davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

We went to www.equifax.com to order a personal credit report product that supposed to provide XXXX credit reports from Equifax XXXX along with XXXX credit scores for XXXX fee of {$39.00}. After we set up personal information and provided our XXXX debit card number, we were charged the amount of {$39.00} immediately XXXX we verified this when we signed in to check our balance in our checking account ), this amount was immediately debited from our checking account available funds, however, the product was never delivered because of a post identification verification process. The system communicated that we had to call to be verified thru the telephone. My complaint on Equifax is that the company site is set up to withdrawal money from a person 's checking account/debit card XXXX what ever form of payment is provided by the customer ) with out delivering the product. Equifax needs to ask the computer generated identity verification questions first, for some reason, if the consumer fails to answer the verification questions, then Equifax should not immediately charge the consumer for a product that will not be delivered. When we followed the instructions to contact Equifax to be verified by phone, the first representative was rude and she hung up on us. We had to call back and speak to a different representative who communicated that the charge was in process of being reversed but it will take 24-48 hours XXXX business days of course, all this happened on a XXXX so we will not get our money until 4-5 days later ), however, again, this should not have happened. Equifax has had a negative financial impact on our funds. Lastly, the second representative had the nerve to try and sell us another Equifax product that cost XXXX and she guaranteed that it will be delivered ... .This is astronomical and comical that she had the nerve to try and get another payment from us before Equifax had reversed the first XXXX. Equifax , we are consumers that do not have a lot of money, please fix your website so that consumers are not charged for a product that will not be delivered.
Consumer complaint received 2022-09-05
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. (IL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, IL XX/XX/2021 XXXX/XXXX  XXXX Balance : {$1400.00}
Consumer complaint received 2017-02-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: GOLDMAN SACHS BANK USA (CA)

I have over {$250000.00} Goldman Sachs Bank Saving Account. This account was blocked due to a divorce case and waiting for settlement. Now the case is ended and the court ruled out this account belongs to me. I sent this CERTIFIED JUDGMENT ON XXXX ISSUES to : GOLDMAN SACHS BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX As per Goldman Sachs Bank requested, I sent the original certified court order and it was delivered on XXXX. I called them on XXXX and spoke with XXXX of their associate. She told me it takes up to 7 days to process. The next day, I call them again. This time I spoke with the manager, XXXX XXXX. He stated it takes up to 30 days to process. I told him XXXX XXXX and XXXX at the local branches here ( XXXX ) take only 2 hours for their corporate legal department to unblock an account. Why Goldman Sachs Bank takes that long? I suspect Goldman Sachs Bank uses my money for trading and the funds are not available to pay me back. 
I guess next month if I call them, they will tell me it takes another 30 days and so forth ... 
I am unemployed since XXXX XXXX, XXXX. I need money to pay back to my relatives whom I borrowed money from. I need money to pay my rent ( I live in a mobile home park ), property taxes, and foods for my family and I need to use the money to invest in XXXX just in case an economy crisis or inflation. 
Best Regards, XXXX XXXX
Consumer complaint received 2015-11-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: F&L Marketing Enterprises LLC (VA)

