davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I paid my car finance off with XXXX XXXX for the amount of XXXX on XXXX XXXX. XXXX XXXX sent me an official release of lein letter on XXXX XXXX which I can provide. On my credit report with XXXX, Equifax, and XXXX its reporting that I still owe XXXX XXXX an amount of XXXX. Ive contacted XXXX XXXX they told me they will fix but they never did. I disputed this with the credit bureaus but nothing has changed. This is affecting my credit history stopping me from purchasing a home to build a foundation with my family. I also have my car title with no lein hold on it. I would like this account to be removed from my credit report with all three credit bureaus. Can youll please take care before I take legal actions. Thank you
Consumer complaint received 2024-07-13
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. (NC)

I am writing to formally lodge a complaint against XXXX XXXX XXXX  for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX XXXX  has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX XXXX  has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). 
Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i had payments not go through on XXXX XXXX application. The payment kept bouncing but the money was on the account. Eventfully all of them went through and i was able to pay. I worked with customer service and got it all worked out. But in reviewing my credit report it was never fixed.
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. (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. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2015-06-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

My mortgage servicer ( XXXX XXXX XXXX ) sold servicing rights to Nationstar starting XXXX XXXX 2015. I contacted XXXX and was told that I had no say in the matter, but the only change I would see is the account # and address I send payments to. I called Nationstar on XXXX XXXX to set up my auto bill pay, but was told they did n't have my account info yet and they would be sending me a welcome packet with all the info I would need. I did n't receive this packet until XXXX XXXX. I called Nationstar customer service ( poor description of what they do ) and was basically told there was no way to set up the payment option I need ( the same plan I had with XXXX and my previous servicer ). I am in the military, so I get half of my pay on the XXXX and the rest on the XXXX of every month, so I need half of my mortgage payment to auto draft on the XXXX and the XXXX. Sounds simple ... apparently it 's impossible with Nationstar. I have spent hours on hold and have to explain my situation every time I get transferred to a new person. On XXXX XXXX I received a notice that " your loan is due for XXXX XXXX, 2015 and is in default '' and " unless this delinquency is paid by XXXX XXXX, 2015 we will accelerate/demand your loan and begin the foreclosure process '' pretty sure federal law REQUIRES a 60 day grace period beginning the effective date of servicing transfer. This whole experience has made me extremely uneasy, as I previously stated, I am in the military and XXXX at a time. I received notice of the servicing transfer just after returning from XXXX of these XXXX, what would have happened if it had come just after I XXXX? 
I would have come back to a house in foreclosure because of an unethical practice of transferring servicers without my consent! Is there seriously no protection for XXXX service members from this? Also, PLEASE read XXXX and other reviews of Nationstar Mortgages and ask yourself how they are allowed to continue preying on people just trying to do the right thing. I would do ANYTHING to distance myself from this terrible company!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint regarding inaccurate late payment entries on my credit report that remain unresolved despite my efforts. More than 30 days ago, I provided written notice about these erroneous listings, requesting validation and correction. However, I have not received any response or action to rectify the issue satisfactorily. I am now escalating my request for your prompt assistance in remedying this continued reporting of incorrect derogatory information on my credit file.
Consumer complaint received 2024-07-13
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. (NC)

I am writing to formally lodge a complaint against XXXX XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I Recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am trying to build my credit to buy a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
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. (WA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a screenshot of my report to this complaint on XX/XX/year>. Im requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
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. (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.

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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I examined my credit report, I discovered that some of the information was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to authenticate this account. ( A ). It is not permissible to dismiss this reporting account as unconfirmed information without providing proof within the legal timeframe. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 is XXXX XXXX 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 2024-05-17
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. (GA)

ON THIS DATE XX/XX/year>, XXXX IVE ASK THEM TO REMOVE XXXX  XXXX BANKRUPTCY CASE NUMBER XXXX. IT WAS DISMISSED, BUT ITS STOPPING ME FROM OBTAING CREDIT, AND MAKING PURSHACES. PLEASE HELP GET IT REMOVED. THANK YOU.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

a woman out of XXXX, Texas broke into the drop box of what was XXXX XXXX XXXX which has gone bankrupt and sold the property. mine of XXXX other apartments rent and utility money orders were stolen from the drop box. apartment was notified by police this was happening in the area and did n't take precaution to prevent this from happening. after that a month later I moved out. the money that was stolen from the apartment has been in collections going on 5 years. ProCollect out of XXXX, TX is the collector ph # XXXX.i explained to them that I paid my bills but the money was stolen from there drop box. which is n't my responsibility to pay again due to their failure and notification from police this was going on before it happened. They asked for proof of the robbery of the building and I went down to the police station and got copies of the report that my money that I put in there drop box was stolen out of there office and sent a letter from the chief of XXXX, Tx, Police Department saying and proving that my money was stolen. He also lived there during the occurrence. The collector keeps calling and saying I owe money that I paid 5 years ago and I owe the stolen money the apartment failed to secure. me and my fianc have both asked for proof of debt and for the original debtors information which is the owners of XXXX XXXX XXXX which they will not give. ProCollect told us to google the information on a bankrupt business denying us the ability to contact the original debtor to dispute the false debt. I have contacted a lawyer and I will be writing a cease and desist letter sending the police report and letter from chief of police again a to PRoCollect and also sending it to all XXXX credit bureau 's to continue to dispute. after that if it is not removed from our credit report I will have no other choice but to file a lawsuit.
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding an international fund transfer I recently conducted through Bank of America. I believe this issue warrants your investigation and intervention. 

On XX/XX/XXXX, I initiated an online international transfer from my Bank of America account to an account in XXXX XXXX XXXX, both in US dollars. To my dismay, I discovered a significant discrepancy in the transferred amount on Wednesday. An amount of XXXX was debited from my Bank of America account, but only XXXX was credited to the recipient 's account in the XXXX  XXXX XXXX. These were completely different from the information provided online and on the receipt. 

In an effort to rectify this matter, I promptly contacted a branch at Bank of America this morning on Thursday. Regrettably, their response was unsatisfactory, as they informed me that they would not take any corrective action. 

I am deeply troubled by this situation, as it not only reflects a breach of trust but also raises questions about the transparency and fairness of the international transfer services provided by Bank of America. I believe that such discrepancies should be thoroughly investigated, and appropriate measures should be taken to rectify the financial imbalance. 

I appreciate your attention to this matter and look forward to a prompt and positive resolution.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I understand your frustration with the inaccurate and fraudulent information on your credit report related to identity theft. This situation has undoubtedly caused you significant distress, and I appreciate you taking the time to reiterate and formally request the removal of these unauthorized accounts. 

I want to assure you that I take this matter very seriously. Having one 's credit report compromised by fraudulent information can have far-reaching consequences, and it is unacceptable that your ability to achieve important financial goals has been hindered. 
You have followed the proper procedures by previously communicating with our organization about this issue and now providing formal notice and documentation to verify your identity.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.