davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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)

I am a natural person and I have rights that covers me under 15 USC 1681.

Equifax is governed by 15 USC 1681 and my rights have been violated numerous times. I demand the accounts listed below to be removed.

Based on 15 USC 168 : I have the right to privacy and I did not give Equifax the right written permission to furnish these accounts. 

Delete these accounts below : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-22
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
I submitted a notarized self attestation under the penalty of perjury in addition to a copy of my birth certificate, a list of adverse items to be blocked that are a direct result of human trafficking. 
I spoke with a manager at the number designated for survivors and was told on a recorded line that my notarized self attestation was not acceptable that I needed to submit additional victim documentation. The information was in violation of rule 605c. Please block the adverse information listed and provide further compliance training for XXXX compliance management and their employees that will handle disputes from trafficking survivors. 

Equifax mailed me confirmation of a fraud alert that I DID NOT request. 

Please review the FINAL RULE of 605c and require additional compliance training.
Consumer complaint received 2022-09-22
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: JLB CORPORATION (MO)

I emailed Vice President XXXX XXXX at Goldenoak Lending for him to explain the process of obtaining a home equity line of credit. He pulls my credit without my consent and now i have a ding on my credit report because of it and not once did i ever give him permission to pull my credit. I simply asked how the process worked. Hes tried to cover his tracks by telling me oh it doesn't hurt my credit for that type of stuff but when you look at the credit report, a mortgage inquiry is very high risk on experian. i told his company what happened in a support chat and all the said what sorry for the misunderstanding. This is extremely unprofessional and i believe they should be able to get this removed off of my credit report.
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. (NJ)

I am writing to request the immediate blocking and deletion of certain accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to prevent further misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX/XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-24
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. (NC)

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me
Consumer complaint received 2022-09-22
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. (MD)

XX/XX/XXXX XXXX. I revecied my credit report from XXXX XXXX XXXX I called them as I got my report today .. Mt report number # XXXX. Dated XX/XX/22. With alot errors on system. That failed to updates properly. The woman I spoke today at XXXX today she advised me it's is very common that these mistake happen on yout account often and it hard to fix them, the leadership Manger XXXX XXXX XXXX failed to do his job ethical correct, I was advised that is XXXX  job and duties to send customer wrong information on there credit report debliarity as a stall statistics. I ask them why does a address that doesn't belong is on my credit and there response was we have internal error on the sever. And its hard to fix. It's been over 120 days since I been asking for help and XXXX 


Wrong address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

Wrong names. As well XXXX XXXX name I'd # XXXX .. these mistakes are happening to common .. putting other people data on my credit profile on purpose.. 

I also ask for help fixing my credit freeze and there system been down for a long time they told they can't fix it at all since there system been broken for 120 days and it my fault .. since XXXX website and system are failing..
Consumer complaint received 2022-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Amount of debt : Date of Service : Provider of Service : XXXX XXXX XXXX, XXXX, XXXX & capital one ran by XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORR INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely XXXX XXXX
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. (VA)

I am a recent victim of a data breach, and I am requesting the immediate blocking and deletion of certain accounts and inquiries listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of these items to prevent any further unauthorized access or potential misuse of my personal information. 
Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
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. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-23
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. (SC)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (NY)

On XX/XX/year>, I received an unsolicited and without my permission a mailing from Netspend that contained a Netspend Debit Card with the Visa logo. No explanation as to why but full of instructions of how to activate it and upgrade. I should note that it had an incorrect first name - the name on the card and " the account '' is : XXXX XXXX. Never heard of that person. This is a scam and a fraud. People can get themselves into financial debt with this swindle. Please investigate and make them stop sending debit cards without people 's permission.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated everything was accurate. Upon conducting my own research myself I found multiple inaccuracies on my report after they said they had verified everything. In particular, Equifax is reporting a collection account with XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. Upon reaching out to the original creditor it was stated that the company did not manage the property and in that case does not have the right to demand funds for said property. I have never done business with XXXX XXXX XXXX XXXX. I've disputed this account as they have violated my rights in accordance to the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. In addition, I have various collection accounts that Equifax in particular are reporting that are not being reported with the other bureaus and per their policy it is stated that they use a joint notification system that operates worldwide in accordance with the other XXXX XXXX The collections on Equifax are not being reported on the other CRAs and should be removed immediately. The collections being called for immediate removal are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2022-04-26
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. (TX)

I disputed inquiries that were done without my knowledge and or consent and they are still on my report. Under FCRA laws, I have the right to an accurate and true report. You can not verify or tell me something is true because its showing on my report. The credit report is information from third parties who can and will not speak for me. Please remove them. It was disputed within the bureau and as you are the distributor of my credit report, this is a bureau issue.
Consumer complaint received 2024-11-01
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)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

I have several loans administered by EdFinancial. This includes direct federal loans ( accounts beginning with an " F '' ) and commercial loans ( accounts beginning with a " C '' ). In XXXX of this year I applied for federal direct consolidation of 2 of my commercials loans. This consolidation has been mishandled twice. While they fixed their first mistake, they refuse to fix their second mistake. The consolidation that I applied for consolidation of two of my commercial loans with balances of {$4700.00} and {$4500.00} respectively, with interest rates at 6.8 % ( the new consolidated direct loan was to have a balance of {$9300.00} with a 6.8 % interest rate ). I had several additional commercial loans that were not involved in the consolidation. The consolidation was approved on XX/XX/2022. 

