davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (PA)

On XX/XX/XXXX I called the card issuer to pay my balance and to have the account closed. Once the payment was made, I asked the rep. to close the account, and asked if the account had been closed, which he stated yes. I asked will I receive anything in the mail stating the account was closed, he said no, but I will not be receiving anymore statements, only the last one that will show my final payment. That was true however, it did not have the account was closed or anything to show it was closed. I called back and was reassured that the account was close. Until XX/XX/XXXX when I received an email stating a payment was due. Immediately, I get on the phone to tell them that the account should have been closed on XX/XX/XXXX, but the XXXX ( XXXX XXXX stated that they could not close the account I asked why? He stated because I have to pay the bill, and I said I paid the account in full, asked to close it, and now you are telling me that I have to pay an annual fee for an account that should have been closed in the first place. He states, I told him that I would call him back about closing the account when I made the payment. I stated to him that did not make sense nor was it true. He went on to say again, he could not close the account. I called and spoke with several other reps. and they tell me the same thing, they can not close the account.
Consumer complaint received 2024-02-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (FL)

They ignored the letter that was sent. They kept sending collection notices. They do not have a phone number to contact to explain the situation. They only provide letters of collection with threats of suspension of driver 's license.
Consumer complaint received 2019-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (TX)

Company is attempting to collect a debt of {$9500.00} that is not owed. I was sent a letter on XX/XX/2019 stating that I owed it with absolutely no proof of debt.
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. (TX)

I found out that Equifax was recently struck by a cyberattack that resulted in a security breach of personal information. Upon going to their website and filling in my information, it was mentioned that I could be impacted by this breach. I am extremely worried about the potential for identity theft from this incident.
Consumer complaint received 2024-02-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc (NV)

A phone number with a California area code called me on XX/XX/XXXX in the morning, he said he was a debt collector and the call is being recorded, he asked for my name. He continued to say i owe recent towing charges on a car i sold in XXXX ( 4 years ago ). He said its XXXX $ for a towing company, i told him i sold it legally and i have a signed bill of sale with signatures and dates. He said its because i did not have a smog certificate when i sold it, i told him it was smogged and had certs the year i sold it in XXXX. He was very aggressive and said 3 times in a row " you dont care about your credit? '' these were real red flags. i told him i will not pay as this is not my debt. I told him to send me a letter, he said they did send a letter but it was to my old address, he said its not their fault the address was wrong. I gave him my current mailing address to mail a letter so i could see it, he took the address. I asked if i could email them about this because i wanted to see this in writing, he said they dont work like that? another red flag. This sounds like a scam. the website of the so called company did not even have a section where i could review my bill? only a " make payment '' section. The man sounded very uneducated and a lowlife. This must be a scam.
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 my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and 143 million others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing parties ( that THEY have injured ) up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach as well as paying restitution to those injured by this event. The negligent loss of personal information of hundreds of millions of consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2016-09-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Arcadia Holdings, LLC (PA)

Arcadia Recovery Bureau invaded my privacy and ran my credit report with XXXX despite having never notified me of at debt that they claim that I owe. To my knowledge, I have no outstanding debts I collection. I am also on the opt out list.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Unauthorized transactions caused my account to be wiped out overnight without any fraud protection from my bank. Bank has denied my claim stating that I authorized or gave someone authorization for the transactions. I was able to pull phone records showing over XXXX incoming and outgoing messages, calls, and pics to an international bank from my device while it was reported stolen. I also found two unauthorized international transactions that were in a pending status with the address of a person in Florida who used my phone number & billing address. I faxed all of this information to my bank to substantiate my claim that this was fraud on my account and I did not authorize these transactions.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have made two requests that CFPB investigate the reason that TransUnion will not send a copy of the information that they collected about me to me. In the past they have sent 3 or more copies of their Credit report to the address that they have but refuse to send a current report to the same address. Although they send requests to the address that they have requesting that they be provided personal and private information and a verification of the address that they are using. TransUnion collects information about me that I have not given permission for them to do. I have no legal obligation to provide them with any information, whatsoever. I am only asking them to comply with the statutes and provide me with the information that they have to the address that they are currently using. Thank you.
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)

I am submitting this claim because I was implicated in the XXXX  2017 data breach at Equifax. It is extremely disconcerting that this company lost the most sensitive type of data that is possible to lose. This is particularly egregious because Equifax runs a service that is *required* to operate in the modern world and economy. For example - a credit score and report is required for every apartment rental I 've ever applied to. This means that it was n't truly an option to become a part of the Equifax database which has now been compromised.
To date, I have no knowledge of any personal identity theft or financial harm as a result of this breach. I simply want to have this event on the record, should I suffer any financial hardship down the line from this event.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX 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. (IL)

Equifax was hacked on Thursday. 

On Friday, I checked to see whether or not I have been affected by the hack. Equifax has demanded that I wait until XXXX to get protection from a threat of identity theft caused by their mistakes. 

Not only this, but if I were to sign up for their protection, they demand that I waive the right to litigate against them ( again for their mistakes XXXX. 

It seems to me that while Equifax has been hit hard by this crisis, the fact that they are not willing to own up to consumers even remotely and are ill equipped to protect them makes Equifax primarily responsible in this case.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have been a XXXX XXXX XXXX for almost 5 years, I HAVE ALWAYS PAID ON TIME EVEN THOUGH I FELL ON SOME HARD TIMES I ASKED THEM TO FORGIVE THE LATE PAYMENTS AS A COURTESY BUT THEY CLAIMED THAT THE LATE PAYMENTS ARE ACCURATE BUT THEY ARE NOT THEY NEVER PROVIDED ANY VERIFICATION OF LATE PAYMENTS NUMBER ONE NUMBER TWO I EXPLAINED MY SITUATION OF BEING WRONGFULLY TERMINATED, EVICTED FROM MY HOME, LOSING MY CAR, LACK OF UNEMPLOYMENT BENEFITS, MY FAMILY DISOWNING ME DUE TO MY LIFESTYLE OF BEING XXXX AND BEING USED BY SO CALLED FRIENDS!!! THEY LACKED A LOT OF EMPATHY AND EMPLOY XXXX XXXX XXXX ALONG XXXX XXXX  THIS SITUATION HAS BEEN DAMAGING TO MY XXXX HEALTH CAUSING ME TO XXXX XXXX XXXX XXXX ALONG NO JOB OR HOUSING DUE THEM NOT REMOVING THE LATE PAYMENTS LIKE I ASKED, HOUSING FOR PUBLIC IS FULL AND MY SITUATION DOES NOT QUALIFY FOR A LOT OF ASSISTANCE PROGRAMS ARE LOW COST DUE TO THE SENSITIVE NATURE OF MY SITUATION!!!! THEY SEEM NOT XXXX XXXX XXXX XXXX XXXX XXXX  AND THEY NEED TO REMOVE XXXX XXXXXXXX LATE PAYMENTS AND PAY {$160000.00} IN LOST WAGES!!!
Consumer complaint received 2024-02-10
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and I've been receiving letters stating I'm using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent item on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 


I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of this fraudulent item is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Item : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove this fraud item or collection account in my credit file : XXXX XXXX  XXXX Balance : {$1500.00}.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

This debt is not mine I wanted off my credit if its not off I will file a Cease order against you. Someone use me personal credit to get something or pay something I dnt know and they never paid it. So the company thought it was mine I never did this ... ... I demand it off my credit in XXXX  and XXXX   or face the consequences of a Cease order file against you. I want off my credit now.
Consumer complaint received 2019-05-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

On or about XX/XX/XXXX, I was approached by " XXXX XXXX XXXX XXXX '' about being approved for a home equity loan on my property in XXXX, Ohio. It was my parents home and my name was never on the title to the property. Never the less, I was approved for a XXXX loan ( I don't even remember getting that much ) Shortly there, the loan was transferred to " XXXX XXXX '' who ended up going bankrupt. They then put me on a forebearance plan. Then it was transferred to " XXXX XXXX  '', then XXXX now, it is with Shellpoint Mortgage Servicing. The loan was predatory in the first place, I should never been given that type of a loan, the way my financial situation was, then and now. I am currently in foreclosure and don't know what to do. Also, at the end of XXXX, the XXXX county auditors did an appraisal on all the property in the county. My house was determined to be only XXXX and the mortgage company is saying I owe them XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX $ these accounts are not mine was fraudulent open I have police report and ftc report to prove immediately remove these accounts from my credit report immediately and return my score and profile back to normal
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 30 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. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 30 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. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.