davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

All Credit Agencies have corrected the Identity theft issue that stemmed from a breach that came originally from Equifax " Breach ''. No matter what I do and how many letters or legal documents I sent Equifax, they refuse to correct the mistake. I have sent licenses, legal court documents with correct name, medical records, mailings, passport cards, passport booklets with correct name and they continue to breach my information with incorrect NAME. No other agency has the incorrect name. It has caused me so many issues and identity theft and time. I have sent certified mail, registered mail, online information to Equifax and they refuse dispute after dispute to correct THEIR MISTAKE. At this point I want to OPT OUT OF EQUIFAX having any of my information or any of my financial records or doing any records of my personal information. This is my constitutional right. They are refusing to correct after numerous proof and UCC laws, letters, requests, certified proof, etc.. I NO LONGER TRUST EQUIFAX. I want them to NEVER have my information again. How do I remove my information from Equifax and OPT OUT completely from Equifax. I do not trust them and it is my RIGHT as a Private Citizen USC 1001 ( a ) ( 21 ) to never have them report my information again. I have told them to quit and desist and they are refusing. They refuse to correct everything I dispute though all other agencies have corrected. They are the reason for the breach and the reason for the identity theft. I WANT OUT OF EQUIFAX!!! IT is my constitutional right to privacy!
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (NV)

Good afternoon, XXXX, XXXX and Equifax. 
Removal of all addresses except : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (GA)

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 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 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 the information is inaccurate.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-19
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: SYNCHRONY FINANCIAL (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious XXXX XXXX & will continue to cause me XXXX XXXX XXXX XXXX  until it is resolved.
Consumer complaint received 2023-06-19
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: AMERICAN EXPRESS COMPANY (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX, and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2023-06-19
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

My parents had a reverse mortgage with XXXX XXXX XXXX XXXX XXXX XXXX. My father died in XXXX, and mother in XX/XX/XXXX. I am the executor of her estate. On XX/XX/XXXX, I informed XXXX in writing that I would refinance the mortgage and pay them off. I was in touch with them dozens of times between XXXX and XX/XX/XXXX via email and phone. They advised me that I could request up to two 90-day extensions. I requested the first extension which should have expired XX/XX/XXXX. On XX/XX/XXXX, they served Notice of Foreclosure. Ultimately, I closed on a mortgage on XX/XX/XXXX and did pay off XXXX ( which became Carrington Mortgage Service in XX/XX/XXXX. ) Included in the payoff was XXXX 's legal fees for filing the Notice of Foreclosure. On my attorney 's and my lender 's advice, I did not object to the pay-off amount because it would have scuttled the settlement. After the settlement, on XX/XX/XXXX, my attorney sent a letter to Carrington Mortgage Services attorney, XXXX XXXX XXXX, requesting that they return the legal fees. LOGS did not respond to that letter. On XX/XX/XXXX, I forwarded that letter directly to multiple email addresses at Carrington Mortgage Services. I received no response. I also incurred legal fees in having my attorney respond to the Notice of Foreclosure. It is my belief that XXXX customer representatives never processed my request for the first 90-day extension and that their outside attorney proceeded with the Notice of Foreclosure because of that failure to process the request. I understand FHA requires the availability of extensions. I provided the information that XXXX asked for in support of the extension request. Not once has XXXX/Carrington or their attorney responded to an email or letter requesting specific acknowledgement of receipt of documentation or of the extension decisions for which documents were submitted. The attached documents indicate the nature of my email communication with them - multiple representatives get in touch about extensions or short sales or the apparent absence of documents already submitted- no representative could pass me to a higher authority capable of rendering a decision. It seemed exactly like a shell game - one that cost my mother 's estate almost {$5000.00}. The attached documents include emails, letter, statements and email/phone log.
Consumer complaint received 2017-06-14
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. (MA)

an account was fraudulenty placed on my credit file by XXXX. Below is the account information i have requested a proper verification several times from XXXX to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me. XXXX XXXX - ACCT # XXXX DATE OPENED XX/XX/2016 BALANCE {$2200.00}
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a chapter XXXX XX/XX/XXXX and it was discharged XX/XX/XXXX but it is still on my TransUnion report even though it has been fifteen years and it is only suppose to be there for seven.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

These companies are violating the Fair Credit Reporting Act ( FCRA ). These companies have pulled my credit report without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection and Derogatory Remark - False Information Dear Equifax, I am writing to dispute a collection and derogatory remark that is currently appearing on my credit report. The inaccurate information in question relates to an account held by XXXX XXXX XXXX. The details of the account are as follows : Creditor : XXXX XXXX XXXX Date of Collection : XXXX Upon reviewing my credit report, I discovered that the collection and derogatory remark attributed to XXXX XXXX XXXX is erroneous and should not be listed on my credit profile. This false information is not only damaging my creditworthiness, but it also violates my rights under the Fair Credit Reporting Act ( FCRA ) Section 604, which mandates accurate reporting by credit reporting agencies. 



