davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

To whom it may concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 

This company has failed to abide by federal law and furthermore has hindered my ability to obtain credit by illegally placing accounts on my credit file in which they have not sent me verified proof in the form of a consumer contract with my signature verifying that the accounts belong to me that I have asked for under my rights as a natural person. This is a violation of my rights as a natural consumer and a blatant invasion of my privacy. It is with the companies best interest to provide me with proof of what they are reporting on my credit file or be held in contempt with violating my natural rights which constitutes a {$1000.00} fine for every violation that I choose to bring forth to this company. Please also send me proof stating that I gave your agency permission to furnish, distribute or sell any of my personal information. 

Continuing on it is this companies best interest to due their due diligence and provide me with lawful evidence under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ( a consumer contract with signature ) to back up previous " verified information '' or delete these illegally reporting items because I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please be aware that you have 30 days from the date of receipt of this complaint to respond to this dispute to the address that you have listed on file. 

I, XXXX XXXX give express permission to have this dispute processed and I have attached my identifying information. 

I demand the following accounts be verified or removed immediately. 
XXXX - CARD SERVICE XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law.

2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report.

3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.
Consumer complaint received 2024-11-08
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. (NY)

THE COMPANIES LISTED ON THE REPORT ARE IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (CA)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX Balance Owed : {$20000.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am highly disappointed with this company with the way they are handling this issue I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in a word document, I am a victim of identity theft.I have mutiple accounts I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information.I reported the theft of my identity to the federal trade commission and enclosed copies of the report, I will like these items deleted from my credit report as soon possible.I have attached my affidavit and other supporting documents
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

CareCredit Card from Synchrony Bank On XX/XX/XXXX I called into Synchrony bank to make payment my Care Credit card. I have multiple Deferred interest payment buckets and one standard purchase bucket. One deferred interest bucket was expiring in XXXX After speaking with the agent I had a payment of XXXX {$170.00} set to payoff my deferred interest bucket expiring in XXXX and my Standard purchase bucket that was currently accruing interest ( ~ {$41.00} deferred bucket, ~ {$130.00} standard bucket ). The agent advised she had it set to disburse in that way. 
The following day, upon reviewing my account, I found the Deferred interest bucket expiring in XXXX was paid as instructed, however the remaining {$130.00} of my payment was distributed across all remaining buckets and did not go to payoff the Standard Purchase bucket, that is actually accruing interest, as I had instructed and as the agent on XX/XX/XXXX advised. 

On XX/XX/XXXX, I online chatted with XXXX XXXX XXXX attached ) where we discussed the mistake, XXXX agreed that an error had occurred and was going to submit for a correction. 

On XX/XX/XXXX, I found no correction and called into speak with an agent. The agent again confirmed they see the error and was going to escalate. 

On XXXX I received a letter from Synchrony Bank stating they did not intend to correct their mistake. They stated that excess funds were to be applied to the balance accruing the highest interest. I was surprised at this as my request was to have the payment applied to the balance accruing interest and their mistake, which they stated they wouldn't correct, was that they applied the payment to deferred interest balances ( letter attached ).

Two regulatory errors in this complaint 1 ) Reg Z : Bank did not apply payments as instructed, and they did not apply payments to the balance
s with the highest interest.

2 ) UDAAP : Agent advised they could and would apply pymts as I instructed, while actually applying to deferred interest buckets and not accruing interest buckets resulting in interest income for the bank. In addition, the letter I received from the bank states requirements that they are using to not correct their error however not actually following through on those requirements.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

On XX/XX/2023, This third-party debt collection notice from Kings Credit Services , are incorrect, when I first received this debt in the mail on XX/XX/2023, I was confused, I called merchant XXXX XXXX XXXXXXXX right away, and informed XXXX they were mistaken, I paid my bill every 3 months, I asked the clerk at XXXX what is the meaning of this bill? the clerk asked for my address and name I gave my information, and the clerk then stated to me that I had not paid a single bill., I said you are mistaken, I will send my bank statements with proof of payments, they service my address, and when there isn't any garbage to pick up they still charge me and pay my bill! I sent my bank statements and they still think I owe them XXXX people!
Consumer complaint received 2024-01-24
Product: Credit reporting 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, XXXX # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am seeking your help with the incorrect account that is listed on my credit report. This issue has severely impacted my reputation, and I need your assistance. Your mishandling of my credit report has put me in a difficult situation, and the false reporting has tarnished my reputation. These inaccuracies need to be removed immediately from my credit report.
Consumer complaint received 2024-10-29
Product: Credit reporting 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. 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 and list of Inquiries 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 2022-03-20
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: EQUIFAX, INC. (MO)

n accordance with the Form 1099-C requirements XXXXt account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Synovus Bank (OH)

