davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The company in question, XXXX XXXX XXXX XXXX and other consumer reporting agencies such as XXXX, Equifax and XXXX and reporting account information without my consent. This is a clear violation of The Privacy Act of XXXX, 15 U.S. Code 6802 and 16 CFR 313.7
Consumer complaint received 2021-08-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-08-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EOS Holdings, Inc. (AZ)

I was a co-signer for a private student loan in XX/XX/XXXX for a relative. I co-signed on the loan in the state of IA. The first payment on the loan was due in XX/XX/XXXX. Since I am a co-signer, I was not aware that the primary owner of the loan defaulted on the loan until it went into collections. When we asked if there was a way to resolve this to remove my name as a co-signer, and it was stated that we would have to pay the full loan and there was no negotiating. We asked if they tried to contact the primary loan owner and they stated that this person was not reachable even though we provided an up-to-date address and cell phone number. 

They also called my wife, my other adult children, my sister, and my nephew to try and collect the debt. 

Just yesterday, they presented me with a certified letter with a threat to take legal action against me. The certified letter did not indicate who was sending the letter at all. I was not aware of that information until I opened the letter. I have drafted a letter to dispute this claim since the primary loan owner has claimed they are working with a debt counselor to resolve the issue and they are also working full time and have an established address in the state of Iowa.
Consumer complaint received 2021-08-03
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, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XXXX XXXX XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

I keep receiving a collections from Truist Bank XXXX BB & T Bank regarding some bank overdraft fees. Accts. : XXXX $ XXXX {$110.00} The last collections came from XXXX XXXX  XXXX XXXX ( XXXX  ) their files XXXX XXXX  and XXXX XXXX. 

I have requested the proof of debt which I received from XXXX  on XX/XX/2021. Upon examing the proof of debt, I found out the person who opened and used the bank account had the same name as I, but absolutely a different person. Further, the address provided on both bank accounts was never my address. On XX/XX/2021 I sent a certified mail to XXXX explaining this debt was not mine and to a cease and desit any communication with me unlex they could actually prove that I was the one who opened and use those 2 bank accounts. 
For my dismay, yesterday, I received another collections letter from XXXX. 

This situation seems to be their modus operandis, where they keep harrassing law abiding citizens violation their FDCPA rigths. 

I want the bank to cease and desist this collection effort together with XXXX  and or any other collections agency. 
If the resolution is not satisfatory, I will pursue the matter legally. 
I sincerely hope you can help me resolve this matter cleaning my credit and good name. 
Thank you, XXXX XXXX
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a debit, pre-paid card from Bank of America link from EDD benefits, every two weeks EDD deposits money to a checking account created for to withdraw money and general purchases only. On XX/XX/2021 the Unemployment department benefits deposited {$1400.00} on to Bank of America, then I get a alert on my phone, so I new I had money to withdraw for my pay rent, on Monday the XXXX someone stole my identity of my debit, pre-paid card and the thief took out {$1000.00} and then on XXXX the thief withdraw out {$480.00}. I have a alert from Bank of America that I sign up online to alert me if I am low in balance {$25.00} or less, I got the alert so I checked on line why?? I was low in money, well soon enough I figure out I am a victim. The thief used a bank on XXXX XXXX, XXXX XXXX XXXX, XXXX California Branch of Bank of America, ATM I would guess, I called Bank of America on XX/XX/XXXX told the situation and they transferred me to claims dept. claims, they took my complaint and gave a claim # XXXX and they also requested for me to do a police report to fax them. On XX/XX/XXXX made the police report online. Next two days I called claims dept. and ask how is my case going!, claims department C/S said to that I was approve to reimbursement for all amount {$1400.00} just may take few days. On XX/XX/XXXX I called claims dept. again, so same again they tell me that the money will be deposit may couple days that it said in their system, C/S apologized again, oks again nothing, on XX/XX/XXXX I get in the mail a letter from the bank written I will get my money deposit. On XX/XX/XXXX I received actual police claim report and on XX/XX/XXXX, I faxed to claims, again I called claims, same I ask what is hold up, but this time C/S told me different story that would take up to 90 days. So there I am not getting my money deposited until now {$0000.00}, so I decide to take action and call you guys. Please help me assure Bank of America to reimburse me, {$1400.00} I am sure the bank has a coverage as all banks have I know that. Police report is XXXX XXXX XXXX I have spoken with detective XXXX # XXXX office XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown’s New Credit Bureau Inc. (MA)

Past due medical bill from XXXX XXXX XXXX XXXX was purchased by Browns Collection Service out of XXXX Arizona with my original balance being {$1800.00}. Browns collection service has been charging me interest that was not part of my original contract with the hospital. The last balance I received from Browns Collection Service was {$3100.00}. There has been at least {$1300.00} that I have been charged in interest I never agreed to.
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MCMC Auto LTD (TX)

