davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-09-29
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: JPMORGAN CHASE & CO. (IL)

Chase Bank has willfully violated 15 U.S.C. 1681 S2 Responsibilities of furnishers of information to consumer credit reporting agencies, and other violations of the Fair Credit Reporting Act. On XX/XX/2021 I sent Chase Bank 2 ( two ) US Mail Certified letters. I requested a goodwill credit card adjustment on 3 ( three ) separate credit card accounts that I purchased, and had reassigned the credit card debts to myself. My request falls under 15 U.S.C. 1681 s2 of the Fair Credit Reporting Act, which I had stated in the two requests. Chase Bank received the requests on XX/XX/2021. On XX/XX/2021 I spent 3 hours on the telephone with Chase Bank representatives. They told me that they could not and would not help me. I sent the first request to the Chase Bank Correspondence UniXXXX in XXXX, OH and the other one to their Chief General Counsel XXXX XXXX XXXX via certified mail. While on the phone with a representative, they did admit that they did indeed receive the two request by looking up the US Certified Mail tracking number. They stated to me during the telephone conversations that they could not and would not help me. I do believe that their actions prevented me from exhausting my Administrative Remedy Process. I wish to submit this official complaint and request that you investigate this matter in your official capacity. also I am enclosing all of the documents that I had Sent Chase Bank.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC (GA)

XXXX XXXX, I email Consumer Financial 3 Months ago disputing this twice about this XXXX XXXX account that card had not been use since XX/XX/XXXX AND HAD A BALANCE OF {$4300.00} they were charging me {$380.00} monthly EXTRA beside me paying {$150.00} to {$200.00} for min. PAYMENTS. I DISPUTED AND requested to Consumer FINANCIAL PROTECTION INVESTIGATE THIS CARD AND MY ACCOUNT. THE NEXT THING I KNOW THIS CARD XXXX XXXX HAD CLOSED MY CARD ONLINE ALL STATEMENT GONE WITH OUT NOTICE. 
I WAS MAKING PAYMENTS toward account there NO STATEMENT IN XXXX I QUESTION THIS WITH XXXX. I Have ANOTHER CARD BY XXXX WHEN I CALL XXXX XXXX XXXX THEY INFORM ME THAT THIS CARD IS NOT PART OF XXXX XXXX. is when I ask Consumer Financial protection to investigate this and now they have place collection on Credit which should not be done on XX/XX/XXXX and On XX/XX/XXXX Collection letter from Alltrans Financial in XXXX tx. which I will be disputing this. 

I will contact Reporting Debt Collectors That Violate the FDCPA for unknow telephone calls using different number about 30 calls week No notice that they was collecting they post to account XX/XX/XXXX credit bur. and on XX/XX/XXXX A letter from AllTrans. 

this card by XXXX XXXX was in dispute and they know this. wrong amount, card had no charges since XX/XX/XXXX was making payments up to XX/XX/XXXX monthly. 

THIS HAPPEN TWO -THREE MONTHS WHERE THIS CARD SHUT DOWN MY CREDIT INFORMATION ONLINE AND CANCELED MY CARD. NOW LAST WEEK THERE A NEW COLLECTION WHICH I WAS NOT INFORM
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Paradigm Assets, LLC (NY)

On XX/XX/2022 the original creditor sent a letter stating they are not actively collecting the debt. Someone other than listed collector now owned the account, and that they were not collecting on the debt. On XX/XX/2022 the original creditor sent a letter stating the statute of limitations has passed, and again stated they were not collecting the debt. They did however ask me to send them money. They also said they were putting a statement on my credit report. I am against any statement on my credit report from entities with conflicting reporting practices. It's past the statute of limitations as they have acknowledged. Social Security income is exempt anyway. Account should be closed like the other XXXX account. 

On XX/XX/2022 collection agency told the CFPB they have " closed the account and removed any associated credit reporting tradelines '' but they did not as of XX/XX/2022. 
15 U.S.C. section 1692 ( e ) of the Fair Debt Collection Practices Act states the threat to collect a debt you have no intentions to collect is a violation. Close and remove tradeline as stated.
Consumer complaint received 2021-09-20
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. (PA)

Hi My name is XXXX XXXX with XXXX # XXXX. I am just writing to ask XXXX going on with your investigation, I wrote you the dispute letter over a month ago but I havent heard anything frm you. I hear you were required by the Government to respond to my request but I dont undestand why i feel like my letter was being ignored. i'm seeking all the help that I can to get these errors straightened out as soon as possible.
Consumer complaint received 2021-09-20
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. (LA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

Date : XX/XX/2022 Company : XXXX - XXXX Company Phone Number : XXXX I XXXX XXXX XXXX Paid A Settlement Amount Of {$280.00} ( Confirmation # XXXX ) For A Collection Account To Be Removed And Was Told In 21 Business Days The Account Will Be Removed From All Credit Bureau Reports/Account .
Consumer complaint received 2022-04-08
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. (CA)

I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions. This company XXXX has been known in the past to report wrong information as well as take advantage of consumers buying cars through them.
Consumer complaint received 2021-09-20
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)

Filed 4 disputes with EQUIFAX ( EQ ) to remove negative information from my CR because the reporting period is past 7 years for 2 accounts ( # XXXX, XXXX, XXXX, XXXX ). Basis for 1st account : 1st delinquency occurred in XX/XX/XXXX. Basis for 2nd account : 1st delinquency occurred in XX/XX/XXXX. Proof was sent in the form of Billing Statements I received from creditor XXXX, upon request and a Transaction History Report sent to me from the creditor XXXX XXXX XXXX XXXX ( XXXX  ). These document from the creditors verifies ( 1 ) the information on my EQ CR is inaccurate, ( 2 ) the negative information is past 7 years and ( 3 ) the accounts are at least 10 years old -and should be removed entirely. The point that EQ is negligent in upholding the FCRA - 15 USC 1681i ( 611 ) ( a ) ( 5 ) ( i ) ( ii ) ( iii ), is the fact that the same documents obtained from both creditors, as described above, were submitted with my disputes to both XXXX and XXXX and both credit bureaus took appropriate action and removed the negative information entirely and in removed the accounts. I am being harmed by EQ 's negligence, each day the negative information remains on my CR. I want them removed as required by law ( FCRA ).
Consumer complaint received 2021-09-20
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. (TX)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiry XXXX ; XXXX  XXXX Inquiry Date : XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date:10/13/2022 ; XXXX-XXXX/XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX-XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXXInquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date:XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX  Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX  InquiryDate : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date:06/16/2021 ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX XXXX  Inquiry Date:XXXX ; XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date:XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Consumer complaint received 2021-09-29
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. (FL)

ON XX/XX/XXXX I MADE A PAYMENT AGREEMENT WITH THE CREDITOR " XXXX XXXX '' ON MY CREDIT REPORT. IT WAS A CHARGE OFF. XXXX XXXX  HAS NOT REPORTED PAYMENT OF THIS CHARGE-OFF 'D ACCOUNT AS " PAID OR PAID CHARGE-OFF ''. I HAVE DISPUTED THIS 2X ALREADY. ASKING TO HAVE THIS ACCOUNT REPORTED ACCURATELY AND SPECIFICALLY AS A " PAID - CHARGE-OFF ''. CURRENTLY MY CREDIT REPORT UNDER THIS ACCT HAS MY " CURRENT ACCOUNT STATUS '' as CHARGE-OFF '' I GET EMAILED THAT THE DISPUTE HAS BEEN RESPONDED TO. THE DISPUTE ASKS FOR " VERIFICATION OFF PAID CHARGE-OFF AS AGREED '' STATUS THE CREDITOR RESPONDS " THERE IS A XXXX BALANCE / ACCT IS CLOSED '' AND IM TOLD THAT THIS DISPUTE HAS BEEN ANSWERED. IT HAS NOT BEEN ANSWERED... THEY DID NOT EVER STATE THAT THE CHARGE OFF IS PAID OFF AS AGREED. EQUIFAX REPS TELL ME THAT THEY HAVE RESPONDED TO MY DISPUTE... BUT THEY HAVE NOT. EQUIFAX TELLS ME THAT " ACCOUNT PAID/ XXXX BALANCE / ACCOUNT CLOSED MEANS " CHARGE OFF PAID '' BUT WHEN I ASK THEM TO THEN CORRECT MY ACCOUNT STATUS TO REFLECT THE DISPUTED " CHARGE OFF as " PAID CHARGE OFF '' THEY SAY " XXXX XXXX NEVER REPORTED THAT IN THEIR RESPONSE TO MY DISPUTE..THEY SAID XXXX BALANCE / ACCOUNT CLOSED '' THEY CANT MAKE CHANGE BECAUSE IT WASNT REPORTED THAT WAY '' I SAY ... THEN THEY HAVE NOT ANSWERED MY DISPUTE!!!! I ASK FOR A SUPERVISOR ... GET PUT ON HOLD THEN HUNG UP ON. 4X IN A ROW ON XX/XX/2021. 

