davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during these times. This is not only effecting myself but my family as well. 


RE : Last 4 SSN XXXX To whom it may concern, 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. Equifax has violated my rights.

15 U.S.C. 1681 SECTION 602 A states 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-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 information is inaccurate. 


ACCOUNTS : XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

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 XXXX # XXXX Account name : 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 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 2017-05-06
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. (GA)

I sent Experian a certified let ter on  X/XX/2017  as well as a fax on  X/XX/2017  regarding updating the accuracy of my address, telephone number and employment. They have refused to make the changes. I submitted a copy of my drivers license, social security number and a bank statement, with my current address ( which has been my address over the last five years ). Even E xperian has corresponded with me through my updated address.
Consumer complaint received 2024-03-26
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must REMOVE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal XXXX XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (UT)

I have called in to Equifax four different times to remove remarks off of my dispute for mortgage. Every time I have called them, they open up a new dispute to remove the account instead of removing three marks off of the dispute. This is now causing me to lose a House at closing due to their mistakes.the account is for XXXX XXXX.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BRite Financial Services, Inc. (MI)

I have repeatedly sent letters to the creditor Brite Financial. I have sent multiple letters requesting to exercise my right to opt out and the company never responded last letter was sent XX/XX/XXXX. The account is reporting as a charge off which means the company received a tax break on the debt which now makes the debt a certificate of indebtedness. Per the IRS Publication 4681 states reporting cancelled debts as income, Generally canceled debts must be reported as income on your tax return, and you may receive a form 1099-c from the creditor reporting the canceled debt amount to the IRS and to you. I have not received a 1099c from Brite Financial. I have also sent a letter to opt out of the account reporting. The company continue to report the account disregarding the letter I as the consumer sent to opt out. This is also a violation of the Privacy Act of 1974 which aims to protect rights of individuals by regulating how federal agencies collect, maintain, use, and disclose personal information, including provisions related to sharing personal information to third parties. Brite Financial stated they will not share my information with any third party affiliates but yet the credit reporting agencies have my information without my consent. Account listed below BRITE FINAN Account XXXX XXXX
Consumer complaint received 2021-01-07
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. (NY)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-07-06
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. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-06-23
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. (MA)

My name is 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.
Consumer complaint received 2023-07-05
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. (LA)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2017-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I requested an analysis on   XXXX   of my escrow account since my property was new construction when I closed in   XXXX   XXXX  . Since the property was new construction my taxes were set up using the tax amount on the unimproved value and not the improved value. I was told account analysis would be done in   XXXX   since my account has been with the servicer for less than a year. However, I was told on  XX/XX/XXXX  I could request an out-of-cycle analysis. On   XXXX   I requested the analysis and was told I had to wait until   XXXX   for my account to have an escrow analysis done. What benefit is there to me to wait until  XXXX  for my account to be analyzed and find out my payment is being increased and there is a shortage in my escrow account?
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'd like to express my concern regarding the slow progress of the investigation into my dispute, despite my previous escalation. I was advised to wait for 30 days for the investigation, but there has been no progress thus far. I am disputing and requesting the removal and update of an inaccurate late payment on my credit report, which is tarnishing my creditworthiness.I want to emphasize that this late payment is inaccurate and does not represent my credit history correctly. I have consistently maintained a positive payment history with the mentioned creditor, and there were no late payments during the disputed period. The presence of this inaccurate late payment on my credit report is negatively affecting my creditworthiness and financial standing. I am dedicated to maintaining a favorable credit history, and this reporting error is causing unwarranted damage to my credit reputation. Here is the account I want to be updated : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Special Financing Company, LLC (MS)

I am having a problem trying to find out is it possible for me to break contract with  Special Financing Company LLC   XXXX   XXXX   XXXX   XXXX , Virginia  XXXX  Phone : (  XXXX  )  XXXX  Regarding my purchase from merchant :  XXXX   XXXX   XXXX   XXXX   XXXX  Account #  XXXX  Amount Financed : {$1900.00} Minimum monthly payment {$98.00} First payment date :  XXXX / XXXX /   2016. I have  been paying them for a year and this money I am sending them it is not going towards my payment decreasing my student loan. I spoke with a representative on the phone because I am in the process of getting my loan recertified for  IBR which means Income Base Repayment because my income is very low. She told me the representative that only the {$110.00} I am paying them is going towards my loan amount for decreasing it and the money that   XXXX  Special Financing    Company  is not doing anything for me and that I could have easily called them to have gotten my monthly payment for IBR in the amount of {$110.00}. I want to know why I was led to believe they are helpi ng me I want this contract broken with them if possible or are the legal company and why was I target. When I try to call  XXXX , the same voice comes on the phone saying that you have called after hours of operation and just leave a message when you can not leave a message because the mailbox is full. I needs answer because right know I have completed forms for my bank to stop  Special Finance   Servicing from takin g any amount out of my account in the amount of {$98.00} or any amount.
Consumer complaint received 2024-02-29
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. (FL)

THE INQUIRIES LISTED BELOW ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

on XX/XX/XXXX I entered into a mortgage forbearance plan as a result of being affected by Covid 19. The forbearance was effective from XX/XX/XXXX to XX/XX/XXXX and I was advised that during this period, I would not be penalized for late payments. On XX/XX/XXXX, PHH Mortgage flagged my account with the credit bureaus as being 30 days late. After corresponding with the company, they informed me that there would be no adverse credit reporting and everything is fine, but the account on my Credit report is currently flagged as 30 days delinquent and everything is not fine. the representative forwarded a request to look into it but no resolution was made.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (OH)

They go by Natilonal Credit  Adjuster  or  XXXX , They have repeatedly called my job on several occasions harassing my co-workers and supervisors saying that they are trying to find me and other personal information. My Supervisor even had a talk with me worried that a personal  investigator or  something was trying to find me. They can not call my place of business and leave voicemails and harass others frequently. They called in    XXXX   XXXX     2017, and   called again on    XXXX   17. And t hat is just the recent ones that I can remember! I have been in to uch with them and they say that they will send me verification of the debt, which they have not. They also say that they are going to serve me with a summons several times, which they have not. they say I have a case # which is not valid as a court case #. I know the law and informed them that this is misleading and they tried to say that I was getting hostile and it I did n't admit this debt they would be forced to seek legal action which they have not!
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One is my bank. I use their bill pay and have had problems with them getting the monies to the payee in a timely fashion. I realize that some of the companies need to have checks written which is absurd in this day and age. The latest incident involved my bill pay to XXXX. The money was taken out of my account on XX/XX/XXXX but was not received by XXXX until XX/XX/XXXX. That is a total of 22 days that I did not have use of my money and XXXX was not paid. When I paid the bill I was given a confirmation that the bill/check was to be received by XXXX on XX/XX/XXXX. Needless to say the bill was past due by this point. 
Who had and where was my money during this time period? I feel that Capital One uses these delays in bill payments to balance their books and meet their cash reserves. This is done at a detriment to their clients and is an unfair practice.
Consumer complaint received 2024-03-26
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX - XXXX XXXX  XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-07-05
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. (NY)

I have two charged off accounts on my Equifax, XXXX from XXXX - XXXX and XXXXXXXX XXXX. XXXX and XXXX Accounts have been charged off on my Equifax for nearly 8 years and I have disputed them with this credit bureau and the accounts have yet to be removed only the remark has changed that I have disputed.
Consumer complaint received 2017-05-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

Car purchases  XX/XX/XXXX  Loan thru  Fifth T  hird Ba nk - GAP Coverage purchased All payment mad e one time - 2 mon ths pre-paid  XXXX   XXXX ,  XXXX  - car was totaled Around the end of  XXXX  or  XXXX   XXXX  - Bank call and told me to protect my credit I had to make another car payment as the GAP coverage had not been paid and the money would be refunded once claim was settled. {$340.00} was sent and received by them and posted on  XXXX   XXXX .   GAP payment was made  XXXX / XXXX / XXXX  Bank has returned {$68.00} on  XXXX / XXXX / XXXX  & {$160.00} on  XXXX / XXXX / XXXX  after much communication and a complaint filed to the Oh io Better Business Bureau!    The {$110.00} balance I 've been told by GAP is UNEARNED INTEREST which by definition ( DEFINITION of 'Unearned Interest '. Interest that has been collected on a loan by a lending institution but has not yet been counted as income ( or earnings ). Instead, it is initially recorded as a liability. If the loan is paid off early, the unearned interest portion must be returned to the borrower. ) should be returned to me. The bank is refusing to refund this amount.