davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ADR ARBITRATION SERVICES (Closed) (TN)

My Chapter XXXX Bankruptcy was discharged in XX/XX/XXXX and most all debts have been removed from my credit reports, e.g., XXXX and XXXX. Revenue Recovery Services is still showing negative remarks regarding this debt from XXXX XXXX XXXX in XXXX XXXX, TN XXXX occurring XX/XX/XXXX. This negative remark has lowered my credit rating considerably and has resulted in me being denied certain credit.
Consumer complaint received 2017-04-25
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: EQUIFAX, INC. (CA)

I have debts on my credit report from chase,   XXXX   XXXX  , home furnishings,  XXXX  and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and assurances from your company, these fraudulent charges persist, causing significant stress and financial concern. 

I have made multiple attempts to report and rectify these fraudulent charges, but each time, the resolution has been temporary or insufficient. It is disheartening to see that despite my diligence and your assurances, the fraudulent items remain on my account. 

The presence of these fraudulent charges not only damages my financial reputation but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is imperative that these charges are promptly removed to prevent any further damage to my financial standing. 

I demand immediate and effective action to permanently remove these fraudulent items from my account. Additionally, I request a thorough investigation into why previous attempts to rectify this issue have failed repeatedly. 

Furthermore, I expect to be compensated for any financial losses or damages incurred as a result of these fraudulent charges, as well as for the inconvenience and stress caused by having to deal with this situation repeatedly. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected:XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (PA)

My mortgage is two months behind so to avoid going into foreclosure I sent out a XXXX dollar payment on XX/XX/XXXX to try to catch up. The mortgage payment was sent back to me on XX/XX/XXXX with an attached letter stating that my loan has been accelerated. I spoke with a Loss Mitigation representative on XX/XX/XXXX to discuss further options. While on the phone with the representative, I was informed of having to make two payments to prevent foreclosure. I informed the rep. that the XXXX was sent back and making two payments at this time would be difficult. Wanting to prevent foreclosure I asked the representative to note my account that I will call in to make two payments on XX/XX/XXXX. The rep states that I would need three payments if it went pass XXXX. I called in on XX/XX/XXXX at XXXX XXXX and waited on hold until XXXX XXXX  only to be told that the system is down and my payment can not be processed. At this point, I am unsure as to what to do. The rep told me to do a XXXX XXXX  but the system she transferred me to kept saying my account number does not exist. I am being forced into foreclosure at this point. I call again to see if the system is working and have been on hold for another hour. My loan is serviced through a subsidiary servicing company through XXXX XXXX. some of their tactics are unfair and forceful to get people to pay two payments. Although I am having a hardship it is unfair for this servicing company to force me into foreclosure. I truly believe that this company is purposefully not accepting payments to foreclose on the consumers.
Consumer complaint received 2015-07-27
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC (PA)

The short and sweet is this. 
I went to XXXX XXXX for a car. 
They told me that because i had no credit, that they werey only option. They even required me to have a cosigner. 
I was sold a 2006 ford Taurus with a bluebook value of XXXX for a total of XXXX was not fully informed of all of the details of the loan. I was rushed through the signing of the paperwork. 
I was duped. The car is not worth nearly what they charged for it. 
It is usery clear and simple. They practice preditory lending. Anyone can look at any situation from XXXX and see this. 
They are unprofessional and just bad people.
Consumer complaint received 2022-08-10
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)

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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-09
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd attempt to submit this complaint but then I think my request has been ignored by the bureau. I am certain that this account below is reporting erroneously in Equifax. I do not remember having this account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete this straightaway. 


XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

in   XXXX   XXXX   i sent   XXXX   XXXX    XXXX  checks totaling {$19000.00} to pay off my high interest private loans. the account numbers for these loans was indicated on the checks.   XXXX   XXXX   applied these funds across all of my loans, including the low interest loans. As a result, i am still paying on the high interest loans at the present time,  XXXX  years later. This has cost me alot of money. When navient took over sallie mae, everything was restructured and account numbers were changed, making it difficult for me to understand what is going on.
Consumer complaint received 2022-08-10
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. (TX)

Hi I am submitting this 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 n 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 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 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 n 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Hello, thank you for any help that yo u may be  able to provide. I have called in to  XXXX  and have asked that info be updated properly. I even spoke to a yound lady that sent me a letter stating that an account was indeed paid in full and I sent to  XXXX ,   XXXX   and Equifax and my reports have not been updated.   I called into   XXXX   and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, I sent in proof and customer service would not help and take care of the negative inquiries reporting to my credit report.       Please help, I am not getting anywhere.     The inquiries are listed as :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-03-30
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: SANTANDER HOLDINGS USA, INC. (NY)

I sent an Federal Trade Commission identity theft affidavit to Santander Consumer USA in regards to a fraudulent account. The promissory note held by Santander was not signed by me and was not proven to be signed by me. Reporting accounts after receiving proof the account is fraudulent is a violation of 15 USC 1681-c2 ( a ). Santander Consumer USA is also in violation of of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of anycommunicationeffected by the mails or telegram that indicates that thedebtcollector is in thedebtcollection business or that thecommunicationrelates to the collection of adebt ; by the letter that was sent to me account number XXXX
Consumer complaint received 2021-05-21
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: Experian Information Solutions Inc. (WI)

Showing old accounts over 7-10 yrs closed and XXXXredit score dropped 100 points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by two months or more and on time 100 %. 

In fact, it should be well over 800 points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non XXXX XXXX.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

on XX/XX/2024 I submitted a report about me informing capital one, XXXX, and XXXX XXXX of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented. These companies are still reporting charge-offs on my report even though I am using the law and exercising my rights
Consumer complaint received 2023-01-27
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: Self Financial Inc. (TN)

This company has continually failed to comply, intentionally, and has additionally violated my federally protected consumer rights to privacy and confidentiality. Self/Inc Lead Account ( XXXX ) also reporting not 100 % accurate across bureaus. Under 15 USC 1681 ( a ) ( 4 ) -I have the right to privacy.

15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 

This account reporting is clearly adverse information. In addition to this, I was not CLEARLY AND CONSPICUOUSLY provided with outlines of my consumer rights to opt out from credit reporting PRIOR to this account hitting my credit report.

15 U.S. Code 6801 each financial institution has an obligation to respect the privacy of its customers and to protect the security/confidentiality of their nonpublic personal info. 15 U.S. Code 6802 ( a ) business may not disclose to a nonaffiliated third party any non-public personal information ( b ) Opt out ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given opportunity to direct that info not be disclosed to such third party ; AND ( C ) the consumer is given an explanation of how they can exercise that option.

15 USC 6809 ( 5 ) " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution. 

Nonaffiliated XXXX party = CREDIT BUREAUS ( XXXX, etc ) 15 USC 6809 ( 5 ) Affiliate means any company that controls, is controlled by, or is under common control-your company and bureaus are not.

15 U.S. Code 6809 ( A ) " nonpublic personal information '' means PERSONALLY IDENTIFIABLE FINANCIAL INFORMATION ( ii ) resulting from ANY transaction with the consumer or any service performed for the consumer ; ( B ) Such term does not include publicly available information.

Resulting from ANY transaction= ALL. This was ONLY made available by you reporting this. I did not give this consent and you continue to report this with all disregard to law.

After research and recent consultations, I will have to proceed with legal action for the violations that this company has ALREADY committed if this account is not removed from my credit report. This company is liable for damaging my reputation and for no respect to federally protected consumer rights to privacy and confidentiality. 

In addition ( just for records sake ) I will use all certified mail receipts, exhibits, phone records and recording for legal purposes going forward, if needed.