davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (GA)

Equifax has been non-compliant with removing the unverified account XXXXXXXX XXXX XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I REQUESTED VALIDATION FROM EACH BUREAU AS I RECEIVED THAT THIS ACCOUNT WAS VERFIED AS MINES I FILED A COMPLAINT ON XX/XX/23 WITH YALL CONSUMER FINANCIAL PROTECTION BUREAU AND GOT A RESPONSE THEY VERIFIED ON XX/XX/23. I THEN SENT AND ASKED FOR A METHOD OF VERIFICATION OUT TO EACH BUREAU ON XX/XX/23 WHICH I HAVE NOT GOT A RESPONSE TO MY DISPUTE. PLEASE RE-INVESTIGATE AND SEND METHOD OF VERIFICATION OR DELETE ASAP!!!! 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX 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 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights ot privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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.

Delete this account immediately, unless you want to be held {$1000.00} per violation 3.XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States Ihave 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 4.XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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.

Please delete late payments immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2021-03-15
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: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

The fact that Wells Fargo closed 6 open complaints all on one day. Leads me to believe if I had the scanned information that was able to be seen, they would not have been able to close 6 complaints all on the same day and the same time. Previously being told the complaints had been sent to the department that disbursements come from. We went from being told by XXXX XXXX They are being decided upon to their immediate closure. It was only when I began looking at the scanned documents did I realize they were unable to be seen. How is it they are all closed yet we are still receiving notifications from Wells Fargo needing more time? Im filing more complaints with the documents scanned are now able to be seen.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I have contacted XXXX and XXXX on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for CBNA ( Citibank ) - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (CA)

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 XXXX  Account # XXXX, Account Name : XXXX XXXX Account # XXXX has violated my rights. 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 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 or 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 2023-11-18
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. (WA)

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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (LA)

I have had a ongoing issue with Freedom Mortgage ( XXXX XXXX ) pertaining to my XXXX account. Since XXXX they have been charging me for XXXX XXXXnsurance which I already had and sent them proof of coverage. I paid off my mortgage on XX/XX/XXXX in full, but since the escrow account was incorrect they continued to charge me and requested additional money. Because of this they proceeded to report me as delinquent and it effected my and my XXXX XXXX XXXX. I feel this not right, because it was their fault for not correcting my escrow account when I had sent numerous proof that I had flood insurance because they chose to ignore it this is the outcome which is not my fault. I have exceptional credit payment history as so does my XXXX. I want to have this late payment reversed.
Consumer complaint received 2023-11-18
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. (NJ)

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 2023-11-18
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. (TX)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 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 customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CA)

To Whom it May Concern, I XXXX XXXX have had nothing but issues with Santander Consumer USA, they erroneously placed me on a cease and desist in regards to communications. I spoke to multiple representatives at this company and the last was finally able to resolve this issue. The reason I bring this up is because the repossessed my car with no forewarning and or no explanation of any of the fees that have been incurred on the account. My original loan was for roughly {$13000.00} and I've paid nearly {$30000.00} for car that I still owe XXXX on. I have upload a transcript of all transactions on the account and am more willing to suffice any other documents needed. I am filing a formal complaint with my local consumer protection agency for the first repossession as the tow truck company illegally entered into a gated property for residents only, the sign outside states " private property violators will be prosecuted '' the tow truck driver followed behind a vehicle and illegal entered my residence with no consent from the landlord.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

To freeze credit we are required to file a request with the 3 major companies. XXXX accepted my request. XXXX  accepted my request. Several attempts with Equifax on line and on the phone have been aborted by someone other than me after I have submitted information including SS #. The interaction is accepted for maybe two minutes and in the middle of the transaction I get message on the phone or on line saying " sorry we can not handle this transaction. '' I want Equifax to freeze my credit. I want them to recommend the safest way for me to accomplish this. If it is by mail then I need to hear that they are on top of things by mail.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (CO)

To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. 

In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 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. 

Accounts : 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-09-07
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: EQUIFAX, INC. (WA)

I RECEIVED A COLLECTION NOTICE FROM AUDIT AND ADJUSTMENT I PAIDED THE COLLECTION IN WHICH IS WAS A MEDICAL COLLECTION..AMOUNT XXXX ON I WAS PAIDED MONIES BACK BY MY INSURANCE COMPANY AND THIS COLLECTION SHOULD BE REMOVED FROM MY CREDIT REPORT SINCE IT WAS A MEDICAL COLLECTION.. I HAVE FILED A DISPUTE WITH EQUIFAX AND TO THIS DAY IT IS MARKED AS PAIDED BUT NOT REMOVED. ACCORDING TO THE NEW LAW A PAIDED MEDICAL INSURANCE BILL PAIDED BY INSURANCE SHOULD BE REMOVED..
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Control Technology, Inc. (ME)

On XX/XX/2021 a representative from Account Control Technology , Inc. called a relative of mine and told them they were a collection agency trying to collect a debt from XXXXXXXX University that I owed. This person was a 3rd party and should not have been called and given information on a debt I disputed. I contacted the company and asked them to resolve this issue and instead they reported the disputed debt to the credit bureau.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : 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.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OH)

I have been contacting this company to send a Notarized letter of lien release for the past 4 weeks. I initially contacted them on XX/XX/XXXX to fax the letter to XXXX XXXX XXXX XXXX. They said it would take 3 business days at most- it ended up taking 4 business days ( the following Thursday ) to fax it according to them. The state title bureau never received a fax from them. 

I called them the following day again ( XXXX XXXX XXXX XXXXXXXX ) and they said they can mail it out to me this time. So I requested that it be send out as expedited, because I was growing impatient. They ended up mailing it out as regular mail on XXXX  XX/XX/XXXX ( according to them ). I have not received a mail as of today ( Tue, XX/XX/XXXX ). 

I called last week Wednesday XX/XX/XXXX to ask them to both mail AND fax out the letter of lien release again since I could no longer trust them. I called yesterday ( Monday XX/XX/XXXX ) to follow up on the request. The Hyundai Motor Finance says they never received such request. I put in a new request again, and asked them to mail via expedited mail. They then took my XXXX account number, saying I had to pay for it, even though I had been asking for a month now. 

I have contacted them for weeks upon weeks with no provable action. No tracking number. All they say is they have done it, but all we have are their words. No letter. In the eyes of the state, my vehicle is still owned by Hyundai Motor Finance - 3 months after having paid off the vehicle loan. I think HMFUSA is discriminating me based on my XXXX name. 

The original title was mailed out to my old address, even though I had changed my address. The post office and the old apartment says it would have gone back to the sender. This was back in XXXX. HMFUSA should have my vehicle title. Where is it?
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (AL)

I appreciate your quick action and effectiveness in updating/correcting some of the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-11-18
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. (GA)

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 2024-03-21
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. (PA)

I had previously sent a notice on XX/XX/2024 to the consumer reporting agencies about an alleged identity theft and to date I have not received a response. There's also a duplicate account from XXXX XXXX but the account type is mortgage when I NEVER HAD A MORTGAGE. This is all identity theft and I demand that all the accounts listed gets removed from my consumer reports. See attached. It has been almost XXXX  months since I sent this notice with all the documents. Since then, I have completed a new identity theft report as it is now aggravated identity theft. I have also sent a notice cease all communication to lvnv funding and they are still communicating with me on my transunion consumer report. The FDCPA states that the term " communication '' is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium '' and consumer reporting is an indirect medium of which they are using to communicate. That is a violation of the procedures of the FDCPA and since they are reporting without my consent they are also committing aggravated identity theft.