davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX  days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15. 
If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
The account is XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (IL)

I am writing to complaint to XXXX XXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-01-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Fresh Holdings Inc (OH)

On XX/XX/XXXX, XXXX XXXX XXXX, on behalf of XXXX, sent a text to my ex husband, trying to reach me. I did not authorize this contact, nor for them to disclose that I had a debt, let alone one in collections. I dont know how they got his information, but seeing as I had a restraining order against my ex for most of XXXX, I would have never used him as a reference on this loan. They sent him a collections text, disclosing my name, the reference number of my case, gave him a mini-Miranda, and I am appalled. This has caused me embarrassment and emotional stress.
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-24
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. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (OH)

I don't want this on my report, u can delete it immediately, it's not mine. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Block, Inc. (OR)

i have unauthorizations charges on my XXXX XXXX card on XX/XX/20 one for {$2.00} and {$250.00} And {$1.00} And {$1.00} and on {$2.00} And {$1.00} and {$1.00} cash app the phone number is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXXXXXX Balance Owed : {$250.00} This complaint will be my follow-up complaint to ensure the listed accounts are verified.
Consumer complaint received 2024-04-24
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)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
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. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

In Accordance with the fair credit reporting act USAA, has violated my rights.

15 US 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 an account without my written instructions.
Consumer complaint received 2024-04-24
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. (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. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (MA)

Subject : Urgent Complaint - Incorrect Payment Allocation by ServiceMac To Whom It May Concern, I am writing to file a formal complaint against ServiceMac regarding an erroneous payment allocation issue that has happened on XX/XX/year> and has caused financial inconvenience and requires immediate resolution. 

I recently purchased a new construction condo unit within a community consisting of XXXX units. The community has a master parcel for tax purposes, and each unit is responsible for reimbursing their portion of the quarterly tax bill. For the 2024 XXXX real estate tax, the total bill for all units in the community was {$9900.00}, and my specific portion amounted to {$210.00}. 

Unfortunately, there has been a significant error in the payment allocation process by ServiceMac, my mortgage company. Instead of deducting the correct amount related to my unit 's tax responsibility, they erroneously paid the entire {$9900.00} from my escrow account, which pertains to the master parcel and not my individual unit. 

I have made numerous attempts to contact ServiceMac to rectify this error, but unfortunately, their response has been unsatisfactory, and I am yet to receive a resolution. This situation has caused undue financial strain as the incorrect payment has not been refunded to my account. 

Despite multiple attempts to contact ServiceMac, there has been no meaningful action on their part. Their response has been inadequate, and they insist that it was not their fault. Furthermore, they have indicated that the resolution process may take up to three months after a thorough review and verification, a timeline that is wholly unacceptable given the urgency and nature of the issue. 

I request your intervention in addressing this matter promptly. I am seeking the following resolutions : 1. Immediate refund of the overpaid amount of {$9900.00} to my escrow account.

2. Clarification and correction of the payment allocation process to ensure such errors do not occur in the future.

3. Compensation for any associated fees or charges incurred due to this error. 

I believe that the Consumer Financial Protection Bureau ( CFPB ) is the appropriate authority to investigate and resolve this matter. I am formally filing a complaint and seek your assistance in facilitating a swift and fair resolution to this issue. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-04-24
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. (VA)

I reported to Equifax that XXXX XXXX XXXX XXXX of XXXX was reporting to them fraudulently. I opened an account in XXXX of XXXX and closed that account in XX/XX/XXXX and the account was paid in full in XXXX of XXXX. All XXXX bureaus reflect this. Equifax reported me in XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid in full in XX/XX/XXXX and I asked for XXXX to close the account and paid it in full at that time. XXXX took my payment and told me the account is now closed. Other agencies reported as closed and paid in full. Paid as agreed. The XXXX XXXX XXXX dates and action that Equifax is reporting is not accurate. I have reached out to Equifax and XXXX for a resolution with no one getting back with me. This is fraud and I need my account updated correctly as I was not a card holder of XXXX during the inaccurate reporting. Nor was I ever late with them. Nor do I owe them any outstanding balance.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (GA)

Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by ForexXXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2024-01-24
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: Coast 2 Coast Financial Group, LLC (TX)

There is an account on my credit report that is reporting late payments in XXXX and XXXX of XXXX which is incorrect. I was never late on this account and XXXX is the only credit reporting agency reporting this information. Furthermore, the statement on my credit report says that it was " past due two or three times ''. This is not accurate reporting and does not meet FCRA guidelines. I am requesting that Coast 2 Coast lenders submit an AUD to XXXX to fix this error. At this time, I am only asking for this account to updated to paid as agreed or removed from my credit report. If this is not fixed within 30 days, I will have no choice but to proceed with legal action due to clear violations of the FCRA and defamation of character. Please see the attached credit report and update this account immediately :
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Year of XXXX  purchased a vehicle with Infiniti as the cobuyer, finance manager informed me my name would be taken off in 6 months, XXXX XXXX is the primary buyer, XXXX which is who the loan is with falsified my name as the primary owner because they could not find XXXX XXXX, they REPO the vehicle after it was stolen for 60 days, they did not contact me or XXXX XXXX to buy back, they waited 3 years to reach out and tell me i owe them around XXXX when they sold the vehicle and never given proof of sale or who they sold it too. This is all against the law, they been harrassing me making threats, reporting late payments on my credit when i do not even have the vehicle or loan with them. They first closed the account and reported it was resolved, then they sold the account to another creditor thats been harrassing me also making threats. Ive tried to resolve the issue by asking for proof but now its past the 3 year mark and they have to remove this off my credit. they are reporting late payments when they sold the vehicle on whatever date they sold it because again i do not even have that information. I reached out to XXXX XXXX and they have it on his credit too. So they are reporting late payments and also a debt on two persons credit, that is illegal in marland and they also did not contact XXXX XXXX about this. He has disputed it with XXXX and informed them that this is his loan.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (GA)

XXXX was the discharged amount ; this was discharged in XXXX Cavalry sold it to XXXX and XXXX which they filed a petition in XXXX XXXX XXXX on XX/XX/XXXX. I was not notified until XX/XX/XXXX and they did not give me accurate enough time to answer. This charge was charged off my credit a while back. They guy who brought the papers to my doorstep portrayed XXXX  as someone else and then gave the paperwork to my husband. This particular person I have seen before in my neighborhood did not know who he was until XX/XX/XXXX.
Consumer complaint received 2023-10-02
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. (IL)

There is information on my consumer report that is result of identity theft.i did not provide written permission or instructions for the identified transactions to be reported on my consumer report.i am requesting that the reporting of this information be blocked and deleted.my request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.the identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX You are required what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.i look forward to your response.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

I did receive credit to my account for the amount of XXXX from a local store called XXXXXXXX XXXX XXXX For groceries that were undesirable and were sent back, I was credited the amount of XXXX by said Store as well as from Wells Fargo Bank. For the last few days, the Money disappeared from my account. Called them numerous times and was given the run around by the Fraud dept. claim Number XXXX. Will also be putting in a complaint against the store that was supposed to be credited back my Money in the said amount of XXXX There is no transaction on my account anywhere of that amount, it just magically disappeared I know how much money I had in my account, and Wells Fargo just wiped it off of my account. I have been with this Bank for fourteen years, and as soon as this is taken care of I am closing my account with them. Bank Fraud on their part.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

I purchased this Nissan XXXX XXXX  from XXXX  XXXX Nissan, according to the XXXX no payments are supposed to be due until XXXX the dealership confirmed this via text ; and on the XXXX. 

XXXX : XXXX Nissan hasnt sent any billing notices ; I have no way of paying this note without a billing notice, the dealership confirmed my online account was attached to someone else 's email ; and had no way of changing it. 

I would like the billing notices to be sent via mail ; with payment options ; and XXXX to abide by the XXXX.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I am submitting this CFPB Complaint to demand that the Credit Reporting Agencies remove the fraudulent and inaccurate personal information being reported on my Credit File in accordance with the Fair Credit Reporting Act. The names, and addresses presented on my Credit Report are either inaccurate that it does not reflect my accurate and lawful information or resulted due to identity theft. Either way, I am demanding that the Credit Reporting Agencies remove the fraudulent and inaccurate personal information off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. I sent a dispute letter to the Credit reporting Agencies last XX/XX/XXXX, XXXX with complete attachments of my personal identifying documents as well as a copy of the FTC report I received from the FTC XXXX
Consumer complaint received 2024-04-24
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/2024 I had my complete credit file pulled and there were incorrect collections on my report. 
XXXX XXXXin account # XXXX XXXX XXXX account # XXXX in the amount of {$870.00} and another account from XXXX XXXX account # XXXX in the amount of {$4500.00}. I have spoken with each agency and was told it would be corrected however neither account belongs to me.I have no knowledge of these accounts and would like them to be removed.
Consumer complaint received 2024-01-24
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: SANTANDER HOLDINGS USA, INC. (CA)

Santander has stolen money submitted unilaterally that I sent on XX/XX/24 for XXXX. The payment made included statement saying it was for my rent so unsure why they went ahead and cashed it. I tried calling they hang up. They also have made false statements such as incorrect amounts on past bills and added fees they have not previously mentioned. They have stolen from me and I demand this company investigated properly and provide me with additional information as to when I will be getting my rent money back.