davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

{$1000.00} student loan account in collection/charge off that is reported to tranunion not XXXX  this inaccurate information is hurting my credit
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I need to Login to my coinbase pro account, but I can't because apparently they made me fraud and blocked my income, they also withdrew {$1000.00} without my authorization from my bank account XXXX XXXX  I need to solve me shortly I am very upset with you. {$7000.00} dollars in stock with you and I can not withdraw them since they changed my password, please, I need help to activate my urgent password or return all money
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: PMMC and Associates, LLC (VA)

On  XXXX   XXXX  I signed up with   XXXX   XXXX   XXXX   or  PMMC and Associates LLC in or der to have them help me consolidate my student loans with the   XXXX   XXXX   XXXX  . They asked me to pay {$900.00} to simply fill out my application and submit it. I paid {$120.00} at that time and set up a payment plan to pay the rest of the fee in installments over the next 4 months on  XXXX   XXXX . I was told that I would be able to cancel my agreement with the company if the consolidation went through and I was unsatisfied with my monthly payment. I provided    XXXX   XXXX   XXXX   / PMMC and Associates wit h all of the personal information they asked for on  XXXX   XXXX . I received information from   XXXX   and spoke to them on  XXXX   XXXX  they informed me that they had received my application but not my income information from  PMMC and Ass ociates which I had sent to them on  XXXX   XXXX . I called  PMMC to inquire   about this and was instructed that the documentation had been sent and they did n't know why  XXXX  had not received it they said they would resend this documentation. I called  XXXX  on  XXXX   XXXX  and was informed that they still had yet to receive my income information to from  PMMC and Associates.   On   XXXX   XXXX   I emailed PMMC/  XXXX   XXXX   XXXX   my intention of cancelling my service with their company because they had failed to ensure that all necessary and personal documentation was received by  XXXX  as of   XXXX   XXXX     XXXX   XXXX   I called    XXXX   XXXX   XXXX   and req uested a cancellation of service and a stop to all future payments there forth. A representative named  XXXX  who identified himself as the head of their processing department responded that they would not cancel my service or refund any of my payments and that if I stopped any future payment with them that they would send my account to collections.  PMMC and Associates/  XXXX   XXXX   XXXX   Charged me {$900.00} for a service that was not fully provided, and informed me that they would send my account into  collections when I tried to cancel service with them.
Consumer complaint received 2021-07-29
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. (MA)

Pursuant to complaint XXXX-XXXX, XXXX  XXXX XXXX is maintaining that they exercised due process in recording my account as a charge-off even though, through circumstances of their own making, they " clouded '' the title to the recreational vehicle ( aircraft ) for which they were the primary lien-holder thereby rendering it to be un-saleable with a title that could not be cleanly transferred to a new owner. Additionally, they could not even provide me with clear title effectively demonstrating that I myself possessed clear ownership and title to the vehicle. Documentation from a federally bonded, FAA-certified escrow and title company, XXXX XXXX XXXX XXXX, XXXX, are attached demonstrating XXXX  XXXX XXXX 's inability to present a " clear '' title of the time of an attempted sale of the aircraft ( XXXX ) on XX/XX/2020.
Consumer complaint received 2021-07-29
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. (NY)

Following accounts was disputed FOR ACCURACY several times but I am in fact questioning the method of validation for such investigation : XXXX XXXX Inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per my conversation with Equifax Representative ( XXXX ID # XXXX ) today XXXX they are mailing to me XXXX  of all letters to furnishers and from furnishers to validate to me that their investigation was actually completed. If such copies are not received by me in 15 days as prescribed by FCRA all this accounts in question must be deleted and blocked from the further appearance.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (FL)

I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-29
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)

Please delete these unknown items from my profile. I want to buy a house now for my family and recently I saw accounts that do not belong to me. They are not mine and I do not want to have them. I am begging you as its very important for me. I believe I am a victim mainly victim of Identity theft. So kindly asking you to help me and make investigation in order to remove it.
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

Amount of debt {$3700.00} I have called them a lot of times and they keep repeating themselves that a letter will be sent to me but never received anything from them. This has been going on for a few months now.
Consumer complaint received 2021-07-30
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. (CA)

There are multiple accounts on my credit report that are not mine I have not applied for these I have not accepted them or signed for this. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2024-03-25
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. (PA)

