davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
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. (OH)

The STATE AL XXXX CHILD SUPPORT XXXX, AL XXXX. At XXXX. Shows up on my Equifax credit report with inaccurate and outdated information. The account was opened in XXXX this is correct.. The account type is OTHER I have no idea what this means. The activity designator is PAID_AND_CLOSED. The balance is correct XXXX. There's a check mark for paid on time the Equifax report shows 120 days late for XX/XX/XXXX, and no where else, going back 7 years up till present XXXX. Date of First Delinquency is XX/XX/XXXX this is incorrect. Date Closed XX/XX/XXXX this is incorrect the account should've been removed. Actual Payment Amount. Date of Last Payment. Date of Last Activity. Are all blank. It all contradicts. I was pre-approved for a mortgage and Equifax reports Serious Delinquency. Time since Delinquency is too recent or unknown. Number of accounts with delinquency. I have'nt missed a payment on anything in the last 7 years of this report. I've filed two disputes with Equifax and each time the report becomes more bizarre and is adversely affecting my credit score. Confirmation Number : XXXX submitted XXXX and showing closed. Confirmation Number : XXXX submitted XXXX and showing closed. Lastly it shows in comments as a collection account, Equifax added that. If anything its a chargeoff.
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (IL)

Company/Creditor : XXXX XXXX XXXX XXXX : Medical business bureau Collection Opened Date : XXXX/XXXX/17 Amount : {$81.00} Issue : I 've noticed on my credit score through XXXX that I have 1 account in collections. When looking at the account it appears to be from XXXX XXXX XXXX for {$81.00} and is currently in collections with the Medical Business Bureau. I never received a bill from XXXX XXXX XXXX and do not know what this bill is for. I also have not received any communication from the Medical Business Bureau about this debt and am only aware of the collection by monitoring my credit score through XXXX and by recently having my XXXX  information pulled in order to refinance my mortgage.
Consumer complaint received 2022-10-08
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. (MS)

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 Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX, Account Number : 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 2022-07-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

The company took more then 30 days to days to respond to my complaint which violates the standard set forth by federal law and the FCRA. A proper investigation did not take place. They failed to produce my written consent allowing XXXX XXXX XXXX XXXX XXXX to release my private information. I have no proof of contract with this company XXXX XXXX XXXX  # XXXX.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have attached a screen shot of a XXXX account reporting inaccuracies to all three of my credit bureaus and almost everything single line is reporting something different to all three bureaus. If anything is being reported to my credit bureaus it should be reporting 100 % accurate per the FCRA. This needs to be deleted ASAP
Consumer complaint received 2022-07-25
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)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$4100.00} XXXXXXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$440.00}
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (SC)

A collection was placed on my credit report about 2 months ago by Rent Recovery Solutions out of XXXX. They dated the open date as XXXX of XXXX. The original owner being XXXX XXXX in XXXX. On XXXX XX/XX/XXXX I was in an accident. Spent 42 days in a XXXX and a total of 105 days XXXX. At the time of the accident I had not even been living there for a month. I never returned to the apartment and was never notified of any debt. Additionally that was XXXX of XXXX and past the 3 year statute of limitations for the state of South Carolina.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I was reviewing my credit report because i always keep up with m credit but when i saw my scores going down when i research i find out companies pulling credit can affect credit scores etc. and i found some companies have been pulling my credit without my authorization. some of the companies i spoke with regarding one thing or the other are always asking for personal information but never say is it ok to pull your credit and then later on i see they have pulled my credit with verbal or written verification from me, i and i find out that they are not supposed to be doing that, and i can dispute all that I feel was not authorized by me. on XXXX the XXXX i called XXXX spoke to someone in the fraud department explained that i have contacted the company that pulled my credit they were not trying to help me and the said to follow up on my credit report in 72 hrs. ' not change i call again several time after no change. im writing asking to have those hard inquiries removed deleted from my credit report as i did not authorized and of them listed XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : Sales Financing Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquired on XX/XX/XXXX Business Type : Leasing and Rental Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been a victim of identity theft and I have continued to reach out to XXXX and they still have not removed these accounts from my report! I filed a police report, filed an FTC report, Submitted all documents to them and still have not removed it from my credit report. They are reporting incorrect and false information. Please have them remove these accounts from my credit report. Thank you.
Consumer complaint received 2018-10-23
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. (NC)

I always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts.XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018
Consumer complaint received 2022-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This JEFFERSON CAPITAL SYSTEM accounts with a balance of {$3400.00} and {$2400.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (OK)

PayPal email : XXXX My account with PayPal was in good standing for several years, until it was suddenly closed by them with no explanation as to why. Initially I was told that I would receive my funds 180 days after they permanently limited my account, however this was a lie, as it has long surpassed 180 days and yet I have not received a penny.
Consumer complaint received 2022-07-25
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)

On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2022-07-25
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

My account was closed and sold to another company.I didnt hear this company permission to my information.The company calls and mail me harassing letters about sueing.I have explained to them that I know nothing about there company and to stop calling but it continue to go on.
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MA)

I purchased a vehicle in XX/XX/2022 through XXXX XXXX of XXXX. The bank to finance the loan was Santander USA. 

In XXXX, my personal bank account was hacked multiple times and I had to adjust accounts and along the way, missed setting up the auto pay for the car payment. 

I had made a total of 1 full payment at that point. 

On XX/XX/2022, my car was repossessed due to failure to pay. I called immediately, and offered to pay the past due balance. They refused to accept it, and stated I had to pay the loan off in full ( XXXX ) in order to redeem my car. 

I attempted to work with a couple of other banks and a co-signer to refinance the loan elsewhere, but because the payments are not current, other lenders won't take it. 

Santander refused to accept payment to make the account current, stating I could only do so by paying the full loan amount. 

I am a single mother after a messy divorce trying to get her life back on track. The bank refusing to work with me to assist the situation, despite my having the funds on hand to rectify it, is abuse.
Consumer complaint received 2021-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I graduated from XXXX XXXX XXXXXXXX in XXXX of XXXX and even though I did not start paying my loans off immediately, I started the process around XXXX. I may have skipped some months due to hardship but XXXX has been 18 years ago. Everyone I tell this story to someone, they say it is unreal. I borrowed a little over {$17000.00} for College and I am still paying my loans off at 8 % interest. Due to the pandemic they have been placed on hold ; however, it was extremely difficult to handle a {$360.00} payment per month even without the pandemic. I have been with FedLoan Servicing now for about six years. I requested information on the payments that have been paid on this loan over the life of the loan by sending a letter to XXXX XXXX but never received a response. When I went to Fedloan Servicing, they did not give me credit for any of the payments I made with XXXX  and even when they increased the interest rate, I still do not understand how my balance changed from the day I left College. If I borrowed only {$17000.00} how can that balance change. I understand they added interest but the balance should never have changed. I have no understanding of how these payments have been calculated over the years and how the interest became so high. I am requesting an address where I can receive information on my loan since the day I graduated from college. I want information on every payment I have made because I have paid this loan out and when they are finished with me I will have paid it out at least 3-4 times more than what I borrowed
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On Tuesday XX/XX/2021. Someone fraudulently sent me {$1500.00} via XXXX  to my account. Upon calling chase to report this, they had instructed that they froze my account and that I can not withdraw or make any payments. I work for XXXX XXXX and I am on official duty and this has interrupted my ability to pay my rent as well as necessary fees. My transaction history does not show any interaction with this XXXX recipient and when I had asked the bank for this persons details in order to file a police report, they stated that they could not provide that to me. My account is now inaccessible and being that its my only checking account, this has led to financial setbacks. Please notify chase to release my funds and that Id like to close the account in order to avoid this issue from randomly repeating itself.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (PA)

I am a victim of Identity theft and as a result fraudulent inquiries and charges have been made on my credit card accounts and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WI)

A checking account was fraudulently opened in my name at Wells Fargo. They will not disclose who violated me and my personal information. I have reached out to them by phone and email with no response. I am wondering if Wells Fargo is up to their old tricks. Did they open this account in my name? Is this the reason they will not tell me who did this?
Consumer complaint received 2018-10-22
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. (WA)

Companies- XXXX/Equifax. Account.XXXX. Reporting inaccurate information on my credit report since XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX . Please remove this inaccurate item from my Credit Report as soon as possible if you have no proper reinvestigation proof. Thank you
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Around XX/XX/XXXX i was scammed by an online scammer who posed as a young woman who is knowledgeable about trading and investing in crypto. she advised me to invest in this Fraudulent company named XXXX XXXX XXXXXXXX. After I Invested a large sum of money both she and the company stopped all forms of communication with me and i was unable to withdraw my funds. I lost XXXX XXXX which is XXXX USD