davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2021-04-15
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. (LA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-10
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)

I got a copy of my credit report today XX/XX/21 because I am planning on hopefully buying a home later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.
Consumer complaint received 2020-02-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cheadle Law Firm (TN)

The previous response from this company is an outright lie, which is what you would expect from this law firm. 

Here is what they stated in their response : The initial court date was more than 60 days from the initial notice. The borrower is also wrong in his claim above that the Fair Credit Reporting Act applies. Our firm does not report to Credit Bureaus, and has not regarding this borrower. 

The very FIRST communication I had with this law firm was XX/XX/XXXX and they filed a court case WELL UNDER 30 DAYS THAT THEIR LETTER LEGALLY OBLIGATED. This law firm response stated that I pasted above says the court date was more than 60 days. THIS IS A FLAT OUT LIE. It was well under 30 days from the FIRST COMMUNICATION I EVEN HAD WITH THIS LAW FIRM. XX/XX/XXXX XXXX to XX/XX/XXXX the date of the lawsuit is WELL UNDER THE 30 DAYS THEY PROMISED ME IN THIS, THEIR VERY FIRST LETTER TO ME. I didn't even receive this letter until XX/XX/XXXX, probably this law firm HELD the letter as shady and unethical as they are, in order for me to have less time to respond. 

CFPB, DO SOMETHING ABOUT THESE SHADY LAW FIRM AND HELP ME RESOLVE THIS LIKE YOU ARE SUPPOSED TO DO. 

THEIR RESPONSE WAS A FLAT OUT LIE. I have a paper trail to prove their shady practices and I will continue to fight them, including with the Attorney General of Tennessee as well as the XXXX  XXXX.
Consumer complaint received 2021-04-15
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: Possible Financial Inc (CA)

I have filed dispute after dispute with this company with no fair time to respond and a lack of regard that I did not, nor would not open an account with this business as I know if it's practices of installment loans and the monetary contracts they force a consumer to pay without any return if the consumer decides that they do not want to continue paying on this installment loan should it become financially unable to do so, they ultimately keep the funds you have already have in savings with them, then attempt to continue receiving un-returned payments and report the consumer to the credit bureau. 
This account is not mine! I never opened it! It is a fraudulent account and unauthorized. I have complained to many consumer entities, such as XXXX,, the 3 major credit reporting agencies to no avail, and now CFPB
Consumer complaint received 2021-03-10
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. (NC)

XXXX XXXX / fraudulent account XXXX XXXX XXXX/ fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX fraudulent account XXXXXXXX XXXX/ fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXXfraudulent account 29 fraudulent hard inquiries Credit reporting agencies are not disputing accounts by policy.
Consumer complaint received 2021-06-14
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. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 35 days is a reason to remove those things off my credit report immediately. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (PA)

I paid this debt a long time ago, Diversified Adjustment Company is still reporting a balance on XXXX, and they promised to delete the account upon payment, which it is still on XXXX  and XXXX, so they lied! They have violated my rights, made false statements, misrepresented facts, and did not keep their own promise! Please Help Me!
Consumer complaint received 2023-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPORTUN FINANCIAL CORPORATION (GA)

Oportun acquired XXXX and I have an account with XXXX and have for several years. In the past you could manage the funds in the XXXX account via text commends. But since Oportun has acquired that functionality has ended. My contact info on the account has recently changed ( email and mailing address ), but Oportun has provided no means to change account info. on the XXXX accounts. I have called Oportun several times to change my information over the phone, but Oportun has NO servicing center for the XXXX accounts. I have spoken to several CSR 's and they claim someone will call me back, but they never do. I have over $ XXXX in this account that I effectively can not access. The account continues to pull money from my checking account because it is a passive savings account, but I can not turn that off either because the functionality is not built at Oportun. They are essentially holding my money hostage and will not help me access it.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already send complaints and letters to the bureaus and to the companies and they never response to my request to provide proof of validation, payment history and all the results of the investigation but they never provide any of the request I sent. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
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. (MO)

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 237 DAYS SINCE I FILED A DISPUTE. I FILLED A 60-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Called credit card company to find out why my account was closed and found out it was due to a typo on bank account number, which caused their auto pay transactions to get declined- which resulted in my account being automatically closed. 

However, I got no notifications from the credit card company that this was happening and I was manually making payments on my card on time. I called customer service and my account was reopened in XX/XX/2021. It's now XX/XX/2021 and my credit report still shows the wrong account status and wrong balance. 