XXXX I submitted a complaint to this company about their deceptive business practices they give you an extended warranty with a company that you can not get through too the dealership I took my car too, stated they have never heard of such warranty company you could never get through to and things on the brochure they don't honor them after three days I finally got a representative on the phone which sounded incompetent and didn't know his job I decided to go ahead and pay for the repairs, I was out town stranded long enough I submitted information to them, McMc Auto was very heartless and unprofessional didn't care that I had to cover for may stay sent in proof of expenses which was never reviewed the dealership information is incorrect on their response back to CFPB a member of management never contacted me after several requests this company operation is deceptive and predatory.They need to be investigated their account managers are unskilled and lack knowledge.no respect or common sense used for their customers, no structure Predatory Lending.Also they tell you your loan will be transferred to another lender which is a lie they are fraudulent.
Consumer complaint received 2021-08-03
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. (MA)

HI ; SEE ATTACHMENTS for the cases and prior lawsuits ... It's impossible that these accounts can be verified as accurate. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Consumer complaint received 2021-08-03
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. (FL)

THE INQURIES AND ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PURSE AND SOCIAL SECURITY NUMBER AS WELL AS MY ID TO OPENT THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I recently applied for a car loan. XXXX  XXXX XXXX told the dealership they couldn't get a credit report because of a freeze on my account. XXXX XXXX has no freeze. XXXX  has no freeze. I don't know when or why there is a freeze. I did not put it on. When I spoke to Experian customer service ( impossible to get a person ), they told me the federal government put a freeze on my credit on XX/XX/21. First off, how is this possible without my knowledge? It is a violation of my privacy and civil rights to do that without my knowledge or consent. Customer service rep at your agency told me to write this complaint. I demand to know who put the freeze on my account and why? I will pursue legal action if needed. XXXX. 
XXXX XXXX
Consumer complaint received 2021-08-03
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: Todd, Bremer & Lawson, Inc. (UT)

Around XX/XX/XXXX I found out I had a collection for my XXXX XXXX  student loan reporting on my credit so I hired XXXX XXXX to help me speak to them and resolve the account. 
I was unaware of this balance since my father used to help me with this loan in the past, I've moved several times and I don't have access to my student account. 
Regardless, XXXX and I have been in communication with them since I found out about it and have been working on a reasonable settlement to close this out. Two collection agencies and 4 months later we finally reached a settlement and I have requested for this collection to be deleted once it is settled in full because I never received a bill, collection calls, or collection emails about this account. I did not have a fair chance at paying this prior to it going to collections or reporting on my credit which is against FCRA. I'm taking responsibility for the debt and would just like it deleted once they get their money back. 

XX/XX/XXXX I spoke with XXXX ( Supervisor at XXXX XXXX XXXX  internal Collection Dept ) and she states that they did in fact receive returned mail so they were well aware I did not receive the bills.
Consumer complaint received 2021-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (SC)

An unauthorized ach debt payment was taken out my account for the amount XXXX and and additional XXXX on XX/XX/30. Called lending once I was made aware of overdraft fees from my XXXX XXXX account due to insufficient funds. Other payments I made was getting bounced and rejected because of the XXXX taken out my bank account. Called lending club XXXX and XXXX representatives submitted a refund incorrectly along with a supervisor. Called back that evening to find out if the refund was approved. Lending club representative said it was filed incorrectly and refiled the refund and said they would put a rush on it. Called lending club back XXXX and again talked to XXXX respresentives XXXX was a supervisor. XXXX they couldnt put a rush on the refund and there waiting nothing they could do it takes 7 business days to processing. I was told told to send in the overdraft fees as well and they would take care of that. Did that but No one can find a submission of that either. My family has been put in a finically dire situation due to them. Our utilities and food expenses are not being able to be met due to their error.
Consumer complaint received 2021-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

To whom may this concern : I have been with Lakeview Loan Servicing, LCC since I purchase my house on XX/XX/XXXX. Since that time, I have recruiting payments online through their website services. On XX/XX/XXXX, they made 3 times charges to my mortgage for {$2800.00} ( these charges were reflected on my bank statements on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. I contacted Lakeview Loan Servicing, LCC several times back and forth with the bank and I tough I finally got everything clear. Out of these 3 charges to my account, Lakeview Servicing, LCC got its XXXX mortgage payment and they sent me a check for the amount of {$2800.00}, but the bank and I noticed there was one more payment missing in their end. 
From XXXX to XXXX, I had a dispute with them for my {$2800.00} that was missing on Lakeview Servicing, LCC and it seems they will never found it. To make things worse, they sent me documents for Pre-Fore closure. My bank finally retrieved there {$2800.00} from XX/XX/XXXX and they gave me temporary credit. My complain is : 1st. Lakeview fail to find out and do an audit to their employees about that missing payment in their end. 2nd. Every time I called them, they were trying to collect more mortgage payments because according to them I was delinquent in my payments, even do they knew my case, and they knew the bank would not allow me to make more payments. 3rd. They sent me PRE-FORECLOSURE documents. 
On XX/XX/XXXX, I finally was able to clear my missing check with the bank, the bank retrieved the payment for XX/XX/XXXX from Lakeview Loan Servicing, LCC. Finally I pay my mortgage for XXXX, XXXX and XXXX. But I believe its more to come from this mortgage company.
Consumer complaint received 2021-08-03
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. (NY)

In the month of XX/XX/2021 30 days ago, I disputed via mail certain particular accounts and inquires that appeared to be erroneous reported on my credit report due to identity thief and fraud.. I'm a victim of identity theft and I'm seriously being affected in my personal life because of these account 's which should have been removed and blocked. 
This information is entirely inaccurate and the credit bureaus have failed to reply within the 30 day time frame regarding their alleged investigation.
Consumer complaint received 2024-02-05
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. (GA)

I have several items being reported to all XXXX credit bureaus, XXXX, XXXX and Equifax that's causing severe damage to my credit. 

15 U.S.C 6508- I have the right to opt out on anything on my credit report.

15 U.S.C 6802-6805- obligation and disclosure of personal information 15 U.S.C 1681- permissible purpose ( remove all hard inquires ) * Any charge-offs on your credit report with a 3rd party debt collector means that the item is CHARGED-OFF.

*When your debt is sold over to a 3rd party debt collector, it is then considered as a certificate of indebtedness. which goes along with the 1099c which is now considered as income and INCOME CAN NOT BE REPORTED TO YOUR CREDIT REPORT. 

I have addresses on my credit report that are NON- MAILABLE XXXX told me that that would remove them as well as Equifax XXXX but XXXX is refusing to remove the addresses and refusing to tell me where they got the address from, but they are making reports to my credit which is in violation of my rights under the Privacy Act of 1974. 

Items being reported to each credit bureau that I am opting out of, and need removed : 1.Dept. of EdXXXX XXXX ( 3rd party ) - reporting {$1100.00}, {$460.00}, {$1500.00} and {$4800.00} all 4 items were discharged and are still being reported to all XXXX credit bureaus. 

XXXX XXXX sold over to a third party ( XXXX XXXX XXXX XXXX XXXX still reporting {$610.00} to all XXXX credit bureaus. 

XXXX XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX XXXX still reporting {$540.00} to XXXX and Equifax XXXX 

XXXX. XXXX XXXX XXXX {$1100.00} charged off ( removed from XXXX but still being reported to Equifax and XXXX ) XXXX. XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX - {$1000.00} charged off still being reported to XXXX and XXXX. 

XXXX debt was discharged, the contract was falsifying information and null, and void due to XXXX never sending over my paperwork to my lien holder which was XXXX XXXX and the company also paid my car off through my SOCIAL SECURITY, got my lien release paperwork, and has been selling my title and was still taking money from my account for over 2 years. They are still calling me harassing me for a payment for a vehicle that is paid off and also had my vehicle reposed and auctioned. Still being reported to all XXXX credit bureaus. 

XXXX. XXXX XXXX-sold over to a 3rd party ( XXXX XXXX XXXX ) {$1000.00} still being reported to all XXXX credit bureaus.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (LA)

Chase bank closed my account I had funds deposited to my account and the unemployment office showed me a letter saying bank rejected it but chase denied Amy transactions or rejections but the work force has showed me they have gotten funds back and should be available today or tomorrow the problem is I have been trying to fix this matter and I've been put on wild goose chase the bank can't seem to find my direct deposit more than one contact me asap XXXX asap I have not received my funds and it been 5 days ago since payments were released
Consumer complaint received 2021-08-03
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. (CT)

XXXX  XXXX  XXXX : I have never taken a course or class from this institution that put a charge on my account. I have proof. Nor do they have proof I took any class from them. I have tried several times to have this removed from my account the only thing left is to sue due to the loss of home and income and harassment.. this charge was wrongfully put on my account. I want it removed from my credit reports
Consumer complaint received 2021-08-03
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: Bridgecrest Acceptance Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-03
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. (FL)

I found some information which is not mine. I would like to immediately dispute. I believe that I may be a victim of identity theft and I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2021-08-03
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. (IL)

I submitted requests to : XXXX, Equifax and XXXX, asking them to remove my bankruptcy from my credit report, because : 1. They are violating my rights to privacy.

2. They are ruining my credit reputation.

I have not heard anything back from them. My letters were sent on XX/XX/XXXX, and as of today, I have not received any investigation results. 

Please help.