davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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. (MO)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Type : Chapter XXXX Bankruptcy XXXX XXXX XXXX Date XXXX Reference # XXXX Closing XXXX Asset Amount : {$0.00} Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Exempt Amount : {$0.00} *5 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer report agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

*15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I the consumer XXXX XXXX have noticed some unauthorized inquiries and accounts on my credit report which was the result of identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. please block and remove the following accounts listed in the attachments.
Consumer complaint received 2019-10-12
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: EdFinancial Services (NV)

XXXX ; Has Fraudulent activity and Incorrect information. Also XXXX has denied me access to credit report since XXXX! 

Identity theft and freezes have been exhausted over 9 years now yet my credit report score and file is inaccessible to me, my credit report and score severely inaccurate incomplete information as well as Fraudulent activity and accounts are the reason XXXX   XXXX  XXXX XXXX etc me XXXX lock and illegally have locked me out of my credit report file since as early XXXX. 

Each Bureau for Credit Score and Reports have made no evidence of protection for me and I have multiple years of out dated and aged student loans as debt and nothing else. Yet for 10+ years now 520-580 at best us associated with my identity and USA social security number. I'm outraged Beyond Critical conditions in my life Irreversible hardships onset of unsalvageable damage that affected my children and I. Physically XXXX emotionally devasted from lack of professionalism protection and the XXXX process and procedures per each major bureau terms of service and privacy policy facilitating this. Please excuse my brevity of the prerequisite for this discussion. Collectively couldn't case file as disputes I have to continue discovering discussion about this.
Consumer complaint received 2021-08-03
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: Great American Finance Co (IL)

IT HAS BEEN MONTHS OVER 5! And no on has followed up, I have sent confirmed tracked letters as seen in my.other complaints and called every company personally to always get a 'there is no way to confirm or deny ' or 'we will reach back out. ' Transunion just keeps resubmitted forms I guess to the companies but no one is keeping their word with fixing a thing, verifying or following up.

ILLEGAL ILLEGAL I was told 1. They are pre-approval soft inquires 2.they would all be " bunched '' together since I am shoping around so it would be like one inquiry 3. I had no idea they pulled anything at all, especially several times.

Every piece of proof is already on transitions hands or CFpB complaints filed before or mailed to the companies/car lots.

Please read through to find your company : Great Americ Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/XXXXXXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I have a business paypal ive had for years, it has over {$2600.00} in it which i cant transfer, withdraw, send to anyone or anything. I can login to my account but cant add any new cards or banks, when asked to verify my number it says its not accepted when its a att account with my name and address that matches the address on my account with paypal. Ive talked to paypal 4 times now on the phone have waited 72 hrs, 24 hrs, 48 hrs and now told to wait another 48 again which will end up the same outcome. I just want my money thats mine. Ive proved identity over the phone 5 times and they say itll be resolved but never has
Consumer complaint received 2022-04-20
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. (MO)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 1681. 
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 XXXX15 USC 1681 section 602 A. states i have the right to privacy. 

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

*15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-13
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. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist has been updating me weekly that they are still working on my account. The last call was on Monday XXXX and noted they'd call me on XXXX with an update/final but did not. 

I am now receiving notices that they sold my loan to XXXX XXXX XXXX  active as of XXXX. XXXX XXXX XXXX sent my welcome email dated XXXX followed by a delinquent notice dated XXXX. They've also been to my home and placed a hand written envelope labeled Confidential in sharpie marker on my doorstep. 

I am attaching attaching all including a rejection letter from Truist as to why they aren't correcting my credit reporting. 

I'm beginning to fear for my safety due to letter at my doorstep and on going harassment by mortgage lenders. Has Truist sold my loan during an investigation to avoid accounting for where my loan payments have been applied? 

Regards, XXXX XXXX
Consumer complaint received 2022-10-16
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. (NC)

THE XXXX XXXX XXXX Last reported XX/XX/2022 {$840.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2022 ( XXXX mos ) Account status Open Type Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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 — Investigation took more than 30 days
Company: Remex, Inc. (NJ)

XX/XX/22 XXXX XXXX REMEX INC XXXX XXXX XXXX. We have disputed this account. 


Thanks!
Consumer complaint received 2019-10-11
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (LA)

Pioneer Credit Recovery continuously calls my department here at XXXX, harasses staff, and leaves messages. The woman in question is XXXX XXXX and her phone number is XXXX ext. XXXX. 

I believe she is trying to collect on student loan debt, which SHOULD be in deferment since I am a full-time graduate student.
Consumer complaint received 2022-09-30
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. (DE)

I am a legal resident of Delaware and after doing some investigation on the company attempting to collect a debt. I discovered that XXXX XXXX XXXX. is not legally Licensed to collect debts in the state of Delaware.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (NY)

I have contacted all credit companies and creditors about these accounts that I have no knowledge about, Ive requested these to be removed many times because it is having a bad impact on my credit score and my credit report.
Consumer complaint received 2022-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

A person I met on a dating app named XXXX XXXX XXXX probably fake name ) tricked me and stole my money which is XXXX dollars. He lured me from multiple transactions to withdraw money from chase bank to XXXX  to fake app XXXX  ( also called XXXX  ). 

When the money went to XXXX  site above under my account there, they scammed me and stole my money. 

A private Investigation company was able to trace where the money went and found put they stole over XXXX XXXX dollars by scamming people. 

My money was last traced here and then ultimately XXXX to binance XXXX See attachment for transactions amount and police report. 

THE BANK CHASE IS REFUSING TO HELP GET MY MONEY BACK EVEN WITH THE POLICE REPORT Thanks
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX Been reporting late payments to Equifax & XXXX for XX/XX/2021 and XX/XX/2021 meanwhile all the payments on time sending screen shot of credit report and bank statement. XXXX service agent i spoke to her XX/XX/2021 at XXXX and she couldn't help did not understand the problem.this company doesn't have service for automatic payments every month and they charge you for calling in and making payments.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (GA)

I the consumer XXXX XXXX have noticed some unauthorized inquiries and accounts on my credit report which was the result of identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. please block and remove the following accounts listed in the attachments.
Consumer complaint received 2022-04-20
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NC)

The loan was paid off on XX/XX/2021. The company was overpaid by by {$31.00} ( refunded ). The company also received another over payment ( GAP Insurance Refund ) in the amount of {$990.00}. I have been told numerous times that this amount was already refunded and mailed back. I called multiple times requesting updates, but each time I get the run around and a different answer. I eventually escalated to a supervisor who was extremely rude and only frustrated me beyond words! This is a pandemic and Hyundai Motor Finance should know better. I could have used this refund to assist with my mortgage! They've been in receipt of this money for over a month now and have yet to refund. I have to call two additional times after today 's interaction just to get a proper escalation!
Consumer complaint received 2022-04-20
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, Untitled Account XXXX, Untitled Account XXXX, Untitled 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-28
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. (AL)

UPDATE!!!! XXXX XXXX has deleted the fraudulent bankruptcy on XX/XX/21!! I have attached the letter from them stating they were unable to verify the accuracy of the bankruptcy. FCRA, 15 USC 1681 The public records and the associated bankruptcy derogatory accounts must be deleted.

Previous message So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been dong a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX- {$6700.00} Open balance Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence- Please this is not mine.
Consumer complaint received 2022-08-13
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-07-17
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 (PA)

My wallet was stolen this past XXXX XXXXand I called PayPal about it the closed my account and all my stimulus and stuff are on there they saying I can't have my money they closed it after the refunded me the money and I can't even get the tax credit they giving right now I'm losing my place cause I can't even pay rent they have all my money it's around XXXX dollars
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Was selling something on XXXX XXXX and they messaged me wanting to buy it. Once they confirmed they wanted it they said they would use XXXX. They said to check my email for the payment and once I checked it I received an email that stated they needed to send an additional {$300.00} to upgrade my account to a business account in order for the {$80.00} to be released to me. I then spoke with them and they said they received the same email and would send the {$300.00}. I got another email confirming they sent the {$300.00} but in order for me to receive the money they needed me to send the {$300.00} FIRST and send a screenshot of proof then they would release the full {$380.00}. I sent the {$300.00} and the proof and then realized that I got scammed. The person removed themselves from the conversation once I called them out for scamming me.