davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

Equifax willingly and purposely falsifies credit scores of consumers. I look my XXXX Equiafax score that XXXX provides for free to consumers - on XX/XX/2017 my credit score was XXXX ( XXXX XXXX ). 
After I verified my credit score of XXXX for Equifax, I went to XXXX at XXXX NY, and trade-in my old car for a new XXXX. When the XXXX Salesman XXXX pulled my credit report directly from Equifax, the salesman showed me the Equifax credit score of XXXX. 
HOW THIS IS POSSIBLE? 
XXXX states they are getting the correct information/VERIFICATION directly from Equifax AND MY CREDIT SCORE ON XX/XX/2017 WERE XXXX FOR EQUIFAX. THEN A FEW HOURS LATER, WITHOUT COMMITING ANY CREDIT ACTIONS/PURCHESES/ETC. MY EQUIFAX CREDIT SCORE WAS XXXX, OR XXXX POINT LOWER!!!!! 
XXXX, the XXXX Salesman stated he 'sees that all the time and with many of his customers - they have two different credit scores reported by the same credit reporting agency, at the same day!!!! 
Why Equifax willingly and FRAUDLY reports old credit score to businesses such as car dealerships and banks? 
THE CONCLUSION IS there is an unwritten, hidden 'agreement ' between Equifax , car dealerships, and banks to report the lowest possible, but invalid credit scores from the consumers ' past reports, so customers/consumers will not be provided with the deserved APR or best appropriate INTEREST RATES to purchases cars and/or homes. Through illegal and unlawful practices Equifax is assuring higher interest rates for many businesses in the U.S. against consumers ' lawful rights. 
AS A RESULT, I was approved for 6.19 APR or 6.19 % which will cost me {$5700.00} interest to pay for my new XXXX on the top of the regular price of {$27000.00}. Equifax pairs with businesses and banks and negatively brutally affect the finances of the consumers. 

Just a few months ago, the CFPB had a lawsuit against XXXX for committing the same fraud practices. NOW IT IS URGENT EQUIFAX TO BE HELD ACCOUNTABLE FOR REPORTING THE WRONG CREDIT SCORES/LOWER OF WHAT IS THE CURENT, TO BUSSINESSES AND BANKS. I AM TREMENDOUSLY AND FIANCIALLY HURT BY EQUIFAX. 
Prove for my case can be taken from XXXX Credit Score Report form XX/XX/2017
Consumer complaint received 2023-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Patenaude & Felix A Professional Corporation (CA)

To document the sequence of events we entered an agreement with XXXX XXXX XXXX in XXXX of XXXX to pay {$85000.00} over a period of time, without any judgement processed for the private college loans. I faithfully paid XXXX XXXX XXXX for over two years. Then in XXXX of XXXX the check I sent was returned to me by the USPS with a sticker which read no forwarding address. I called the XXXXXXXX XXXX XXXXXXXX, and it went to a voicemail. I remailed the check to XXXX and XXXX, and it was returned as well. I then called my former attorney who advised me that he thought Patenaude & Felix, APC taken over my contract, but since he no longer represented me I need to contact them to verify this information and find out where to send the payments. He gave me their number and I looked up their address. I am the co signger and person paying the loans. 
I contacted Patenaude & Felix several times without any response. When I finally got through, I was told someone would get back to me. I finally reached someone else and I requested an email. I reached out via email. I have a copy of the email I sent. I called several times asking for a letter or email from them verifying they were the new law firm which took over the payments, without any responses. I asked for the substitution of attorney to make sure I was sending my payments to the correct firm since the letter were returned with no forwarding address from XXXXXXXX XXXX XXXX. I have the original envelopes with the checks showing that in XXXX and XXXX of XXXX the checks were returned.. 
In XXXX and XXXX of XXXX I contacted Patenaude & Felix, APC, and was told someone would get back to me. Now four years later I receive information there is a levy on my bank account and a judgement against us that we were never notified on. This is very disconcerting since I attempted several times in good faith to contact Patenaude & Felix to verify they were the new firm and where to send the payments. 
The bank told me to call Patenaude & Felix, APC about the levy, when we called we were told there was no such case. On XX/XX/XXXX, I went to my mailbox today and found a copy of the bank levy that Patenaude & Felix, APC sent. I made payments two years straight to XXXX XXXX XXXX and would have continued if the checks had not been returned. When I found out Patenaude & Felix, APC was the new firm I attempted many contacts. The first contact I received from their office was the bank levy. No one returned my calls or emails to tell me that you had taken over from XXXXXXXX XXXX XXXXXXXX. I would either like to get a loan to do a settlement or go back on a payment plan, and have this judgement vacated so it will not effect my credit or livelihood. Patenaude and Felix will still not send me anything in writing saying they are now the firm, but they advised they plan to take further action against me if I do not make payments
Consumer complaint received 2023-07-11
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. (GA)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

I am filing a complaint against Ocwen Loan Servicing XXXX for Improper Record Keeping : Failure to post payments to account in a timely manner and Overcharging {$290.00} : Charging for Property inspection Fee {$12.00} and Valuation Fee {$280.00} claiming account was delinquent because of their Improper Record Keeping. 
This is a list of my payments1. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXXPayments for XXXX & XXXX were sent to XXXX because I accidently put the wrong account # XXXX ( Account was paid in full ). It took Ocwen 3 months to get it applied back these funds {$2300.00} ( XXXX payments of {$1100.00} each ) to my account. Ocwen reps were nasty and rude each time I called. XXXX sent the money back on XX/XX/XXXX. After several calls, Ocwen posted the money to suspense account instead of payment account on XXXX/XXXX/XXXX. XX/XX/XXXX {$1100.00}. XX/XX/XXXX {$770.00} Told to pay by Ocwen CSR since the principal was deferred and the payment decrease {$10000.00} ( credited to suspense account ) not to payment account Ref # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX was returned by Ocwen claiming my account was overdue because Ocwen refuse to post the payment from XXXX. Note this payment was replaced on XX/XX/XXXX with Ocwen Rep on the phoneXXXX. XX/XX/XXXX {$1000.00} thru XXXX Reference # XXXX ( NOT POSTED TO ACCOUNT ). The voice record says my account is behind. My account should be current if Ocwen post all payments to my account in a timely manner.
Consumer complaint received 2023-02-22
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: CITIBANK, N.A. (FL)

SEARS/CBNA has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, XXXX and SEARS/CBNA " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 
XXXX XXXX. XXXX ( 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 2022-11-14
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX : {$740.00}.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc. (CA)

I purchased a dress from Ashro in XX/XX/2022. The Item was not as described, the color was not as described, the sizing was off, the material didnt match the picture. I returned the item. Ashro took the return, and turned around and charged me for the shipping. This company sent me merchandise that was not as advertised. Now they have put this charge as a negative on my credit. I want this removed from my credit due to product not being as pictured or described.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

Initially contacted by XXXX XXXX XXXX XXXX ( address follows ) via letter through the XXXX dated XX/XX/2023. They are trying to collect from a PayPal account that is not mine. I have never had a PayPal account nor is the email account referenced is not mine nor ever has been. 

I responded to their letter ( see XXXX XXXX XXXX XXXX letter dated XX/XX/2023 ) that I filled out the bottom of the form and mailed it back to them within XXXX days. ( see enclosures ) I received another letter from XXXX XXXX XXXX XXXX dated XXXX XX/XX/2023 with information from PayPal a list of XXXX transactions that were listed as either " Chargeback for '' and " Dispute Fee ''. Each had their own email addresses, again, none that are related to me. 

I have sent a letter to both PayPal and XXXX XXXX XXXX XXXX requesting them to discontinue further efforts to collect this invalid debt. This is a very distressing situation as I have never had this happen before. 

I have sent another letter to both XXXX XXXX XXXX XXXX and PayPal denying the account was mine following the FDCPA dated XX/XX/2023 ( enclosed ). 

Your assistance is greatly appreciated to coordinate closure of this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX PayPal XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (MI)

The following unverified accounts continue to appear on my credit report despite multiple written requests for their removal, which is a violation of federal law. My previous letter to the three credit bureaus, dated XX/XX/year>, also went unanswered. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified. Failure to validate these accounts will leave me with no option but to pursue legal action. I urge you to comply with federal requirements to resolve this matter promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/, around XXXX XXXX there were to wire transfers that were made from my checking account that I did not authorize. Someone had gotten my online banking information and wire XXXX and XXXX dollars to two different banks in two completely different states. Once this first wire was seen on my account, we began to contact chase to freeze the account and start a claim to get the money back. A few days into their investigation on XX/XX/XXXX we received a letter stating that it was determined I had somehow benefitted from these wires or I authorized them which I did not. We are currently still fighting these claims to get the money back and have filed a police report on this manner. The case number for this police report is XXXX with XXXX XXXX badge number XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my XXXX XXXX  and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-08-06
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. (GA)

WHILE CHECKING MY MOST RECENT CREDIT REPORT, I NOTICED UNAUTHORIZED AND FRAUDULENT CREDIT INQUIRIES MADE BY THE FOLLOWING COMPANIES : XXXX XXXX XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UNVERIFIED INQUIRES MUST BE REMOVED. 

PLEASE REMOVE ANY AND ALL UNAUTHORIZED INQUIRIES FROM MY REPORTS AS I HAVE NO KNOWLEDGE OF EVER FILING ANY OF THESE INQUIRIES OR GIVING ANYONE, COMPANY, OR CORPORATION PERMISSION TO REPORT ANYTHING TO MY REPORT OR WAS PRIVY TO ANY OF THESE FILINGS.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Have tried multiple attempts to downgrade/cancel my membership with freecreditreport.com aka Experian and am unable to do so. I can update/manipulate anything on my account online but when I try to cancel or downgrade my membership it's a perpetual circle. I can not cancel online, I can not cancel when logging in from my phone and I can not get anyone on the phone. This appears to be a deliberate and deceptive trade practice so the consumer will give up and continue to let them bill. I will pursue a stop payment on my credit card since it will not allow me to delete my payment method on their site. Given their history of deceptive business practices I would imagine this is a widespread problem affecting their entire customer base and they should be fined and the business practice eliminated.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (WI)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I need your help with the incorrect account that is being reported on my credit file. This error has been extremely harmful to my reputation, and your assistance is crucial. Your mishandling of my credit information has brought me to a breaking point, and my reputation has been severely damaged. These mistakes must be corrected so I can protect my family 's future.
Consumer complaint received 2024-10-29
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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