davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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. (ID)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX acct. # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX A. 
XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXXXXXX XXXX. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-07-21
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
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. (AZ)

I was shocked to see that all those months I have been paying these accounts on time, the Credit Bureaus are reporting late payments on these accounts, which is just outrageous. I do not believe I am late on the date the Credit Bureaus report. Their records are not consistent with my own, and I firmly believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I am requesting the Credit Bureaus to please investigate this account thoroughly and correct any inaccuracies for legal accuracy. It is crucial that my credit report reflects the correct information to avoid any negative impact on my creditworthiness. I need the Following Accounts investigated and corrected for legal accuracy : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$78000.00}. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The inclusion of inaccurate information violates my rights and can lead to severe consequences for my financial well-being. I kindly request a swift and thorough investigation into this matter and have this account corrected without further delay.
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (NC)

I received a phone call from an Affirm account specialist regarding fraud on my account. They needed my verification code and a copy of my drivers license to verify my identity. As soon as the phone call was finished, I noticed 2 huge virtual card loans with XXXX XXXX  in an amount totaling nearly {$5000.00} with a 32 % APR taken out on my Affirm account, so the phone call was a scam. I immediately called the real Affirm and reported this and all they have said is that they will investigate it I woke up to find that they have allowed over {$1000.00} of the virtual card to be spent by the scammer so far despite them KNOWING this is fraud and despite the loan not having been processed or authorized yet! I called them again and spoke with a supervisor and they stated that until their investigation is complete that is all they can do. I reported this right away and they are STILL allowing the scammer to spend money on a virtual card on a loan under my name and refusing to do anything about it! I am absolutely horrified that they have not put a stop to this and are allowing this to go on. This company is not protecting me against this fraud and what they are doing is absolutely CRIMINAL. I need something to be done about this right away as they are not helping me at all and are completely unsympathetic and dont care about fraudulent activity happening to their users
Consumer complaint received 2022-11-09
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. (CA)

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



Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

12. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

13. The following account is not mine XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-21
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This hard inquiry is not correct and dont know why it is showing on there as a duplicate. Please delete as I have no knowledge as to why this is on my report and what it pertains too. As I contacted them by phone & email as u will see in this complaint. Thank you TRANSUNION REPORT HARD INQUIRY XXXX XXXX ( BANK ) XX/XX/2022 XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX Balance : {$290000.00}
Consumer complaint received 2022-11-08
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act all these companies 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
Consumer complaint received 2023-07-20
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

Paypal refused to send Paypal debit Mastercard ending in XXXX, & now requires extensive verification to login, leading to conclusion of data mishandling. 
This is why I attempted to close account which Paypal refuses, insisting on completion of non-existent pending transaction. Paypal insists I transfer direct deposit to account, & potential inactivity fees as I was given a digital card.
Consumer complaint received 2023-07-20
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. (MO)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have not used my Bank of America credit card since XXXX of XXXX, nearly XXXX  years. The reason is simple : when I navigate to the Bank of America website -- or use its banking app on my XXXX -- I can not determine whether the auto-pay feature is activated. 
I have contacted Bank of America numerous times to point out this shortfall, and have indicated that I will not use my credit card until they revise their online portals to indicate CLEARLY whether auto-pay is activated. 

I have switched to XXXX and XXXX credit cards -- charging up to {$10000.00} per month -- because their websites and apps indicate clearly whether auto-pay is activated. 

Similarly, I have discouraged my wife, son, and daughter from using their Bank of America credit cards. 

An objective observer would conclude that Bank of America conceals this information because their business model depends on customers missing payments and accruing interest payments.
Consumer complaint received 2022-11-09
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)

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 * Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX *Account name : XXXX XXXX XXXX acct # Act. # XXXX *Account name : XXXX Act. # XXXX *Account name : XXXX XXXX # XXXX *Account name : XXXXXXXX XXXX XXXX XXXXXXXX. # XXXX *Account name : XXXX XXXX acct # Act. # XXXX *Account name : 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 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. 16815-2 ( 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 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For over a year I have been trying to obtain a modification with my lender Bank of America. I have had my mortgage for over 20 years originally with Countrywide Mortgage then Bank of America acquired Countrywide Mortgage. Bank of America denied the modification stating they could not verify qualifying income. I have worked as a salaried employee in the XXXX industry for over 30 years. I do have a side XXXX XXXX business with my son. Seven months ago I brought in a third party, XXXX XXXX who is a underwriter and she developed the Loss Mitigation Department in XX/XX/XXXX for Countrywide Mortgage. I have not paid her a dime and she reviewed, underwrote my financial package and has re-submitted the package numerous times with the same result of denying the modification for not being able to verify qualifying income. A year ago I did submit Profit and Loss Statements that I completed not my accountant for XX/XX/XXXX and start of XX/XX/XXXX. I am now in foreclosure which was recorded in XX/XX/XXXX. I do not want to lose my home. Not one representative could give a straight answer as to why they keep denying the modification since XXXX XXXX has re-submitted updated, paycheck stubs, bank statements, direct deposits, 1040 tax returns and financial form. Finally two weeks ago XXXX XXXX got to the bottom of the denial that it was because of the Profit and Loss Statements I originally submitted almost a year ago. Instead of conditioning for proof of that income they kept denying the file. XXXX XXXX contacted my Accountant, XXXX XXXX and he completed and signed XX/XX/XXXX & XX/XX/XXXX Profit and Loss Statements and also the XXXX & XXXX Partnership Returns. Bank of America came back again and stated they could not verify qualifying income. Also they state that XXXX XXXX XXXX XXXX, XXXX is the Investor on the loan, they are not they are the Trustee. XXXX XXXX contacted XXXX XXXX XXXX  XXXX, XXXX and they stated they are not the Investor but the Trustee. Bank of America has a lot of mis information as far as my mortgage loan go. Please help me. Attached is one of many of the denial letters. This circumstance has created a huge emotional and mental hardship on me. Have gone through a financial hardship and divorce that is why I have requested a modification so I can get on with my life.
Consumer complaint received 2023-07-20
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. (LA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-11-08
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. (TX)

I have spoken to Equifax Office of Consumer Affairs on XXXX, until this date they have continued to violate my consumer protection rights as a consumer. They have issued my consumer report to a third part agency ( XXXX XXXX ) listing the items that are fraudulent on my credit report. They are reporting late payments on an account, XXXX XXXX  XXXX XXXX, XXXX, Equifax sent a letter in the mail with a confirmation that the prior payment history has been removed. I have filed Mutiple complaints through the CFPB regarding the Equifax Office of Consumer Affairs, and nothing is done. Please help me to understand how an agency that is issuing consumer reports are able to not keep accurate information and continue to report fraudulent information to third parties regarding my consumer profile.
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Credit bureaus are incorrectly reporting a collection that was posted on my credit score from Fair Collections and Outsourcing ( based on an unjust bill from XXXX XXXX Apartments ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and Fair Collections and Outsourcing stated that they will not delete this collection from my credit report, even though I paid the collection off under duress. Additionally, XXXX, XXXX, & XXXX are still reporting this collection on my credit even though Fair Collections and Outsourcing has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. Fair Collections and Outsourcing needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score. 

Additionally, Fair Collections and Outsourcing verbally harassed me over the phone and threatened me to pay the unjust collection or they would sue me and ruin my credit score further! I demand justice for all consumers and will not stand to let Fair Collections and Outsourcing continue their manipulative tactics to take advantage of the public! Fair Collections and Outsourcing needs to be investigated by the Federal Trade Commission for deceptive and unfair business practices.
Consumer complaint received 2022-04-16
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 XXXX  Accounts # 1-6, has VIOLATED My Rights. 

1. XXXX XXXX XXXX XXXX XXXX Acct # XXXX 2. XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15U.S.C 1681 Section 604 A Section A : It also States a Consumer Reporting Agency CAN NOT Furnish a Account without My written Intrusctions.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KY)

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYST. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.