davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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. (CA)

XXXX XXXX closed my account and they are reporting late payments for XX/XX/2024 According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX : The financial institution and the consumer reporting agencies Equifax and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to Equifax, XXXX or XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED.

15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option.

ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This a
ccount is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law.

15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : 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.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time. 
" I AM OPTING OUT OF YOUR REPORTING SERVICES! ''
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (WI)

I am writing to follow up on my previous complaints regarding the unverified and inaccurate items on my credit report, which I have brought to your attention. Despite my request for an investigation, these items remain on my credit report, causing significant distress and frustration.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I received my the first copy of my credit report I found many errors starting with my personal information leading to account information that were never corrected with the following Credit Bureaus Equifax, XXXX, and XXXX. On that day I wrote a letter to all 3 Credit Bureaus stating that my personal information was incorrect on my credit report, they did not correct that information. I then wrote a letter on XX/XX/XXXX stating and describing all 19 items that are reported on my credit report are being reported inaccurately and needed to be corrected or deleted. They have failed to correct that information. I then wrote a letter on XX/XX/XXXX stating the same information again and they have failed to correct it. Im reaching out to your company to help me get through to the Credit Bureaus that I have been done and injustice and they are wrongfully reporting inaccurate information on my behalf that is causing me great stress and financial hardship by not being corrected.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX XXXX and Chex Systems Inc. to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my Chex System report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, I have been Seriously Scammed a few times by people I have trusted, However, these people had sent me bad checks and I had cashed them not knowing they were bad and I was punished for it by my Banks and it was not my fault! It shut my bank accounts down and the cashed checks that were bad went on my credit report. The amount is so high I can't remove it, and I have no help from anyone. I am on long term XXXX and have been for over 25 years, I just wish to get mt Credit Score straightened out, I know I will never see that scammed money to pay the banks back which totals {$21.00}. 
Warm Regards, XXXX
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX Made XXXX $ electronic transfer on the EDD bank of America app . 
XXXX Representative tells me it could take a week because this is my first electronic transfer. 
XXXX I contact XXXXXXXX XXXX XXXXXXXX about the {$900.00} to see if the money is pending. The representative says that there is no pending transaction to call Bank of America. 
XXXX-Representative sends me to transfer services ( XXXX from Nebraska ). He makes me repeat my account number and routing number to confirm that I didn't send it to the wrong account. It matches and I was told the transaction was still pending. He asks if I just want the money sent back to the prepaid card and I said Yes. Then I was told it would take no longer than a week. 
XXXX I call again because the money is still not there. I called over half a dozen times and was repeatedly hung up on. 
XXXX A representative sends me to transfer services again. I speak to XXXX this time and he tells me that he can't do anything. I get sent to the XXXX Department. I speak with XXXX. She said she was going to file a claim but never gave me a timeline to call back if I don't get any word back. I also ask XXXX if I should send my bank statements as proof that I never received the money into my XXXX XXXX XXXX XXXX XXXX. XXXX does not give me an answer and moves on with filing my claim. 
XXXX Receive a letter about my claim. Bank of America says they won't do anything, but will contact XXXX XXXX XXXX  as a courtesy. 
XXXX Receive a letter from the claims department that they confirmed my transaction posted to the requested account. 
XXXX I contact XXXX XXXX XXXX about the posted transaction. XXXXXXXX XXXX XXXX  denies that a {$900.00} deposit was posted. 
They ask me to contact Bank of America for proof of a transaction. 
XXXX Today I call Bank of America asking again about the transaction and get sent to the claims department. I have been on hold for over an hour and a half with the number XXXX. I log into my Bank of America 's website for EDD, and click dispute transaction. They number they provide on the website is XXXX. It is unacceptable that Bank of America has lead me on for over 2 months. I have called repeated to get this transaction fixed. 
resolved. It is {$900.00} that they have lost and refuse to refund me. 
XXXX Bank of America receives my complaint on this portal. 
XXXX They reply that they need an additional two months on top of their two months to reply. They stalled so CFPB could do nothing. 
XXXX I haven't received anything about my claim and it has been way passed the extra two months they asked.
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this 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 n 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 us 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 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 n 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Our mortgage was sold to another bank and is now serviced by a company called Select Portfolio Servicing ( SPS - spservicing.com ). SPS charges a fee for each online mortgage payment if payment isn't done via auto-pay, and I'm not certain this is legal. Especially because our last mortgage servicer charged no such fee. We've seen class-action lawsuits against other mortgage servicers for similar fees ( eg. https : XXXX # XXXX ). See attached screenshot describing the fee.
Consumer complaint received 2018-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX XXXX XXXX this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXXXXXX XXXX XXXX is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from two different debtors. 
XXXX XXXX XXXX has to be removed from the three major credit reporting agencies I have written to the Transunion major credit reporting agency an as of this date removal of this XXXX XXXX XXXX has not been removed.
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

I've received abusive calls/voicemails letters etc ... from Sunrise Credit Services , Inc. without my consent. I received threats to report my information to Credit Agencies, and that they are attempting to COLLECT A DEBT. Oddly, after I sent Certified and Notarized mail ( through their Registered Agent XXXX XXXXXXXX XXXX ) requesting Sunrise Credit Services , Inc to provide proof of any contract to collect or a contract with wet-inc signatures binding myself and Sunrise Credit Services , Inc . I received no response to date. Sunrise Credit Services , Inc. willfully and fraudulently obtained my information without my prior consent and has provided no contract to collect which is identity theft, fraud, and violation of my private rights as a consumer by reporting PRIVATE information to collection agencies without proof of any contract between myself and SUNRISE CREDIT SERVICES , INC . 

Please see attachment.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, 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)

On XX/XX/XXXX I submitted a dispute letter to all XXXX bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

XXXX. Addendum XXXX : Request To XXXX XXXX For XXXX dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX of XXXX. 

XXXX. Addendum XXXX : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX. 

XXXX. Addendum XXXX : After XXXX XXXX dated on XX/XX/XXXX. Please refer to the highlighted section on page XXXX of XXXX. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the XXXX XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the XXXX years Statutes of Limitations to collect such debt, and thus should be removed.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NC)

I had my car finance with Santander and recently had my car repossessed after attempting payments that were rejected. According to them they were having problems with the auto pay option I had chosen, and hadn't notified me that they were not receiving my payments after a year and a half of on time payment history. When my health starting declining I would inform someone from customer service that I would need an extension on my payment or payment plans to accommodate me until I would be able to get my health on track as well as showing medical documentation to proof my medical history. Recently, there's been lawsuits and settlement claims from plenty of other customer with similar history with Santander.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Can someone please help me! I am being taken advantage of and it is extremely unfair! My consumer rights are being violated! I noticed some inaccurate/fraudulent items that are reporting to my credit file. I have notified the credit bureaus and have sent them dispute letters over 90 days ago. I have yet to get a response to resolve my problem. I know that the items must be investigated within 30 days of them receiving my dispute letters according to the Fair Credit Reporting Act. I need the disputed items deleted from my credit file immediately. The credit bureaus are also using stall tactics to not respond to me, giving me responses like " they need authorization from me to proceed ''. I have attached my drivers license and a utility bill to verify my identity, can you please see that they delete all accounts that are disputed immediately please.
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (MD)

The company, Flagship Credit Acceptance, has my phone number, address, and has spoken with me within the last 30 days. However, after I told them to cease and desist, they have continued calling my family member. It has happened twice within thirty days.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

Purchased flooring onXXXX. XX/XX/XXXX reported defective merchandise. XXXXreceived an unacceptable response from XXXX. XX/XX/XXXX submitted a complaint to NC DOJ. 
XX/XX/XXXX filed a small claim. 

I paid {$8800.00} to XXXX before I stopped payment for defective merchandise. 

I tried for over two years to work with XXXX and Synchrony Bank. 

XXXX XXXX from XXXX offered me {$6000.00} dollars to end all obligations to XXXX and Synchrony which I agreed Now Synchrony wants me to pay the balance on the contract.
Consumer complaint received 2022-03-21
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. (OH)

XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account NumberXXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Inquiries 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 n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-14
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)

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-03-10
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 — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (NJ)

Westlake financial is not reporting to my credit report for Month XX/XX/XXXX and also Month XX/XX/XXXX. i have all the proof that the payment was made on time. i called multiple times to have my payment history updated and they " Westlake Financial " Failed to updated and as per the fair credit reporting act all reporting account needs to be 100 % accurate.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (PA)

I downloaded the App Self with the intent of having them help me raise my credit score. I did everything they asked of me and paid the XXXX fee to make the transaction happen. After they took my money, a week later theyre saying they cant verify who I am. 

Now if you cant verify who I am then thats fine but they didnt return the XXXX dollars they took from me. Does this make any sense?? You cant verify who I am but you can take my money??? 

I asked them to refund the the money asap but they continue to say its non refundable which makes no sense as they didnt do what I paid for them to do. 

I either want them to honor our agreement or refund my money. Anything other than that is fraud. 

Thank you for your help with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (TX)

AMEGFY BANK -350 CHRARGED ME UNLAWFULL FEES THAT Following an XX/XX/XXXX lawsuit, four banks - Zions Bank, Amegy Bank NA, National Bank of Arizona and Vectra Bank Colorado NA have now agreed to contribute to a {$10.00} XXXX settlement to compensate consumers who lost out to the 'high-to-low ' re-ordering schemes.XXXX XXXX, XXXX