davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties.

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX  XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX  XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX  XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX  XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time.

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically.

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship.

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7.

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request.

I emphasize that any opt-out clauses established by XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX  XXXX XXXX internal policies, the rights granted by federal laws take precedence.

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-04-19
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I was working for a XXXX  for approximately 5 years from XXXX. I thought American Education Services was applying the payments toward the PSLF program. I recently learned that my loan had to be consolidated in order to receive credit towards this program. No one had explained this to me. I just began working in XXXX XXXX and need to " start the clock '' all over again to be approved for loan forgiveness.
Consumer complaint received 2022-04-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Nissan XXXX XXXX XXXX has put in my Credit report Illegally, they had admitted that they made a mistake and are still trying to collect on their mistake. they will not release the Call logs because they know they will incriminate themselves and are trying to hide their mistake
Consumer complaint received 2024-03-07
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. (WV)

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

I have disputed these fraudelent credit inquiries multiple times Equifax blatantly ignored my multiple dispute letters asking them to investigate and remove these inquiries. This is a violation og my rights under the Fair Credit Reporting Act, 15 U.S. Code 1679c.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 

XXXXXXXX XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXXt # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights unknown Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights
Consumer complaint received 2022-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: STATE BANK OF INDIA - NEW YORK BRANCH (IL)

I have been using XXXXXXXX XXXX XXXX  XXXX as a regular customer for several years. Recently, a couple months back they transition to a new banking website, which has resulted in several issues as below 1. The bank has tried to implement a 2-factor auth, but that utilizes a communication engine that sends duplicate alerts, mistimed/lagging messages, and complicates completion of transactions. In fact, late messages through text messages can confuse the user and cause them to re-login to validate transactions.

2. Internal secure messages are build one-way, and don't allow a complete two-way exchange to be processed as a single thread. One needs to spawn a new message and add the context each time. 

3. On XX/XX/XXXX, XXXX XXXXXXXX XXXX had a OTP system debacle causing many transaction to fail. One of mine was erroneously copied over 3 times. Imagine the plight of user who see a triple digit remittance request copied over thrice, with no means to cancel it. The bank doesn't have an online chat option, off hours call desk, and even during business hours, either the answering person reverts at their convenience ( only during XXXX CT ). These conditions may fluctuate or get better sometimes, but it tends to make the bank uniquely unreliable ( unlike any other US banking entity I have worked with ).

4. The bank sends monthly statement in paper to registered address, but there is no way to select electronic only statements, or even turn off paper ( if someone was to be away from home for few days/week ) causing the controls to be counterproductive ( unfavorable for privacy of individuals receiving large volume of paper statements ).

5. Generally employees are cooperative, but there is a lack of desire to change or modernize processes in line with other progressive banks. 

Instead of suggesting customers different workaround ( e.g. fax a request for remittance when online system crashes, or wait for IT to fix their systems ), Bank should adhere to the competitive benchmarks, regulatory controls, and digital standards. 

These are some of the examples of a poorly designed digital system, with broken processes, and lax customer service, worth noting as governance and financial/security controls gaps, that deserve systemic fix. It takes multiple follow-ups and reminders, which the bank has been apparently slow in responding. 

Efficient markets may work to drift customers and their business elsewhere, but for those that want to give another chance, would the bank please take notice?
Consumer complaint received 2023-02-16
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. (FL)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
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: Experian Information Solutions Inc. (TX)

RE : XXXX XXXX XXXX XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information. Please block this information from my credit r
eport, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Delete any other address listed on my credit report other than XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I appreciate your prompt attention to this matter, and await your response. 

Sincerely, XXXX XXXX Enclosures included with Victim of Identity Theft/fraud letter mailed to the credit bureau Copy of Police Identity Theft Report Proof of identity : copy of drivers license XXXX XXXX XXXX XXXX partial credit account number
Consumer complaint received 2023-06-29
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. (MA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Company : NAVIENT Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Reported balance : {$8600.00} Opened : XX/XX/2012 ( XXXX yrs, XXXX mos ) Term : 108 months ( 9 years ) This loan acount is invalid, they charged off the amount without prior notice that they removed the cosigner and negotiated a settlement with the co-signer, but not me. I had no idea they were going to charge this loan off. They report as " late '' each month for several years, but it's not open, it's closed. They refuse to speak to me through customer service, and I have had no luck working out any progress with the company.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$6900.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; 6XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX  Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4300.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (WA)

In agreement with the Fair Credit Reporting act. The List of records underneath has abused my governmentally safeguarded customer privileges to security and classification under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX I Do Not Live There. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The accounts listed above have disregarded my rights. 

15 U.S.C 1681 area 602 A. States I reserve the privilege to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It additionally expresses a shopper detailing office can't outfit a record without my composed instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer revealing office might make any purchaser report containing any of the accompanying things of data Any other unfavorable thing of data, other than records of convictions of wrongdoings which precedes the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) An individual will not outfit any data connecting with a purchaser to any customer detailing organization assuming the individual knows or has sensible reason to accept that the data is inaccurate.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is reporting I Owe {$220.00} on my experian credit report. I NEVER HAD A XXXX XXXX ACCOUNT NOR ORDERED ANYTHING FROM XXXX XXXX. I WILL SUE XXXX XXXX  AND EXPERIAN IF THIS INCORRECT INFORMATION IS NOT REMOVED
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.