CANT BE RESPONDED TO DISPUTE ... .THEN SAY YOU CANT MAKE CHANGE BECAUSE THEY DIDNT SAY IT IN DISPUTE DIRECTLY... THEM NOT ANSWERING IF THE ACCOUNT IS A " PAID CHARGE OFF IS WHAT I DISPUTED AND WHY ITS NOT REFLECTED ON MY REPORT. THEY NEVER ANSWERED THAT ... .BUT SAID AGAIN ... XXXX BALANCE - ACCOUNT CLOSED. THAT WAS TAKEN AS AN ANSWER TO MY DISPUTE ABOUT IT BEING A PAID CHARGE OFF. 

THEY REFUSE TO ACKNOWLEDGE DISPUTE WAS NOT ANSWERED PROPERLY THEN AND SAY THAT IT IS BEING REPORTED PROPERLY. PLEASE HELP WITH THIS ISSUE AS I HAVE DISPUTED MULTIPLE TIMES WITH EACH AGENCY WITH NO PROPER RESULTS ON DISPUTES OR HOW REPORTED ON CREDIT REPORT. EQUIFAX IS RUDE... UNPROFESSIONAL UNWILLING TO FOLLOW OR MAINTAIN THE GUIDELINES THAT CREDITORS HAVE TO ABIDE BY IN THESE INSTANCES AND I WAS TOLD TO CONTACT CREDITOR... REALLY ... I DID.. THRU EQUIFAX AND THEY TOOK A NO ANSWER AND MADE IT AN ANSWERED AND CLOSED DISPUTE.
Consumer complaint received 2021-09-29
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: SLM CORPORATION (NJ)

I wrote to the company to inform them that the inquiries in question were fraudulent and needed to be removed. Instead I was either not answered or sent notices that they had no proof of the inquiry even being put on my credit report. They never provided any proof that I was the one who ran my credit. 

The date is now XX/XX/2021, I have been contacting the following company for the past 3 months to no avail. someone was trying to get credit in my name as well as loans to do god knows what. They failed to assist and I am now filing a complaint. 

XXXX XXXX  salliemae XXXX XXXX
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

Information was reported wrong on my credit report causing issues. The report is mislead on information regarding previous address, XXXX worked for, and where I lived. I lived at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX before the change to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX 

I had lived in XXXX XXXX XXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-09-29
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: CL Holdings LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-09-29
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: CITIBANK, N.A. (NJ)

I wrote to the company to inform them that the inquiries in question were fraudulent and needed to be removed. Instead I was either not answered or sent notices that they had no proof of the inquiry even being put on my credit report. They never provided any proof that I was the one who ran my credit. 

The date is now XX/XX/2021, I have been contacting the following company for the past 3 months to no avail. someone was trying to get credit in my name as well as loans to do god knows what. They failed to assist and I am now filing a complaint. 

XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (TX)

My entire account was paid off in full with Money Lion some time in XX/XX/2021. Via telephone, I received confirmation that my account was paid off and that my account was deleted. Despite this, I have continued to receive emails telling me that I owe funds to my account. 

Since my account was deleted, I have no option to sign in and check to see if there's anything owed. I have contacted the company 3 times via telephone since the start of XXXX in an attempt to get a statement or email from the company confirming that my account was paid off, and was promised every time that I'd receive an email within XXXX hours. Never received any emails aside from those continuing to tell me I owed money to the account. 

I'm making this complaint because I do not want anything sent to collections by this company for my account not being paid, their lack of response on this issue comes off as shady and potentially predatory. I believe my Service Request # for the first phone call to them was XXXX, the second # was XXXX.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (FL)

Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX / XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX i believe it was reporting in error.
Consumer complaint received 2021-09-29
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. (NY)

I have freezes on my credit at all three reporting services because my personal information was released by Equifax in XXXX breech. 
On XX/XX/XXXX my credit freeze was removed by Equifax without my consent and someone tried to open credit accounts with my information. XXXX XXXX notified me about this. 
I contacted all of the companies that inquired and one contacted me. No credit was given in this case. 
Equifax had sent me a 10 digit code in XXXX after I froze my credit. 
In order to un-freeze my credit, I would have to call and give them that code. 
I never contacted Equifax but my credit was un-frozen. 
When I learned of this, I contacted Equifax to re-freeze my credit. 
It's an automated system now and all you really need to freeze or Un-freeze my credit is my SS # which is out there because of Equifax. 
I have placed a fraud alert at the 3 reporting services. 
Equifax freeze/un-freeze procedure does not protect my credit information.