davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
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. (AL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-16
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-07-02
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. (PA)

This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

XX/XX/2021 XXXX XXXX XXXX EquiFax I called and went online to all three credit reporting agencies to order my report and talk about other individuals possibly asking for credit reports in my name. 

I was not able to talk to anybody because my identity didnt match or pass the test. 

I again tried obtaining report on the website and again was not able to get to my report. 

I would very much like to know who has changed my information so that I am refused access to my reports. 

I am now receiving text messages that there is negative reporting on my credit file. 

I am aware of individuals that are using my name around town to throw me into an abyss of financial and personal problems.
Consumer complaint received 2022-05-26
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. (TN)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have reached out by letter and by phone to Experian to update personal information, on my credit file, so far they have not complied, the address they have listed are and out dated, and I fear my identity has been compromised because of it.
Consumer complaint received 2021-06-15
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 — Problem with personal statement of dispute
Company: Stern Recovery Services, Inc. (NC)

Greetings, This is a formal complaint against Stern Recovery Services for violating my HIPPA rights. I requested removed from all three credit reporting agencies which includes XXXX. The actions of XXXX XXXX XXXX XXXX violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Stern Recovery Services in their question to damage my credit standing based on motivation and retaliatory tactics for filing a complaint against Stern Recovery Services Inc with the North Carolina Office of Financial Regulation. Please review the following attachments. Stern Recovery Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (MI)

XX/XX/XXXX I reported my card stolen. I had XXXX on it. They agreed to cancel and send new. Well XXXX came and I still had no card.. and no way to access my funds. XX/XX/XXXX I was finally able to get into my account to see the shocker. It was negative almost XXXX. And then I see that {$600.00} stimulus was loaded on it and netspend kept that too. So XXXX XXXX is gone. Then I see a few days ago that {$1400.00} stimulus was deposited into the account and netspend blocked me out of it. I called. I argued I've fought. They said send documentation of identity. I've sent my ID 10 times not kidding. I've sent my social security card I've sent my car titles utility Bill 's insurance papers birth certificate 10 times. Each time they pick apart a reason why they wont accept it. I answered question about myself even the government wouldnt asl and they have flatly refused to release my money. I want it opened long enough to transfer my funds into my bank account that is it. And they refuse. I feel like they stole the XXXX and now my XXXX from the government stimulus check. They also sent me a message letting me know they took there fee out 7 times. Please I beg you please help me get those crooks to give me what rightfully mine. They have no right to hold it and I feel like I'm being exported.
Consumer complaint received 2021-06-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I informed the office of the attorney general of Texas that because of the new court order, the paymebtbhistory needed to whipped clean and all payments needed to be marked on time. I recieved this response from an oag representative : Hello XXXX XXXX. I have reviewed your case, found your balance to be lowered since last month in the amount given. As a result, I have sent a correction to Experian, updating the status as current, correcting the balance amount, and clearing the delinquencies in the pay history. Please allow for 3-5 business days for it to properly be reflected in your credit report. 



XXXX XXXX Support Officer IV Field Services Office |Child Support Division XXXX ( direct ) XXXX I will also attach screen shots of the email. 

They did what they said they would as they were legally required to. I will attach a screen shot of the correction. 

On XX/XX/XXXX of 2021 they decided to go back on what they said they would do, as they were legally required to do, and marked two payments late that they previously stated should be marked as on time per the email recieved from them. 

Please correct this most current mistake, or just stop reporting oag, as they clearly have no idea what they are doing, no two people there seem to be in the same page. If they cant keep it straight how am I supposed to keep it straight? This question wasnt rhetorical I'd really like an answer. Are there not laws that prevent them from doing this sort of thing? And this question as well needs to be answered. 

Sadly oag is allowed to report to federal entities but has no obligation to answer to federal entities, meaning no one is making sure they are not violating my rights. Enough is enough. They need oversight. 

If I failed to attach what I said I would, please let me know, as I'm looking at very small thumbnails if the images because of the limitation of my phone and the cfpbs system.
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (WA)

I was accepted for a car loan through American Credit Acceptance in XXXX. The amount loaned was about {$8000.00} at a high interest rate. It is now XXXX and my work has been affected by the pandemic leaving me unemployed for about half of the year in XXXX. I have paid over {$12000.00} on my car that is now only worth {$2500.00} according to XXXX. I offered to pay them {$3000.00} coming to over {$15000.00} to settle and pay off the car in full. They rejected my offer after explaining my situation and that i have paid over {$3000.00} in repairs. I can not refinance the car due to its age and mileage. When i called the pay off was {$5400.00} and even though i have been affected by this pandemic they still did not accept my offer. I believe this is Bad Business Practice as i have already paid so much over what was loaned and what the car is worth. I do not want to file for Bankruptcy so please be more compassionate during these times. I offered them more than a fair amount only to get rejected and taken advantage of. This is a Predatory company taking advantage of people who are already going through hard times.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I spoke with several different Capital One Auto finance representatives about my payment for the month of may, Due to the fact that the payment was made over a holiday weekend, the representatives informed me that even though the payment was posted XX/XX/XXXX it was not going to be reported as late because it was made XX/XX/XXXX. I have been a loyal and on time customer with Capital One Auto Finance since XXXX, this miss payment reflection on my credit file is due to misinformation and I am requesting for it to be adjusted. Upon my discovery about the late payment reflection, I spoke with another representative and they ensured me that their department would be happy to help me resolve this issue successfully. I have provided all the information needed for them to execute the adjustment successfully.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has come to my attention that you have not taken the necessary steps to remove items despite being provided with an FTC fraud report, specifically # XXXX, as mandated by law under FCRA Section 605b. This complaint includes my new FTC report, # XXXX, for your reference. In the event that you choose not to remove the account detailed below, which is inaccurately reported due to identity theft, I want to make it clear that I am prepared to take legal action. While legal recourse is not my preferred course of action, it becomes necessary if compliance with the law is not observed. Therefore, I urge you to promptly remove the fraudulent account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}. If you contend that this account is entirely accurate and verifiable, I require you to furnish me with copies of any documentation associated with this account bearing my signature, as I am certain none such documents exist. In the absence of any such documentation with my signature, I formally request the immediate deletion of this account from the credit file associated with my Social Security number. Please be aware that you have a legal obligation to remove the reporting of this account from my credit file within 4 business days, as it results from an alleged identity theft. I explicitly do not consent to XXXX or any form of automated verification.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Due to Covid-19 forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have a late payment on my report, I want removed because I am a victim of Covid-19 and legally should not have them there.

Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XX/XX/2020.
Consumer complaint received 2021-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2021, I made a payment for {$300.00} to my American Express credit card using XXXX XXXX XXXX. 
American Express is stating that they have not receive the payment, however, XXXX XXXX XXXX sent documents that the payment went through and they've debited my checking account of {$300.00}. 

We're XX/XX/2021 and American Express have not credited {$300.00} and XXXX XXXX XXXX debited my account {$300.00}.
Consumer complaint received 2021-07-02
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. (FL)

These accounts are not mine and I do not know them. I am asking you to remove them from my profile. I feel that this is a fraud and I want to keep safe my credit profile.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (NC)

just received a notice from A.F.N.I. debt collection from an old XXXX XXXX account that was fraudulent being misspent on female graduate student former employee 's their last count was around 5 different females the store owner was XXXX  around with. after non-approriate action to close out account i the consumer had to cancel services with company after bill kept going up for no reason with the auto payment withdraw from checking account was being over-billed and after going to store to complain about the bill i was asked to leave and do not return all monies was receive and manager was satisfied with response on this timely manner situation. so, i left and started making payments in XXXX, n.c. and reached out to an employee their who was promoted to mgr position following her prmotion from XXXX site to XXXX and i explained too her what was going -on their at the XXXX site location, and she inform myself to turn in the devices that i had a contract with that was paid for at the XXXX  site and inform the manager that an complaint would be filed for fraudulent overdraft withdrawal from my checking account, and now the store is closed, the women the manager was XXXX XXXX  with are now managers in XXXX XXXX n.c. and XXXX  XXXX s.c. and store managers in georgia as well. so, here i am complaining again for the 3rd time in 3yrs too close out account, this bill for {$1300.00} can go right back to the employee 's pocketing the money as well.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I am having a very difficult time with Mr Cooper. I have tried to get a loan modification approved a couple of times and have been denied. I have never been approved for a loan modification in the past. I was default before COVID hit and was trying to get approved. Mr Cooper denied. Then when COVID hit California I lost my income. Mr Cooper placed me on a forbearance for 18 months. On XX/XX/22 I was declined again for a loan modification. Mr Cooper is stating because they can not lower the payment. Of course you can not lower the payment after an additional 18 months of COVID default. Modification does not mean lower the payment. It is a restructuring of debt to avoid a foreclosure. I am asking for a loan modification to save my home, and can afford a higher payment. I am back to work full time.
Consumer complaint received 2021-06-15
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. (GA)

This Collection is showing on my credit report with Experian : XXXX XXXX, XXXX XXXX creditor : XXXX {$370.00} Account number XXXX Collection opened XX/XX/2021 Balance updated XX/XX/2021 This does not belong to me I call and verify this is under a XXXX XXXX with a SS # ending in XXXX. When I advise them to deleted the collection agency disconnected the call. I never had XXXX
Consumer complaint received 2021-06-16
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. (OH)

NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it MayConcern This complaint is being sent to the bureaus due to an unsigned letter of debt andseveral listed errors on my credit file.Please be advised that the items below are disputedand validation and proof of claim of the disputed debt are requested in accordance with theFair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the followingnew Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All ofwhich work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligationthat is lawfully owed by the Claimant. In order to make arrangements to pay an obligationthat may be lawfully owed, please document and verify the debt by complying, in goodfaith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt ofthis letter. This is NOT a request for verification or proof of Claimant mailing address, but arequest for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titlesand Sections. I respectfully request that a re-investigation with competent evidence as perthe attached Declaration and Proof of Claim that I have any legal obligation to pay you theunsubstantiated alleged debt. Furthermore, please advise all debt account companies shallcease all verbal communication. No phone calls to me or my job. Due to this fact ; if anynegative mark is found on any of the credit reports by these companies or the company thatyou represent I will not hesitate in bringing legal action against you and your client for thefollowing : Violation of the Fair Credit Reporting Act Violation of the Fair Debt CollectionPractices Act Defamation of Character Violation of United States Code TITLE 18 PART 1CHAPTER 63 1341 ( Mail Fraud ) Please provide verification or delete these items : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.