In XX/XX/XXXX, agents from XXXX XXXX XXXX presented me with various life insurance policy proposals as a life insurance retirement tool which was to be premium financed for high net worth individuals. XXXX XXXX XXXX XXXX XXXX ( XXXX ) was to be used to hold my life insurance policy for the benefit of my family and estate tax savings. After several insurance companies refused me, XXXX finally presented me with XXXX XXXX as their financing partner. We began dealing with XXXX in XXXX XXXX a product from XXXX XXXX XXXX. The plan called for {$5.00} XXXX  life policy tied to stock market ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The loan for {$2.00} XXXX was approved for my newly formed LLC although my financial status was tenuous at best ( credit was subprime and my condo was in foreclosure ). I was promised that there was no risk to the financial institution XXXX XXXX as total cash value would always equal or exceed the loan balance at each and every point in time. I was also promised I would not have to sign a personal guarantee. After about two years-XXXX XXXX, the interest payments ballooned and I could no longer afford them so I requested that the face value be reduced. 
No one listened or assisted me. My loan went into a " default '' status and I was charged a {$75000.00} prepayment fee and the company XXXX XXXX, a division of Synovus Bank pursued me in XXXX District Court until I had no recourse but to file Bankruptcy. Unbeknowst to me at the time, the insurance agents at XXXX XXXX XXXX and the principals at XXXX XXXX were working together and sharing insurance commissions. XXXX XXXX pursued me into bankruptcy even though they surrended the policy ( collateral ) and received back every XXXX of the {$1.00} XXXX in premiums it had sent to XXXX XXXX XXXX and even though they promised me otherwise. I believe there are many others in this fraudulent and predatory lending scheme.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (CA)

Notice of Fraudulent Activity and Request for Account Resolution Dear Revvi Customer Support, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding fraudulent activities on my account with Revvi. 

I recently returned from a XXXX tour in XXXX, XXXX, and upon my return, I discovered that multiple accounts were opened in my name without my knowledge or consent. It is evident that I could not have initiated these transactions, as I was XXXX during the time these accounts were opened. 

To support my claim, I have attached the following documents : Military Orders : Providing evidence of my XXXX to XXXX, XXXX during the period in question. 
Police Report : Filed to document the fraudulent activities and initiate an official investigation. 
FTC Report : Submitted to the Federal Trade Commission, detailing the identity theft and fraudulent accounts associated with my name. 
I am not seeking any monetary relief from Revvi ; however, I urgently request your assistance in rectifying this matter. The fraudulent individuals not only opened multiple accounts in my name but also overdrawn bank accounts, causing significant distress. 

Last 4 : XXXX XXXX : XX/XX/XXXX  For your reference, please find my correct contact information below : Correct Contact Information : Phone : XXXX Email : XXXX I kindly request that you promptly investigate and take necessary actions to remove these fraudulent accounts from my credit report. Your cooperation in resolving this matter as soon as possible is greatly appreciated. 

If you require any further information or clarification, please do not hesitate to contact me at the provided legitimate contact details. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (CA)

I have a XXXX XXXX XXXX XXXX. The end of lease is XX/XX/XXXX 2021. I would like to sell the car outright. At the time I leased the vehicle, I made sure to inquire that there would be no penalties or fees should I want to buy or sell the car prior to the lease being up. I was told there would not be by both the salesman and finance department. My payoff is a little over {$17000.00}, I was made an offer on XX/XX/XXXX/2021 for {$21000.00} by XXXX XXXX. My husband took the vehicle to VW to see what they would offer and was told that if we sell the car to a 3rd party, and not buy the car outright first, the other company will have to pay them {$21000.00} for the car, which is market value. I said I was not told this when I leased the vehicle, nor did the payoff quote say anything about if I purchased it outright or someone else wrote them a check- there is no transparency and basically VW Credit is taking the money from their customers and using NO transparency to do so. Had I gone and accepted the money from XXXX  XXXX, I would have owed VW credit more than I could sell the car for. I was lied to by their sales people to get me to lease a vehicle and I am being cheated out of almost {$3500.00}. I have spoken to VW credit and they will not do anything about it. The only difference is that someone else would right them a check for the payoff. This is truly stealing from your customer.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have sent letters to the 3 major bureaus about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I mailed in a dispute about XXXX fraudulent accounts thats reporting to my credit report, Back in XX/XX/year> I sent in everything they asked for and still have not heard a response.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.