davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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.
Consumer complaint received 2019-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I am extremely exhausted and frustrated. In XXXX I truly fell on hard times and reached out to Ditech for a loan modification, I was told it couldnt be done because I didnt have enough equity in my home. I called XXXX and was relaying my problem to one of their associate when Ditech Called me back to say theyll do the modification because there was equity in my home.They offered to modify my loan and gave me a trial payment for three ( 3 ) months.In XXXX Ditech sent me the modification papers to be notarized which I did and return to them.Suzette out of Florida was the person communicating with.She informed me that the papers were received and the system was being updated and after such my statements would no longer show the arrears. 
The monthly statement were still showing the arrears and the amounts were different.When I received the tax paper for XXXX it showed that I only pay $ XXXX.as interest for the XXXX. 
In XXXX of XXXX I received a call from XXXX stating that he will be sending me modification papers to be notarized he gave me no explanation, however I had the papers notarized and returned to the address in XXXX called me on a Monday while I was at my doctors office to inform me that the notary didnt write the State on the papers so Ill have to do it again .I did 3 sets of modification papers to be told on XX/XX/XXXX That the dates have passed Ditech will not do the modification because it will increase my payments. 
PLEASE HELP I AM TRULY AFRAID
Consumer complaint received 2019-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019, I paid {$60.00} for 18 holes of golf for three people at the XXXX golf course, via my Bank of America VISA card. I mentioned to the pro shop attendant, XXXX, that the weather looked ominous. She told me not to worry, that if it started to rain I would be issued a rain check. After two holes, it started to pour so we returned to the clubhouse only to be told that we would not be issued a rain check because the pro shop was closed. I called the pro shop the next day and was told that since no one was there to vouch for the weather, they wouldn't issue a rain check. I told them that staff were there, just not in the pro shop. They refused. I disputed this claim with the Bank of America. They denied my claim, saying I did receive part of the service and the remainder was outside the merchant 's control. I called and spoke with someone in their dispute department who said there is " nothing we can do ''. They did not investigate the claim. It is a well-established practice for golf courses to issue rain checks and this situation is unreasonable.
Consumer complaint received 2022-12-15
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. (NY)

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : DEPT OF EDUCATION/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 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.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Southern Auto Finance Co (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jacob Law Group, PLLC (TN)

The debt popped up on my credit report I never open this account I explained this to all three credit bureaus and sent proof of address that I live in a different state and never lived at the addresses they have on file I sent pictures of my identification ss number everything I keep asking this collector to validate the information or send me proof that I opened this account and they havent sent me any documentation so by law I asked them to remove the collection they havent
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I am absolute furious at Chase Bank for their complete lack of effort or responsibility for damaging my credit. I had set up automatic payment with Chase for a number of accounts. Including XXXX XXXX, XXXX XXXX, XXXX. I had scheduled all my payments almost a week in advance of being due and payments were still received 8 or more days late due to their internal system screwing up. They were suppose to claim responsibility for the errors they have made and were to also cover any added fees from the error. They have refused to do so and have turned a blind eye to the issue. They have destroyed my credit and making my life miserable.I am extremely fed up of having to argue them about the issue.
Consumer complaint received 2019-07-25
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. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-25
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)

Transunion is incorrectly reporting a collection with a {$0.00} balance on the XXXX partial account number XXXX. ( Please see page XXXX of the attached credit report. ) Please keep in mind that it is impossible to have a collection on an account with a {$0.00} balance due. I have attached a copy of the letter dated XXXX from XXXX showing that this account has been paid. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have unsuccessful.
Consumer complaint received 2019-07-25
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. (TX)

I never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted Equifax and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2019-07-25
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. (PA)

Due to XXXX security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my XXXX   credit due to XXXX security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX 2018
Consumer complaint received 2019-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

XXXX : wanted to submit for the loan forgiveness, since I met the payment qualification. The company told me I had to do something differently with my loan, then make the qualifying payments in order to qualify. I was told prior that my loans that were qualified for the program, even if I consolidated, which I did. Please help as I have been paying for some time and expected this loan forgiveness since I have been a XXXX   since XXXX.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
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. (PA)

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opendXX/XX/XXXX XXXX
Consumer complaint received 2019-07-25
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. (PA)

Due to XXXX security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my XXXX  credit due to XXXX security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

My credit report has 4 hard inquiries from XXXX/XXXX. I do not recognize them at all. I am not sure why they are there and I would like them removed as it is negatively affecting my credit.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/XXXX I contacted TFS at XXXX. TFS representative informed me that 30d mark for XX/XX/XXXX should have been removed and there is a technical error on TFS side. TFS representative assured me that the 30d mark for XX/XX/XXXX will be removed from my credit report. The 30d mark is not removed. I have a conversation recorded and can provide it by request.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX.
Consumer complaint received 2019-07-25
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. (PA)

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XXXX
Consumer complaint received 2019-07-25
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. (PA)

Due to XXXX security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my XXXX credit due to XXXX  security breach that took place on XX/XX/XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX.
Consumer complaint received 2019-07-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AA Recovery Solutions, Inc. (TX)

On XX/XX/2019, my son, sister, brother-in-law, ex-husband and myself were all contacted by XXXX XXXX from AARS. Messages were left for all of us that he was contacting us regarding paperwork that had come across his desk and a lean was going to be put on property my sister owns. He gave the address and said to return his call to try to prevent this from happening. My sister has another message she kept, left by XXXX XXXX from the same company on XX/XX/XXXX, telling her he had my address and was coming to my home that day to deliver papers. If I wanted to keep him from doing that, I needed to call him back. 
I called back today and spoke with XXXX to clarify the issue, and he is trying to collect for a pay day loan, but insisted his company is a liaison between the attorney and he original debtor. He confirmed there has been no lawsuit filed, so I explained to him that he shouldn't be telling lies. He of course insisted it wasn't a lie. There have been other calls to my family, but we normally just ignore them.
Consumer complaint received 2019-07-25
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. (TX)

I never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted Equifax and XXXX and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ,
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Local Management, LLC (SC)

On XX/XX/2020 " XXXX '' from Local Finance called my employer and told her to make sure to tell me that " because I was avoiding her ( XXXX ) phone calls she would make a point to be at my house tonight. " This was threatening and humiliating. 
I have called this company and i have gone to this company to make some kind of arrangement with them on paying my debt but they will not accept any smaller payments. They want a huge sum to even get me to move forward in the payment. I was going to bring them money on a set up time but they had called my place of employment and my cell phone 3 times before i could even get there. 
They call and leave messages at work saying where they are from and who they are and it is very embarrassing. I am doing the best that i can but at this point i can not make the huge payments they want me to make. I have been harassed and threatened and professionally humiliated. I would file a lawsuit for all of this but i do not even know where to start. Please help me. XXXX