davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (MI)

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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-18
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

I am writing with grave concern regarding a derogatory rating on my credit report. This negative mark has caused me significant worry and distress due to its detrimental impact on my creditworthiness. It has already adversely affected me, leading to the rejection of a recent loan application as well as higher interest rates being applied to my existing credit accounts. I can not overstate the severe financial hardship and emotional toll this inaccurate negative rating has inflicted upon me, and will continue to inflict until it is properly resolved.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my credit report in which I saw an inquiry that was not authorized and I had no idea that a hard pull was done which is currently a # ecting my chances of employment along with a place to live. I did not consent to a hard pull or any pull. Please remove this inquiry immediately.
Consumer complaint received 2024-06-05
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. (PA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Dear Equifax, I am writing to express my frustration and confusion regarding the repeated responses I have received from your company regarding the status of the disputed account.FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that this information not be shared on my credit report. 
Despite providing new and relevant information that clearly demonstrates the inaccuracy of the account in question, I continue to receive the same letter stating that the account has been verified. This leads me to question whether my information was adequately considered during your investigation process, and whether it was forwarded to the court for verification. I am interested in learning about your interactions with court representatives, including their full contact details. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
" Chapter XXXX Bankruptcy '' with Reference # : XXXX. 
Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 
Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
While I may not be an expert on credit bureaus and credit reports, I have conducted research that leads me to question the reliability of the E-Oscar system that is reportedly used for investigations. I understand that this system may not always provide accurate results, and it is unfair to rely solely on it for verification purposes. 
Furthermore, my research on the Federal Trade Commission ( FTC ) website indicates that credit bureaus are required to conduct thorough investigations rather than simply parroting information provided by creditors and collection agencies. Failure to do so may result in legal action under the Fair Credit Reporting Act ( FCRA ). 
I am reaching out to you with the hope of resolving this matter amicably. However, if your company chooses not to take appropriate action, I will have no choice but to file multiple complaints and seek legal advice from an FCRA attorney. 
I urge you to conduct a new and thorough investigation into the disputed account and take the necessary steps to correct this issue promptly. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc. (MN)

I applied for a loan mean to build my credit through MoneyLion. The loan they offer is called the MoneyLion Credit Builder Plus Loan. The entire purpose of the loan is to boosts a consumers credit score. I didnt event get the entire loan up front as part of the terms of the loan is that a portion of it will be held in a reserve and will not be spendable until the loan is paid off in full. During the entire term on this loan I did not see an increase in my credit score like they said it would do. towards the last few months of the loan term I had gotten a new debit card and had forgotten to update it for the MoneyLion loan. Once I realized this I immediately paid off the entire renaming balance with a part of my reserve they were withholding. This was 2-3 months after changing my debit card. I was never told the account was being wrote off, they state they wrote it off in XXXX but I paid the entire balance on this loan in XXXX. There were no messages in the app saying the account was closed, it still showed open. I had no idea as I didnt even get a letter or fair warning they were writing it off. They then put on my credit files that the loan was paid in full but listed as a written off account. They have done the exact opposite of what the loan was meant for. This loan was suppose to help me build my score as they advertised and promised and instead has caused a damaging impact to my credit score, and has made it extremely difficult for me to get accepted for any other financial products. Ive tried disputing this multiple times and they tell me they refuse to remove it from my file. This is the biggest scam and a complete lie of a loan program.
Consumer complaint received 2024-07-19
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. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS XXXX TO PREVENT FURTHER STALL TACTICS FROM ****
Consumer complaint received 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NM)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (FL)

I am sending this complaint on behalf of XXXX XXXX XXXX XXXX. I noticed a collection on said account : SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX According to the FCRA, the following collection should be removed from the above credit report immediately.
Consumer complaint received 2018-05-25
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 (PR)

I have submitted an Income Based Repayment Plan ( IBR ) request four straight times since XX/XX/XXXX. The first was a renewal. I included my latest tax return and a letter, as I have done since XX/XX/XXXX. It was denied because I did not include my federal income tax return as notified on XX/XX/XXXX. 
I explained that I dont file federal income tax return because I dont live in the United States. 
I wrote a letter and resubmitted a new IBR payment request, explaining that I dont file for federal taxes. I also had to explain what my monthly gross income was, since according to the customer service representative, they simply cant divide the annual gross income by 12. They also keep asking me for paystubs, which I cant provide, because as I have explained so many times, i am XXXX XXXX. 
And so, once again, on XX/XX/XXXX, my IBR plan was denied because I did not include my federal income tax return. 
On XX/XX/XXXX, a third IBR request was denied because my tax return does not show my gross pay, asking me for pay stubs or a letter from my employer. Once more, I AM XXXX XXXX. This I explained in my letter. 

XXXX XXXX, keeps nit picking at my IBR requests and finding excuses to not accept my IBR requests where everytime, I have included my most recent available tax return and where they can find how much I make a year and divde it accordinlgy to reach a monthly gross income. 

XXXX  XXXX is being capricious and arbitrary in making their decisions to not accept my IBR requests. The problems started last year, when my XX/XX/XXXX approved expired. Since XX/XX/XXXX, I have been losing my automatic forbearance periods on each request that is denied. 

I demand that XXXX process my IBR requests, since every time, I have provided them with my tax return and a letter explaining what my gross income is. I also want my automatic forbearance time credited back to my account.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CT)

Dear Experian, I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/year> XXXX - XXXX Important dates Inquiry date XX/XX/year>XXXX XXXX Important dates Inquiry date XX/XX/year>XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/year> I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion.

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed.

Enclosed you will find copies of my ID and a utility bill for identity and address verification.

Looking forward to your prompt attention to this matter.
Consumer complaint received 2018-05-25
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: Experian Information Solutions Inc. (PR)

I sent a certificate letter to EXPERIAN on XX/XX/XXXX ( XXXX ) asking to validate US BK XXXX AND XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW. In XX/XX/XXXX EXPERIAN answered my letter with report number ( XXXX ) indicating that those public record items WERE VERIFIED AS ACCURATE. They use a third party vendor XXXX XXXX to validate the information, In XX/XX/XXXX and XX/XX/XXXX I received from XXXX 2 letters ( attached copy ) saying that were unable to verify the accuracy of bankruptcy case number XXXX and XXXX subsequently they had to remove from their records. It is clear that EXPERIAN used false information to verify the accuracy of the US BK XXXX AND BK XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED BOTH ACCOUNTS FROM MY EXPERIAN CREDIT REPORT.
Consumer complaint received 2024-08-26
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (SC)

I am writing to formally dispute a late payment that is currently appearing on my credit report and to request its immediate removal. I believe this late payment is the result of a technical error on the lender 's end and not due to any negligence on my part. 

I firmly recall setting up automatic payments ( " autodraft '' ) through the lender 's online system. Despite this, the lender claims that autodraft was not established. Additionally, I have experienced numerous technical issues with their website, including repeated failures to recognize all of my computers/cell phones as trusted devices despite multiple attempts to do so. 

Furthermore, I did not receive any communication from the lender regarding a missed payment until XX/XX/XXXX, when I received an email notification. Upon receiving this email, I immediately made the payment in full. 

In their denial letter, the lender stated that they attempted to contact me multiple times regarding the missed payment and would provide records of these attempts within XXXX hours. It has been XXXX days since that telephone conversation with their escalation agent, and I have yet to receive any such records. I have thoroughly checked my email for messages and my phone records for any calls from the lender, but I have found no evidence of any contact attempts. I have additionally offered my records to the lender for their review. 

I believe this late payment is solely the result of technical errors within the lender 's systems, and I urge them to reconsider their decision and remove the late payment from my credit report. I have been a loyal customer of their company for XXXX  years, and I have always made my payments on time. I am confident that a thorough review of this matter will reveal the error on their end. 

Thank you for your time and consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-17
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: ENOVA INTERNATIONAL, INC. (CO)

I received a letter sent on XX/XX/year> in my po box that said there were XXXX or more negative information added to my file. I obtained my Consumer Disclosure Report the next day and I received another letter sent on XX/XX/year> that gave me a link and a password to look at my Consumer Disclosure Report to see if anything was wrong. After reviewing the Consumer Disclosure Report I called the XXXX number and asked for all of the soft and hard inquiries to be investigated. On XX/XX/year> I received a letter of the investigation results. I didn't understand what the results were so I called the XXXX number and she told me that what " We have reviewed the information from our inquiry Records and determined the data being reported as unverifiable ... '' meant was that all of the inquiries were unauthorized. She also told me to contact my states attorney general. I filed a complaint with my states attorney general and they emailed me to go to this website.
Consumer complaint received 2024-06-03
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. (CA)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records.I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX  XXXX
Consumer complaint received 2024-08-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (SC)

On XX/XX/year> I emailed the company listed as debt collector to get account number so I can get access to my account and make payments towards the balance. I have been trying for over a year to get ahold of them. I work long hours and lots of days, so email is the main way I'm able to communicate with people. I have never had an issue with anyone else. They want their money and I want to be done with them. I just want to be able to get access to my account and pay towards my balance.
Consumer complaint received 2024-08-28
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: Byrider Franchising, LLC (PA)

In 2022 I purchased a vehicle from XXXX  had it financed through their company cnac and insured through XXXX. XXXX  months later I was in a tragic accident leaving me in a XXXX XXXX XXXX for XXXX months and losing my leg. During this time I was under the impression my insurance paid the loan off and I never received a text, email or phone call that I owed them money. Now I am trying to purchase another vehicle and my credit report shows the vehicle as being repossessed and me still owing cnac  XXXX. 
I attempted to call them today and was yelled at and hung up on by XXXX of their supervisors and when I attempted to call back I was hung up on as soon as I gave my name and the third time I called they no longer could locate my account and I was told a supervisor would return my call but that never happened
Consumer complaint received 2018-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I sent a certificate letter to TRANSUNION LLC on XX/XX/XXXX XXXX XXXX ) asking to validate XXXX XXXX   XXXX AND XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW In XX/XX/XXXX T RANSUNION LLC answered my letter with report number ( XXXX ) indicating that those public record items WERE VERIFIED AS ACCURATE. They use a third party vendor XXXX service to validate the information, In XX/XX/XXXX and XX/XX/XXXX I received from XXXX 2 letters ( attached copy ) saying that were unable to verify the accuracy of bankruptcy case number XXXX and XXXX subsequently they had to remove from their records. It is clear that TRANSUNION LLC used false information to verify the accuracy of the XXXX XXXX XXXX AND XXXX XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED BOTH ACCOUNTS FROM MY TRANSUNION CREDIT REPORT.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Back in XX/XX/2024, I submitted an inquiry through XXXX, which is my mortgage servicer, regarding cash out refinancing/HELOC options for my existing home. After I went through the process, I decided I did not want to leverage my home to pull out funds and cancelled the request. Within 24 hours of my inquiry through XXXX, I began to receive tons of unsolicited phone calls ( at least 5-10 per day for weeks ) from different companies claiming that I was looking for mortgage refinancing services. When I asked a number of these companies where they got my information from, numerous entities indicated that TransUnion had sold my information to them, and that's how they were advised that I was looking for mortgage assistance. I was absolutely appalled at the very notion that TransUnion, or any credit bureau, would sell any of my information without any consent. How many companies have my information now merely based on the credit bureau 's having access, and then profiting on my information. This is disgusting and quite unethical, especially since the consumer is unaware. I look forward to hearing from someone very soon.