davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Its been brought to my attention, that theres been false allegations, debit collection practices that are now, known to be of a violation within the Fair Credit Reporting Act. Companies by the name listed ; XXXX XXXX XXXX, known as collections. Bank Of America, known as another creditor. All parties and credit bureaus were contacted, on several occasions, in regarding the alleged accounts listed. There was a noncooperative response from all parties, whom disregarded the request for validation, not verification ; letters which was delivered and received. XXXX XXXX XXXX, for the amount of {$500.00}, merchant XXXX XXXX and Bank Of America, for the amount of {$1400.00}. Theyve all been contacted, via certified mail, several times and failed to provide validation, only thing received was amounts that is claimed to be owned, which theres been a request to delete it off my credit report and name completely. These false marks has been negativilty impacting my life and kids, hurting my ability to not only gain credit but the credit ability to open credit.
Consumer complaint received 2023-11-25
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)

To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account during the month XXXX and XX/XX/2022. I acknowledge and deeply regret this incident and wish to address it proactively. 
As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. 
I eamestly request your kindness and consideration to remove this late payment from my payment history. I greatly appreciate your understanding and support in this matter. I provide below the details of my account for your reference : XXXX XXXX XXXX  Account # XXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (LA)

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. 

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. 

Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Technology Federal Credit Union (WI)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I am writing to address a concerning matter regarding my credit file. I have noticed a collection entry from your agency, which has surprised me as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-11-25
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. (MD)

XXXX XXXX XXXX is on my report from XX/XX/2017 and earlier, the car note was ordered to be paid by my ex in divorce- it still is on my report- please remove
Consumer complaint received 2023-11-25
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. (MD)

I do not know why I have so many inquiries - I DID not authorize all of these please remove these inquiries from my credit report i have custody of my XXXX XXXX  and i am desperately trying to buy a home
Consumer complaint received 2020-07-28
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: BYL Collection Services (NV)

I have a loan with XXXX XXXX XXXX, BYL COLLECTION SERVICE, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, BYL COLLECTION SERVICE, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-11-25
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. (MO)

XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of fair credit reporting act. 15 USC Code 1681s- 2 section F reporting infomation during Covid 19 ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

the covered period started XX/XX/XXXX and ends XXXX after the XX/XX/XXXX and late payments were being reported during the covered accommodation period.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc. (TX)

Company illegally reporting information to credit bureaus under 15 U.S. Code 1681a Chapter 2 states ( 2 ) ExcLUSIoNS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subiect to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2018-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

In XXXX I pulled my credit through XXXX to check for mistakes as consumers are requested to do. 

I noticed Conns credit corp had 2 collections against me. I knew I had 1 account when I bought a TV from them but I never had a 2nd account with them. So on XX/XX/2018 I sent 2 letters to Conns asking for a verification of debt of both accounts so I would know what the second loan was for. I sent both letters registered mail and received confirmation of their acceptance of both letters on XX/XX/2018 signed by a XXXX XXXX. 

On XX/XX/2018 I received a letter back from Conns showing the proof of a TV that I had bought. Which I knew about and I was able to verify the account number for that loan. However the 2nd loan that Conn 's says I have and is reporting on ALL of my Credit Reports, I still have received nothing for. It is now almost 5 months later and Conns has chose to ignore my letter for verification of Debt for the 2nd account they show on all of my credit reports. 

I have called Conns to make payments on the 1 collection that I have with them. I have even asked if there is any other debt I owe, they told me this was the only one. 

I have tried to go to the credit bureaus and ask that they verify the debt. They all said it is your debt because Conns said so. I tried several times to ask who they talked to or a copy of any paperwork sent to them showing proof to no avail. 

I am tired of feeling trapped by the Creditors and Credit Reporting Agencies. They make it so hard to actually get anyone to verify anything. I know Conns can't because there is not a 2nd loan with them. 

Please help me.
Consumer complaint received 2023-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

We asked for a disaster forbearance in XXXX for hurricane Ian as I had standing water in my house. I was told by the company that services my loan Mr. Cooper that I could get a three month disaster forbearance and the payments would roll to the end of the loan as it was for a disaster. Now Ive been trying to make payments since XXXX to which they refuse to take them, they told us they miscoded the forbearance and some how an extension on my disaster forbearance was filed with out my knowledge or consent and then denied and now they will only give me loan modification or pay the total sum.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Re : Account # XXXX XXXX XXXX To Whom It May Concern : The account referenced below is being reported on my credit report as a collection account by your company. 
The amount owed XXXX was fully paid off in XX/XX/XXXX and the account has been closed. Please see attached document for proof of paid off. 
Please remove this inaccurate information from my credit report. 
I have already disputed this item with the credit reporting agency, and they have confirmed that you consider the account valid. 
In an effort to resolve this matter amicably, I am requesting proof of this debt, specifically the alleged contract or any other document that contains my signature, as well as evidence of your authority in handling this matter. If you are unable to provide such proof, I expect you to correct any incorrect reports of this past debt as being mine. 
I am writing to ask for the following information : 1. Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in relation to this alleged matter.

2. What legal basis authorizes you to collect information?

3. What legal basis authorizes you to collect this alleged debt?

4. Please provide evidence of your authorization to conduct business or operate in this state.

5. Please provide proof of the alleged debt, including the alleged contract or any other document that contains my signature. 
XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX, MA XXXX 6. Please provide a complete account history, including any charges added for collection purposes. 
You have a period of thirty ( 30 ) days from the receipt of this notice to respond. Failure to respond in writing, with a hand-signed response, and within the given timeframe, will be considered as a waiver of all your claims in this matter. It will also lead me to assume that you mistakenly placed this on my credit report ( s ) and that this matter is now permanently closed. Either provide the necessary proof or correct the record by removing this invalid debt from all sources where it has been reported. For the purpose of 15 USC 1692 et seq., this notice has the same effect as disputing the validity of the alleged debt and disputing the validity of your claims. This notice aims to correct your records, and any information received from you will be collected as evidence if further action becomes necessary. This is solely a request for
information and should not be construed as a statement, decision, or waiver of any kind.
Consumer complaint received 2023-11-25
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$32.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$180.00} ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm looking forward that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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: NAVY FEDERAL CREDIT UNION (GA)

I have experienced a great level of distress from dealing with Navy Federal. It is deeply concerning that two accounts was opened using my personal and business information without my consent. Understanding the severity of the matter, I promptly contacted the authorities, obtained a police report, and reached out to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for assistance, the BBB, Attorney Generals office, mycreditunion.gov. However, despite all my efforts, Navy Federal has displayed an alarming lack of cooperation by refusing to remove the accounts from my records. 

The repercussions of this fraudulent account have greatly impacted various aspects of my life. I have been unable to secure job promotions and endured great embarrassment from management. I haven't been able to purchase a home due to the tarnished credit caused by this unauthorized account. I pay a higher interest rate even with superb credit history. Seeking resolution, I reached out to Navy Federal directly, informing them that I had never opened an account with them. However, their response was far from satisfactory. They asked about any emails that could confirm the account, and when my personal email accounts didn't yield results, I provided them with an email associated with my former business called XXXX XXXX XXXX. the email was a free general mailbox for customer complaints and vendors. Astonishingly, this email turned out to be the correct one, indicating that someone had accessed and misused my personal and business information. 

To my dismay, the representative informed me that there was nothing she could do to assist me, alluding to the numerous complaints I had previously filed. And suggesting the email was verification of debt. Adding insult to injury, she abruptly hung up on me and reset the account for another seven years, prolonging the impact on my credit even though it was due to expire soon.

Given the gravity of these events and the negligence displayed by Navy Federal, I urgently seek help in having this fraudulent account removed from every credit file I possess. It is imperative for me to move on with my life and regain the financial stability that has been unjustly compromised. It is my hope that those in a position to rectify this situation will recognize the urgent need for immediate action.