davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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. (GA)

XXXX claims they have a master promissory note with my signature on it. Please send me a copy of a bilateral contract in the form of the master promissory note that shows I am the obligated party for repayment to your company. 

Only the holder of an instrument has the authority to collect on a debt. If you did not sell this instrument you should be able to send me a copy of the original note. 

If you can not provide this contract delete this account from Equifax and XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/XXXX I had a inquiry hit for capital one card I didnt authorized.. XX/XX/XXXX I had another inquiry hit for capital one I didnt authorized I called and tried to get them removed but wasnt successful.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

XXXX my account was suspended without any noticed from chime back. So I contact chime to see why my account was frozen they told me I needed to verify my identity to unfreeze account so I did as I was told and provided all documents requested in a email to support @ chime and also to review @ chime no response so after 3/4 days I received a email fro chime requesting for information so I sent them over with no problem praying to get my money in the middle of a pandemic chime told me they was closing account due to me not following rules so I agreed to closed account and a closure check will be getting sent to me in the account of XXXX. Sad to say that didnt happened. Chime bank stole XXXX  of the money and sent me a closing check for XXXX terrible sad and ridiculous so I emailed chime and ask were is the other money they told me they sent it to unemployment I said how?? When the money never came from unemployment so I reached out to unemployment to ask did they receive any payment from me chime the told me no if chime sent them anything it be tracking number. but they did tell me they sent chime bank a payment of XXXX so the check chime sent me was from unemployment they stole the other XXXX dollars from me and all I want is my money back that I work for please help I have my attorney involved I have contact XXXX chime is still not complaining with me
Consumer complaint received 2022-03-15
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. (SC)

In accordance with the Fair Credit Reporting act the following creditors have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX Account XXXX XXXX -XXXX  Account # XXXX -XXXX  Account # XXXX 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 2020-03-05
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)

These accounts are fraudulent : XXXX XXXX XXXX XXXX {$880.00} XXXX {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX   XXXX  XXXX {$2700.00}
Consumer complaint received 2022-03-15
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. (TX)

On XXXX XXXX I disputed the inaccurate items on my credit report with Equifax, XXXX, and XXXX no response. I wrote requesting an investigation on XX/XX/2022 into the inaccurate items. To this date I gave yet to receive a reply or any type of acknowledgement regarding their investigation.Today XX/XX/2022 I am fed up. The following inaccurate information motion is as follows : Student Loans from US Dept ED need to be removed from my credit report from all 3 bureaus due to successfully completed the XXXX XXXX. 

Please Help thank you XXXX XXXX
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

I have disputed numerous transactions, I cant get into my account probably because they want to limit my account for the 4th time. I never got all the money so I disputed them again as it has been over a month now. 

a payment that was for services was refunded to a client, under a buyer protection and it is a service I tried to dispute this and several transaction including XXXX  and XXXX XXXX  charges that were unauthorized and it also would not allow me
Consumer complaint received 2022-03-15
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. (AL)

I filed a complaint a few weeks ago and the companies are responding to me stalling and not understanding what my letters are stating. I will attach all letters that were sent to me and the returned letters from the credit companies. I need to have this false information off of my profile.
Consumer complaint received 2022-08-02
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. (FL)

My name is XXXX XXXX XXXX I am sending this to request my full credit file. Including ( sources, report recipients, and summary of rights ).
Consumer complaint received 2022-03-14
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 reviewed my credit and noticed that there are account ( s ) on my credit report that was not me. These seem to be fraudulent and will need to be removed from my credit. The following accounts are : XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX {$540.00}, and XXXX XXXXXXXX XXXX {$9000.00}. 

Please see attached FTC Report and Clear Identification as what I was instructed to do from FTC in reference to these fraudulent account and I do not assume responsibility for any accounts listed
Consumer complaint received 2022-03-14
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. (NC)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX//2017 to XXXX XXXXXXXX XXXX XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.
Consumer complaint received 2022-06-09
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. (WA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX and 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, also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (KS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ; XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX 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
Consumer complaint received 2022-08-02
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Equifax on XX/XX/XXXX to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2020-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (FL)

On XX/XX/2020 I mailed check XXXX to Guaranteed Rate mortgage company for the amount of {$2100.00} which is the full amount. It was cashed before the amount was due on XX/XX/2020. The payment was due XX/XX/XXXX. 
Guaranteed Rate sold the loan to another company named XXXX XXXX. They wired the payment to XXXX XXXX. 
It has been 34 days and neither company knows where the payment is. I now have a derogatory mark on my credit. I signed up for auto pay and they would not take the XXXX payment out of my account. I had to call and give them my banking information and pay an extra {$20.00} to make the payment. 
I have had conference calls with both companies and their response is everything will be ok. I have spoken to my mortgage broker multiple times and asked him if I should make another payment as soon as I found out which was before it went on my credit as a late payment. 
I have went to full lengths to resolve this issue with no success. My credit is very important to me and this is unethical behavior. 
Attached is a copy of the cashed check.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud pursuant to Section 605B of Fair Credit Reporting Act. 
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 2022-03-14
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. (LA)

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX XXXXXXXX aka XXXX XXXX XXXXXXXX aka XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ATG Credit, LLC (IL)

Medical bill originated XXXX with XXXX XXXX. Bill was sent to 3rd party for imaging. That imaging company should have billed insurance. The bill was then sent to a collection agency. The bill was immediately set up, upon notice, on auto renewal payments since XXXX XXXX. XX/XX/XXXX the debit card was renewed and changed. The creditor payment fell into the next month once updated new card information. They received a double payment. They reported my account for the first time as delinquent in XX/XX/XXXX. This bill was not on my credit prior to the month of XX/XX/XXXX. I was told that there was a new law in effect letting them place this on my credit because of the XXXX payment. They are unable to tell me what that law is. I was told it is not their job to tell me. This company is ATG credit. I had excellent credit. This has inflicted derogatory on my credit. Once, I had became aware that insurance did not pay the imaging and sent to ATG I began and have continued to pay. I do not work for the company that I carried the insurance with for this bill to have them fix it. I just want the derogatory information removed. I have been paying this bill. I have copies of bank statements. The company also admitted to me paying it.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TX)

I already recently filed a complaint against Exeter XXXX regarding my balance still appears to be {$4300.00} for some time now. So when I made my payment this past XXXX on XX/XX/XXXX of {$210.00}, I'd informed them of the complaint filed and the reason. Well the next day XX/XX/XXXX, I received an alert from XXXX XXXX informing me that there had been a change. So when I go look to see what was going on, Exeter had dropped my score a whopping XXXX points! Going back to XXXX of XXXX! Also this balance is not correct. I should now owe {$3800.00} from XXXX months ago to this date .They as well updated my payment status on XX/XX/XXXX, and the amount as I've stated stayed at {$4300.00}! And when I made my payment this past XXXX, I asked what would now be my balance? XXXX  declined but stated that I could call back the next day for that status update, knowing that it would be Saturday! Now they are saying the balance is {$470.00}. So something is definitely off.
Consumer complaint received 2022-08-02
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update the inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I'm XXXX XXXX, and I'm sending the CFPB another another complaint. I was a victim of identity theft once more, and this is my sixth CFPB complaint requesting to block or erase the data from my credit file that was obtained as a consequence of the fraud. The Credit Reporting Agencies must delete any accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which must happen no later than 4 business days following XX/XX/XXXX, the date of the dispute letter I just sent. I had already shared this report in my CFPB complaints, and I am submitting it once more. Additionally, I have my questions regarding the authenticity of the information some credit agencies gave on some accounts because it was REMOVED from other bureaus and was UNKNOWN to me. This letter is to let the credit bureaus know that I will be suing them if they do not REMOVE the specified accounts from my record. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate disobedience. This is the LAST WARNING for you. The allegedly stolen accounts should be REMOVED, thank you. The following accounts need to be deleted as soon as possible : 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 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I was a regional XXXX for a company and signed up for cell phone service from XXXX cell phones. I made agreement for the business not myself personally. The rate plan and rebates given were all business incentives for the XXXX lines that I contracted for the company. During the time I was asked for personal information and told that the account was solely a business account and I was not on it. Bills were sent and paid by the corporation for 1 year or so. Due to poor service and major increase in prices after 1 year company dropped XXXX and I personally returned the phones to same store I set up account at. 
After nearly a year XXXX began harassing me for the amount owed which they included phones in the amount even though I returned them. I was no longer with the same company and I explained that and they left me alone. 
Recently they began harassing me again and reporting it to the credit bureaus as me being delinquent! When I contacted them and asked for the original contract and copies of actual bills that would show that it was a business account and not mine they never produced anything. They argued with me over the phone and told me they had my personal information and they would damage my credit by reporting it as collections. 
To summarize : The account was for a business that I worked at. 

The service was terminated by company. 

The phone were returned by me personally. The amount they want is wrong. 

The company and collection agency never showed contract or bills because they know the bill and payments came from company not me. 

They have put it on my personal credit to pressure me to pay something that is not mine. 

They are causing me to lose opportunities for career advancement and increasing the cost of obtaining loans for me personally. 

I am looking for legal assistance as well as help from the CFPB to file for harassment and punitive damages because they are abusing the credit reporting system to extort money from me that I do not owe. 

Now that they have merged with T-mobile I have discontinued doing business with XXXX also.
Consumer complaint received 2022-02-27
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 contacted Equifax by mail, fax, and phone and they refuse to honor this official document from the credit bureau since XXXX XXXX form the original bank stating the inquiries should be removed due to inaccurate reporting and now Equifax should be held liable for refusing to remove these 2 inquiries on my credit report after almost two years of disputes. This is ludicrous and the representatives within the company are not great for judgment.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (NY)

On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2020-03-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I am a XXXX veteran at the rate of XXXX XXXX, XXXX  XXXX and live in the state of Florida. Loancare, A Service Company, purchased my loan from XXXX XXXX XXXX  in the fall of last year. I submitted my tax exemption paperwork to them on XX/XX/2020. When I submitted the required information ( which was confirmation from our County Tax Assessor stating I was in fact tax exempt on a permanent basis ), and the company ( Loancare ) is still taking the funds and depositing in an escrow account. They will not tell me when they will cease and they refuse to send me the money they have already withheld. I am at wits end ( as I am on a limited income and could sure use that extra XXXX plus dollars a month. I don't know where to turn or what to do.