davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

To XXXX XXXX XXXX EQUIFAX XXXX ( XXXX ) I SENT EQUIFAX a AFFIDAVIT RECEIVED on XXXX CERTIFIED MAIL # XXXX outlining how your company violated my rights as a consumer under 15 USC 1681. The subsections you violated are as follows : 1.15 USC 1681- ( a ) ( 1 ) 2.15 USC 1681- ( a ) ( 2 ) 3.15 USC 1681-a ( 3 ) 4.15 USC 1681-a ( 4 ) 5.15 USC 1681b. ( 2 ) 6. 15 USC 1681a ( d ) ( 2 ) ( A ) ( j ) - 7. 15 USC 1681a ( d ) ( 2 ) ( A ) ( ili ) - 8. 15 USC 1681a ( B ) - I have attached the letter that I sent you before with this letter, I even attached a copy of the certified mail receipt that 1 used to mail it. EQUIFAX responded on ( XXXX ) alleging that the accounts ) in reference were verified. Now I am exercising my right under 15 168li ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 USC 168la ( e ) I want to know exactly who you spoke with, and the method
Consumer complaint received 2021-11-11
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. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
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. (FL)

I recently checked my credit report and noticed several fraudulent accounts and inquiries that I did not authorize, consent to, or benefit from. I immediately contacted the creditors and the credit bureaus, but no one has been willing to assist me in resolving these issues. Despite my efforts, including filing a new FTC report ( attached ), nothing has been done. 

This situation has caused me significant emotional distress and XXXX, and I am demanding that these fraudulent accounts and inquiries be blocked and removed from my credit report as required under the Fair Credit Reporting Act
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & XXXX! 
I reached out to the courthouse they sent me this letter in the mail that I will attach they do not report my bankruptcy to the credit agencys, somehow they wont give me the method of how they are validating this information. I asked the third party vendors to not share my information as I have consumer laws in place to protect me! They continue to ignore me XXXX XXXX XXXX XXXX- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX  AUTO ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX  BANK AUTO XXXX ACCOUNT # : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX CO ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX ACCCOUNT # : XXXX DATE FILED : XXXX XXXX, XXXX
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I have no idea what they think I owe them or why, ( and I don't care and I don't care about their threats to damage my credit rating. Even if they try that, they can't hurt me in that regard ). I have never had any dealings with them. However, many years ago they did withdraw about {$25.00} per month from my checking account at my bank up to about {$500.00} before I caught on to it. My bank claimed they didn't know who or what institution was doing it and they couldn't ( wouldn't ) even tell me where the money was going, but I don't believe them. I found out by accident a couple of years later when I was contacted by Synchrony Bank, the institution that is harassing me now and that took the money. My bank wouldn't help me recover the stolen money either, because after the 2 latest withdrawals the time limit for them to act was past. They only recovered the last 2 months ' worth of thefts from my account. After claiming to not know where it was going, they managed to recover 2 months ' worth. They can't explain that.

These people have been calling my cell phone 2-3 times per day for several years now. I block their number every time but they are still able to call and leave messages. I never answer their calls. When I did answer a number of times, I told them to stop calling me, but they ignore my requests.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

The complaint is about a {$1000.00} loss on XX/XX/2022 from our Wells Fargo Checking account due to thieves fraudulently accessing our online account, changing the login credentials, and sending themselves {$1000.00} through a XXXX transfer. We provide a 24-page PDF documenting the incident and follow-up with Wells Fargo, but the principal points are that : 1 ) Wells Fargo offering email as 2-factor authorization ( a known vulnerability ) and the XXXX platform itself ( an unaccountable transfer mechanism used increasingly frequently by fraudsters and criminals ) is part of a larger pattern of corporate impunity by Wells Fargo. And 2 ) The unserious documentation provided by Wells Fargo concerning IP addresses and logins amounted to a self-vindicating whitewash. 

I learned too late that a corporation that hurts others ( robo-evictions in the great recession, and the accounts scandal ) will hurt me if I stay long enough. I am going to a credit union and shunning banks that use XXXX, and urge others to do likewise. 

( Note that I am uploading 24 jpg documents in addition to the PDF because the PDF consistently showed as corrupted when I attempted to examine it after uploading to the CFPB site )
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: American Cycle Finance, Inc. (TX)

American Cyle Finance Inc, did not give me an initial nor annual notice nor disclosure that I had a right to opt out of them reporting my credit transaction which is personal information.

I no longer give American Cycle Finance Inc, consent to furnish my late payments with any credit reporting agencies or any other nonaffiliated third parties.

The Gramm-Leach-Bliley-Act states I have a right to not have my non public personal information shared especially resulting from transactions such as Payment history pursuant to 15 U.S.C 6809 ( 4 ) ( A ).

