davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

On XX/XX/2014 .AMOUNTS ARE $ XXXX.THIS IS PAYDAY LOAN. I DID NOT LOAN IT. IT WAS NOT MY SOCIAL SECURITY NUMBER ALSO. I DID NOT KNOW THEY WERE HAVING TO REPORT TO THREE COMPANIES CREDIT THAT I OWERS.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

Per the CARES Act initiative the the Dept of Treasury in response to disparities occurring during XXXX, I reached out to the mortgage company in XX/XX/2020 after my job had been cut due to XXXX occurrence. I spoke personally, with a representative from the mortgage company, informed them of my situation, and during the phone call I was asked a series of questions that the representative informed me would be submitted for initiation of the forbearance immediately. I was informed by the representative that I did not have to make any payment until instructed to do so once the forbearance expired. 
I didnt receive the paperwork indicating that my forbearance have been approved effective XX/XX/2020. During that time I made multiple attempts to reach a representative by phone to discuss the XXXX payment that had not been made per my conversation with the representative the previous month. As many companies had decreased their staff during the pandemic, I was never able to reach a live representative, and a voice recording on their end, said to call back at another time. Due to this discrepancy in XXXX processing of this paperwork, they have counted every month as a non-payment on my credit report, which is in direct violation of the CARES Act. if they are unable to get this issue, resolved, I will take this case to those that oversee direct violations of the CARES Act.
Consumer complaint received 2022-03-03
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. (MI)

These ( 2 ) inquiries were Fraudently obtained using my social security number Permanently erase the following Fraudulent inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BlueChip Financial (CA)

On XX/XX/2021 I received an email indicating that a loan application with Spotloan using my information had been denied. 

I responded to the email that I had not applied for a loan, and was told by Spotloan that someone had done so using my information. I asked them to void the application and remove any inquiries on my credit report, but they refused to do so unless I gave them personal information and " proved '' that I did not apply for the loan. 

The company has so far refused to provide any information about the loan, and what information was used to apply for it. They have also refused to void the application, saying that unless I proved to them that I didn't apply, they will assume that I did.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

I have tried for the last few months to cancel a recurring charge for service. Experian requires you to call them and then they have a 2 hour hold before they will take your call. There are several numbers, same result. 

It is impossible to stay on line for 2 hours. 

Last charge : XX/XX/2018 for {$12.00} recurring over last year or so. 
I understand that there must be serveral others who are trying to cancel but get discouraged by the 2 hour hold time for calls. 

I cant access them online either and there is no help available to do so.
Consumer complaint received 2022-03-03
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. (MD)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2020-05-05
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. (NV)

On XX/XX/2019, I mailed a certified letter with supporting documents to XXXX  disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and XXXX   refused to correct the account information. Instead, XXXX  entered a comment on both accounts that states " consumer disputes account ''. 

On XX/XX/2019, I mailed a certified letter with supporting documents to Experian disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and Experian refused to correct the account information. 

XXXX  is the only credit bureau that is accurately reporting the two accounts at issue. My XXXX  credit report shows that the XXXX and XXXX accounts were both included in bankruptcy
Consumer complaint received 2021-05-21
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: Kimball, Tirey & St. John LLP (FL)

I have reported this collection on my account as inaccurate multiple times. I have no knowledge of this debt nor this company or creditor. I live in Florida. This company is in California. I have made it clear that it is not my debt and it is affecting my credit score to the point where I can not get any loans during the pandemic. I contacted the company and was belittled and told to pay my debt. I would like this removed off my account as it does not belong to me!
Consumer complaint received 2018-03-22
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. (CA)

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed a fraudulent inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX XXXX XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Someone stole my identity and had opened a XXXX XXXX credit card. I had opened multiple cases with Equifax to remove this fraudulent account from my credit file. Equifax always comes back with same response '' Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. '' This has caused my credit score to drop from XXXX to XXXX. 
Also this was the address used to open this fraud account : XXXX TX XXXX. I have never lived in this address. Equifax is not removing this address from my credit file. 

I had opened multiple cases to fix this issue, but Equifax never removes this negative account from my file. Below are the case numbers : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
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. (CO)

I'm applying for a mortgage and it currently showing on my credit report that my account is in dispute. However I'm not disputing anything currently so I need all disputes comments to be removed asap. I need the discover account dispute to be cleared and the comments removed. I'm purchasing a house so I need those disputes comments removed. Please close the disputes on my discover account and remove the comments asap. the discover account number should be ending XXXX.
Consumer complaint received 2022-03-03
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: Rocket Mortgage, LLC (CA)

On Monday, XX/XX/2022 at around XXXX, XXXX XXXX XXXX XXXX XXXX ) from Rocket Mortgage called and at one point, he asked for my DOB which I thought was part of the process of completing the file for our mortgage account which was recently got transferred to Rocket Mortgage. NOT knowing that he pulled a hard credit report on my husband and I. He misled me by asking a series of questions and at that point, when he asked my DOB, I thought was all part of his job of completing our information. Unfortunately, he ran a credit report on my husband and I which I did not authorize.
Consumer complaint received 2022-03-03
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. (CO)

I'm applying for a mortgage and it currently showing on my credit report that my account is in dispute. However I'm not disputing anything currently so I need all disputes comments to be removed asap. I need the discover account dispute to be cleared and the comments removed. I'm purchasing a house so I need those disputes comments removed. Please close the disputes on my discover account and remove the comments asap. the discover account number should be ending XXXX.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to file a formal complaint against the ONLINE INFORMATION SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, Date Last Reported and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues. I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-01-27
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account in 180 days for no reason. I can't withdraw my XXXX XXXX  to my bank account. It's been 3 month since I reported this issue here but there is no help or action from the company. 
They send me an email that they removed my account limitation but still i can't withdraw my money. 
Please help me. I need my money back. I badly need it. I hope that it will resolve. 
My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (OR)

XX/XX/XXXX XX/XX/XXXX Company or " law firm '' I believe to be XXXX XXXX   representing the creditor has threatened lawsuit and damaged credit with multiple accounts/inquiries. Charging more than the original debt. An attorney from California ( XXXX attorney name and address was based in California ) filed a complaint with the state of Oregon as of XX/XX/XXXX. XXXX XXXX suggested filing an FRCA Complaint if the acronyms are correct. I am being forced into bankruptcy because of outstanding balances. There is a 2nd party on some of debt in question.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IL)

I submitted a complaint on XX/XX/XXXX to the CFPB regarding collection efforts by Sequium to collect a debt after I sent a validation letter and received no requested documentation in response. The initial complaint and the Company 's response are attached to this complaint.

As of today, XX/XX/XXXX, I have still not received any documentation in response to my validation/ dispute letter. However, Sequium is now listed as as a collections account on my credit report. The Fair Debt Collection Practices Act prohibits efforts to collect a debt when the debt has not been validated, if the supposed debtor requests validation of debt within 30 days after the first debt validation notice is received ( I have, see attached ). These efforts include listing the debt on the supposed debtor 's credit report. 

Further, the listing shows that the collections account was reported to XXXX  on XX/XX/XXXX, only three days following their response to my CFPB Complaint, in which XXXX XXXX states " The account has been placed in a disputed status and verification of the debt is being requested from our client and will be mailed to the address on file. Collection activity will cease providing you time to receive and review the validation of the debt provided by our client. '' I never received any verification of debt via mail or otherwise. Also, listing the collections account is, by definition " collection activity '' and due to the timing, I suspect it may have been in retaliation to my CFPB Complaint. A remark on the listing even notes " meets FCRA requirements '' when this is clearly not the case. 

This is illegal and predatory in the best of times, but during times as vulnerable as a global pandemic should be taken extraordinarily seriously.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (GA)

Hey hope all is well. I was looking through my credit report and noticed some negative accounts that were never AUTHORIZED/OPENED. I never gave these companies my personal information OR the authority to obtain my personal information on their own, they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me. I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts does not belong to me. Have them remove these thank you.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX XXXX XXXX / {$1400.00}
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MI)

In  XXXX   of 2016 I was need of some emergency cash. I responded to loan offer that I received via email. The process was prompt but I was not aware of the enormous interest rate. I borrowed {$550.00} and this far have money has been withdrawn every two weeks to the tune of almost {$2800.00}. I feel so stupid for being so desperate.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' or " XXXX ''
Consumer complaint received 2017-10-16
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: Commonwealth Financial Systems, Inc. (FL)

this is like the 15 th time i have had to make a report about this credit reporting agencies, XXXX, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX XXXX FROM COMMONWEALTH FINANXXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX XXXX 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU
Consumer complaint received 2017-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i started contacting them in  XXXX  concerning an entry of a bankruptcy. i sent a letter to clerk of courts office and was sent a letter saying this information belongs to someone else.transunion stated they used a third party to verify information but my report has security freezes on them.so they are being untruthful and is only suppose to take 30 days to investigate and it is way beyond that time.
Consumer complaint received 2017-06-15
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: EQUIFAX, INC. (AL)

SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE. EQUIFAX HAS ALREADY CORRECTED AND DELETED.  XXXX  AND  XXXX  HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM  XXXX  AND  XXXX . AND   XXXX   XXXX   FROM EQUIFAX
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (GA)

I am writing to complain unauthorized inquiries on my credit report. After reviewing my credit report, I have identified inquiries that I did not authorize or recognize. These inquiries came forth despite a fraud alert place by the reporting agency Experian with my contact information, all of which was not recognized despite their own policies. I request that these inquiries be removed immediately according to the FCRA sec 604 ( f ) and lack of permissible purpose. The unauthorized inquiries are listed in full detail in the attached supporting documentation.