davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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. (AL)

1. On XX/XX/21 I sent a letters regarding inaccurate and unknown things on my credit report. Items from XXXXXXXX XXXX XXXX  and XXXX, XXXX were deleted from my report. On XX/XX/21 after I realized these items came back on my report without me being notified by writing in 5 days which is a direct violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), I immediately filed another dispute.

2. I know that Both XXXX XXXX XXXXs and XXXX, XXXX have incorrect, unvalidated information because things such as the date of last activity, date opened, account status among other things are not identical across all bureaus. They are in direct violation of Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

3. Equifax has 7 derogatory accounts without creditor names on them and medical information! This is another direct violation. How am I supposed to even verify an account if I don't even know who to contact. I also know that all of these offenses should be a {$1000.00} each that the bureaus owe me in compensation. 

4. I feel as if I am being taken advantage of and my disputes are being ignored. They should be deleted they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach. 

I have done my research and I know I am entitled for compensation for these violations and they must be deleted.
Consumer complaint received 2022-07-05
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. (FL)

15 USC 1681 SECTION 602 A STATES I HAVE RIGHTS TO PRIVACY!

15 USC 1681 SECTION 604 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WET WRITTEN AUTHORIZATION!

CREDIT REPORTING AGENCY THAT THIS COMPLAINT
IS ISSUED FOR HASNT BEEN SENDING ANY LAWFUL AND/OR LEGAL PROOF OF DEBT BEING EXACTLY MINES ACCORDING TO THE FAIR CREDIT REPORTING ACT AND HAS BEEN VIOLATING ALL OF MY PRIVACY RIGHTS I HAVE SENT IN MULTIPLE DOCUMENTS STATING PROOF AND STATEMENTS SHOWING THAT IAM A VICTIM OF IDENTITY THEFT. I HAVE REQUEST FROM THIS COMPANY MULTIPLE TIMES FOR PROOF OF AUTHORIZATION AND PROOF OF VERIFICATION AND MOST OF ALL WET INK SIGNATURE OF ORIGNAL CONTRACT STATING THAT IAM OBLIGATED AND IAM FOR SURE THE ONE THAT OWES THIS DEBT OR ANY DEBT STATING AND BEING REPORTED FROM THIS COMPANY WE ALL KNOW THAT THIS COMPANY IS MOSTLY OPERATED USING A EOSCAR WHICH IS AN AUTOMATED SYSTEM THAT DOES NOT VERIFY OR VALIDATE FLESH AND BLOOD BUT ONLY THROUGH ELECTRONIC VERIFICATION USING PERSONAL INFORMATION THAT CAN BE OBTAINED THROUGH MANY FRAUDULENT AND TRAGIC SITUATIONS AND PLEASE BE AWARE AND HOPE NOT FORGETTEN THAT THE EQUIFAX DATA BREACH OCCURRED BETWEEN XXXX AND XX/XX/2017 AT THE XXXX XXXX XXXX EQUIFAX.PRIVATE RECORDS OF XXXX XXXX AMERICANS HAS STOLEN AND I MAY COULD HAVE BEEN A VICTIM OF THIS UNLAWFUL AND ILLEGAL IRRESPONSIBLE OF CONSUMERS INFORMATION CREDIT REPORTING AGENCY. 

CONTINUING OFF OF CASE NUMBER # XXXX CREDIT REPORTING AGENCY THAT THIS COMPLIANT IS ADDRESSED TO CONTINUES TO PARTICIPATE IN FRAUDULENT ACTIVITIES TOWARDS MY CREDIT REPORT ALONG WITH ASSISTING AND ABIDING NOT ONLY FRAUDULENT BUT ILLEGAL COMPANIES WHICH CONTINUE TO REPORT AND DEFAME MY NAME AND PUBLIC RECORDS ALONG WITH DAMAGING MY CREDIT SCORE AFTER MULTIPLE ATTEMPTS OF ASKING FOR PROPER VERIFICATION AND VALIDATION AND TO SEND ME THE CONSUMER A PROOF OF SIGNATURE AND AUTHORIZATION According TO THE FCRPA. AFTER SENDING IN MY POLICE REPORT AND MY IDENTITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION THIS COMPANY STILL KNOWINGLY AND WILLFUL INCOMPLIANCE WITH NOT ONLY THE LAW BUT WITH THE FCRPA THIS AGENCY CONTINUES TO SEND Falsely AND MISLEADING AND INCONGRUENT INFORMATION RELATING TO THE CURRENT INVESTIGATIONS AND DOCUMENTS SENT TO COMPANY AND BEING RECEIVED FROM COMPANY BUT COMPANY CONTINUES TO FALSELY MISLEAD THE CONSUMER FINANCIAL PROTECT BUREAU AS WELL PLEASE SERIOUSLY INVESTIGATE THIS AGENCY AND THEIR WAY OF HANDLING CONSUMERS INFORMATION AND THE FRAUDULENT ACTIVITIES THEY ASSIST ALLOW AND/ OR ABID IN. 

ALL INACCURATE AND ERRORS AND VIOLATIONS HAVE BEEN MARKED IN ATTACHMENTS ALONG WITH FTC REPORT AND POLICE REPORT.
Consumer complaint received 2021-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The business is attempting to collect a debt by filing suit against me a insolvent consumer as per 15 USC 1601. I have reason to believe and do so believe that I am the consumer in fact as in relation to 15 USC 1692a ( 3 ) and that I allege I have been furnished deceptive forms of communication in relation to an alleged debt obligation ; Notice, it is a fact that, I have reason to believe and do so believe, I the consumer / origin of credit owe no debt. Notice, I allege that in the matter of account / case / CAUSE NO. XXXX this new condition for matter of presentment is in dispute for the validity of a debt or to discover if no debt exists. They are damaging me for trying to collect a debt as per 15 USC 1692 ( k ) and furnishing furnishing false and deceptive rules of communication pursuant of 15 USC 1692 ( k ) by claiming I owe a debt. Since no lawful money exist and as per public law 73-10 my ability to pay was taken away and I can not legally ( pay ) a debt with a debt note.
Consumer complaint received 2021-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CFW Holdings LLC (MO)

Never received no where near what they are asking to pay back. Company charges very high interest on a loan that was less than XXXX dollars I believe not. Tried to settle for what was borrowed but no resolution I wasn't aware of total amount they wanted back would have never even bothered because this is robbery .They want me to pay back XXXX for less than XXXX dollars according to my credit report.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

At XXXX-EST today XX/XX/XXXX, I received a text saying " Your Chase card needs attention. Please go to chase.com or call XXXX. I called the number because my wife and I are working to resolve a current problem with Chase. A " representative '' named " XXXX with employee ID of XXXX '' asked for the credit card # and my last 4 social security numbers... which I provided. My wife overheard and thought it was suspicious and we hung up shortly after. I then called Chase at XXXX and was told the text was not from them and they didn't recognize the XXXX # as one of their call back numbers.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

This debt is an educational loan through XXXX XXXX XXXX XXXX a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for XXXX XXXX on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that XXXX was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to XXXX website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.
Consumer complaint received 2022-01-08
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 getting it back up and going. 
I am not sure if this is a mistake as I assume it has to be. I have not been able to get help from them for a long time. But I could just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Consumer complaint received 2022-08-03
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. (PA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts 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 accounts or information which is found to be opened due to identity theft. The dispute items 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 these files. 
XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts 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.
Consumer complaint received 2021-09-29
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$1900.00}
Consumer complaint received 2022-08-23
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. (CA)

Today, XX/XX/2022, I called Experian 's fraud department and spoke with an associate by the name of XXXX. I explained to XXXX that despite the multiple disputes and requests for correction and/or deletion of erroneous information, the agency has remained in violation of the Fair Credit Reporting Act in multiple ways. The agent was extremely argumentative and dismissive and continued to deny and misquote the laws that Congress has put into place to protect the CONSUMER. I informed the agent that the CRA has an obligation to report information that is TRUE and ACCURATE, and does no harm to the Consumer ; that pursuant to 15USC1681 ( a ) ( 3 ) -this role to report consumer credit information was not given but assumed, and with this is also the obligation to abide by the laws Congress has established. Pursuant to 15USC1681 ( a ) ( 4 ), Experian has continued to be unfair in knowingly reporting erroneous information without FIRST consulting with THE CONSUMER. The agent, XXXX, continued to deny any of what was said to be factual and refused to assist consumer with correcting and removing the erroneous and fraudulent information from the Consumer Credit Report.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Equifax is reporting a State of California Tax lien on my credit report they removed a long time ago, after receiving the tax lien document, 2 years later after months of not monitoring my credit they inserted the tax lien on my credit report, this time when they re inserted it, they duplicated the tax lien fraudulently increasing my debt from {$20000.00} to {$55000.00} they are in violation of the Fair Credit Reporting Act section 623, and in violation of U.S. Code ss 168i, this is willful violation by the credit bureau if this problem continues to persists, resulting in a lawsuit against equifax. Equifax swore under oath not to report anymore judgements, liens, or public records except for bankruptcies if the statute of limitations has not run out for that to be reported. They continue to lie about not being able to delete, which is clearly a tactic used to discourage the consumer from disputing, I know the laws, my rights, what they are, and are not supposed to do, They will delete the tax lien and the duplicate immediately, or I will sue, XXXX, and equifax had complied and removed the lien, and equifax is the only one that is in no ln compliance. And they are also reporting it past the statute of limitations by fcra for credit reporting anyway.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (FL)

Last week XX/XX/2021 - XX/XX/2021 Received a " Statement of Account '' in the mail from the following company : A.R.M Solutions, XXXX XXXX XXXX, XXXX, CA XXXX Statement claims I owe {$18.00} for a XXXX XXXX subscription XXXX I have NEVER had a XXXX XXXX subscription. 

I did some basic research about A.R.M Solutions and found it to be known as a SCAM company. That is why I chose not to make contact with them sensing I would just get the round around and pressure to pay what is not a legitimate claim. 

Filing complaint to ensure this false debt does not get on or have it removed from any and all credit reporting entities.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : XXXX XXXX XXXX XXXX : {$4100.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-01-08
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)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information
Consumer complaint received 2021-07-26
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. (SC)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CHECK INTO CASH INC. (IL)

On XX/XX/XXXX I went in to a check into cash and inquired about obtaining a second payday loan ( already had one with there company ) and she said yes it was okay to have 2 loans at the same time. This was incorrect, I was Auto denied because per check into cash customer service you can Only have one loan at a time. So I was deceived into signing a credit check disclosure. If she would have given me the correct answer of course I would not have applied. I spoke with check into cash customer service and they let me know only one loan was allowed at a time, I notified  them about the wrong information given in store and filed a complaint with request to remove the inquiry. 30 days later I was a sent the signed disclosure saying I signed it. Even though the rep either knowingly lied or did not know and neglected to make sure that I was able to have a second loan
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have a documentation from the state of Wisconsin confirming the dismissal order of a case that I was involved in, however it still remains on my credit profile from all three credit reporting bureaus.. 
I have tried working with many repair agencys with no results. This issue is affecting every aspect of my life and prohibiting me from moving forward.
Consumer complaint received 2021-09-29
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: LEXISNEXIS (FL)

I XXXX XXXX gave full permission and also include my id on this complaint XXXX Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, CA XXXX RE : My Credit Report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Enclosed are the following : x A copy of my credit report I received from your company. The fraudulent items are circled. 
x A copy of my Identity Theft Report and proof of my identity.

x A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, Your Name Enclosures : Copy of Credit Report Identity Theft Report Proof of Identity FCRA 605B, 15 U.S.C. 1681c-2