davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I wrote a letter for the fourth time disputing inaccuracies on my credit report with proof of the inaccuracies and how the bureaus are in direct violation of my consumer rights. On top of the obvious violations after they keep claiming account meets FCRA requirements and i just showed on the attachment how they are not. I have a right to claim {$1000.00} per violation i have pointed out. It has been more than 30 days i mailed my letter off on XX/XX/21 and i have not received a response. I dont expect this complaint to become a stall by stating you dont recognize the user when i am attaching you proof of my identity. I demand these accounts get deleted immediately.
Consumer complaint received 2021-08-11
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-16
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. (MD)

On XX/XX/XXXX, I traded in my XXXX XXXX XXXX for a XXXX XXXX. The amount of the purchase was XXXX and purchasing time took six ( 6 ) hours. 

But unbeknownst to me, the finance director had contacted several finance companies for financing and they all pulled hard copies of my credit report. The dealership ( sales rep or finance director ) didn't even inform me of what was taking place. I've heard of finance companies pulling soft copies of consumer 's report but not hard copies. This action by the dealership caused my credit score to drop approximately 15-20 points. I can't believe that they would be so desperate for a sale that they would bring down a customer knowing that it would negatively affect one 's credit. After leaving the dealership, I received several notifications from my credit monitoring company informing me of changes to my credit information. I logged into my account with XXXX  XXXX  and noticed that I had inquiries from the following banks, i.e., XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. These inquiries are damaging my credit report and I would like to have them removed. 

After finding out what had taken place and how the dealership went about making the sale, I was not happy with my purchase. I will not purchase a car from them again.
Consumer complaint received 2021-08-17
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 am distressed and constantly have XXXX  attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

XXXX - Set up via XXXX XXXX XXXX Bill Pay. {$2600.00} withdrawn from bank account on XX/XX/XXXX, posted on Mr. Cooper on XX/XX/XXXX XXXX - Payment ( {$2600.00} ) sent via bank and set up as electronic per usual. I received a rejection stating that Mr. Cooper is requesting check. Therefore the bank sent a check. Mr. Cooper never received the check. I called my bank and requested a cancellation on the check so that I could pay over the phone. I was told by Mr. Cooper that this required a fee. I argued asking the fee to be waived since I had set up the payment to arrive on time. It was suggested that I pay online. Mr. Cooper 's website kept blocking me. The fee was waived and I downloaded the app. This payment was posted on Mr. Cooper on XX/XX/XXXX XXXX - Tried paying via the Mr. Cooper app ( {$2600.00} ). I received an 'error ' message each time I tried submitting the payment. I was now able to login via their website and I was receiving the same 'error ' message. Therefore, I went through my bank once more. {$2600.00} withdrawn from bank account on XX/XX/XXXX, posted on Mr. Cooper on XX/XX/XXXX. 

XXXX - I went to set up my payment ( {$2600.00} ) for XXXX and I was told that XXXX was not received. I checked the app and I saw a reversal credit of my XXXX payment. Mr. Cooper said there was a system issue that affected customers nationally. I did notice that the amount was not deducted from my bank. I had a payment scheduled for XX/XX/XXXX for XXXX. I was told by the rep that as long as the payment came in by the XXXX of XXXX I would be fine and that I would just need to make payments by the XXXX of each month moving forward. 

XXXX - XXXX payment ( {$2600.00} ) was deducted from my bank account on XX/XX/XXXX. On XXXX, I received a text message from a Mr. Cooper " collector '' that I'm now behind 2 months. Freaking out, I went on the app and tried to submit a payment and received an alert that I will be charged {$88.00} for a late fee. I received another 'error ' message when trying to submit payment. So now my credit is in jeopardy ( I've never missed a mortgage payment in my life ). I called Mr. Cooper and they did not receive my XXXX payment. They asked that I call my bank and have proof sent to them. I called my bank and they can not fax or email Mr. Cooper the information. I will have to go to a location and request that the information be printed for me. I would also need to schedule an appointment first. I sent a screenshot of the deduction from my bank account to the email address Mr. Cooper provided. I'm very concerned about my credit!
Consumer complaint received 2021-08-16
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. (MS)

Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated XX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The XXXX XXXX company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

debt was charged off in 2008 in South Carolina called today was told by XXXX XXXX that the he was collecting a very old debt from Bank of America and was threating legal action we asked about the statute of limitations being way past, he said in not so many words they had a loophole and we best comply
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (CO)

Sadly due to the downturn in the ecomony and loss of job we fell behind on our Discover card. Discover wrote the debt off as a write off. 

This XXXX we received a summons to respond to a court filing about this debt. We were not given a case number and we were told in the paperwork not to show up to court but rather to file an answer. Of course the paperwork also asked us to resolve the debt if possible and the paperwork from this random collection agency also stated they would help us to resolve it. 

Along with these requests we informed the agency that we live in an area that does not received USPS mail and provided them with our mailing address. We had not received any communications from them prior to the lawsuit being filed. 

We attempted for 2 months to contect them using every option available. We called, we emailed, we submitted requests through their website, we faxed them, nothing. We did file an answer with the courts and asked for an extention so that we could work this out with them. We received nothing. 

That was until a wage garnishment happened. Now, we are stuck with a wage garnishment, and we are happy to pay off the debt, at this point we have no other choice, that is until we can obtain legal counsil and begin litigation. 

The amounts that they are garnishing us for is NOT being accuratly accounted for by the collection agency. In addition, I've asked to mailed a statement so we can understand why they are not appling the funds correctly. We are and have been prepared to pay this debt in full but they refuse to communite with us, nor will they respond to our requsts. 