I created a new identity theft report as Equifax is now violating 18 U.S. Code 1028A which is Aggravated Identity theft as they chose to continue reporting this false information. I had sent a previous notice to Equifax that there are some unauthorized fraudulent inquiries on my consumer report and the dates that I sent the notices were XX/XX/XXXX and the reinvestigation letter on XX/XX/XXXX. I provided an identity theft report together with my identification but they insisted that It was Factual and accurate. However when I asked for the procedures they took to verify the inquiries they did not reply. It has been over 60 days since I sent the letter. See attached letter and exhibit. I had also called in to get it removed however they said that they can't remove it because they haven't verified who I am. I told them to ask me verifying questions and to see the attached documents that proves my identity and they still have denied me.
Consumer complaint received 2021-07-12
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. (AZ)

21 UNAUTHORIZED INQUIRIES ON MY EQUIFAX CREDIT REPORT : XXXX XXXX XXXX XX/XX/1970 ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi CFPB, I am new to credit and I am currently improving my credit. I checked my credit report today ( XX/XX/XXXX ) and saw that I have a few inquires that I never authorized. I had my social security number stolen in the past and thought that the credit bureaus put a freeze on my credit report so no one uses my SSN for credit. 

Here are the inquires that I never authorized XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-30
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. (CA)

There are multiple accounts on my credit report that are not mine I have not applied for these I have not accepted them or signed for this. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2024-03-25
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. (FL)

To whom this may concern, After checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. 
Starting 30 days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX Without Prejudice, all natural inalienable rights reserved.
Consumer complaint received 2021-07-30
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. (NY)

There are accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15.

Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for the creditors response before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are being disputed, especially since I, the consumer DID NOT request for these accounts to be disputed, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15. 

The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF ED Account # : XXXX XXXX Account # : XXXX
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (AZ)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Complaints : XXXX. XXXX  XXXX XXXX, IA XXXX Dear Madam/Sir : XXXX XXXX XXXX is still showing my account as negative and this aged tradeline has still not been removed. 

XXXX  refuses to delete the tradeline, relying on XXXX inaccurate reporting of the account. The fictitious account debt ( that I did not and do not owe ) that was originally from a delinquent debt with XXXX XXXX in XXXX that it sold to XXXX. 

As such, the debt associated with the account collections is now over 7 years old and must be removed since any debt over 7 years old must legally be removed from a credit report. 

Moreover, by furnishing false and misleading formation to the Credit Reporting Agencies, XXXX is in violation of the multiple CFPB consent orders that are currently in place. XXXX has been the subject of multiple enforcement actions by the government. 

Please ensure that the XXXX tradeline is deleted from my credit bureau reports as soon as possible.
Consumer complaint received 2024-03-25
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. (NJ)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2017 PORTFOLIO RECOVERY ASSOCIATES, add a derogatory mark on my credit report per XXXX XXXX, XXXX, XXXX  and XXXX. upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also there was NO written form of communication, contract, or signature for this accused dept at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

XXXX {$3100.00} XX/XX/XXXX did nothing XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXXXXXX XXXX  removed from credit Credence Resource Managment {$3100.00} XX/XX/XXXX reinserted into credit blew me off even though they acknowlage fraud XXXX in XXXX of XXXX a XXXX account was opend up in my name in XXXX Florida XXXX I also had several credit cards and my XXXX XXXX accout stolen as well. I can only guess this was a result of the XXXX data breach. In XXXX of XXXX I was moved to XXXX XXXX Texas. I learned of all this frauad pieces at a time as it came through, and all was delt with except XXXX XXXX. They have been nothing short of imposibile to work with. they do not have a fraud department I can contact and once its in collections they will do nothing to help. I have sent the credit bureas all the information including police reports, lease agreements pay stubs showing I was at work in Texas the day it was opened. XXXX XXXX XXXX XXXX help the debt it was removed XX/XX/XXXX report number XXXX now XXXX XXXX has sold the debt again to Credance resource managment on XX/XX/XXXX I was alerted to this and again I am having to dispute this. report number XXXX This is coming as I am trying to buy a house an could impact my ability to do so. I have proved left and right it was identity theft. this is becoming a case of harrasment to me please help.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (MO)

I had a debt with Monroe and Main. The sold it to XXXX XXXX. I called to pay the balance and was told because of the state I reside in ( Missouri ) I had to pay an additional fee of {$7.00}. How does the state I reside in constitute an additional fee? I did pay it with my debit card and there is no payment pending with my bank! SCAM
Consumer complaint received 2021-07-29
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. (MS)

THIS IS IN VIOLATION OF MY RIGHTS AS A CONSUMER ... I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.