davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Bay Equity LLC (CT)

I signed closing paperwork to refinance my mortgage on XX/XX/2020 with my first payment being due on XX/XX/2020 through Bay Equity LLC. ON XX/XX/2020 I mailed out my first payment with coupon that was in my closing paperwork to the Bay Equity address listed. The check cleared my bank account on XX/XX/2020 in the amount of {$2200.00}. On XX/XX/2020 I received a statement from XXXX XXXX saying they now service my loan and first payment is due. I called XXXX and was told no payment from Bay Equity was ever forwarded to them. I then received a letter on XX/XX/2020 from Bay Equity dated XX/XX/2020 and postmarked XX/XX/2020 stating the loan will now be serviced through XXXX. I called the number immediately and spoke to XXXX XXXX ( Bay Equity ) at XXXX EST and told there was no payment showing in their system and he wouls look into and get back to me in the am. I then left voice mail for XXXX the next day XXXX XX/XX/2020 XXXX at XXXX XXXX with no call back. On XX/XX/2020 at XXXX ESTI finally reached XXXX and told no check was ever received per the accounting department. XXXX also informed me that his manager would look into and for me to email a copy of canceled check which I complied immediately after conversation. I then contacted XXXX XXXX from my local Bay Equity via email ( XXXX ) who is also looking into lost payment. Then on XX/XX/2020 at XXXX XXXX finally responded back to me and said " Yes the funds have been located and I am working with management to have these funds wired to your new servicer before the end of the day ''. As of today XX/XX/2020 XXXX EST funds still have not showed up in new account. I had to make another payment on XX/XX/2020 for {$2200.00} in order not to go in default since the grace period was over on XXXX. 
I can forward all emails if needed. 

Thank you, XXXX XXXX
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PENTAGON FEDERAL CREDIT UNION (ID)

This goes hand-in-hand with my previous complaints filed with your company regarding pentagon federal credit union . they sent me repossession letter dated XX/XX/2023 Giving me 21 days from the date of that later to pay the past due balance, where they were going to repossess my car. However, I did not receive that letter until XX/XX/2023, which would be shown on the certified mail return receipt requested form that I signed at the post office on XX/XX/XXXX. I have been trying to contact them daily since receiving that letter. The contact name provided on that letter was XXXX XXXX. I have left multiple voicemails for him dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all have been answered, and all have been not returned. I even emailed them asking what theyd suggest I do. As of yet, I have received no return phone calls and no emails addressing my question and it is now the XXXX day from the date of their letter even though Ive only known of it for four days. Pentagon is more interested in destroying their customers credit and treating them like XXXX than actually working with them and doing the right thing so just updating your phone number so they can access their account. If you could address this, tell me what I need to do in order to start the process as I have received no return phone calls and no emails addressing my questions and it is now the XXXX day from the date of their letter even though Ive only known of it for four days. Pentagon is more interested in destroying their customers credit and treating them like XXXX than actually working with them and doing the right thing such as updating a phone number so the customer can access their account. If you could address this, tell me what I need to do in order to serve process on them or file a complaint - because Ive asked them for that information also and they wont respond. Ive asked them for mediation or arbitration. Ive as for their registered agent information. Ive asked for their legal team to contact me. They refuse to provide me any info or give me any access to my account- its not right what they are doing. I need help.
Consumer complaint received 2024-09-13
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. (CA)

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.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-06
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-04
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: Exeter Finance, LLC. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear EXETER FIN, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as established under the Fair Credit Reporting Act ( FCRA ), including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant provisions of Missouri law related to identity theft and fraudulent credit reporting. 

It has come to my attention that EXETER FIN has engaged in unauthorized reporting to my credit file without my explicit consent. Federal law, specifically under the FCRA, mandates that such reporting requires consumer consent, as outlined in Section 1681b ( a ) ( 2 ). The FCRA 's protections are designed to safeguard consumers from wrongful reporting that can harm their credit reputation. 

In addition to federal provisions, Missouris identity theft and fraud laws, including Mo. Rev. Stat. Section 570.223, protect residents from the unauthorized use of personal identifying information. The statute clearly defines identity theft and stipulates penalties for those who use, possess, or transfer personal identifying information with the intent to defraud. Unauthorized credit reporting, without my express permission, constitutes a serious violation under both federal and state law, including Missouris protections against identity theft and fraud.

