davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act accounts listed below have violated my rights These accounts have shown as " VERIFIED '' by the credit reporting agency. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there. 

XXXX XXXXSC 1681 sections 602A states I have the right to privacy 15 USC 168 section 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (KS)

Having to do with the Equifax Data Breach -- Since the announcement of the breach, I have been receiving repeated and threatening aggressive solicitations for credit monitoring and protection services for a price varying from $ 10 monthly to $ 30 monthly from XXXX, XXXX, and others beginning now and continuing forever. 

While there is probably a need for this service due to the breach, why should every adult ( 143 million individuals ) in the United States be penalized between {$120.00} to {$360.00} per year because of Equifax 's negligence? 

I suggest that legislation be passed immediately or, failing that, a class action be filed by the US Attorney to at least cover these individual costs.
I have no relationship with Equifax, have not asked for their service, and see no reason why I or any other American be held accountable for their failing to protect data collected without my permission.
Consumer complaint received 2021-07-02
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. (WV)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-02
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. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-06-09
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. (TX)

Transunion, today XX/XX/XXXX XXXX I was checking my XXXX XXXX Report I see account that should not be reporting because alleged account owners do not own accounts letter enclosed, also XXXX account is reported twice stolen card fraud was reported remove these account that you are double reporting on my credit report a very big violation and of my rights, also you show account that claim in collection { meaning the companies you are reporting dont own the account remove those to. IM SURE YOU DONT WANT TO GET CAUGHT UP IN CREDIT MANIPLATING IN A COURT CASE
Consumer complaint received 2019-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

The two accounts that I disputed earlier remain on my report. I told XXXX that the account does not belong to me and needed to be removed from my account. 
After XXXX 's investigation the accounts still remain and are having a negative impact on my credit score. 
I have never done business with either one of these companys. 
I requested in my dispute for these companys to provide written documents, contracts and or anything with my signature on it disputing otherwise. 
I know that was not done, because those documents dont exist. 
But yet the items were not removed from my account and cont to have a negative impact on my credit report and score. 
This process has failed if all XXXX does is ask the said companys if the account is mine, then they say yes cause its in there best interest. 
Then XXXX takes there word for it with out any written proof. 
And tell the customer the dispute is over just to get a 30 day result. 
This is not fair. I feel cheated. 
These are not my accounts, I said that before and like I also said. 
There is no written contract or anything that says otherwise I just ask for a through investigation and written proof that was used to link me to these accounts. 
Because I guarantee that there is none. 

Thank you
Consumer complaint received 2019-06-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

My mortgage company ( mr cooper ) served me with foreclosure papers after i filed for a modification through XXXX XXXX. They also sent the XXXX papers to my stepson mother and my other stepson. This has my personal & financial info and they arent listed on my mortgage so is it legal for Mr Cooper to send my info to other parties and how can they foreclose in the middle if a modification that hasn't been settled yet? Please advise if both matters are legal.
Consumer complaint received 2017-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: 1st Franklin Financial Corporation (GA)

On XXXX I got a loan for {$1000.00}. On XXXX I had two XXXX a XXXX, and XXXX XXXX. I had someone make 8 payments for me. Since then the have reported to the Credit Bureaus that I owe {$1600.00}. Also, they filed courts papers with my personal information which includes part of my social security number, date of birth. I reviewed the file at the courthouse, and there seems to be Fraud. First of all, I did not use my vehicle for colateral, nor did I sign to have insurance, or Road side assistance, for my vehicle. I noticed a Man by my Jeep when I was inside, I believe he got my VIN number, and then he came back inside the office. I have a lien on my vehicle already, so why would I do that. Second, the personal property they have in the court they listed are fraud, and so is my Signature is Fraud. I did not sign for such a deal!! Restitution need to be enforced, in the amount of {$25000.00}.
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I XXXX XXXX, receive a letter on XX/XX/21 from Portfolio Recovery Associates, LLC as a response to my request to validate what they assume a debt of mine. On the letter I disputed I even ask a contract that I signed with them as a proof of my debt and it was ignored and insisted that I have a validated debt to them. FDCPA Section 1692c. ( c ) Says that I have the right to refuse to pay this debt unless me the consumer validate it myself so no letters or contract what ever they may send me can validate anything about the debt they assume. I feel like I am being taken advantage of and it is causing me stress and my reputation is being harass.
Consumer complaint received 2019-06-09
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. (SC)

I have contacted Experian explaining that I am a victim of identity theft and I have no knowledge of the following accounts. I have provided a police report as well as an identity theft report & they continue to report inaccurate information on my credit report. These accounts do not belong to me XXXX XXXX XXXX, XXXX XXXX XXXX, and two accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, and XXXX XXXX. There are address information that I also explained that I never live there XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. There is also inquires from things I have never applied for or gave anyone permission to look at my credit report for these companies XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (FL)

