XXXX, I did check my mobile banking app and noticed the negative balance, which let me know I have been scammed. At XXXX XXXX  central time, I called 5/3 bank to let them know about the scam and to inform them I had filed a police report, a report with the XXXX XXXX XXXX and I spoke with the hiring leader of the actual company, whom the scammers posed as. He also described my situation and said that this is a going thing and they are working with XXXX to resolve the issue. Fifth Third still chose to close out my bank account and required me to pay XXXX dollars within thirty days or set up a payment plan, after I was scammed and reported the scam.
Consumer complaint received 2020-01-12
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. (MO)

My identity has been compromised and there's accounts reporting on my credit file inwhich I have absolutely no knowledge. Therefore, I'm demanding that these accounts be blocked and removed immediately. If you or your company do not then please show physical cause why you still reporting these unauthorized accounts. Please remove immediately these accounts. 

1 ) XXXX XXXX XXXX 2 ) US Dept of Education {$1700.00} 3 ) US Dept of Education {$3100.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (MO)

World Finance Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of XXXX ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX  XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. World can find no evidence that XXXX XXXX was under bankruptcy protection during the time World owned his account. Unfortunately, World can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation XXXX Department ATTACHMENTS XXXXXXXX XXXX XXXX  XXXX ( XXXX XXXX  )
Consumer complaint received 2023-06-06
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. (FL)

I submit an application at XXXX XXXX XXXX XXXX, and my request was denied based on the on the information obtain by XXXX XXXX XXXX. I call the company and they informed me their decision was obtain from the consumer agency listed as Equifax. 
Equifax, send me credit report and it shows 2 accounts under my name that don't belong to me. XXXX XXXX, under a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under a collection agency XXXX XXXX XXXX XXXX XXXX XXXX Also on XXXX XXXX, I File a dispute on Equifax XXXX XXXX XXXX XXXX  XXXX, for each delinquency account, which cost me that may application was denied.