American Cycle Finance Inc is also in violation of the Privacy act of 1974 by reporting my personal information.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I believe Wells Fargo makes the payment process very difficult and tedious in order to generate late fees. I don't think their process is intuitive and their technology is outdated. Setting up recurring payments is notoriously difficult.
Consumer complaint received 2022-10-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (LA)

Im regards to payment : all commercial instruments such as promissory notes, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( l ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) ( B ), ( 49 ), ( 64 ). These statutes define a promissory note or security to be negotiable ( sellable ) because it is a financial asset. This is necessary because contracts requiring lawful money are illegal pursuant to Title 31 USC 5118 ( d ) ( 2 ). All debts today are discharged by promises to pay in the future. All Federal Reserve notes are registered securities and promises to pay in the future. They are secured by liens on promissory notes of collateral owned by real people. The statutes do not provide the Federal Reserve Corporation a monopoly on promissory notes, as debt collectors insist. Real people create promissory notes that are usually sold to the FED in exchange for their promissory notes. The FED uses the promises of the peoples collateral to secure their notes. If people want their, commercial instruments to be legal tender, they must be secured by a maritime lien on your prepaid trust account recorded at the county and registered on a UCC1. It then becomes a registered security and a financial asset that can be negotiated.

Im regards to the contract : The Fair Debt Collection Practices Act 15 U.S.C. 1601, 1692, 1693, provides remedies for deceptive or unconscionable contracts and allows payment in any legal tender. The contract was deceptive and unconscionable if the actual debt was zero. 
I would also like to add CFPB vs. Santander which my contract is the very same reason Santander was sued. In 2020, Santander reported my car loan as paid off due to a disaster. I believe my loan was reported as such because of this lawsuit. I also asked for specific documents that Santander has refused to provide. They have also not included the wet ink signatures between myself and Santander. 
I asked for the following : They will show that the corporation has an offsetting liability to the debtor pursuant to FAS 95, GAAP and Thrift Finance Reports ( TFR ). These records include : 1.

FR 2046 balance sheet, 2.

1099-OID report, 3.

S-3/A registration statement, 4.

424-B5 prospectus and 5.

RC-S & RC-B Call Schedules
Consumer complaint received 2022-10-05
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. (AZ)

I sent a letter on XX/XX/2022. This letter was sent in effort to remove personal information that shouldnt be on my credit report, nor did I authorize such. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-10-24
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. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (TX)

XXXX I sent a letter to a collection agency asking for Debt Validation. They were unable to produce the documents that I asked for in my letter. They sent an electronic copy of a lease that I NEVER signed. I gave them 30 days and nothing has been updated on my credit report. Please advise next steps.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (TX)

XXXX2022- I sent a letter to a collection agency asking for Debt Validation. They were unable to produce the documents that I asked for in my letter. They sent an electronic copy of a lease that I NEVER signed. I gave them 30 days and nothing has been updated on my credit report. Please advise next steps.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-10-03
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. (SC)

I'm submitting a complaint to all 3 major consumer reporting agencies. 

XXXX XXXX Transunion The accounts and inquiries in question are below. 

XXXX specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report. 

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


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 Transunion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

This is not a error and I am a consumer by law and I sent letter regarding inaccurate things on my credit report. I feel I am being taken advantage of and being ignored with my dispute.
Consumer complaint received 2022-10-05
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. (AZ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX - XXXX XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have written Equifax in XXXX, XXXX, and now XX/XX/2022. The collection agency XXXX XXXX XXXX XXXX, account XXXX and XXXX failed twice to communicate and validate the debt with me according to my rights under the Fair Credit Reporting Act. I've requested these collection accounts be investigated and removed. All I get back from Equifax is " the account has been verified ''. They and XXXX XXXX XXXX XXXX have not provided me any proof or validation as requested 3 separate times and it continues to show on my consumer report. Again the collection agency fails to provide validation or communication as well.
Consumer complaint received 2022-10-05
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. (NY)

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. 

Account : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NJ)

Greetings I explain to AES Im not sure I just got a whole bunch of mail but I didnt sign up for those loans I wasnt the person attending the schoolXXXX XXXX XXXX attended XXXX University I tried to explain to them Im not responsible for those loans and they continue to harass me ask them to remove them from my credit report and they continue to send me letters and harassing me because they cant find XXXX XXXX I didnt sign those long I didnt ask for them I would please appreciate them removed from my credit report I will try my best to find out where she lives and her phone number so that they can deal with her she was a XXXX of that university not me please remove that debt from my report it does not belong to me she fortunately use my name I am a XXXX   and Im retired and its very stressful for me Im homeless I cant even get a place to live because of these things on my report that I asked to be removed