davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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)

On XX/XX/2022 i sent a letter to Equifax to update a rocket mortgage late payment that was being falsely reported. They had updated the payment from 30 days late to current. Then i look at my credit report In XXXX and they changed it back to 30 days late which is a violation. I have attached my letter below. Due tho them reporting this late payment i am back not getting approved for apartment or a car.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (OH)

I opened a new checking account with Ally on XX/XX/XXXX. I did this because I received an email stating that I would get {$250.00} for opening the account and making a qualified direct deposit by XX/XX/XXXX. It also states that the deposit will occur on XX/XX/XXXX. 

I began contacting Ally in XXXX. I have had multiple agents tell me that I have qualified but they don't know why it isn't paid. They keep " escalating '' my case. I have also had 3 agents tell me that too many people took advantage of the offer so there are many people complaining about this issue.
Consumer complaint received 2022-12-30
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. (TX)

Good morning, On XX/XX/2022 I submitted a complaint thru the CFPB portal regarding an incorrect item on my Equifax credit report. This item is a XXXX XXXX (? ) Bankruptcy that I cordially asked to be investigated and removed. I also asked for their method of investigation along with supporting documents of this investigation as proof. 
On XXXX, Equifax reported back with quote " In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A NON DISCHARGED, OPEN OR DISMISSED XXXX  XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR XXXX YEARS FROM THE FILING. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' There are multiple reasons I am rebutting this conclusion... 
XXXX ) I asked in the initial complaint how the investigation was handled, supporting proof of documents from credit bureau or credit furnisher used for this conclusion, a response as soon as possible and for this incorrect item to be removed from my credit report. 
**in the response there is none of the above. 
XXXX ) I fail to believe they actually took the time to investigate this complaint due to the fact... The item I was disputing was in fact, a XXXX XXXX Bankruptcy yet in the response it quotes as " A NON DISCHARGED, OPEN OR DISMISSED XXXX  XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR XXXX YEARS FROM THE FILING. '' **This is in fact not a XXXX but XXXX that is showing as " correct '' on my report which EQUIFAX `` investigated ''. 
XXXX ) Finally, XXXX has no record of releasing any information to verify or dispute my claims since XX/XX/2022. 

I would like this item removed from my report and a correct report generated showing as deleted or just gone. 
This should not be a long investigation being as though Equifax only needs to show a document trail of the investigation and where the misguided information came from. 

Thank You XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NM)

The accounts listed below are incorrect and they are affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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)

In accordance with the fair crediting reporting act .The list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 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 U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 It also states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1681 c ( 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 cost to believe that the information is inaccurate
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Helbing Law Group (OH)

My Helbing Law Group complaint XXXX of all, I started the program in hope to consolidate all my debts and those of my wife as well. all my debts were around {$11000.00} and they promised me to consolidate all my creditors debts settlements for {$7700.00}. and that i will have a quick settlement and i was very excited to get rid of my debts. since i started the program last year, i never miss a payment, i was always on time. I'm working hard to take care of my family as a part time worker. XXXX hit all my my incomes and I'm hustling to feed my family and take care of their education and medical bills. i already pay to Helbing law group a total amount of {$4000.00} in order fund my settlement, but i was badly surprised and frustrated when i verify my account and discover that they made only XXXX very small payments to creditors and none of my debt was paid off. they add another year to the program, thing that bring another problem that make make me very stressful and confused. Also when i calculate all the payments scheduled for program, i will end up paying another extra {$3300.00}. Now, i talked to some of my creditors and we agree on a very comprehensive and understandable payments plan which i started already. they said i can cancel at anytime but it seems they want me to continue the program. I'm tired, disappointed, confused and upset. i don't want anything from them now, i request only my money back, since creditors almost calls or emails me every single day. i really need to stop this and move on for helping my family for all their daily needs. i don't want no more being in this program i need an entire refund of what they did not pay to my creditors so i can take care all of my debts of by myself. 
Helbing Law group and equity sales me {$2300.00}. me for further information, just contact me by email or phone call. Thanks.
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (DC)

I reported to the company about the potential problem and issue of the debt to be resolved and removed from credit inquiry the reporting has caused a negative value on credit by discrediting me and lowering my initial credit score in attempt to keep me bondage to their debt procedures I asked for it to be removed and resolved as a result to no discredit me and allow such negative derogatory remarks to keep me bondage
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX  I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( I HAVE NO XXXX XXXX.CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents
Consumer complaint received 2022-12-30
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

Wednesday XX/XX/XXXX I got card activated. Used it a couple of times then on XX/XX/XXXX I called back and they say they cant verify my phone number. XX/XX/XXXX called back again same thing I cant verify your phone number call from a different phone. How is that gon na help you want me to verify the phone Im using but call from somebody elses phone. I want my XXXX out but they want let me touch it to withdraw
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (AZ)

I had a car loan with bank in XXXX  and I would like to be added to the case Proceeding Docket number XXXX Initial filing date XX/XX/XXXX Status Post Order/Post Judgment. 

I had a high interest, please contact me at XXXX or XXXX
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (KS)

In XXXX XXXX XXXX I received an unexpected notice from Wells Fargo that both my checking and savings accounts would be closed due to ATM transactions. I never use an ATM and did not have significant transactions of that nature on my account history. I went into the nearest banking branch, which was in XXXX, CO. While there I inquired about this and the bankers could not articulate a concrete answer as to why my accounts would be closed or point to any particular transactions that were of concern. In response to this, a consistent history of disregard for me as a customer over the years and a failure to abide by laws I had witnessed in other occurrences as a minor, I decided to withdraw all my funds that day. Wells Fargo had placed a deadline for me to withdraw all my funds or they told me that they would mail me a check with fees attached to that. I never received any communication as to why both my checking and savings accounts were shut down randomly.
Consumer complaint received 2022-12-30
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

I am a natural person, i am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below to all me removed because according to 15 USC 1681, I have the right to privacy and i did NOT give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX XXXX Inquiry date : XX/XX/2022 Account : XXXXXXXX XXXX Inquiry date : XX/XX/2022 Account : XXXX XXXX Inquiry Date : XX/XX/2022 Account : XXXXXXXX XXXX  Inquiry date : XX/XX/2022 Account : XXXXXXXX XXXXXXXX  Inquiry Date : XX/XX/2022
Consumer complaint received 2022-12-30
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2022-12-30
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected toeliminate any records recorded on an XXXX XXXX XXXX XXXX XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. 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 2022-12-30
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. (WI)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-01-29
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. (VA)

Hi CFPB, For XXXX XXXX XXXX XXXX, my account is current and I am paying on time. could you please remove delinquency reported in Equifax, XXXX and XXXX credit score. XXXX missed payment from the XXXX XXXXXXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Consumer complaint received 2022-12-30
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CA)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX XXXX EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents
Consumer complaint received 2023-04-07
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: BARCLAYS BANK DELAWARE (CA)

Barclay is being intentionally deceptive by refusing to provide me with a way to resolve this debt. I have tried for months ( beginning late XXXX 2023 ) to determine the correct owner of this debt to get this resolved. Barclay refuses to provide me with information to resolve this debt beyond a number and company name that is only three letters. This account was investigated by XXXX within 24 hours on XX/XX/2023, and I have not received owner of debt, contact information, or account number. This is an FCRA violation that occurred during the height of pandemic.
Consumer complaint received 2022-12-30
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items 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 #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (FL)

Hello, this credit report companies insist they wont check my credit and still do and thats that biggest issue Im having now with multiple companies and its damaging my credit horribly I really need this problem resolved and a good friend told me about you all and I hope to get some answers on what can be done.