davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

16th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (MI)

I sent a letter to equifax certified mail they received XX/XX/2022. In regards to a collection account XXXX XXXX  on my credit file.VIolations committed against me included by not limited too : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) : Furnishing certain deceptive forms ( you are not a party in the XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX  ) ( XXXX ) : certifiable validation and verification of alleged debts XXXX XXXX XXXX XXXX ; unfair practices attempting XXXX on alleged debt XXXX XXXX XXXX XXXX ( XXXX ) : False representation XXXX not a party to alleged debt by my consent ). 
XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX distribution of communication with authorization or approval XXXX XXXX XXXX XXXX ( XXXX ) XXXX communication without prior consent, expressed permission XXXX XXXX XXXX XXXX ( XXXX ) : communication XXXX prior consent, expressed permission XXXX XXXX XXXX XXXX : harass and oppressive use of XXXX XXXX an alleged debt XXXX XXXX XXXX XXXX ( XXXX ) : attacking my reputation accusing me of owing an alleged debt XXXX XXXX XXXX XXXX ( XXXX ) : use of obscene and profane language on my reports saying i owe these alleged companies. 
XXXX XXXX XXXX XXXX XXXX XXXX ) : Communicating false information XXXXInvasion of individual and family privacy XXXX XXXX : obtaining personal identification information without prior consent and creating an account in my name without my knowledge Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) states they have XXXX days to provide the procedure used to determine accuracy of account if XXXX asks for it failure to provide this information is violation of XXXX. XXXX deleted as they couldnt provide the proper documentation I requested.
Consumer complaint received 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In XXXX of 2018 I requested XXXX, Transunion and XXXX to validate the collections that they have reported on my credit report. XXXX, Transunion and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed Transunion 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 2020-04-24
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: EQUIFAX, INC. (VA)

I have repeatedly attempted to dispute items with Equifax that do not belong to me : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX Equifax often ignores the dispute, not responding waiting the required 30 days. 
Other times, they are unable to verify the items, yet fail to delete them. 

These items do not belong to me. The FCRA requires removal if they are not mine and can not be verified. XXXX  has failed to provide any documentation of these items, has failed to verify them, had failed to respond to me, and has violated the FCRA on many occasions. 

They are required by law to delete these items immediately, since they have failed to do so within the timeframe prescribed.
Consumer complaint received 2022-02-18
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. (OK)

I have several credit inquires on my XXXX, XXXX and Equifax that I didn't authorize at all! I have sent several disputes to XXXX, XXXX and Equifax however nothing as been done! I need these removed asap per the law! I have litigation pending for all 3 credit companies regarding this. I also need ALL PERSONAL STATEMENTS REMOVED FROM MY XXXX, XXXX and EQUIFAX REPORT INCLUDING FRAUD ALERTS. AGAIN, I NEED ALL PERSONAL STATEMENTS REMOVED INCLUDING FRAUD ALERTS. I have resolved all of these matters and don't need them anymore! 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-02-16
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My issue is different and wasn't listed as an option. I've been trying for days to register my MD unemployment card on the BOA website ( already have the app ) so that I can arrange bank transfers due to the limited withdraw amounts with BOA ATMS and the limit I can deposit in my personal account via ATM. I kept receiving errors about incorrect security info. I KNOW I was entering the correct last 4 of SSN and card info right in front of me.I finally had some success with getting the account registered ( online ) today, XX/XX/20. When I tried to add my bank account info to setup the transfer, it told me the account number was invalid.?? Not that it was, but how would BOA know about my other account? I thought maybe it determined it was another prepaid account by the routing number and that wasn't allowed. So, I tried another checking account from a major bank and the same thing. As this is happening, I noticed that in the app, it says the card is unavailable and to contact BOA for details, but still shows my balance. Calling the automated line says my card is closed and to press 0 to speak with someone and every single time, it says they're unable to answer my call and hangs up. So, in this very inconvenient time we're all living in and many of us are already relying on very limited income from UE benefits and BOA is making it quite impossible to do what should be, the easiest and most stress-free of tasks regarding accessing our money. On top of that, we can't speak to someone at BOA for assistance in resolving THEIR issue. I don't mind waiting on hold for a while due to the influx of call volume, but hanging up immediately on everyone without the option to wait, is just plain WRONG!
Consumer complaint received 2018-05-30
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. (GA)

I have disputed the debt being reported by XXXX XXXX XXXX XXXX with the company and credit reporting agencies. 

