davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

I have disputed items with this collection agency on XX/XX/2020, XX/XX/2020, and XX/XX/2020 all sent by certified mail. LVNV funding has refused to verify this debt as being mine. They have supplied zero evidence that this account is mine and have refused to supply me with the original form of indebtedness bearing my written signature which is needed to verify this information. I have received zero response from this company since my last certified letter sent XX/XX/2020 and have given them more time than the 30 allotted days to respond and verify this information. In previous letters, they just state that the accounts are verified. How are they verified when they have not provided me any documentation that they need to supply according to the law as I requested? All my 3rd party agencies are frozen so how is this debt verified? They are illegally reporting on my credit report and this is now defamation as they refuse to verify these debts as their illegal reporting is damaging my credit.
Consumer complaint received 2024-09-02
Product: Credit reporting 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)

Hi, my credit report has inquiries which I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Consumer complaint received 2019-02-20
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PR)

I have a debt with Navient Dept. of Education because I had a deferment and I divorced an moved to a different part in PR. During that period they use Debt collectors to find me. XXXX XXXX has now my account but they give it to XXXX. XXXX is asking me to make 9 payments of {$5.00}. They asked me for information that I am not willing to give since I am able to pay monthly to Navient. I asked them to please return my account to Navient or XXXX XXXX so I can start making my monthly payments but they refuse. I even tried to tell them that I can pay the {$45.00} dollars in one payment to make this fast and they refused. I am able to make the monthly payments to Navient again ... I don't like people asking me and harassing me with calls if I don't agree with them with a reason and it should be another company ( XXXX XXXX ) the one contacting me.
Consumer complaint received 2021-02-10
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. (GA)

Please review my credit file for inaccurate items. There are 1 account that is reporting an inaccurate late status, an incorrect reporting of a bankruptcy, and 2 accounts reporting that does not belong to me. Also, there are incorrect address and name spelling. 

Account that is not mine : XXXX XXXX  and XXXX XXXX ; and the Bankruptcy with a file date of XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Ct, XXXX XXXX ; incorrect name : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX is reporting an inaccurate late status ; it is inaccurately showing that I was late XXXX & XX/XX/XXXX and from XX/XX/XXXX - XX/XX/XXXX XXXX
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. (FL)

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : XXXX Fraudulent accounts : XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXXXXXX XXXX/dept of ed opened on XX/XX/XXXX, XXXXdept of ed opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed a report from XXXX XXXX XXXX XXXX XXXX. I do not think they used the correct information when I applied for a loan with them. My Credit score shows XXXX on the disclosure they sent. I have monitoring and the score is XXXX. I do not think they used updated and accurate information and that may have cause a higher interest rate. I would like this looked into. They should be following proper Procedures.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please read carefully -- I applied and received a loan from XXXX XXXX. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. XXXX XXXX is reporting this account as a mortgage. I defaulted on the loan, XXXX XXXX agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and XXXX XXXX.
Consumer complaint received 2024-09-02
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANCO POPULAR DE PUERTO RICO (PR)

-On XX/XX/XXXX I went to a Restaurant, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and had dinner with friends. I payed the check including tip for a total of ; {$100.00}. Days later reviewing my account statement I noticed a charge not authorized, from the same restaurant of {$87.00}. 

-On XX/XX/XXXX I submited a claim by email and fax with Banco Popular de Puerto Rico XXXXegarding the unauthorized charge to my credit card. 

-I called 3 times during the last weeks of XX/XX/XXXX since I never received a confirmation of the claim submition. No information was provided to me and the agent asked me to call again in a few days. 

-The first week of XX/XX/XXXX I called and talked to a service representative and told me that the claim was in process and FINALLY gave me a claim number. They asked me to allow 90 days to complete the claim. 

-On XX/XX/XXXX I called and talked to XXXX XXXX and referred me to the Fraud Department. My called was trasfered to XXXX XXXX. i explained the situation and told me that she was not able to help since the person in charge, or any supervisor whatsoever, was not available at athat time. She took my phone number and agreed to call back with informationi.  Never called back. 

-On XX/XX/XXXX I called again to the Fraud Department and talked to XXXX XXXX . She agreed to check the information with the assigned investigator ( XXXX ) and call me back the next day morning. Never called back. ' -On XX/XX/XXXX I called again to the Fraud Department and talked with a service representative. After asking more than 3 times I was finally transfered to the investigator assigned to the case ; XXXX. He informed that had no idea why the claim took so long but it was being resolved during our call, and I should receive a credit to my account during the next 24-48 hours. Two weeks passed by and no credit was reflected on my account. 

-on XX/XX/XXXX I called again to the Fraud Dept. and talked to XXXX XXXX who said no supervisors where available to assist my call/situation. She asked me to call the next day during XXXX and XXXX to talk with the supervisor ( XXXX XXXX ) -On XX/XX/XXXX I called again and asked for XXXX XXXX . XXXX XXXX, who answered my call, told me he was on in a meeting and not available to assist me. After insisting for more than 5 minutes to talk to a supervisor, I was transfered to XXXX XXXX. He told me the claim was completed and I should be a credit on my account in the next 24-48 hours. Same thing that I was told on XX/XX/XXXX. 

After more than 140 days I am still waiting for the resolution of my claim and the respective credit. Hours of my time spent for an authorized charged of XXXX dollars and XXXX cents.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Unfortunately, the purpose of this letter is to inform you that the companies listed failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 102 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report.

I would like to inform you that I have maintained an accurate chronological record of my communications with them. If they continue to fail to respond to my requests, I will implement litigation due to the hardships these invalidated items on my reports have caused me.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-09-02
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

The company shared a pre-approval offer for a loan without stating the principal amount. They provided a monthly payment amount thereby leaving the principal and APR to be free floating. This is a deceptive trading practice. The monthly payment is a function of 3 factors : 1. Principal 2. Interest Rate 3. Loan Term Any attempt to hide any of this three factors is a deceptive practice designed to mislead on the cost of the loan.
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. (OH)

This is my second-time requesting 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
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. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2021-02-23
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. These accounts are not mine because my identity may have been stolen. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Also, most of the inquires were made on the same day. I didnt authorize these inquires. I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Consumer complaint received 2024-09-02
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. (GA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

My Mortgage Lender is unable to obtain a credit Report from Equifax even after I called Equifax and the representative verified that there are no freezes of any kind. The Equifax representative even pushed me to sign up for membership with them to obtain a copy of my credit report, and still never resolved my problem and even took 2 payments of {$4.00} from my bank account while my online Equifax account still has not granted access to my benefits and continually inviting me to sign up for membership once again. I have even gone to obtain my Equifax credit report from annualcreditreport.com to only receive XXXX and XXXX reports and fails to send my Equifax report.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Hi I banked with Fifth third bank since I was XXXX yrs old and they racked up fees on me Wich was supposed to be waved and credited back because the funds was unavailable and orders was canceled I shouldnt have any fees because on both ends orders was cancled they racked up over XXXX in fees on my account and then terminated my account and now sending me threatening emails and letters to pay half or other amounts Wich I dont feel is right and then I tried to go to another bank to make account and they wouldnt let me for some reason so I think they did something
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

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.

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.