davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-10-21
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)

COMPANY CONTACTED ME VIA EMAIL. I REQUESTED INFORMATION TWICE, WHICH IS WHAT THEIR SYSTEM ALLOWS, AND I DIDNT RECEIVE IT. ON XXXX, XX/XX/XXXX, THE COLLECTION WITH A BALANCE OF $ XXXX WAS PLACED ON MY EQUIFAX . THIS ACCOUNT IS FRAUDULENT AND A FTC POLICE REPORT WAS FILED.
Consumer complaint received 2024-10-21
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I found out the plan was 6 months, not 12 months as I had asked for. I called the credit card company twice in XXXX and asked them to change my 6 month deferred interest plan to a 12 month. They said the merchant had to do it. I called the merchant and the merchant said no, the credit card has to do it, and back and forth like this. Meanwhile, it expired and I got charged over {$350.00}!!! I feel preyed upon and like they just wanted to shove responsibility for helping me back and forth until time ran out! I called two synchrony bank phone numbers to try and get me needs met : XXXX and XXXX
Consumer complaint received 2024-10-21
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. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (MD)

I made a financial agreement with Bridgecrest through XXXX XXXX XX/XX/year>. I was sold a vehicle that needs a lot of repairs and XXXX  XXXX  warranty doesnt seem to cover the repairs needed. After 2 months of having a car I should not have major issues associated with the car such as engine, transmission, exhaust, XXXX converter, gaskets and more. I have been trying to get my car fixed and reimbursed for rental car expenses since XX/XX/year>. No one is helping me to get my car fixed accurately. XXXX was approved to fix repairs but it didnt improve my vehicle condition. The car sounds like a lawnmower when I drive and it is very slow to drive when you shift the gear. I am not safe to drive in weather conditions. I should not been sold a car that I am unable to drive sufficiently. I dont feel safe and I feel my life is in danger. Bridgecrest should not give out loans for faulty vehicles. XXXX XXXX XXXX and Bridgecrest are scamming people with their high interest loans and damaged vehicles. I should not be responsible for paying a loan on a vehicle that puts my life in danger.
Consumer complaint received 2024-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PROVIDENT FINANCIAL SERVICES, INC. (NJ)

Lakeland Bank has been acquired by Provident bank. 

My Home Mortgage was on a auto payment and scheduled to be fully paid off during the Lakeland to Provident integration- on XX/XX/year> XXXX month start. 

Payment has been posted but it still the loan shows me on

Payment PAST Due. This can impact my credit score and hold my ability to get a new mortgage to purchase my next home.

I have initiated several communications/complaints with Provident Bank but it has been over 10 days and still issue remain un-resolved.

Provident Bank need to be held liable if I am not able to get my new mortgage and the mental stress it is causing me.

This is a mess up created by Provident Bank to Lakeland Bank takeover and incorrect integration of their software / accounts.
Consumer complaint received 2024-10-21
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)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately. 

1. XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX XXXX Account # XXXX with a balance of {$0.00}. This account was previously reported as fraudulent and was removed from my credit report on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate, and the re-reporting of this account constitutes a violation of that law.
Consumer complaint received 2024-09-21
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: SANTANDER HOLDINGS USA, INC. (LA)

I have had this account marked as a charge off for some time now on my credit report, however when demanding a debt validation letter, and a 1099-c form the company has gone completely silent.
Consumer complaint received 2024-10-21
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. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

VALIDATION AND CEASE AND DESIST LVNV FUNDING LLC O/R Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, SC. XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MO)

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

LVNV FUNDING LLC Last reported XX/XX/XXXX {$410.00} Open balance LVNV FUNDING LLC Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name LVNV FUNDING LLC
Consumer complaint received 2024-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (TX)

On XX/XX/24 I scheduled a future payment with Ford Motor Credit on their online site. I authorized a payment to be posted on XX/XX/24. As of this morning, XX/XX/24 I noticed a payment pending in my checking account from Ford for the amount scheduled to be posted on XX/XX/24. This amount has overdrawn my account and possibly caused my house payment to bounce. I contacted Ford and they explained that they sent the transaction through to my checking account ahead of the payment. I asked why and they could not answer. I also told them that I authorized a payment for XX/XX/24 and not today, XX/XX/24. I also explained to them that they did not even post it to my loan, but they submitted a transaction for the payment. How can this be allowed? It is my understanding that they are not allowed to submit a request until the authorized date. 

I have scheduled future payments before in the past ( loan not on auto debit/auto pay ) and this has not occurred.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I fell behind on my mortgage and hired an attorney to help me apply for a loan modification with my lender Nationstar Mortgage in XX/XX/XXXX. I had submitted an application on my own back in XX/XX/XXXX and I was told by Nationstar verbally that I was going to be denied. My attorney helped me put together an updated complete new application, which also added a contributor income to solve my budget issue. This NEW application was forwarded to Nationstar on XX/XX/XXXX. I received a letter confirming my application was received on XX/XX/XXXX ( Attached ). My attorney has called Nationstar every week since then and was told the NEW application was under review and nothing was needed. By the time we hit XX/XX/XXXX my attorney advised me there was something wrong. Nationstar per RESPA Regulation X only has 30 days to make a decision and it had already been over 60 days. My attorney on XX/XX/XXXX ( Notes attached ) finally was able to determine that Nationstar did n't even have my NEW application in their system. They were still working on my old application from XX/XX/XXXX which did not have my additional income ( contributor ) of {$4000.00} per month. Nationstar point of contact asked my attorney to send the application again because it was lost, so my attorney forwarded it by email on that day. Now Nationstar is telling my attorney that they merged my old budget and application with my NEW application and they are denying me for a negative budget. Not only is Nationstar in violation of RESPA Regulation X for not completing the review and issuing me a denial or approval letter from my XX/XX/XXXX application, but they are also PURPOSELY using my old budget in order to purposely get me denied. I do not want my old budget used in my NEW application review. I provided an updated budget on XX/XX/XXXX ( Attached ). I never asked them to merge my old budget with my NEW budget. I submitted my NEW budget because my attorney counseled me on my budget and we made changes so I could balance my budget. Nationstar is purposely merging my old budget with my current budget solely to get me denied. My attorney states I qualify for Making Home Affordable ( Positive NPV attached ). Nationstar is either incompetent in processing my loan modification application or they are purposely evading review and using information that was already updated to purposely get me denied. In addition, the HAMP program is now expired and I DID apply before the cutoff. Nationstar never gave me my NPV chart from my applications in XX/XX/XXXX or XX/XX/XXXX. We are now going into XX/XX/XXXX!!!! and I am now being " DUAL TRACKED '' for foreclosure. My attorney states Nationstar is NOT supposed to merge my prior applications with my current updated, revised application. That in their opinion they are purposely evading review and using old, OUTDATED, information that I have already revised ( my budget ) so I can be able to afford my mortgage in order to purposely get me deneid.
Consumer complaint received 2024-10-21
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. (MI)

RE : Improper filing of 1099-c form- I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX  XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with XXXX law by not filing a XXXX as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXX XXXX XXXX IRS for XXXX XXXX XXXX using Form XXXX if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, XXXX, and Equifax to delete this information from my credit report immediately. The accounts in question is detailed as follows : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX As per IRS regulations XXXX a canceled debt of {$600.00} or more necessitates the filing of a XXXX form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a XXXX form, or any attempt to conceal such actions, constitutes inaccurate reporting. XXXX is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXX XXXX  XXXX XXXX, accountable for willful noncompliance under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements XXXX be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX