davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX {$3500.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written permission, consent, or instructions. 

I have sent several certified letters to this company notifying them of a fraudulent account. A contract with my signature has not been provided. A contract with an electronic signature was provided. The bank credited my account for these fraudulent charges. I even submitted documentation that showed that a fraudulent bank account was opened in my name and that thieves were transferring money out of my account. These thieves lived in California. This company failed to do a thorough and complete investigation and disclose documents to me from that investigation.
Consumer complaint received 2021-03-05
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)

I recently filed a dispute XXXX stating I have fraudulent items on my report and it was said deemed correct. I reported that XXXX had a vehicle on my credit report which was not my vehicle but my ex XXXX XXXX. The information came back that XXXX didn't have any idea who she was. At not one point did I ever have ownership of the vehicle and was not notified of the repo until it was sold. In the claim number above XXXX stated they did not have any record of XXXX XXXX the owner of the vehicle and the only person to ever have the vehicle. I'm refiling the claim because I have proof they were being dishonest.
Consumer complaint received 2024-12-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NC)

US Auto Sales went out of business abruptly in early XXXX when I had just purchased a vehicle from them. The vehicle was repaired once under warranty within the first 15 days. I paid for the extended warranty on the vehicle through US Auto offered through XXXX and paid with my payments. Within a month the car needed another major repair and I got estimate and information over to XXXX to start the claims process under the warranty. I was then told the dealership had not made the payments to the company for the warranty contract and the vehicle could not be repaired. After trying to contact US Auto, to my surprise I found out they went out of business. 

I was stuck with a broken vehicle with a contract sold to a new company called Westlake Financial who advised they would not honor the warranty contract either. The car sat parked until it was illegally repossessed by Westlake. Today Westlake shows on my credit as a repossession charge off for a balance of {$19000.00} for a broken down XXXX XXXX XXXX that the company refused to repair. I dont know how to handle this and I am currently without a vehicle and have a repossession with a high balance on my credit.
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC (NY)

Its a scam telling me I owe money but Im a minor and its a telemarketer/phone scam ACI is the name of the company Phone number is XXXX If it helps I recently switched from XXXX -> XXXX XXXX XXXX did claim that I have spam call prevention but obviously it didnt work
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

On or about XXXX I contacted Mr. Cooper about closing my escrow account since am eligible to do so. A supervisor said that she entered the request in the system. I called several times after because I didnt see any movement in my mortgage account. On XXXX, I called back and was told that I couldnt because the loan to value ratio was at 80percent. I demanded a recount as clearly it was an error. Then they stated that I filed for a modification which I never did. Now i wonder if they are adding erroneous documents in consumer files. Then I was told ok we need to send you documents to sign before we can refund your escrow money and close the escrow account. I let them know that I was previously told that a couple weeks back. This is the second issue with this company attempting to hold my money or post funds in ways that benefits them. The last issue in XXXX, they took a large sum sent to be paid all to principal and made an advance payment which gave mr cooper more interest than entitled to. I had to fight to get that corrected. Please pull this companys reviews as many other consumers are stating that they are having similar issues. This company should be investigated for fraud because too many consumers are being affected
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

To whom it may concern, I never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following account : 1. I was never late on this account. 
XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. ( Under 15 USC 1666B this is a billing error. I was never late.

Please update this to paid as agreed.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY
Consumer complaint received 2020-12-04
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. (AL)

I recently challenged the validity of XXXX XXXX Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXXn updated the payment history to current with no late payment history based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information is true, Im requesting the information Equifax used to verify this account payment history in writing. If such documents can not be produced please notify Equifax to update this account on my credit report immediately. Equifax failure to validate the account violates my rights as a consumer. How is it that XXXX doesnt reflects a late payment. XXXX reflects late payment for XX/XX/XXXX and Equifax reflect late payment for XX/XX/XXXX. If the information was validated all credit bureaus would reflect the same information. Im requesting legal action to remove information from my account immediately
Consumer complaint received 2022-12-21
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. (NM)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

AM XXXX XXXX XXXX XXXX SINGLE WOMAN AND I AM SUPPORTING XXXX SMALL GRANDCHILDREN ON WELFARE. I WAS TAKEN ADVANTAGE OF AND TOTALLY SCAMMED. PLEASE HEL> ME GET MY MONEY BACK PLEASE. This all started on XXXX XX/XX/XXXX, My good family Friend named XXXX XXXX posted that she made XXXX profit with only XXXX down on bitcoin/XXXX XXXX When I started to ask XXXX if this was for Real, XXXX stated yes this was 100 percent legit and she has made money with the XXXX XXXX since XXXX. 
The Scammer in Question is listed as XXXX, XXXX. I went back and forth with XXXX XXXX who assured me this was legit and that this was her i was speaking to. Since i was XXXXXXXX XXXX in XX/XX/XXXX from a 30 year career in the XXXX industry and since my rent is so much money in XXXX XXXX California, I was really needing the money and of course since my good friend told me to do this i invested all the money i had in my 401k account and started withdrawing money, getting cash from ATM, XXXX from one account to the other, sending money to XXXXXXXX  and then from XXXX to a scammer called XXXX XXXX XXXX, i also sent XXXX cash thru a XXXX XXXX XXXX XXXX all this time thinking i was good and going to ma money because my good friend was vouching for this XXXXXXXX XXXX The final straw came when the scammer showed me my money in XXXX XXXX and showed me that i had made XXXX profit. Thi really excited me however they sent me an email stating that i was gold Status and would need another XXXX to get the XXXX out of the XXXX XXXX  account. That's when i said this is not right, and I tried contacting my Friend XXXX XXXX, no answer on the phone, or XXXX or XXXX XXXX, I finally got a hold of XXXX XXXX  daughter XXXX who had XXXX call me right away and XXXX said her XXXX  account had been hacked for the past two weeks and that i was not speaking to her and that she didn't know any XXXX or anything about Fore ealized then I had been scammed and i started crying so hard because this was all the money I had. I immediately told XXXX that i was on to her scam and she totally blocked me, I see that XXXX  is still on XXXX  and has not been taken off. I called my local police department and they said i had to file a complaint with the FBI which i already did and I am doing again. I realize i am not a high profile case but losing this money is a really big deal to me. 
Please this has taken a major tol on my mental and physical health please help get my money back Thank you
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I asked Experian to verify debt under the guidance specified in the FCRA, nothing was provided to me. This is my XXXX complaint as the first was to identify an inappropriate item report. This complaint is to express the lack of lawful compliance from experian to provide the evidence that substantiated the claim of validity. 



XXXX. 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes about the accuracy of any information in a consumers file within 30 days of receiving the dispute. 
XXXX. 611 ( a ) ( 2 ) ( 15 U.S.C. 1681i ) : The credit bureau must notify the creditor or furnisher of the disputed information within XXXX business days and provide all relevant details regarding the dispute. 
XXXX. 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ) : If the disputed information is found to be inaccurate, incomplete, or can not be verified, the credit bureau must delete or correct the item on the credit report promptly. 
XXXX. 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) : Credit bureaus are required to provide consumers with all the information in their file, including the source of any disputed information, if available. 
XXXX. 611 ( b ) ( 15 U.S.C. 1681i ) : Consumers are entitled to add a statement to their credit report if the credit bureaus reinvestigation does not resolve their dispute. 
XXXX. 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) : Furnishers of information, such as creditors, must provide accurate information to credit bureaus and correct any data they determine to be inaccurate. 
XXXX. 623 ( b ) ( 15 U.S.C. 1681s-2 ) : After a credit bureau notifies a furnisher of a consumer dispute, the furnisher must investigate the claim and respond within 30 days. If the debt can not be verified, they must inform the bureau to delete or correct the entry. 
XXXX. 611 ( a ) ( 6 ) ( 15 U.S.C. 1681i ) : Credit bureaus must notify consumers of the results of the reinvestigation, including any modifications made to the disputed information. 
XXXX. 611 ( c ) ( 15 U.S.C. 1681i ) : If the investigation results in the deletion of disputed information, the credit bureau must send notices of correction or deletion to anyone who received a copy of the report in the past XXXX months. 
XXXX. 611 ( d ) ( 15 U.S.C. 1681i ) : If requested by the consumer, credit bureaus must provide them with a description of the reinvestigation process used to verify the accuracy of the disputed item.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (LA)

I have tried getting a payoff on my mortgage since XX/XX/2021. So far the company has not provided it. I ordered it online in XXXX. I did it over the phone with the title company on XX/XX/2021 via 3 way phone call. I tried online today and the message said it would be mailed in 5 days. I called today and was told it will be faxed in 2 hours. 
I just need a payoff I have sold the home it is closing on the XXXX and this incompetent company will not respond.
Consumer complaint received 2022-11-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (FL)

The Initial Payment agreement was switched at the lease agreement. They charged it as a charge off and commits that I cant get anything removed off my account even if I pay them. The credit report Put is a way to fraudulent steal money from me per 16 CFR 455 ( the Used Car Rule ), other federal and state consumer protection laws, and the common law tort of fraud. Dealers may lie to a customer by saying a car is new when it has been used, or by labeling a vehicle as certified pre-owned, when no such endorsement was made by the manufacturer. In other cases, victims may have their down payments or trade-in vehicles misappropriated by the dealership.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-07
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. (GA)

Im submitting a complaint to you today to inform you 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 XXXXXXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-24
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. (GA)

When I reinvestigated my credit report on XXXX, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$120000.00}
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX XXXX so myself and my family can move to XXXX in XXXX TX. 

On Wednesday XXXX XXXX XXXX in XXXX PA told me I was good to get {$50000.00} XXXXXXXX XXXX  after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked XXXX for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These XXXX usually go for low 50s. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, PA XXXX or XXXX  in XXXX, PA XXXX that I visited on Wednesday XXXX? 

XXXX XXXX XXXX XXXXXXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my credit score and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or XXXX to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXXXXXX XXXX XXXX XXXXXXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged 2X for my Formula1 subscriptions. Then the subscriptions were removed so I paid but cant watch F1 live nor was I refunded. 

Thanks for your help. 

XXXX XXXX XXXX XXXX. 
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Consumer complaint received 2022-09-06
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)

In accordance with the Fair Credit Reporting act XXXXXXXX Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions