davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting 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 to the fair act XXXX account : XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-09-09
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: Experian Information Solutions Inc. (FL)

The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my XXXX XXXX and Experian reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX Inquiry Added XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXX-Date Inquiry Date -XX/XX/XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX -Inquiry Date-XX/XX/XXXX XXXX  XXXX, CA XXXX ( XXXX XXXX XXXX Name of Company - XXXX XXXX I -Date Added-XX/XX/XXXX XXXX  XXXX I XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Date Added- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry Date-XX/XX/XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX Name of Company XXXX XXXX XXXX XXXX- Inquiry Added XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX/XX/XX/XXXX XXXX -Inquiry Added Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-10-06
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-29
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 ()

I created my PayPal account to send and receive international payments. I turned my account from an individual account to a business account on XXXX XXXX, 2022 because I was not able to recieve my first international payment. I recieved my first international payment on XXXX XXXX, 2022. Later that day, I recieved an email from PayPal in which it was written that my account got permanently limited. The Ref. ID of that email is : XXXX. Because of that limitation, I'm not able to send or receive any payment through PayPal account. I haven't violated any of the laws as stated in their privacy policy but still they permanently limited my account. That's why, I want PayPal to lift the limitation from my account as soon as possible.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HOMEOWNERS FINANCIAL GROUP USA (NY)

Hi, I called a loan mortgage ONLY to check if I will be applicable to get a pre approve if I moved from XXXX  to XXXX  to buy a house without run my credit now because I will not move anyway now to the new state, he confirmed to me that he will not run my credit and he will only check the possibility of how much I may get as pre approve then he asked me to submit the application with all my details so he can check all my income and expenses ONLY. 

Please I need to dispute on XXXX  and XXXX  the hard inquiries i got because of him.
Consumer complaint received 2017-09-09
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. (CT)

i am probably one of the millions whose personal confidential information is part of the breach into equifax. i believe equifax should be held liable and responsible for each and everyone of the upcoming damages coming due to this breach.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

EQUIFAX ( 1 ) Glad CFPB is here ( 2 ) Problem : Media reports of massive data theft, ~ XX/XX/XXXX of EQUIFAX No notification by company.
As advised in media, went to company website. 

Complaint is EQUIFAX poor, arrogant, confusing response : -needed 6 digits of social -received annoying message ( below ) and still unsure what to do. 
-burden needs to be on EQUIFAX , not me, to fix its problems. 

Previously limited contact with EQUIFAX and others in this industry. ( My credit is good. ) But even on those limited occasions, I found this industry to be arrogant and quite able to find all kinds of excuses to not release 'free credit report ' or 100 % of information or freeze credit or otherwise comply with guidelines. 

URGE : -Breakup of EQUIFAX and others. 
-Regulation ( yes, I think government can be force for good ) of entire industry. Just one example, option for EVERYONE to freeze their credit by default with NO charge, NO delay, nonsense. ( Better : opt out of all information collection period. ) -Criminal prosecution of INDIVIDUALS at EQUIFAX .
Thank you very much. 



=========== " Thank You Your enrollment date for XXXX XXXX is : XX/XX/XXXX Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to XXXX and click the link to continue through the enrollment process. 

For more information visit the FAQ page '' ============
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (GA)

This account is inaccurate XXXX XXXX XXXX I'm unaware of this account and did not receive notification about of debt. Validate Prove it with a wet signature that this debt belongs to me. This information is inaccurate and an FCRA violation Also, please provide Validation of Debt and Method of Verification. Please honor all request of documentation.
Consumer complaint received 2017-09-09
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. (CA)

Equifax mishandled personal identification information of myself and millions of others, including names, social security numbers, birth dates, and addresses, putting our credit at risk during the recent security breach. Furthermore, the company discovered the breach on XX/XX/XXXX, waiting more than one month for consumers to be notified. I was potentially affected by the breach, according to their website. The company is further defrauding customers by requiring them to pay for freezes on their credit and advertising a protection service that may require payment in the future, in addition to waiving their legal right to sue.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: J J Marshall & Associates, Inc (MI)

JJ Marshall Assosciates Inc. has lied to all three credit bureaus repeatedly when I have tried disputing them on my credit report. This debt belonged to my husband and was discharged in his chapter XXXX bankruptcy case number XXXX on XX/XX/2017. JJ Marshall Assosciates Inc. keeps telling the bureaus that their information is correct and belongs on my credit report as an active collection. They will not tell the truth and I have submitted proof to each credit bureau. At this point I am able to sue for harm to my credit report as well as pain and suffering due to their illegal tactics and false reporting.
Consumer complaint received 2017-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have attempted to obtain the substantiating documentation to support that the alleged debt Portfolio Recovery is reporting on my credit profile and my requests have been ignored. I have disputed this account with the credit bureaus and Portfolio Recovery and they continue to report the account as accurate. I have not had an account with XXXX XXXX in the past so my request again is for this company to supply all legal documentation related to this account.
Consumer complaint received 2017-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank has simply refused to do business without cause and or reason. 

I owed a debt to TD Bank and I paid it back it was a simple {$100.00} debt. 

I received a letter in branch that it was resolved and I could open an account again. 

Then when I tried to it was denied and no clear reason was given.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XX/XX/2017. 

In view of the Equifax problem, I tried to use all the three (  XXXX, Equifax and XXXX ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX 2017. 

In view of the XXXX problem, I tried to use all the three ( XXXX XXXX and TransUnion ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Equifax apparently hacked. Stated check your credit report for free. Upon entering all my information, the system said " down for maintenance ''. It is XXXX on a Saturday.
Consumer complaint received 2017-09-09
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. (TN)

On XXXX XXXX, 2017, Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Upon visiting equifaxsecurity2017.com and entering my credentials, I received the following message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This indicates that some or all of my personal information held by Equifax has been compromised, which places me at significant risk of identity theft and/or financial fraud. This situation is made worse by the apparent incompetence of Equifax in its digital security practices, which indicates possible gross negligence of their handling of personal and financial information of consumers.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, 2017.
In view of the XXXX problem, I tried to use all the three ( Experian, XXXX and XXXX ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (GA)

I have been trying to dispute a collection account by the name of Cavalry Portfolio Services, that is reporting on my credit report as newer debt, but it is past the statute of limitations for the state of Georgia ; I have successfully been able to get it removed from two credit bureaus when I submitted the dismissal I received from court but XXXX is refusing to remove this collection account from my report, stating the information is accurate, even after submitting the dismissal letter. The information is definitely not accurate ; the account with the original creditor became delinquent in XXXX and there was no further activity on the account after that. That is 8 years and the statute of limitations for Georgia is 6 years. I am trying to buy my first home and this is damaging to my credit and I can not understand why XXXX will not remove the debt from my credit report after submitting a dismissal letter from where it was dismissed last year in XXXX of XXXX because the debt is too old to sue for. I need help with this matter so I can get this removed from XXXX.
Consumer complaint received 2017-09-09
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. (TN)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My account was moved from Ditech to XXXX on XXXX/XXXX/XXXX and I submitted my XXXX payment in 4 payments for XXXX. I called twice a day to ensure they gave me credit for XXXX/XXXX/XXXX. All documents sent to XXXX to find them in un applied funds and an escrow account. Di tech undermines the home owners and lie and cheat do we can go into forclosure
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BorrowersFirst, Inc. (FL)

I have contacted this company about 7 times already to correct the payment information on my account. After speaking with a supervisor about two times once they called me they agreed to remove the late derogatory information off my account. While I waited 3 months it 's still there I tried reached out to the company again and they informed me that they put the request for that department to remove the late payment and they reassured me that they will fix the report and notify the credit bureau so they can update the system.
Consumer complaint received 2021-09-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I applied for and was granted forbearance at the beginning of this horrible pandemic that we all are having to face last year. I applied again after my 12 months was up for an extension of the forbearance and I was pretty sure I was granted another 12 month forbearance clause with my mortgage, recently ( within the past 3 or 4 months ) I have noticed letters from my mortgage lender 5/3 or Fifth Third Bank stating that I currently owe in access of {$20000.00} on my mortgage account. Thats funny was I with the rest of about 75 % of all other homeowners in the forbearance stage in our mortgage accounts. I have always thought after the forbearance is over I would have the option to add those missed monthly payments on to the end of my mortgage loan as added months ( extended my loan basically?? )
Consumer complaint received 2017-09-09
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. (GA)

A company which I never chose to do business with, Equifax, allowed malicious actors to gain access to my personal information including my SSN and credit information. By negligently failing to protect their systems in an adequate manner, they have put myself and millions of other Americans at direct risk. 

Beyond that, I was not notified by the company themselves, rather only through social media and direct action on my own part was I able to discover that I was a victim.
Consumer complaint received 2017-09-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

On XX/XX/2017 I paid off my mortgage with XXXX XXXX XXXX XXXX. In the previous month, a car lease to XXXX XXXX was satisfied and closed. The lenders reported these account paid off and closed. My credit score has been decimated as a result. My score has been consistently in the 780-805 range for over 2 years. It is now XXXX because I retired debt. I have been diligent not to over utilize my credit, paid all my bills on time and have long standing accounts, one 32 years old. I have spoken to XXXX reps twice and XXXX 3 times. None of these people can offer any explanation other than I paid off debt. There are no human eyes on this calculation, only algorithms. How can these practices be acceptable or legal. I am retired and have worked all my life to maintain good credit and because I retired debt now I am being penalized. It is totally counterintuitive Please help me.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

equifax - they mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution and compensation in the form of a free ssn  change and identity theft services.
Consumer complaint received 2017-09-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (LA)

Money was taken out of my account by Direct Express that was suppose to go to my mortgage company through XXXX XXXX but there was an error and the mortgage company was never paid. My problem is trying to get Direct Express to put it back in my account.