I kindly request that Equifax thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. Specifically, I request the following resolution : 1. Fast Removal of the Collection : I urge Equifax to remove the collection account associated with XXXX XXXX XXXX from my credit report as soon as possible. Given the false nature of this information, its continued presence on my report is detrimental to my financial well-being and creditworthiness. 



2. Fast Removal of the Derogatory Remark : Equifax should also eliminate the derogatory remark linked to XXXX XXXX XXXX from my credit report. This remark unfairly tarnishes my credit history and misrepresents my financial responsibility. 



I understand that, according to FCRA Section 611 ( a ) ( 5 ) ( A ), Equifax has 30 days to investigate and respond to my dispute. It is my sincere hope that this matter can be resolved swiftly, ensuring the accuracy and fairness of my credit report. 



In addition to this written communication, I have attached copies of supporting documents that validate my claim and provide evidence of the false information. Please review these materials carefully as part of your investigation. 



I expect regular updates regarding the progress of my dispute and request written confirmation once the investigation is complete. Moreover, I would appreciate receiving a revised copy of my credit report reflecting the removal of the collection and derogatory remark from XXXX XXXX XXXX. 



Thank you for your immediate attention to this matter. I trust that Equifax will handle my dispute with the utmost professionalism and resolve the issue in a timely manner. Please do not hesitate to contact me if any further information is required. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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. (TN)

I settled this already, out of court, back in 2019. The apartment agreed to take XXXX rent and let me out of the lease. It appeared on my credit a couple years later and I disputed it off. Now, its back again.
Consumer complaint received 2023-06-19
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2017-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (KS)

I am the durable power of attorney for my son. I have filled the DPA paperwork with Navient over 2 years ago. I have called repeatedly in response to mail only to be told multiple things, they do n't have th e DPA  on file, that it has expired ( they were reading the expiration dat e of the notary 's commission ), that they are unable to speak with me regarding the loan becasuse I am not empowered to deal with his loan, that I have filed the wrong paperwork, that they do n't have a valid signature, etc. This is just trying to renew his income-driven repayment plan for this year. The same thing happened last year. I am resubmitting paperwork again today per their request. There is no one at Naviet that I am able to speak to or who has corresponded with me that that is empowered to resolve this matter.
Consumer complaint received 2024-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

The car was totaled by the insurance company. 
XXXX XXXX did not honor their gap policy and a balance was due. 

They sent a " XXXX XXXX '' Settlement letter in XXXX in which I had XXXX  days from the date of this letter to respond, with hurricane XXXX things got delayed. 
I called on XX/XX/XXXX and was told this is no problem we understand how the mail can be. We will accept your payment of {$900.00} and close your case. " This was on a recorded line through them '' Since then they have stated it was not accepted for payoff and want me to pay more now. 
They are reporting to the major credit bureaus which is having a bad impact. This payment should only be truly XXXX  days late and also settled.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

In late XXXX I opened a XXXX XXXX XXXX XXXX. Which at the time on their website claimed i would receive a {$200.00} sign up bonus if i spent {$500.00} within 3 months I complied with the terms, spent my {$500.00} and paid it off. I never received my bonus after spending the {$500.00}. Over the next 2 months following I ended up spending over {$800.00}. After some googling some people claimed it took 3 complete billing cycles to have the bonus credited. I waited 4 months, and never got said bonus. I contacted capital one today ( XX/XX/2023 ) through a phone call and they informed me that the bonus is " not real '' and that on their end does not exist. I ended up, requesting to speak to a supervisor which was the highest escalation point, according to her, and the supervisor claimed she did not see the sign up bonus on her end, and it took me having to give her the entire URL to see it in which she informed me that there's nothing she can do about it after informing her that that's illegal to offer it and not grant it. Upon further inspection of their website, it seems like they raised the minimum from {$500.00} to XXXX which does not matter as I paid {$1300.00} over the course of the three months using the card. My phone call lasted 28 minutes and I was told that I was speaking to the highest point of contact that I possibly can. During the course of the call, the woman I was speaking to was rude, unprofessional, condescending and offered no resolution to the issue. Not even giving me a point of contact to reach out through to email. My phone call was at XXXX and lasted 28 minutes total. 

The link to their website is https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ I have screen recordings and screenshots to verify that the URL is legitimate and that at the time of me submitting this complaint, the offer is still on their website, but they are not giving it to anybody which is false advertising.
Consumer complaint received 2023-06-19
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed