davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 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 XXXXXXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I started an auto loan in XXXX of this year, with Fifth Third bank. The Federal Truth-In-Lending Disclosures that I signed stated the following : Annual Percentage Rate : XXXX % Finance Charge : {$14000.00} Amount Financed : {$56000.00} Total of Payments : {$70000.00} Total Sale Price including downpayment of {$14000.00} is {$84000.00} Number of payments : XXXX Amount of payments : {$1100.00} Monthly Beginning : XX/XX/year> With an interest rate oXXXX XXXX  % for a principal of {$56000.00}, financed for XXXX  months, I expected the monthly payment to be {$1100.00}. The payment of {$1100.00} is consistent with a XXXX % interest rate. They are overcharging me for this loan. 

On XX/XX/year>, when I made the first payment of {$1100.00}, the payment noted principal of {$600.00} and interest of {$570.00}. With an interest rate of XXXX %, I expected the first payment to consist of a principal of {$740.00} and an interest of {$420.00}. And with an interest rate of XXXX %, I expected the first payment to consist of a principal of {$730.00} and an interest of {$430.00}. They are overcharging me even more. 

I made payments consistently an on time. This whole time, their website and my account portal did not provide me with any monthly statements. 

On XX/XX/year>, I reached out to customer support via their chat function. I requested statements so I could look into this further. The agent, who identified as XXXX, informed me that they do not generate online statements for loans. They stated that the coupon book I received should have relevant information. They offered to mail me my payment activity, which I find rather useless. I asked XXXX for an amortization schedule and they told me that they do not offer this. I asked for an explanation for why the interest I was charged did not seem to reflect the XXXX % interest rate. They told me that my per diem interest rate is {$0.00}. I asked for clarification on that because that still did not add up, and XXXX responded that they do not do math for customers. I noted that an amortization schedule would have helped, and they again said that they do not offer this. XXXX then ended the conversation.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-14
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. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX, without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am filing this complaint against Equifax for the unauthorized and unnotified reinsertion of a previously disputed and deleted bankruptcy record on my credit report. This is clearly a gross violation of the Fair Credit Reporting Act ( FCRA ). This reinsertion of the bankruptcy record on my credit report was unauthorized and unnotified, and the reinsertion of the record by the credit bureau was in violation of the FCRA. After much dispute, the bankruptcy record was cleared and then removed from my file. It has been re-entered without new findings, or for that matter, even a letter or notice to myself once again lowering my score. It is, therefore, an obvious violation of my rights toward fair and transparent credit reporting procedures. I would be thankful if the CFPB would intervene in the case and hold Equifax accountable for the permanent removal of such a record if it can not be proven ; in all other respects, make sure it follows other consumer protection laws.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I called Pennymac with concerns about my upcoming payments on XX/XX/XXXX after losing my job on XX/XX/XXXX. I'd already made a payment for XXXX and expressed concern about what might happen in coming months. I was transferred to someone who quickly offered a XXXX month modification " until XXXX '' but could not answer basic questions like " does this meant the payments I don't make are pushed back or is everything due in XXXX? '' Someone had to call me back to provide any details. On XX/XX/XXXX I spoke with someone who told me that we'd assess where I am in XXXX to figure out how to manage the m9dified payments between now and then. I was fortunate to receive a job offer on XX/XX/XXXX and it was only when I called Pennymac ( literally an hour after I accepted my offer ) that I found out I had " missed a payment for XXXX and XXXX '' meaning I owed ~ {$130.00} in late fees and had ( for the first time in my history ) been reported delinquent for both months. The employee was rude and everyone I've tried to work with indifferent to the lack of communication on the part of pennymac. They cite phone calls made in XXXX but the number for those calls reports as spam and there is an automated voice message with no relevant information. How they could reverse my modification without telling me on XXXX and suddenly report me as past due for a payment date that occurred just XXXX weeks after I was told it would be overlooked is so unbelievably deceptive. This company was quick to offer something they could not explain, make assurances that turned out to be false and report information that is inaccurate based on obligations in relation to the standardized guidelines for reporting. I am not the only customer to experience this. 

Regardless, I'm sure little actual investigation or process remediation will be done and I fully expect Pennymac to again reply with a canned response that, for some reason, includes my recent payment history ( a history that shows I immediately made payments, and am in fact serious about my obligations ; those payments AND LATE FEES were made as soon as I received an offer ). My recent payments do not demonstrate that I agree with what pmac has done, so there's no need to include them ... the only reason the payments were staggered over XXXX days is because the XXXX stated my second payment would be applied to a future month and not to bring my account current... yet another demonstration on how poor and directly misleading the communications are. You did not make it clear anywhere in the portal that I was past due or ( when I learned that I was ) how to bring my account current. 

As of right now I'm unable to access ant of my loan details or documentation. I get a pennymac error message when I select a document to view and no loan, interest rate or tax information is presented when the view option is clicked. ( Screenshots attached ).
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-05-10
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. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (IL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-11-08
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. (FL)

I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MO)

Disputed my debt with Resurgent Capital Services, L.P. and requested multiple documents for verification and still have not received a proper response. They keep sending me statements from someone else 's debt and it needs to be deleted off of my consumer reports since its been past 30 days. They say it's been verified but providing a statement is not proper validation. They are knowingly being negligent and violating the FCRA and need to be held accountable for not being as accurate as they, by law, are supposed to be.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2024 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX XXXXXXXX XXXXXXXX notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and stateunder 15 USC 1681n civil liability because Ive been violated. 


Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In response to your this complaint being closed. I never received a letter from Tranunion Consumer Solutions requesting my SS #. I would like this to be re opened and the letter sent to me so I may provide the information requested. If Transunion can send this letter via certified mail I would greatly appreciate it.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NY)

I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. REGIONAL ACCEPTANCE XX/XX/2024 XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lyons, Doughty & Veldhuis, PC (MD)

I am writing to formally protest the actions taken by your firm, which I believe are in direct violation of my consumer rights, including my right to privacy, as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Specifically, I assert that your firm has engaged in the following unlawful practices : 1. False or Misleading Representations : By implying that you are acting as both an attorney and a debt collector, you have misled me as a consumer. This is a violation of 15 U.S.C. 1692e. 
2. Unfair Practices : Your firm has violated 15 U.S.C. 1692f by sending me mail by postcard without allowing me to dispute the accuracy of the alleged debt. This practice is both unfair and deceptive. 
3. Defamation of Character : Your actions have caused significant harm to my reputation. By placing a judgment against me without proper verification, you have defamed my character. 
4. Violation of the Right to Privacy : Your actions have also violated my right to privacy. By collecting, disseminating, and advertising my personal information without my consent, you have infringed on my fundamental rights. 
XXXX. Suing Without Proper Dispute : Your firm has sued me without allowing me to properly dispute the alleged debt. This action is both unfair and a violation of my consumer rights. I have yet to receive notice of the lawsuit. I did receive a notice from another company to help me with this lawsuit that you all have against me. 
Furthermore, I wish to reiterate that I have never assumed the alleged debt. Any previous communication regarding this matter was solely to dispute the accuracy of the account and to assert my right to privacy. 
I would like to remind you that XXXX XXXX XXXX, XXXX. has a binding arbitration clause in its terms and conditions. This clause requires that any disputes between the bank and its customers be resolved through arbitration rather than litigation. As such, any legal action taken by your firm against me should be subject to this arbitration agreement. 
I demand that you cease and desist from all further communication regarding this matter. Additionally, I request that you remove any negative information related to this alleged debt from my credit report. 
If you fail to comply with this demand, I will be forced to take legal action.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (TN)

Credit Bureaus and consumer reports are still reporting inaccurate information on my account I have asked it be removed and offered proof and written request and XXXX and XXXX are still reporting my accounts as delinquent when I have No delinquent accounts the information is in accurate and several are fraudulent I have lock on my reports however they still have not removed old accounts and continue to report invalid information which I would like removed