I disputed it with XXXX  and they found in favor of credit card company. I'm appealing the decision as I have current credit card statement showing my account us open and balance is {$0.00}.
Consumer complaint received 2021-04-15
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: MoneyLion Inc. (CA)

I have filed dispute after dispute with this company with no fair time to respond and a lack of regard that I did not, nor would not open an account with this business as I know if it's practices of installment loans and the monetary contracts they force a consumer to pay without any return if the consumer decides that they do not want to continue paying on this installment loan should it become financially unable to do so, they ultimately keep the funds you have already have in savings with them, then attempt to continue receiving un-returned payments and report the consumer to the credit bureau. 
This account is not mine! I never opened it! It is a fraudulent account and unauthorized. I have complained to many consumer entities, such as XXXX,, the 3 major credit reporting agencies to no avail, and now CFPB
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under si open end consumer credit plan as late for purpose.
Consumer complaint received 2021-06-14
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. (LA)

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (TX)

On XX/XX/XXXX, I received a notification from XXXX that Radius Global flagged my account for collections. 

I have an {$85.00} debt from this company on my report. I have never been written a letter informing me of this debt and the right to dispute. I do not know what this debt is for although it states XXXX. 

I am covered by the XXXX XXXX and was informed that there should be no collection of debt for consumers enrolled under the Affordable Care Act. My insurance information has been given to all healthcare providers that I see. 

I am demanding this attempt to collect a debt seize due to violation of my consumer rights to dispute a debt. This company failed to inform me of this debt before reporting to the credit bureaus.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (MD)

I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. 
Company name : Military Star account was with zero balance last updated on XX/XX/XXXX. 
Company name : XXXX XXXX XXXX account balance is {$570.00}, last updated on XX/XX/XXXX. 
Company name : XXXX XXXX with an account balance of {$1400.00}, last updated on XX/XX/XXXX. 
I disputed these items for lack of accuracy added to my account, and it negatively impacted my credit score.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-12-03
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. (MD)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Here are the remaining accounts : XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$800.00}
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

I had unauthorized purchases made to my account on Thursday, XX/XX/XXXX. I submitted a dispute to my bank with the amounts of {$120.00} at some online retailer called rosatees.com. There was another charge made to XXXX for {$52.00} as well. Neither one of these charges were made by myself and I dont know what evidence there couldve been to say that it WAS me. Apparently when doing the investigation, both retail sites confirmed that it was an authorized transaction. My card was stolen, and Im not sure how they couldve been authorized charges when I can almost 100 % guarantee that the charges made had none of the same information such as my address, phone number or any other information given to the retailers with the exception of my name and card numbers. I never use XXXX services or even hardly ever make XXXX purchases. I have apple products and dont use anything google related. Ive never even heard of this website called rosatees before either. I can guarantee that someone is using my name to use my money and get away Scott free! Ridiculous.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i recently check my credit report and notice that there were an inaccurate bankruptcy reporting on it, so i sent letters to all 3 CRA 's ( Transunion-01/27/2021, XXXX  - XX/XX/2021, and XXXX  - XX/XX/2021 ) and neither of them has deleted or verified it.It has been over 30 days since i send it out certified mail/RRR. i have attached the copies below as well.
Consumer complaint received 2022-12-03
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

As of XX/XX/2022, Equifax is reporting that I have 2 closed accounts with balances from XXXX and XXXX XXXX and XXXX. These accounts do not show up on my XXXX report. Equifax has failed show any signed contracts that I have for these companies.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I received this letter It doesnt tell me if the sale date of XXXX / XXXX / 2021 Been cancelled or not The letter is shady confusing And since SLS pulled every stunt in the book on me I cant trust SLS not telling straight out loud that the sale date stoped They send this letter not stopping the foreclosure so days before the sale date tell me I am not qualify so they could continue with the foreclosure
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Called credit card company to find out why my account was closed and found out it was due to a typo on bank account number, which caused their auto pay transactions to get declined- which resulted in my account being automatically closed. 

However, I got no notifications from the credit card company that this was happening and I was manually making payments on my card on time. I called customer service and my account was reopened in XX/XX/2021. It's now XX/XX/2021 and my credit report still shows the wrong account status and wrong balance. 

I disputed it with Transunion and they found in favor of credit card company. I'm appealing the decision as I have current credit card statement showing my account us open and balance is {$0.00}.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (TX)

ic System sent collection letter XXXX, for Creditor : XXXX XXXX for {$270.00}. 
This is the 3rd company contacting me. 

IDENTITY THEFT My 2020 income tax returns were stolen from US mail.