Example - Starting Debt was {$9100.00} To Date Wage Garnishments - {$1500.00} Payment Directlty to them - {$5000.00} Total outstanding {$2600.00} Accounding to their website today it is {$3600.00} So again, missues to funds and not being applied to the account. In fact they have only applied the additional payment and have not applied any funds received via almost 2 months of wage garnishments. 

I log in to the account weekly, and update our mailing address, they the debt collector continue to change it back to our physical address. I have emailed, I have faxed, I have called them and they refuse to update our information nor will they send us information about this current debt to a location that we can receive it at. This has been going on for months and there appears to be no end in site. Please help us!!!
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/2021 XXXX XXXX, Transunion, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio
ns
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-08-16
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (PA)

I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender .. this was ran through a third-party with out my permission for these particular company thanks you
Consumer complaint received 2021-08-10
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)

Heres the problem the following accounts orginated from my identity being compromised, therefore they are fraudently reporting on my credit file. And this has emotionally and mentally challenged me, Therefore, Im demanding the remove of these accoints. 

1. XXXX XXXX XXXX {$870.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX XXXX {$1000.00} 4. XXXX {$710.00} 5. XXXX XXXX {$22.00}, XXXX 6. XXXX XXXX {$100000.00} 7. XXXX 8. XXXX
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is a new complaint. 

I contacted Capital One on XX/XX/2021 with an Affidavit of Truth containing 980 violations of my consumer rights identified and highlighted. Pursuant to 15 USC 1692k each violation of Title 15 Chapter 41 is worth {$1000.00} paid in damages to the victim. That's {$980000.00} in violations and I also included damages for defamation of character, pain and suffering, fraud/identity theft, and attorney fees totaling {$520000.00}. Pursuant to 15 USC 1692k ( a ) ( 1 ) I can seek ANY, meaning whatever amount I feel satisfies the pain I endured from their fraudulent actions. Now, Capital One responded on XX/XX/2021 to my Affidavit of Truth and Invoice/Bill of Particulars without an affidavit of their own, therefore my affidavit of truth went unrebutted, placing them in default. Nor did they provide any proof that they " loaned '' me money via a notarized ledger entry showing money leaving one of their accounts and entering my account ending in XXXX. They provided nothing of the sorts, and confirmed that they have committed identity theft and fraud. I've attached my original Affidavit of Truth, all the violations I found and highlighted from past correspondence with Capital One, my Invoice/Bill of Particulars, my Notice of Default to them, along with their response on XX/XX/2021 to my Affidavit of Truth and Invoice/Bill of Particulars. They are in major violation and need to pay my demand expeditiously. With this Notice of Default I sent out today on XX/XX/2021, they now have 10 days from today to pay this Invoice/Bill of Particulars or be in further default.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have reported to XXXX  and Equifax with updating my personal information properly or at all. 

XXXX  has Not updated my name correctly as I have request for months now as well as my address. They have an address attached to my file that needs to be removed and they don't have name printed correctly, yet they won't make the necessary changes. 
I spoke to someone on the phone and they told me that I would have to have the creditors send a notice to verify my personal information. How does that make sense when these companies a lot of times have your information implanted incorrectly. 

Equifax also has my name printed incorrectly as well as multiple addresses that need to be removed and is basically refusing to update my personal information. 

I've sent certified letters to these bureaus with a copy of my updated license, social security card and a proof of my address and they have not change that information. 

My name : XXXX XXXX XXXX My address : XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2021-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted several disputes to TransUnion regarding XXXXXXXX XXXX XXXX it's gotten hard inquiries that was fortunately placed on my credit report I have had Had problems in the past with this issue and identity theft my emails have been found on the dark Web And despite my letters amd emails/phone calls to transunion they refuse they refuse to remove hard inquiries. And/or supply me with proof that such inquiries are verified it it has been months they are not willing to work work with me these these false reports on my credit credit report is causing great hardship It's harboring me to obtain financial opportunities that may help me provide for my family TransUnion has a total disregard for the federal trade act and ignore ignores any XXXX XXXX  sponsors that I submit I approve of satisfying mail and also emails that I have sent to TransUnion for the last 3 months months with no relief in sight please help
Consumer complaint received 2023-06-06
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: TRUIST FINANCIAL CORPORATION (FL)

Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

Chase bank is the worst open account with them later on Im seeing insane activity money taken from my account to now owing them XXXX when they took my money in the first place report my card got new one same thing told them about fraud no help nothing got a new card the same thing I wan na everyone to know chase is a rip off making up XXXX
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

Equifax criminally and civilly injured me as a result of their reckless and criminal leak of data in XX/XX/2017. They caused me and my children severe harm and near XXXX during the pandemic as a result of their criminal negligence. 
I have had to place a freeze on my credit because of their criminal negligence and removing that freeze temporarily is XXXXMPOSSIBLE. They refuse to allow me to process this online as was the case today and require me to call XXXX. When I call I get jerked around for an extended period of time, most of the times, as today, I answer a series of questions, their phone system does not work and does not register my responses and I spend all this time only to then be kicked off the system due to unusually high call volumes or we are closed. The fact that our government and this agency still allows Equifax to operate is beyond ridiculous, they XXXX up and then prevent people from being able to rent or buy homes due to their recklessness and lack of accessibility to service the customer. I am able to lift security freezes from other credit bureaus in seconds, with Equifax it usually requires several days, several calls, several agents who barely speak XXXX and a phone system that appears to be designed not to work. What are you people doing? I know I cant be the only person lodging these complaints.