I affirm, with absolute certainty, that I have not granted consent to EXETER FIN to report any information to my credit report. This failure to obtain my authorization is a blatant violation of my legal rights, potentially harming my credit standing and violating the FCRA as well as Missouri state law.

I hereby demand that EXETER FIN immediately cease all further reporting to my credit report without my explicit consent, as mandated under FCRA Section 1681b ( a ) ( 2 ), and that they comply with Missouris statutes on identity fraud and unauthorized use of personal information. Should this matter not be resolved within 30 days, it will be considered a willful violation of federal and state laws, subjecting EXETER FIN to penalties for noncompliance.

This demand is not a matter for negotiation but a requirement for adherence to federal and state regulations that protect consumers like myself from unauthorized and damaging credit reporting.

I expect immediate action and full resolution of these violations. Failure to comply will leave me no choice but to pursue legal remedies as allowed under both federal and Missouri state law.

Done in good faith.
Consumer complaint received 2024-08-08
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. ()

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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

For purposes of this section, a notice of address discrepancy means a notice sent to a user by a consumer reporting agency described in XXXX U.S.C. XXXX ( p ) pursuant to XXXX U.S.C. XXXX ( h ) ( XXXX ), that informs the user of a substantial difference between the address for the consumer that the user provided to request the consumer report and the address ( es ) in the agency 's file for the consumer. 

ADDRESS IM NOT ASSOCIATE WITH PLEASE REMOVE THE FOLLOWING OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX CT XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - False, deceptive, or misleading representations or means. 
these accounts are not correct. 

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 2024-08-08
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. (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 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 ) ( XXXX ) 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( XXXX ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have 222 companies who have violated my rights that XXXX has reported on my credit report. 1 hard inquiry by XXXX XXXX XXXX XXXX XX/XX/XXXX i did not consent nor authorize XXXX or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. XXXX and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report. 
These are the fraud accounts below and I also have attached my Identity Theft Report that list these accounts, addresses and Inquiries as well. 

Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraud Account : XXXX XXXX XXXX XXXX is reporting {$31000.00} and an open date of XXXX, Experian is reporting {$31000.00} and an open date of XX/XX/XXXX XXXX is reporting {$32000.00} and and open date of XX/XX/XXXX this is an error on XXXX for inaccurate reporting please delete this account from each credit bureau . XXXX is also not reporting any late payments Experian say there is only 4 late 90 day late payments for XXXX and XXXX is stating there is 24 90 day late payments XXXX XXXX XXXX XXXX is reporting a balance of {$390.00}, and an open date of XX/XX/XXXX. Experian has a reporting balance of {$390.00} and an open date of XX/XX/XXXX XXXX is reporting a balance of {$390.00} and open date of XX/XX/XXXX Please delete and block these accounts with reporting errors and late payments asap, as well as pay me for the inaccurate reporting on my credit report which is a breach in my privacy delete or pay me {$1000.00} from each credit bureau
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNt : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my frustration and concern regarding the handling of my credit report disputes. Despite my efforts to correct the inaccurate information on my credit report, the errors remain unresolved. 

I have sent multiple dispute letters to address the following inaccurate information : XXXX : Account number : XXXXXXXX XXXX  : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXXXXXX XXXXXXXX : Account number : XXXX XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX It is disappointing that despite providing evidence to support my claims, these inaccuracies have not been corrected. As a result, I have been forced to resubmit my disputes, which is both time-consuming and frustrating. 

I request immediate action to remove these inaccuracies from my credit report. Please ensure that your investigation process is thorough and complies with the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information should appear on consumer credit reports. 

Your prompt attention to this matter is crucial. I expect to receive confirmation that these inaccuracies have been corrected and that my credit report accurately reflects my financial history. 

Thank you for your understanding and swift action in resolving this issue.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just recently looked at my credit report on XX/XX/2024. I saw some late payments ; they were supposed to be on time. And the creditor said " I wouldn't be marked late because I had things going on not because of the pandemic but because I was XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX are my missed payments. I sent a letter to TransUnion to get this fix, but they still said everything is reporting correctly. But it's not. Can you help with this situation? Thank you.
Consumer complaint received 2024-08-08
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I have no affiliation with these unknown addresses and I have reached out to the credit bureaus on numerous occasions about the discrepency but no response. I would like all addresses to be removed from my credit report immediately. 


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