davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} 15 USC section 1681 a ( i ) ( 2 ) states medical information about the consumer can not be furnised 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a2 states a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a2 states a consumer reporting agency can not furnish an account without my written permission Fraudulent inquiries -- -- -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have sent over MULTIPLE letters, disputes and made too many calls to count. I have verified my identity, sent in documents from XXXX XXXX that my file was compromised. whomever hacked in through my bank has my driver license number, address, social security number, birthdate, account number and anything eles that was on file. 
I have done everything the credit reporting agency has asked and more and they will not remove these items. Pleas someone help me!!!!!
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (CA)

I received a replacement card from direct express. I've had their card for several years. I tried calling to activate it since I got it ( XX/XX/2021 ) at approximately XXXX XXXX. I was put on hold for hours. In fact I stayed awake all night trying to reach them. No answer. Now I'm very ill XXXX XXXX XXXX XXXX, and I need access to my money. So at XXXX XXXX  XXXX XX/XX/2021 XXXX. I called and now they just hang up on me. Repeatedly. If my health gets worse because I can't buy the food and medication that I need because they will not answer the phone to activate my card. My family will hold them accountable.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXX, XXXX XXXX acct # 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 2022-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-04
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. (FL)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX rovide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2021-02-26
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 ()

PayPal closed my account for no reason and will not help me get it back and get it up and running. I'm not sure if this is a bug, as I suppose it must be. I have not been able to get help from them for days in any way but just remembered that I could report here because I feel like they are not doing their job properly and it is affecting me a lot as I used PayPal to get paid for my services quite often. My email linked to my PayPal is XXXX. This is affecting my mental health because they want to unfairly hold my money for 180 days in this pandemic situation.
Consumer complaint received 2022-08-17
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. (CT)

I recently submitted a request for an investigation of the disputed account, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. CREDIT BUREAUS records show that it was incorrect. Since the investigation was done improperly, I need this to CORRECT of the listed account from my file pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) XXXX XXXX Balance Owed : {$950.00} Please confirm the information shown in this account is 100 % accurate or FIX this account information from my credit report because I believe it may be erroneous.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (FL)

I disputed some transactions on my PNC Bank account. 

On a recorded phone call I was given the expectation that my account balance would be restored in two business days, this was on XX/XX/XXXX. 

On a second recorded call a few days later I was again given the expectation that my account balance would be restored in 3-4 business days, after the phone call I was locked out of my account this was XX/XX/XXXX. 

It is XX/XX/XXXX and my account balance has not been restored. PNC needs to be held accountable for the expectation that they set for me as the customer.
Consumer complaint received 2022-09-25
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: CAVALRY INVESTMENTS, LLC (NJ)

My complaint is actually with the Company reporting my credit to the 3 credit agencies. Back in XXXX I had a problem with my XXXX  Credit card, They had a charge of {$740.00} on my card that I did not make. I went back and forth with XXXX many times about this and finally sent them the bill back telling them I refuse to pay the balance until they provide a receipt of what I have purchased. I than had a XXXX XXXX that was removed in XXXX and this was forgotten about. I recently studied my credit report and it appears Calvary Portfolio Services took over this bill. I disputed it with the 3 reporting agencies looking for proof of what I had purchased. Calvary sent me a copy of the same bill I have been receiving from XXXX with NO explanation still on what was purchased. I have attached my copy of what I sent XXXX in XXXX and a letter to Calvary. If they are not able to show what I purchased then this should be removed from my credit report. They also said my account is " Now subjected to resumption of collection efforts '' I'm not sure what that means but it sounds like punishment for a complaint. My Social Security # XXXX
Consumer complaint received 2022-03-28
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: Informative Research (TN)

I received a credit alert informing me that this company " Informative Research '' home loans requested a copy of my credit report on XX/XX/2022. I have not applied for any loans, mortgages, or other financial products with this company or any of their affiliates. I did not apply for any credit on or around XX/XX/2022. I did not give this company authorization to access my credit report and I have no idea why they did. I searched this company online and found reports from multiple consumers who have experienced this same issue. I have previously been a victim of identity theft and this may be a result of that past identity theft. I contacted the credit bureau directly and was told that I needed to contact this company and alert them and request that they tell the credit bureau to remove the inquiry.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2022 i opened a credit account. Both my XXXX and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

EXPERIAN is reporting inaccurate information on XXXX. The account has been re-aged or the information is inaccurate of date of delinquency. The account deletion is stated for next month for XXXX on XXXX. Experian has the record being reported until XX/XX/2028. The record is inaccurate therefore this is a FCRA violation therefore immediate removal is requested.
Consumer complaint received 2022-10-14
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. (LA)

Balance is paid in full. I need it corrected. This is causing me not to be able to get a auto loan at a acceptable rate. I have to be in Florida soon to start work, and this is causing me not to be able to go with the high rate this card is causing me to have. I need it fixed immediately.
Consumer complaint received 2021-06-04
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. (NY)

I am writing because I sent letters to the 3 bureaus about 5 or 6 months ago to address these fraudulent inquiries and collection accounts that I know nothing about. These bureaus and companies are affecting my credit and no one is responding to any of my complaints in trying to fix the situation. They are violation laws by reporting wrong information as well in all those reports that I seen, saying the same accounts were opened on different days and that's not right. I am a victim of the Equifax breach and these are all false and I need help in rectifying this. If this can not be resolved then I will have to seek litigation because this is criminal that they doing.
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (GA)

An entity purporting to be a legitimate debt collection agency, Harris & Harris , Ltd., sent a fraudulent deliquency notification for treatment provided XX/XX/2020 by XXXX XXXX XXXX XXXX. The notice provides telephone number XXXX. When I called to verify the notice by providing the reference number, the entity terminates the call. The address listed for remitting payment is Harris & Harris , Ltd. c/o Trustees of XXXX University, XXXX. XXXX XXXX, XXXX XXXX, NY XXXX. A pay by phone number is XXXX.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX XXXX XXXX : {$250.00}
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (VA)

Credit Control Corp. is reporting on my CR, fraudulently. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Credit Control Corp. or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Credit Control Corp. I have yet to witness a " wet ink '' signature between XXXX XXXX and Credit Control Corp. nor have I ever received a True Bill in commerce in regards to this account. Credit Control Corps has levied and/or trespassed upon Me, the living woman, without due cause. There is NO valid contract.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (VA)

Dept of Ed/Aidvantage is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of Ed/Aidvantage does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I received a Collection Letter Dated XX/XX/2022 from XXXX XXXX XXXX. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with Jefferson Capital Systems LLC. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by Jefferson Capitol about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from XXXX about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.
Consumer complaint received 2020-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have owned my home since XX/XX/2008. 
The original loan amount was {$70000.00} I was told that PMI had to be included. 

I have paid my loan on time for over 12 years. 
The house is worth three times as much as I purchased it. 

Every year, I ask for the PMI to be removed and every year, I get a different story. 
This year, I asked and the representative told me that I indeed qualified due to I have paid up to the amount to remove only for Wells Fargo to come back and state '' now you need more money. 

I would like the PMI removed.
Consumer complaint received 2020-06-04
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX {$54.00} DEPREDXXXX {$11000.00} XXXX {$3000.00} XXXX {$0.00} XXXX {$23000.00} DEPTEDXXXX {$2100.00} XXXX {$410.00} XXXX {$59.00} XXXX {$16000.00} XXXX {$0.00} XXXX {$1800.00} XXXX {$7500.00} XXXX {$1400.00} DEPTEDXXXX {$8500.00} XXXX {$500.00} XXXX {$200.00} XXXX {$450.00} XXXX {$450.00} XXXX XXXX {$870.00} DEPREDXXXX {$11000.00} DEPTEDXXXX {$13000.00} DEPTEDXXXX {$8700.00} DEPTEDXXXX {$870.00} XXXX   XXXX {$710.00} XXXX {$590.00} XXXX {$460.00} XXXX {$4200.00} XXXX {$20000.00} XXXX {$23000.00} XXXX {$17000.00} DEPTEDXXXX {$5500.00} XXXX {$0.00} XXXX {$1600.00} XXXX {$1800.00} XXXX {$200.00} XXXX {$1700.00}
Consumer complaint received 2022-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Transform Credit Inc. (GA)

i have contacted the credit bureaus and sent police report this company refuse to delete this from my report. Also in the fair credit reporting act 602 A and 604A they are violating my rights. this account was opened in 2018 they are still reporting it as open in order to reduce my credit score every month while i try to have this account removed. and account is suppose to report closed after 180 days. this company refuses to comply with anything in a legal matter.
Consumer complaint received 2022-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Properties Group, LLC (MA)

On XX/XX/2022 Aspen Properties Group LLC notified me that they will modify my mortgage. Aspen however conducted a foreclosure sale of my home on XX/XX/2022. I was under the belief that Dual Tracking was illegal. I worked diligently with Aspen to get a loan modification and supplied all the required information that Aspen requested but was blindsided when my home was sold. I am still in possession of my home but was notified that there is a new owner of my home.
Consumer complaint received 2022-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IL)

I was charged over {$300.00} when student loan payments were paused after Aidvantage took over XXXX loans. I did not approve or restart automatic billing but Aidvantage charged me any way. I called to get my payment refunded and the agent told me they would return my payment in 6 weeks. After 6 weeks I called and they now have an automated message that says payments will take 10 weeks to return.
Consumer complaint received 2022-09-25
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. (VA)

Dept of EdXXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of EdXXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.
Consumer complaint received 2022-03-28
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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