davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 

XXXX XXXXXXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (SC)

This is my 3rd complaint on the same issue. I am responding to complaint number XXXX and complaint number XXXX. I have requested to see Verified record of Experian and XXXX files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer. 

i am uploading loading ; Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement,
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IN)

During Quarantine, I started using credit cards to buy food and such things as books and clothes. i was paying my bills and then I got more cards and it became impossible to pay all of them. 
Just so you know-I am on Social SecurityXXXX I am now working with a finance settlement company I got behind awhile back and started to get overdrafts. 
U.s. Bank-a bank I have been at for at least XXXX years. 
XXXX an overdraft and they took away my overdraft forgiveness. I didn't even know I had that. 
I had tried before to have overdrafts removed and was refused. 
Last month I was given 9-10 overdrafts-it cause me almost XXXX dollars. 
This month, they took that money out of my social security check. I make XXXX a month and almost XXXX dollars was taken from me. Now I am behind around XXXX XXXX I do have a line of credit and a loan with the bank I have been unable to pay. I can't pay. I can't buy food and the fact is I have no money. 
I pay my bills such as one for cable/internet and my phone bills. Everyday is now like something just get tolerate instead of liking. I honestly dont know how much longer I can take this. 
I also have my cat who needs to be fed and taken to the vet if sick. 
What do I do? What can I do? 
XXXX XXXX
Consumer complaint received 2020-10-16
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: Experian Information Solutions Inc. (IN)

I initiated a dispute with Experian for a collection account with a collection agency by the name of XXXX XXXX on XX/XX/2020. The dispute results shown that the account was deleted from my credit report dated XX/XX/2020. After reviewing my credit report on XX/XX/2020 I noticed the account was re-inserted and was not given notice of re-insertion of the unverified, erroneous, inaccurate and/or incomplete information being added back to my credit report.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance to FCRA, this list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I may presume that no proof of the alleged debt exist. 

DPT ED/XXXX account number XXXX opened XXXX DPT EDXXXX account number XXXX Dpt edXXXX account number XXXX Dpt EDXXXX account number XXXX DPT/XXXX account number XXXX DPT/XXXX  account number XXXX DPTXXXX account number XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX are the attorneys for XXXX XXXX, a former client of USAA. XXXX XXXX opened a credit card in 2022 which was the subject of fraud. USAA determined that indeed there was fraud but has repeatedly thwarted efforts to attempt to resolve including return of monies XXXX XXXX paid towards the payment of the fraudulent charges. USAA has thwarted efforts by our firm to attempt to resolve including failing to acknowledge the firm 's authority to seek out information regarding the fraudulent charges.
Consumer complaint received 2022-07-08
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)

This is in regards to account XXXX under XXXX XXXX XXXX my credit report. All 3 credit bureaus are reporting that I have late payments with XXXX XXXX from XXXX - XX/XX/2019, but this is incorrect information as I was not late on payments during this reported time frame. I have tried to resolve the issue directly with XXXX but they claimed to not be able to make any changes. I understand under my legal rights that any information that is inaccurate must be removed from my credit report.
Consumer complaint received 2023-06-01
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 filed a dispute with Equifax XX/XX/2023 for a debt listed on my credit from XXXX XXXX XXXX. I asked the company to verify this debt and they failed to do so. Equifax closed my dispute as verified. How could this debt have been verified when it was deleted from both my XXXX and XXXX credit reports as unverified? Both credit reports are attached to this complaint. Also no documents of proof showing verification from Equifax or the company. Equifax is failing to do a fair investigation according to the 15 USC ******* *** **** section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.They also violated my rights numerous times.The credit bureaus violated my given rights under 15 USC ****.According to : 15 U.S.C **** section 602 A. States I have the right to privacy. According to : 15 U.S.C **** Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. ****s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete this account immediately before further action is taken.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (GA)

There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately.

I have a right to PRIVACY and a right to fair and equitable credit report.

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer.

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer.

According to 15 usc 1681 c- requirements relating to information contained in consumer reports.

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (KS)

On XXXX I emailed the company FAYE SERVICING ( XXXX ) This email bounced On XXXX I faxed the payoff request to XXXX Per the instructions on their IVRU ( XXXX ) On XXXX I called in to see where the payoff letter was in the process of being sent and was told that it was scheduled to be sent to me no later than XX/XX/XXXX. I advised that the house was scheduled to be sold on Friday XX/XX/XXXX so it was imperative that I receive it as quickly as possible so the representative said he would put in a RUSH. 
On XX/XX/XXXX I contacted them again and was dismayed that the representative had no notes of a rush and said that they would deliver the payoff by XX/XX/XXXX. 

I asked that they send me the payoff immediately and they said the department that handles those is off and that they would again send a notice that they would RUSH it but would have no way of guaranteeing that the payoff would be sent by Friday. 

Their IVRU issues a Stern Warning that by calling them we acknowledge this is " An Attempt to Collect a Debt '' and yet when a consumer is making an effort to payoff the loan they do not comply with providing the Payoff Letter in a timely fashion. They can not hold my loan XXXX to milk additional interest out of me. They need to provide the payoff letter asap.
Consumer complaint received 2020-10-28
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. (VA)

On XX/XX/2020, I notified Equifax through CFPBs complaint portal, that XXXX inaccurate late payments in XX/XX/2020 were listed on my credit report. The companies Total XXXX and XXXX XXXX are listed on my credit report as XXXX XXXX XXXX XXXX The complaint is as follows : XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly XXXX points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. Despite this, Equifax has not only failed to correct my report, but have change the inaccurate 30 day late payments to 60 days! This is a violation of the FCRA and is unacceptable. These inaccuracies caused my credit score to plummet and has completed disrupted my plans of purchasing a home.
Consumer complaint received 2022-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICA FIRST FEDERAL CREDIT UNION (CA)

I received notification on XXXX XX/XX/2022 from XXXX that my credit score dropped XXXX points due to overdue unpaid debt. XXXXXXXX XXXX email stated the debt was reported by America First Credit Union. I called America First that same day as I have never had an account with them. I spoke to XXXX, and told her that I never had an account with America First. Finally, after a lengthy call, XXXX told me that they had a picture of my drivers license and asked me if I knew a XXXX. I told her that I don't know any XXXX. I then said what do I do next and she said report it to the FTC. This, I am asking for your help to resolve this. Thank You Very Much.
Consumer complaint received 2020-07-06
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: AMERICAN EXPRESS COMPANY (GA)

The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against XXXX. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for XXXX to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. American Express Account # XXXX Balance :  {$3600.00} 2. American Express Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.XXXX XXXX   XXXX Account # XXXX Balance : {$8600.00} 6.XXXX XXXX XXXX Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXXN Account # XXXX Balance : {$28000.00} 8.XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, XXXX has four days to remove and block these accounts. If not, I will reporting your company to XXXX XXXX, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, has violated my rights. XXXX. XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (WA)

The dealership breached the " dealer agreement contract '' and XXXX is refusing to follow through with demanding a repurchase of the vehicle, as stated in the contract, from the dealership. 

The dealership that I purchased my vehicle from provided XXXX with false information in order to obtain funding for my vehicle. " Ineligible vehicle 's for funding '', according to dealer agreement, include " vehicles previously used for commercial use '' and " gray market vehicles ''. The dealership lied on the application about the condition of the vehicle as well since it was a " new '' vehicle not " used ''. 


My vehicle is both. My vehicle is apart of the XXXX XXXX engine fire recall campaign. I had 3 years of XXXX percent payment history until I had catastrophic engine failure at XXXX. Between XXXX - XXXX miles, I have had XXXX engine replacements in 400 days and my vehicle was out of service 350 days. 

The dealer agreement also states that if " any false information is uses to obtain funding, the contract is breached and XXXX will demand a repurchase of the vehicle from the dealership ". 

The dealership added an additional {$600.00} in illegal " documentary service fees '' to the total amount financed on my sales contract. I have reached out to several different people in upper management, including their compliance manager, who did look into the additional fees and I was credited back {$600.00} to my balance. So they have acknowledged that false information was applied to my sales contract but will not look any further into following through with the dealer agreement.
Consumer complaint received 2021-10-28
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)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SOC SEC ADMIN OFFICE O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC (AZ)

On XX/XX/21 I received a phone call from a person unknown to me - I would not verify my address so they would not continue - after the call I did a quick internet search to find out who they were - it was Audit Systems Inc - so I called back to find out what this was about - verified and they told me I owed {$50.00} for a XXXX XXXX I said I paid it, they said I needed to send them proof or pay right now. I said no - I dispute the debt and they needed to provide the evidence as per the FDCPA, they said no I said you clearly don't know the law and they got louder said some numbers and hung up. I called back verified and told them to Cease all communications both verbal and written. 

At this point they are refusing to provide the validity of the debt.