I have a revolving line of credit with Cash 2 U Financial Services of VA. On the day that the loan is due I start getting calls at my place of employment. I have asked several times not to be contacted at my job and have informed them that I am not allowed to receive those types of calls. I received a call today that was answered by one of my employees. The rep asked to speak to my direct manager by name and did not ask to speak to me. There should never be a time that a debt collector ask to speak to a person other than the person on the account. My manager was out of the office so the call was transferred to my voicemail. I called Cash 2 U and advised them again not to call my place of employment and asked why they would ask to speak to my manager and not to me. She informed me that she had not done so. I advised her that all calls made to the company are recorded and that I listened to the recording and she specifically asked for my manager by name. She never mentioned my name until the rep told her that the manager was unavailable and was there someone else that could possibly assist her. She then said I am not going to argue that fact with you. I asked again to never contact my employer because they are putting my job in jeopardy. She stated that she made notations on the account that they will never contact my place of employment again. I was lied to about the terms of the loan, I was lied to today that they did not ask for my manager directly, so I am pretty sure she lied about the do not call the employer notations as well.
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I came into Bank of America to get my pin number changed for my debit card.I was told about a balance transfer of my other cards at another bank. I was told this, thinking it would happen in XXXX session at that moment with the teller. Instead the teller had me click XXXX boxes on a screen as my signature and then told me I had to wait 2 hours on XXXX to get word from me having to call XXXX or wait a day to see what rate of credit I would get later. If XXXX XXXX had told me this would not be determined and I could not get this done at that moment I would have not done this precheck or application click. 
i still am not sure what the transaction or action of the clicks exactly did at the XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX office did. I was only given general policy and credit rate information. Nothing was given to me noting the date. Nothing was told to me of a prior date. I had no written record of the meeting accept my in bank pin change that occured. I even told her I had a freeze on my accont and I have not lifted it for that meeting, unless someone else did without me being aware of it. I would like a letter or record of the event sent to me. This place is strange. once a Teller named XXXX had me sign paper for a pen change months ago, and the top part said one thing and the bottom said another. Hopefully this branch is not doing a XXXX move and creating accounts without letting customers be aware of it. I am going to cancel the card when I get word of its number or anything to identify the meeting at all, other than the pen change. Which was the reason I came in to see the given to me fellow named XXXX too. At least XXXX walked me out to a teller to show me if I needed to change my pin in the future an new the old number I could use a teller. I think transactions should be explained in terms of timelines better in the future, like this can be done now in so many minutes or the process takes days or weeks or months all together. What if the person is going out of town or something.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

I been requesting Equifax to removed this account with XXXX from my credit. This account was a fraudulent account. That I been trying to fix the problem with this company, but nothing have been done. The year of this account is totally incorrect, the amount, the payment history. This account was my ex husband account never signed for this
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (PA)

On XX/XX/XXXX, I contacted Convergent Outsourcing regarding a debt with XXXX. Speaking with the Agent Ms. XXXX XXXX, we negotiated a date of XX/XX/XXXX for the first payment of a 6 month payment arrangement. The payments were to be XXXX each month. The entire conversation was recorded. Following this conversation, this morning i saw that a unauthorized payment for the XXXX was taken out. Upon calling and finally getting the agent on the phone ( I was hung up on 3 times ), I was told by Ms. XXXX that there was a system error and I would have to submit proof of the unauthorized payment and would take 3-7 days to process ( my rent was due so this wasnt an option ). I asked to speak to a supervisor, whom was quite rude and said " just giving a refund without the faxed statement is not how we do business ). I immediately directed her to cancel any future payments, and she said she could not provide proof that this was done and the only proof would be a bill in the future that shows the full amount due.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

I have disputed with Experian about XXXX Bankruptcy being reported on file, they said the bankruptcy s was verified and validated which was no true. i went to XXXX Bankruptcy Court to investigate and spoke with Court Clerk. they informed me in person and also with letter that I previously sent to credit Bureau that they do not verify or validated any information. could be someone with same name or computer error.
Consumer complaint received 2016-02-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Jason A Craig, PC (GA)

I was billed XXXX for a XXXX I had back in XXXX. This debt was eventually included in a bankruptcy filed in XXXX. This debt was included in my bankruptcy, and Jason Craig & Associates was notified. They continued to try and collect this debt despite this fact. Today is XXXX XXXX XXXX, and this collection agency has sent a letter to me at my new address threatening to submit this old debt to the credit bureaus. Writing them has clearly done no good. Please make them cease and desist.
Consumer complaint received 2022-09-05
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. (FL)

I have constantly been mailing disputes to Equifax regarding negative reporting accounts. I have yet to see any changes and feel discouraged. I am not getting any results with handling the issues at hand. I am simply seeking for the buera to provide 100 % proof that the negative accounts belong to me. I have no knowledge of the accounts being reported. The buera is not completing a Thoreau investigation they are simply marking the accounts as verified to just move on. This is not right for the information to be held on my report without any written proof of any claims or some type of supporting documents. Accounts that are not being accurately reported is defamation to my character.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (MI)

I cancelled my XXXX service and a technician came to my home on XXXX XXXX, 2016 to retrieve the equipment. The technician disconnected my service and took payment of the final bill of {$81.00} by credit card at my home. 

My credit card was charged for the payment at which time XXXX reinstated my service in error. I did not have equipment to operate service and was led to believe the service was cancelled. I was not told to take any further action by XXXX. 

I contacted XXXX customer service on XXXX/XXXX/16 and was told the equipment return date was not entered into the system. I should not be forced to pay for an error in the XXXX disconnect process. 

I am disputing the charges sent to CBE Group as they are for services not rendered by XXXX. 

I communicated the information to CBE Group and was told to pay the bill to in order to avoid any further inconvenience. 

I can not be forced to pay for services which were not rendered.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

i am requesting deletions of inaccurate accounts and to put the CRAs on notice of violation, per 15 usc 1681i ( 6 ) ( b ) ( 3 ) for non re-investigation of inaccurate accounts
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 15 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent ( 2 ) dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-02-24
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. (SC)

I became aware of ( 2 ) XXXX accounts that were taken fraudulently in my name in XX/XX/XXXX. I notified XXXX directly followed by sending them an identity theft affidavit generated with the FTC. I was unable to get XXXX to correct the error. I then followed back up on XX/XX/XXXX and XX/XX/XXXX through certified service, proof of service attached separately. I once again formally disputed the ( 2 ) accounts, requesting them to adhere to both FDCPA and FCRA. Both times they failed to adhere to FDCPA and FCRA regulations by not responding. I then notified all ( 3 ) credit bureaus, XXXX, Experian, and XXXX of my efforts and started the formal process with them. 

I had informed them of the following as a result, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I'm also aware that, " All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC   Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of  the Fair Credit Reporting Act.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Experian reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. XXXX is unreachable. It bankrupted in XXXX and the phone number Experian gives us does not provide any way to access anyone. Below is a copy of the document we sent which includes information we have sent multiple times to Experian
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX is not my address i never lived their i corrected this with XXXX XXXX  they said they mail something in to experian to fix it XXXX is not my address XXXX is not my address
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (FL)

This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under Southwest credit system. 
I 've contacted XXXX & XXXX in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against XXXX. 
for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my XXXX credit bureau reports with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : Southwest credit system/XXXX account # XXXX balance : {$1000.00}
Consumer complaint received 2022-09-05
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. (PA)

I have disputed different hard inquiries on my credit report as its not me applying for credit. I have called Experian many times because of fraud. They havent fixed the issue or helped me with fraud
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Worldwide Processing Group, LLC (TX)

This company, Forward Movement Recovery, has been calling my number for several months. They always ask for   XXXX   XXXX   ( spelling? ) and I am not that person nor do I know them. They call multiple times a week from multiple numbers. I tried blocking their number, but they just use a new number. I have spoken to at least 3 different people over the last 6 months telling them to remove me from their list. Each time they said they will do it and they have not. Going forward, I will keep a log of each time they call. Here is the most recent activity :  XXXX   XXXX / XXXX /2017  XXXX  Spoke with someone and they said they would remove me.   XXXX     XXXX / XXXX /2017  XXXX  No message   XXXX    XXXX / XXXX /2017   XXXX   No message  XXXX   XXXX / XXXX /2017  XXXX  Left a message asking for   XXXX   XXXX
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P. (FL)

I have spoken to this company several times and in XXXX 2009 XXXX I also find this odd that a complaint of 2009 which was 7 years ago would just now hit my credit. I explained to them that I could not have been in to places at the same time.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

have complained to XXXX XXXX and filed a complaint with the XXXX 's office. This account was overcharged for usage and wireless internet access for over 9 months. Now XXXX XXXX is filing a write off on my account for XXXX when in fact they have overcharged me over XXXX dollars in the past two years. Per the XXXX 's office I will be filing a district magistrate request for hearing shortly to get my funds returned. This is reported on XXXX Equifax credit reports.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose