davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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)

All I know it appeared on my credit report as a collection. I was breached in Louisiana. The XXXX was Equifax, XXXX and Louisiana XXXX. All my information was taken and used. My information was to create accounts. They have my driver 's license and social security number and my addresses. I have been told they was opening up accounts online and requested personal information in which they have. Especially bank accounts, Loans, I now have life lock. I was also reported to TeleCheck for something that has nothing to do with me. I'm accused in the so-called information that it was me because they have my information. They have XXXX in which it was my bank. My money was taken out it was XXXX dollars in bits and pieces. I don't know who did it. All together I had XXXX taken from me. So I know about the identity theft that had been going on. These accounts are part of identity I'm talking about. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank in which they closed my account. My direct deposit was being taken. I went there like always it was said it was me doing. I was told at XXXX in XXXX La. I had the same information as someone else. I'm like can I get the information. Because I just cashed a check there. I didn't. They couldn't provide the information. I had my birth certificate and social at the time on me. That what got me not being arrested that day. The clerk also said we look alike I'm shorter and thicker. I don't know. Apartments also. I see so many addresses that not mine. Cell phone companies like XXXX. XXXX companies XXXX. It's not mine They also have a lot of inquiries that is on my report. Only inquiry should be there is XXXX XXXX Its a loan company.
Consumer complaint received 2024-04-03
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. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-12-07
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. (SC)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed because. According to 15 USC 1681.I have the right to privacy, and I did not give Equifax written permission to furnish these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

I received an alert from XXXX indicating that they have blocked an inquiry made to my credit report with the intention of opening a new credit card. The company listed was ComenityCBXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Ohio XXXX Obviously this was an attempt at identity theft. I was lucky to have previously placed a lock on my credit report through XXXX so the identity theft was blocked. Im concerned with what else can happen knowing that someone out there has my information. I called comenity and was transferred to the fraud department- was on hold for over 45 min before giving up and disconnecting the call.
Consumer complaint received 2023-04-11
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: ENCORE CAPITAL GROUP INC. (AZ)

In accordance with the fair credit reporting act these creditors, ( XXXX/XXXX  and Midland Credit Management XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my vivid instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 U.S.C 1681. 

Account ( s ) : # 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 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 more than seven years.

15 U.S. C 1681-2 ( A ) ( 1 ) Section, 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 that the information is inaccurate.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I fell ill which resulted in me falling behind on my car payments and as a result my car was repossess and sold at auction. The problem comes in that I was never given a proper deficiency notice which is required by NC state law nor was I given the time nor location of where the auction was taken place which is also against NC state law. Being that I was unable attend the auction due to not being provided with the time nor location of the auction nor receive an appropriate deficiency balance there isn't anyway for me to verify the debt. 
The company XXXX XXXX XXXX did put a remaining amount owed on my credit report starting back on XXXX XXXX but the balance has changed several times. I have tried to reach out to the company through phone to no avail and they do not have an email address for me to message them about the issue. I have raise a complaint with both XXXX and XXXX on the matter which both companies conducted a 30 day investigation and found that my statements were accurate. Even within those 30 days still didn't hear anything from XXXX XXXX XXXX. Thought unfortunately there are still discrepancies across all three of my Credit Reports with this company. XXXX is still showing the balance XXXX claims I owe which is {$6500.00}, while Equifax shows same balance but not the total amount. Also there are discrepancies with amongst the credit reports with last payments receive.
Consumer complaint received 2023-02-03
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. (PA)

My name is 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.
Consumer complaint received 2024-03-30
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. (AR)

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 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am victim of identity theft. These items are not conducted by me as a consumer : XXXX XXXX via 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
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. (PA)

My info was bought and sold illegally, because i was a victim of the data breach for Equifax, I want these items deleted from my credit report effective immediately, I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and has done nothing. Please help me delete these illegal accounts from my credit reports, I am sending all the names of the accounts and the account numbers. I am also attaching proof.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/XXXX Called synchrony Lowes customer service XXXX -- > transferred to XXXX -- > I told them I would like to pay the debt that is being reported on my credit -- > was told debt cant be paid as the debt was written off and the balance forgiven -- > I asked for documentation of this -- > was told that only a 1099-C could be given -- > I agreed to them mailing me the 1099-C -- > 1099-C received -- > dispute was started with XXXX XXXX XX/XX/XXXX -- > dispute was resolved no change was made as synchrony Lowes stated information was correct ( according to the dispute ) -- > called both synchrony Lowes and XXXX XXXX -- > synchrony Lowes stated that they let the Credit Bureau know the debt was forgiven -- > All three Bureaus stated that the account was owing and delinquent XX/XX/XXXX -- > started another dispute XXXX XXXX -- > called both synchrony Lowes and XXXX XXXX -- > synchrony Lowes stated that they let the Credit Bureau know the debt was forgiven -- > All three Bureaus stated that the account was owing and delinquent XX/XX/XXXX -- > called the ( XXXX ) XXXX instead of going to the recovery team was routed to the collection agency XXXX XXXX XXXX -- > called multiple times same issue -- > called XXXX XXXX did a three-way the rep heard and state he was start a dispute for incorrect information -- > got frustrated and stop calling XX/XX/XXXX -- > called the Fraud unit of Synchrony Lowes Credit Card was internal transferred -- > Rep stated that they could only send 1099-C XX/XX/XXXX -- > called XXXX was transferred to recovery after a long while -- > they sated that the would start a dispute on there side no information was given to me so i could track told to call back in XXXX  days XX/XX/XXXX -- > had to call the Fraud unit again to get tranferred i even did a three-way so that the agent could see that i was being routed to another company once i gave my information to the auto machine
Consumer complaint received 2024-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

In XXXX XXXX XXXX, I called the mortgage company and requested that they cancel the PMI from my mortgage loan. I was told to send them an email message which they provided to me their email to send it to and put the loan number in the subject line and type in the email that I request to have my PMI removed from my loan and include the loan number, too. They said to me that it was 'all ' that I needed to do. So, I composed the email and submitted it to them. I was told that it will take up to 5 business days for a response. I received a letter from them dated XX/XX/XXXX which says, " Your loan had an original principal balance ( excluding finance UFMIP ) with a loan-to-value ( 'LTV '' ) ratio of less than or equal to 90 % and the monthly MIP must be paid for the first 11 years of the mortgage term, or the end of the mortgage term, whichever occurs first. According to the law, it says I have the right to ask my mortgage servicer to cancel PMI on the date the principal balance of my mortgage is scheduled to fall to 80 % of the original value of my home. Also, it says that my mortgage servicer is " legally required '' to grant my request to cancel my PMI as long as I meet certain requirements which I do. Right now, I am at 65 % of the original value of my home. It was under 80 % when I put in the request last XXXX. I put in a new request on yesterday, XXXX XXXX XXXX  in hope that they would remove it. Also, we bought our home on XX/XX/XXXX. On the letter, it notates XX/XX/XXXXXXXX XXXX XXXX That is incorrect.
Consumer complaint received 2017-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (VA)

Penn Credit Corporation alleges that I owe {$410.00} for a red light traffic violation on XX/XX/2015. Firstly, Penn Credit failed to properly serve notice of the violation. I, XXXX, never received a ticket nor violation notice from a human person. I am inclined to take legal action unless Penn Credit immediately ceases all collection attempts. 
Under the Fair Debt Collection Practices Act, 15 USC Section 1692, a debt collector must provide a verification of the alleged debt. The debt collector is mandated to cease all collection activity until verification is provided.
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (KY)

It is my understanding that anyone or any company that voluntary buys debt of another removes any liability of the person owing a debt. Also, Ive never entered in any contract with LVNV FUNDING LLC. Please remove yourself from my credit report because I do not owe you anything
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

I paid sallie mae student loan when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX XXXX then became Navient who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for XXXX and XXXX XXXX for my information/identity leak. I worked for XXXX and was an XXXX XXXX
Consumer complaint received 2023-04-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

Hello My house XXXX XXXX XXXX XXXX XXXX Texas XXXX is a rental property under a VA loan. During Covid XX/XX/XXXXXXXX XXXX my tenant refused to pay rent and said since my home was protected under the Cares ACT XXXX Texas had a moritorium on evictions. 
Finallly in XX/XX/XXXX that ended. They did not pay rent for over 2 years. Any my husband is XXXX XXXX fireman and XXXX veteran. On XX/XX/XXXX he was seriouly injured in a work fire and had over XXXX XXXX through today... He was medically retired XX/XX/XXXX after 30 years and he is Veteran XXXX XXXX XXXX... I have submitted 13 modification applications and they either claim denied by investor or they never receive them. I filed a compliant with XXXX Housing authority too... I have tons of equity in the home just had it appraised for {$470000.00} and we owe with all back payments {$200000.00} We spent over {$30000.00} this year on mold remediation issue. BSI wont help us with any modification of this loan
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (FL)

Former complaint and it still isn't resolved with XXXX and XXXX. Please see attached documents to add to my complaint. XXXX is marking up my credit.
Consumer complaint received 2024-03-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OneMain Finance Corporation (TX)

My account with my main one financial was opened in XX/XX/year> and I was told it was closed off due to lack of payments but during the time it was the first wave of XXXX and money started getting tight and I couldnt pay because I got sick with XXXX and I traveled to XXXX where my car broke down and I explained it to the attorney who was representing them now that after many threats they wouldnt let me talk to anyone else but the attorney and much recently after my account being closed off for XXXX years because of lack of payments they decided to take out a lawsuit against me and forced me to pay every XXXX of each month and if not it would mean jail time and while I had to agree they also put on me a agreed judgment and theres a whole bunch of add ons and over priced interest