I am reporting Innovis for violating the F.T.C. Fair Debt Reporting Act.title 623.In case # XXXX date XX/XX/2019 stated that my accounts on my credit report did not have any balances or past credit history on them.The following accounts with their ending account hold balances and all of them have status as charge off accounts is as follows ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX-balance {$650.00}. XXXX # XXXX-balance $ XXXX.XXXX # XXXX-balance $ XXXX.XXXX # XXXX-balance {$600.00}. have not done anything said that their would do.please correct this.you have the 1099-c forms on all those above account please do what you told the C.F.P.B. you said you would do.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, a check I wrote to my subcontractor was stolen and cashed by someone else into their account at XXXX XXXX XXXX XXXX in the amount of {$1000.00}. On XX/XX/2021, I filed a fraud complaint at my bank at Chase. On XX/XX/2021, XXXX reported that XXXX XXXX XXXX XXXX has not responded and if they do not then the case is closed and I don't get my funds. This is FRAUD. Chase should not allow this to happen to my account is not adequately supporting me to get my funds back that they released illegally.
Consumer complaint received 2019-06-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (TN)

This company has been deceptive from the beginning. no full disclosure, somehow knows confidential information. XX/XX/XXXX ... ... requested documents ... ... .. XX/XX/XXXX sent follow up ... .... Someone called and indicated we spoke on the XXXX after the XXXX ... ... .... Multiple phone calls after cease and desist verbage. XX/XX/XXXX spoke with XXXX.
Consumer complaint received 2019-06-09
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. (FL)

Accounts That Dont Belong To Me : XXXX, XXXX. 
XXXX Experian - XXXX XXXX XXXX | XX/XX/XXXX | {$220.00} XXXX - 11 XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | {$220.00} Hard Inquiries : XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX - XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XXXX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided - XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc. (MS)

XXXX XXXX, i sent my final letter TO MERCHANT ADJUSTMENT SERVICES about some alleged debts of :107,107, and 155 that i don't owe. I have disputed asking for the validity of the debts at hand and they have not responded to my request within the 30 days.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the total alleged debts of {$360.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MERCHANT ADJUSTMENT SERVICES has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-02
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: Experian Information Solutions Inc. (PA)

Name XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691. Experian and XXXX have prolonged remove Fraudulent information in retaliation of multiple Disputes i put in for violating my consumer rights. Both Experian and XXXX refuses to comply by phone and have hung up on me multiple times. A XXXX representative told me she had my file mixed with someone else and still havent removed these accounts.
Consumer complaint received 2021-11-18
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : 1 XXXX - Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

Several fraudulent charges were made to my credit card. The credit card company reversed most of the charges, but I have discovered another fraudulent charge on my statement. I have pointed it out to the company, but now I am getting the run-around : i.e. interminable times on hold on phone calls, calls ended by " our systems are down ... etc., transferring calls to the " fraud department '' that never get answered. They are not responsive, giving me the strong impression they are just trying to irritate me enough that I will give up. I am not the " give-up '' type.
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 purpos
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

account is stating inaccurate reporting account open as XX/XX/XXXX with Account type as OPEN, I XXXX detail as COLLECTION and Account status as DEROGATORY with a {$410.00} and XXXX late. Yet, Reporting date last payment as XX/XX/XXXX while payment history is reporting payments all the way from XX/XX/XXXX to XX/XX/XXXX being OK as agreed. This makes no sense with date last payment. There is no way account can be all of the above at the same time. Now, there is no possible way that account was first reporting date of last payment way before account was even open. Account is currently reporting OK as agree all the way from XX/XX/XXXX to XX/XX/XXXX with charge off XX/XX/XXXX still reporting account being opened with comments of collection account with the same balance of {$410.00} there is no way that account can still be reporting payments up to XX/XX/XXXX and balance continues being the same. if information was to be right there should be no balance at this point.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/XXXX I purchased a Moneygram money order for {$500.00} to pay a bill. A few minutes after making it out to someone I found out I did not have to pay that bill. Neither the store that sold it to me nor my bank would cash it so I went online to moneygram.com and completed a refund request form. I am attaching the acknowledgement letter I received frim XXXX. stating my refund will take 3-4 days as I requested expedited processing for {$45.00} and overnight mailing for {$22.00} for a total cost of {$67.00}. I did upload to the XXXX website photos of the money order & the stub receipt as I still had & have in my possession within minutes of moneygram requesting them on XX/XX/XXXX. I called after a few days to check the status and a rep told me they had received my uploaded photos & my refund would be issued on XXXX XX/XX/XXXX. I just checked their website & my claim is still sitting with no progreess andNO refund. That department does not take calls and I was told the managers were not available to speak with me! 
This is completely wrong and seems like theft and there should be something that can be done!