davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd. (TX)

Today I received a call from a lady named XXXX she stated she was calling from the XXXX XXXX law firm. She informed me I owed a pay day loan from XXXX. I told her I was a victim of identity theft and could I get more information. She said the initial loan was XXXX but went up to XXXX. She said I had 24 hrs to pay it or charges would be filed against me. I DONOT know what to do. She called from XXXX XXXX XXXX. This number isnt linked to any law firm.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE XXXX XXXX XXXX AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ''
Consumer complaint received 2021-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc (TX)

I asked for debt validation in the company via certified mail, they received it on XXXX XXXX2021. They responded a letter print out " validating the debt '' Its clearly something that can be printed or typed in the computer. That is not a proper documents to validate the debt {$150.00}. It is damaging my credit file. I then again follow up few more letter every 30 days, but they never gave me what I am asking for and they continue to report it to the credit bureaus. This is a violation by FDCPA.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX and experian is furnishing creditor : XXXX a balance of XXXX shows derogatory marks when i have already resolved this with " XXXX XXXX XXXX  '' the problem came when they furnished the same derogatory marks twice in essence they had the same bill twice and it totaled XXXX now sinc they only took one off its still reporting incorrectly i also have proof from XXXX XXXX XXXX aka XXXX look at the attachments
Consumer complaint received 2021-10-06
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. (GA)

My Equifax credit report is inaccurately reporting the following account : XXXXXXXX XXXX Account # XXXX Nothing about this account matches any records that I have. I have disputed this account with Equifax several times in which they should have on record. The dispute clearly outlined what " verification '' means and how it should be provided. Equifax ignored all request to reasonably verify this account as requested. Each time my dispute was answered with an automated E-Oscar response, " verified as accurate '' or " updated ''. What information was being updated? Was this verified, updated and reviewed reasonably by a human representative? I then followed up with a detailed request for their method of verification in which they responded to with an automated E-Oscar response as well. This is a blatant violation of the FCRA. It is also negligent and certainly defamation of character having this inaccurate item on file and blatantly refusing to handle the dispute request as required by law.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked now.
Consumer complaint received 2021-10-06
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. (GA)

In 2019 someone opened a XXXX credit card without my consent using my name social security number online. This account was charged off and has affected my credit score and me obtaining new credit. I have reached out to the credit bureau and XXXX XXXX on multiple times and they still have not removed item from my credit report.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (CA)

A credit card issued by JPMCB card services, XXXX XXXX XXXX, XXXX, DE, opened XX/XX/XXXX lists on my credit reports a past due amount of {$18000.00} as of XX/XX/XXXX. I lost my job and became homeless in XXXX of XXXX. I attempted to keep paying until XXXX of XXXX, however I ran out of money and contacted JPMCB to let them know I was homeless and barely surviving and could not make payments due to lack of employment and no funds. They gave me a short grace period, added fees, penalties and kept charging me interest that soared beyond any amount I could pay, then went to collection where I said I could not make payments, then they charged it off.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? I mean seriously?
Consumer complaint received 2020-11-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

XXXX, XXXX  and Experian is reporting this repossession inaccurate on my credit report. First XXXX  and XXXX  is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX  and Experian is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. Experian is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

Credit Collection Services 1st attempt was to collect {$68.00} by XX/XX/XXXX. I called them and told them I cancelled the auto/renters insurance policy with XXXXXXXX XXXX  ( for lack of service and price hikes each renewal ). I called XXXX in XX/XX/2023 and told them the policy would not be renewed. Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX recently sent me a debt collection for {$27.00}. I have disputed both.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CO)

I have now, for the second time, made a transfer of funds from my high interest savings account with Goldman Sachs to another financial institution and they have reversed the transaction without approval or consent from me both times. They are not releasing my funds as instructed, and cited insufficient funds the first and second time, while the amount requested by me to be transfer was in my account ( plus some ) and not at all accurate on either occasion. 

At this point I have called them twice about this, have done an authorization phone call with both financial institutions on the line, and they still are not releasing my funds to me as requested and costing me now 2 weeks of interest at a 1 % interest rate difference that I have now lost due to this.
Consumer complaint received 2022-09-17
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. (GA)

I have Been Disputing the Collection account XXXX XXXX with Equifax since XX/XX/2022. I have requested the deletion of this account at least twice with Equifax because it is reporting inaccurate information and is in violation of the FCRA. When compared to XXXX credit report the information has inconsistencies. The PAST DUE amount is showing {$2900.00}. A collection agency should never report a PAST DUE Balance on a collection Account. It has been reporting this inaccurate information for over 3 years and has affected my credit score with a negative impact preventing me from getting Credit with other companies. This inaccurate info has been hindering my credit growth and has violated my consumer rights. It shows the Original amount is {$2900.00} and that is not correct. I never Received a letter from XXXX prior to them reporting this on my credit report.
Consumer complaint received 2023-09-25
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. (FL)

I am writing to dispute several unauthorized accounts and transactions on my credit report that I believe are a result of identity theft. I recently discovered that my personal information has been used without my consent, and I suspect that my nephew may be responsible for this fraudulent activity. Below, I have outlined the unauthorized account and transactions that have been reported on my credit report XXXX XXXX XXXX XXXX XXXX 
I believe that my nephew may have used my personal information to open this account and carry out these transactions without my knowledge or consent. I have reason to believe that he had access to my personal information, such as my Social Security number, date of birth, and other identifying details, which could have been used for these fraudulent activities.
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (CA)

I am writing to dispute certain information in my credit file that I believe is inaccurate, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ).

I request that the item be removed [ or request another specific change ] to correct the information, as mandated by the FCRA, which requires credit reporting agencies to delete or modify information that is inaccurate, incomplete, or can not be verified.

Please reinvestigate these matters and correct the disputed items as soon as possible.

In compliance with the FCRA, please send me a corrected copy of my credit report upon completion of your investigation, and advise the creditors who received my credit report within the last six months to send me a corrected copy of their transactions with my account. 

Thank you for your prompt attention to this matter. I expect your response within the statutory timeframe of 30 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm disputing this account due to concerns of identity theft or fraud, and I'm requesting proof of my association with the debt, including any documents with my signature, within thirty days. I believe this will help clarify any misunderstanding and resolve this matter appropriately.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (CA)

Someone used my correct home phone number but incorrect driver 's license number and other incorrect information to try to open a Target credit card account in my name on XXXX XXXX XXXX. I do not know if there are other fraudulent charges on my other accounts. I am still looking into this I wanted the XXXX credit agencies to know I am NOT opening ANY new accounts.
Consumer complaint received 2020-11-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to address the inaccurate, erroneous, and incomplete reporting of the following accounts on my credit report, severely impacting my credibility and quality of life. Upon contacting the associated banks, they confirmed the reported information is inaccurate. While unable to provide records, they assured me of promptly removing the erroneous accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bankruptcy XXXX XXXX Discharged Reference : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I've come across an issue in my consumer report regarding my credit account with XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). An unexpected 30-day late payment entry has surfaced, necessitating immediate attention.

I kindly ask for a thorough investigation into this matter, along with the provision of documented evidence, such as statements, validating the legitimacy of the reported 30-day late payment. I'm eager to understand the basis for this entry and trust your agency can provide clarification.

If, upon investigation, the accuracy of the 30-day late payment entry can not be verified, I insist on a swift update of the record to accurately reflect the status as paid on time. My consistent payment history underscores my commitment to financial responsibility, making this sudden deviation perplexing.

Your prompt attention and cooperation in efficiently resolving this matter are sincerely appreciated. The credibility of credit information depends on accurate reporting, and I am confident that your agency will address this with the necessary diligence.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these 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
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I've told you before, I didn't approve these inquiries and now I'm giving you a last chance to fix it, these inquiries are not mine and its fraudulent. If you don't, I might take legal action for violating credit reporting rules. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX