davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (TX)

I locked my credit file at all XXXX credit bureaus XX/XX/XXXX. I got my XX/XX/XXXX Equifax credit file and saw a company I do n't do business with : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I complained to Equifax. Response said was to call XXXX. There is no XXXX XXXX. at above address and XXXX XXXX. in CA said they did n't know about XXXX XXXX at XXXX XXXX. I complained again to Equifax. Response was some XXXX nonsense about XXXX doing a " soft '' inquiry into my credit file because I had some business with XXXX!! Equifax 's reply is a XXXX LIE!! I believe Equifax wants money for inquiries and other services. Since Farmers is probably a BIG money company for Equifax, Equifax looked the other way and ALLOWED Farmers to access my LOCKED CREDIT FILE!!! Equifax HAS NOT TOLD THE TRUTH ABOUT WHY THEY ALLOWED FARMERS TO DATA MINE MY CREDIT FILE. THIS IS WHY I GET SCAM PHONE CALLS FROM CALIFORNIA. XXXX HAS A INVESTMENT PRODUCTS LEADS GENERATING OFFICE IN CALIFORNIA, I WAS TOLD BY XXXX XXXX. EMPLOYEES. EQUIFAX IS TRYING TO MAKE MONEY BY PRETENDING THIS IS A " SOFT '' INQUIRY. RIDICULOUS! MY CREDIT FILE IS LOCKED BECAUSE OF SO MUCH ID THEFT AND SUCH. EQUIFAX HAS BREACHED THEIR OWN RULES AS TO CREDIT FILE LOCKING!! Equifax 's XXXX services helps firms target credit bureau data base people ( customers ) for financial services. I tried to complain by phone. All the staff are hiding behind secret phone numbers. Online help? A joke!! 
Your upload software will not let me open scanned files separately. I can upload ENTIRE scanned file which you only need XXXX scanned pages, not XXXX scanned pages. So, you ca n't see what Equifax wrote to me and credit file troubles.
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I disputed a collection on my Equifax on XXXX XXXX and was given a case number XXXX and then checked my credit score on XXXX XXXX th and my credit score dropped XXXX points yet nothing on my credit report changed actually my XXXX went up XXXX point I would like to find out what happened if you could help with this I would be grateful
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (PA)

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2016-09-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

I obtained a loan in XXXX for an automobile through Westlake Financial Services for over {$16000.00}. I have been very ill for the last few years and feel behind on my payment. Unltimately, the car was repossessed in XXXX then sold by Westlake Financial Services. I received a copy of my credit report with fraudulent information. Westlake Financial Services has indicated this account is past due by {$1300.00}, currently delinquent by 30 days with a payment amount of {$430.00} and a balance of {$16000.00} none of which are true. I received a letter from Westlake Financial Services indicating the balance is {$13000.00}. I am XXXX now and I believe this company has a practice of reporting fraudulent information against consumers. I also do not believe this company is keeping accurate records in an effort to fleece consumers such as myself prying on us as a community.
Consumer complaint received 2017-03-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I called JP Morgan Chase on XX/XX/2017 asking to look into some weird spending activity at an ATM. The amount of {$82.00} was withdrawn 4 times, on a day I know I did not go to an ATM, and I would never withdraw the same amount 4 times. After looking into it with an agent, spending a long time on the phone, and probably recorded, she reported that that Non Chase ATM was in a location I could not have been at. So I began to look into other Non Chase ATM withdrawals I could not see the location of and discovered, while on the phone with her, that I had a total of over {$1100.00} fraudulent Non Chase ATM withdrawals. A clone card was made and somehow they were making withdrawals ( boggles my mind ). There were XXXX in total, ranging from XX/XX/2017 to XX/XX/2017 I reported the claim the very next day, or maybe even same day on XX/XX/2017, with a form I have a copy of. I was forwarded the amount taken fraudulently out of my account. Then on XX/XX/2017 I was sent notice from Chase, saying that my claims were not valid and the money was taken back out of my account. I called the claims line and was told, not because the claim and fraud was n't true, but because I had checked my account at a time earlier and had not reported the fraud ( that I did not see ) tat I was at fault. I had not reported it because I did not know it was fraudulent because the description only says " Non Chase ATM withdrawal ''. I make a lot of Non Chase ATM withdrawals, and may have only been checking for a particular transaction, not noticing the fraud. I actually only realized and became aware of the fraud on the phone with the agent, and if the call was taped there is proof of that, on the call. After I found out one withdrawal was at one location, I had her check another and another. Remember this is only a matter of 7 days from beginning activity to reporting it. When I called I was told that I could not appeal and that Chase could not be responsible because I had checked my account. I told them I did not realize there had been fraudulent activity till I called in. I have been told this a violation of Reg E ( 1005.6 ), the Electronic Funds Transfer Act, which limits liability to consumer if you report it within 2 days of **learning of the fraud**. In other words, not since it happened. As I said the " Learning '' happened while I was on the phone to them, and it is on tape. Quite obviously the fraud is true, the money was taken out of my account, and I did not know about it till I was on the phone to Chase. Why am I being penalized? Is there anything you can do to help, or anyone I can talk to?
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (TX)

On XX/XX/2021, Equifax mixed my file with another person similar to mine and they refuse to fix this. 

I have a rental collection from XXXX XXXX XXXX which has been disputed over and over and comes back as verified? 

XXXX XXXX XXXX has never sent me proper validation either. I demand this account be deleted from Equifax immediately per the FCRA.
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

I received a bill NOT A VERIFICATION on XX/XX/2021 XXXX by CAPIO PARTNERS for {$2200.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. I will send a OFFICIAL NOTICE and last request for a VALID debt validation with the following. 

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

3. ) Cease any credit bureau reporting until the debt has been validated by me.

4. ) CORRECT INFORMATION ABOUT ME BECAUSE NO SOCIAL IS LISTED AND ADDRESS PLUS NAME IS WRONG AND THIS WILL ESCALATE WITH LEGAL ACTION AGAINST COLLECTOR AND THE FEDERAL GOVERNMENT FOR BOTH CFPB AND HIPPA VIOLATION
Consumer complaint received 2022-10-24
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: Amsher Collection Services, Inc. (PA)

On XX/XX/2022 approximately 6 months ago an account was opened called AmsherCollectionServices. Called on by XXXX the original creditor. I feel like I am being taken advantage of by XXXX, XXXX, and XXXX. These three companies are violating my rights given to me by the FCRA ( Fair Credit Reporting App ). I DID NOT give them permission to access my NON PUBLIC PERSONAL INFORMATION nor did I CONSENT for them to furnish anything on my consumers report. According to 15 USC 1681 ( b ) ( 2 ) my permission is needed for ANY PERSON to access or furnish anything on my consumer report! Yet once again that permission was not granted by me. Not only are inquires being reported without due cause, but my rights to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 USC 1681 ( a ) ( 4 ). I demand that each and every item I disputing to be removed. There is no way any person can validate fraudulent activity! Due to my identity being used without my consent this is basically theft as defined by 18 USC 1028 ( a )! I am being harassed at work Please remove all request as soon as possible. Thank you!
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DE)

I was contacted by a representative from fair collections and outsourcing. I asked them to cease and desist all phone communication and they called me again. The also disclosed I had a debt to my mother in law In a attempt to find me. When I asked the name of the company the representative just called the company XXXX and not its full name. The representatives name was XXXX XXXX and she also was not willing to cease and desist call the moment I asked.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

I sent them a letter to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. ( The XXXX XXXX main company is also in XXXX Ohio ) I called where Mr. XXXX works at. The operator told me that he doesn't work there anymore. I asked if there was any other person taking my account and she didn't say and hung up. ( I sent a letter on XXXX XXXX .I called on XXXX XXXX. To find if they got my letter. That is when I found out Mr. XXXX didn't work there anymore. ) I called on XXXX, XXXX and spoke with operator and gave her my case number XXXX. She looked that up and transferred me to a location, never said where I was being transferred too. Automated service came on asked question. I tried answering questions. I wait on phone for 20 minutes. No One ever  came on. So I hung up. Tried calling the number I received the other day. It was the same automated thing from before. 
All I want to do is solve this issue. It has been going since XXXX with 5 collection companies and the problem started with Citibank/Costco visa credit card. 
That is why I writing again on this company XXXX XXXX because you can go to reference # from this complaint XXXX also from CFPB on XXXX XXXX, XXXX. 
At least Mr. XXXX could told me that the company was from XXXX XXXX. 
I feel that I have been lied to and harrassed by these companies. No one cares about me at all. They just want to go by what Citibank has for the debt. 
I don't owe the amount they are saying and no one is listening to me. Customers have rights too. There isn't anything in the fair trade act that has been done yet with this issue. 
I feel that I haven't been treated right. I have had to get someone to monitor my phone calls so I won't have to harrassed 10 times a day. Anyone who calls can leave a message for me to call back. I just want to be treated fairly. 
Integrity is very important. 
I also have been advised by a lawyer. He told me to go to the CFPB and also send the letters. I did that and never heard from anyone.The letter I received from XXXX XXXX on XX/XX/XXXX and also finding out from XXXX said to call XXXX. 
The amount was {$8500.00}. 
I just want to know who has taken over the account after Mr. XXXX.
Consumer complaint received 2022-10-24
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. (TX)

I have made several attempts to resolve things with Experian but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is my last attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent XXXX XXXX or XXXX XXXX. All XXXX credit bureaus are not on the same page about a late payment that's on my consumer report and now i'm paying higher interest rates on my mortgage.
Consumer complaint received 2018-08-06
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. (PA)

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX   XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the JHPDE FINANCE I , LLC ( Original Creditor Name XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SMITH, ROUCHON & ASSOCIATES, INC. (TX)

After checking my credit score, I discovered my credit score had decreased significantly. I then checked my credit report and XXXX and XXXX placed a collections for XXXX XXXX. I have not received any notifications of a debt owe by XXXX XXXX or Smith and Rouchon. I want this removed from my credit report immediately.
Consumer complaint received 2022-07-31
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX # # # # # # # # # # # # # # XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file as well.
Consumer complaint received 2022-10-24
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. (TN)

Nothing has been done on these accounts. There are numerous violations showing on my report. There are accounts that XXXX stated, were deleted, after their investigation. However, they are still showing on my report well over a month after they completed their so-called investigation. Also there have been 21 accounts added by Experian, after their investigation, that were not reported previously. These are accounts that are several years old, that the other two were reporting already. I have called all three Bureaus to dispute these issues and all I am told is that I basically have no control over what is done because they can report whatever they want. They would not tell me who did my investigation and I want all the information pertaining to the investigation they claim to have performed. I want the name of my investigator, their role in the company, who they spoke to, and if they contacted everyone that they are legally required to contact according to the FCRA. I will be notifying the Attorney General over this and I will be seeking litigation if nothing changes. How can my credit report be accurate if all three Bureaus are reporting something different? I have documented all the violations over the last 5 months, and I am prepared to take things to the next step legally to make sure that all the information on my credit report is accurate.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ). It is plenty stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Also, my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-24
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: T.S. Holdings (WA)

I have submitted dispute regarding the claim of collections to the creditors. I provided proof of payment and a moving damages report to IQ DATA INTERNATIONAL back in XXXX of 2022 or XXXX of 2022. They never told me my dispute resolution. The investigation took well over 30 days. The