davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

In XXXX of 2020 I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from XXXX ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (TX)

in accordance with the fair credit reporting act, the list of below accounts had VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LIST OF RIGHTS VIOLATED : 15 u.s.c 1681 section 602a states i have a right to privacy 15 u.s.c 1681 section 604 a section 2 states a consumer reporting agency can not furnish my information with my written instructions 15 u.s.c. 1681s-2 ( a ) ( 1 ) states 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 it is inaccurate :
Consumer complaint received 2022-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have attempted several times to get my mortgage modified with Rushmore Loan services XXXX XXXX XXXX, my loan number is XXXX, last name XXXX. I have also attempted several times to stop the foreclosure until my haf application results come in but they ignore all my requests. 

I advised them of damage to the home from XXXX XXXX and again, disregard my pleas and have continued with the foreclosure. 

Right now I have a pending Haf application and they still don't want to stop my pending foreclosure. My sale date is XX/XX/2023. 

Can someone please help me have them stop the foreclosure sale until Haf makes a decision and for them to then modify my loan? 

I have been trying for 3 years.
Consumer complaint received 2023-11-09
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. (NC)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX CITE 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (MD)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-09
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)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-12-10
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. (MD)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-08
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-10
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. (IL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-24
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, 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 XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (AL)

In accordance with the fair credit reporting act, this creditor ( Santander ) has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (TN)

Money Market account was advertised with an APY of 3.50 % but I am getting 0.01 %. Went to the bank on XX/XX/XXXX for this rate, called on XX/XX/XXXX to say I did not receive the rate.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OLD NATIONAL BANCORP (IL)

Late XX/XX/2023 Old National Bank sent a Loan Payment Notice for my final payment of {$590.00} due XXXX XXXX, 2023, which was paid on time with my check for full payment posting to my account as paid on XX/XX/2023. 

Thereafter, Old National Bank sent a series of collection letters claiming my account was past due and that I must pay {$540.00} or face collection with associated attorney 's fees, court costs and other charges, all as detailed in the timeline uploaded with this complaint with supporting documentation. 

On XX/XX/2023 I sent Old National Bank a written Debt Dispute/Debt Validation Request pursuant to the Fair Debt Collections Practices Act ( FDCPA ), requesting backup. Old National Bank failed to respond to the request for backup but continued to threaten collection. 

Ultimately, in a telephone call on XX/XX/2023 Old National Bank confirmed it seeking XXXX and XXXXXXXX  DOLLARS ( {$16.00} ) was due, which was paid immediately via ACH payment. Nonetheless, Old National Bank reported my final payment more than sixty ( 60 ) days delinquent, damaging my credit. Old National Bank has refused to correct the misinformation with credit reporting agencies in violation of the Fare Credit Reporting Act.
Consumer complaint received 2022-12-10
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. (TX)

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX. 

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost XXXX hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$6200.00} Balance updated XX/XX/XXXX Original balance {$5200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Consumer complaint received 2023-06-19
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. (NJ)

In XXXX, my discovery revealed XXXX, Trans Union, XXXX, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness in the website of XXXX. XXXX requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

XXXX. There is about 130 Transactions that I did not authorize and they just wont refund the money. Nor will they provide a reason to me why they didnt. They have refused to refund me and wont give a reason now. I also showed proof of fraud and they still said the claim will remain closed. And they just open a new claim with a different transaction solely to investigate the old one but were past 10 days and they refuse to work with me and Ive only gotten the run around and treated awfully even been called rude things by there staff. So Im very upset and in a bad spot financially now.. I truly need help ASAP. Im down XXXX now.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

XXXX I paid off all my student loans IN FULL ( according to my knowledge ) XX/XX/XXXX ( XXXX  years later ) I got an email saying I owe {$12000.00}. Whatever, maybe I missed something. I paid it off again IN FULL. This time I documented that I had no chargers left on the Mohela account ( see attached documents ). 

Than XX/XX/XXXX I get an email, yet again from our friends at Mohela. You owe {$22.00}? Please pay now ( see attached screenshot ). 

This time I can't log into my account, I tried resetting passwords. It says it doesn't even recognize my social security number or birthday. 

I am at the point where I think they will ask for random money the rest of my life and I want to be free. They are impossible to get ahold of, not thi seemed like my only choice.
Consumer complaint received 2024-04-06
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. 

XXXX XXXX XXXX, XXXX 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 consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person sha
ll 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.