For Collections Account : XXXX XXXX XXXX # XXXX They have not provided proof of debt or any records and have continued to violated FCRA 15 U.S.C 1681
Consumer complaint received 2022-02-16
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. (AL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time permitted by law. Below are the accounts that are still reporting on my report : Late Close : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Late Open : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$4900.00} Date XXXX XXXX XXXX XXXX Balance : {$2700.00} Date XXXX
Consumer complaint received 2022-02-15
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. (CA)

i have wrong addresses in my report, i've never lived XXXX. I've written the bureaus about a year now and they refuse to remove these addresses. i have a government job, and can't get promoted, if there is deception, or they fill i haven't been honest with them. I can't believe something so simple has cost me time money and effort, and still in my reports. I've written XXXX governor, and lost what else i can do. I've never lived at XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Simple but has turned into a borad issues, where i live or do'nt live, who make de decicisions, a robot???
Consumer complaint received 2022-02-16
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. (NY)

XXXX IS REPORTING XXXX MULTIPLE XXXXIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX XXXX IN FOR XXXX " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.
Consumer complaint received 2022-02-16
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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. (RI)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00}
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NV)

I haven't been able to access my American Express Bluebird account online for the past 3 days. On XX/XX/21, I loaded {$1900.00} cash to my Bluebird card at my local XXXX. I went home and attempted to access my account in order to transfer money to my set aside account and pay some bills. I can't sign in to do anything. I called the number on the back of my card and, after holding for a very long time, got a foreign sounding customer service agent who was unable to help me. I am not the only person having no luck accessing their funds.
Consumer complaint received 2016-08-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Student Loan Finance Corporation (MN)

I have filed my complain previously to CFPB ( Case number : XXXX ) against SLFC regarding cosigning student loan. SLFC, in response decided that it will make the necessary transactions to remove me as cosigner from the loan and also agreed to take necessary steps to remove and repair my credit report and score that has been affected. Unfortunately my latest credit reports ( XXXX 2016 ) from all XXXX credit bureau indicating that the student loans still active in my reports. SLFC should take necessary actions to remove all these " active '' delinquency from my report.
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which was transferred from my wallet utilizing your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in your institution which is regulated.
Consumer complaint received 2017-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX I sold Test Voucher on XXXX The Voucher have expiration dates and the buyer was aware of it. 
The Buyer was supposed to used the voucher before XX/XX/XXXX on XX/XX/XXXX the buyer filed frivolous claim with XXXX and XXXX dismissed his claim. 
The buyer turn around and filed another claims with PayPal and PayPal refund the money without considering the facts. 
The transaction happened on XXXX and decide the case in my favor because they know the buyer was filing fraudulent claims. 
PayPal turn around and demand from me ridicules proof. 
PayPal intentionally ignored me and robbed me when they are aware that the buyer was not honest. 
The buyer claims with XXXX was not the same claim that he filed with PayPal. 
the buyer switch his story everytime and paypal refused to look into the facts that the buyer story is different every time and that the buyer did items was delivered.
Consumer complaint received 2022-02-12
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 letter from this company dated XX/XX/2022. This company have violated my consumer rights pursuant 15 USC 1692c ( a ) and ( b ). This company did not have my prior consent to communicate with me regarding this alleged debt. This company did not give me the right to dispute nor provided me with enough information to verify this debt. 
A cease and desist and debt validation was sent to this company on XX/XX/2022. This letter was delivered to this company XX/XX/2022. 
Tracking number : XXXX.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION Citimortgage is reporting from XX/XX/17 through XX/XX/17 that I was up to XXXX days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed Citimortgage Modification Office, my trail period was extended a few times. Citi provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,