The first mistake that EdFinancial made was that, when disbursing the payoff amount on the commercial loans, they distributed the money across all of my commercial loans, instead of the two loans that were to be consolidated. After several days of prodding, they finally admitted their mistake and re-disbursed the funds correctly. At this point, everything was OK. But, several weeks later ( XX/XX/2022 ), an additional {$2100.00} payment was mysteriously made on my remaining commercial loans ( those that were not included in the consolidation ). This balance was then added onto my consolidated federal loan bringing its balance to {$11000.00}. 

I never consented to additional loan consolidation beyond the {$9300.00} that I agreed to in my application. Moreover, a portion of the {$2100.00} in commercial loan principal that they moved from my commercial loans onto my direct consolidation loan had a lower interest rate of 6.0 %. By moving this principal to my direct consolidated loan, they effectively raised the interest rate on that portion of the principal by 0.8 %. 

The only correct response would be for them to remove this {$2100.00} from the consolidation loan ( as it was never part of the consolidation ) and to re-distribute it back onto the commercial loans where it belongs. However, I brought this up to the company and they opened an investigation, but later closed the investigation after about a month without informing me and without fixing this problem.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (OH)

In reference to my previous complaint : XXXX On XX/XX/2023, my XX/XX/2023 mortgage payment was reported XXXX late negatively impacting my credit score, which went down from the XXXX to XXXXXXXX XXXX. I've never missed a payment or have been late on my mortgage payments once. I contacted Mr. Cooper on XX/XX/XXXX to dispute their erroneous reporting and they advised me that a case would be opened to update my credit report within XXXX days, which they have failed to do. 

Mr. Cooper is excusing their failure to properly notify me about my escrow shortage and subsequent payment increase by claiming that an online account was opened in my name through my old servicer Homepoint Financial in XX/XX/2023, and I requested for e-delivery of my mortgage statements. That is completely irrelevant because my loan was transferred to Mr. Cooper in XXXX! Mr. Cooper also confirmed in their response that I never created an account on their website, so how in the XXXX was I expected to receive a copy of my escrow statement about my mortgage payments increasing?! 

Per RESPA guidelines lenders aren't permitted to conduct negative credit reporting during the XXXX grace period after a loan was transferred. If my loan was transferred in XXXX, then XXXX would have fallen into the XXXX grace period. Additionally, I was told by the phone representative that nothing negative had happened in relation to my late payment when I was contacted about the payment discrepancy in XXXX, which I immediately rectified at that time! 

Not once have I ever missed or have been late on my mortgage payments. I worked in XXXX XXXX XXXX XXXX XXXX XXXX  for several years and am very familiar with loan transfer guidelines, as I personally XXXX  transfers to horrendous companies like Mr. Cooper AKA Nationstar AKA whatever other ridiculous name they want to go by in the next XXXX years. 

As of XX/XX/2023 I no longer work at XXXX and no longer have any access to my old work email - XXXX. Important mortgage documents during a loan transfer should NEVER be emailed, especially when an escrow analysis was run barely a month after a loan transfer! 

I can assure Mr. Cooper that I will continue to submit complaints and pursue legal action if necessary to have this issue resolved. It would be far more cost & time effective to simply correct their negative credit reporting.
Consumer complaint received 2022-09-22
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. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I filed an unauthorized dispute for the merchant XXXX XXXX. USAA issued a credit to my account THEN allowed the merchant to debit my other account with USAA without my authorization. I believe the XXXX  Unit of USAA offset my other account as I never provided the merchant with the account numbers associated with my main account. 

I know in the past USAA has been fined by the CFPB and OCC due to their failure to protect consumers in the past. When I contacted USAA, they provided me the disclosure for debt collection as these transactions overdrew my account. USAA has failed to protect consumers in the past and failed to protect this consumer in the present. After being advised that this account could go into collections or other derogatory actions, I requested USAA to transfer the funds from my checking to my savings to bring the balance to XXXX  and have the account closed. I had no other option, they failed to protect me as a consumer. I had over XXXX  on the date of my call ; why would I want to pay OD fees for transactions of {$24.00} and {$26.00}? I think there was a mistake by USAA regarding my XXXX XXXX, but I will file a separate complaint regarding XXXX XXXX.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IN)

LexisNexis Consumer Reporting is in violation of the following : Authority : 12 U.S.C. 5512, 5514 ( b ), 5532 ; 15 U.S.C. 1692l ( d ), 1692o, 7004. Source : 85 FR 76887, XXXX XXXX, XXXX, unless otherwise noted. 1006.18 False, deceptive, or misleading representations or means. ( b ) False, deceptive, or misleading representations. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. Allowing General Revenue Corp to false report incorrect data on my consumer report. LexisNexis is acting as an accomplice to General Revenue Corp with furnishing inaccurate information on my consumer report.
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bay Area Receivables, Inc (MD)

I was called by XXXX and told that i had a ZERO balance and the bill would be taken written off since the doctor received an explanation of benefits stating my insurance has paid in full.. I still saw the bill on XXXX and called them back and XXXX harassed me!! Told me I was wasting his time & continued to ignore my question and said no one here told you that do you want to pay or not? I was advised by XXXX XXXX reached out to a XXXX over at the providers office who was the head dog in billing and could verify if a XXXX was really received I then called back to the debt XXXX office where I spoke with XXXX who works with XXXX XXXX XXXX and asked if he was able to provide me with the number to the providers office where XXXX was located he provided me with a number and I called and there was NO XXXX in billing so I called back and spoke with XXXX and advised I would like some clarification since receiving his previous information & he said listen XXXX officially confused me and theres nothing else I can do you gon na pay or not? I asked for a manager and he said no, there is no one here for you to speak with