davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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. (TX)

I reached out to the Credit Agencies on XX/XX/2021, and requested that they remove the account on my credit report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the debt. I informed the last representative that their company was in violation of a United States Code and was told that I needed to contact the individual companies to request removal. 

The company is a violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports
Consumer complaint received 2018-04-03
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: Convergent Resources, Inc. (GA)

Submitted a dispute to three credit reporting bureaus and company claimed the information has been verified. I have never had or opened an account with this creditor nor have I had an account with XXXX that was opened in XX/XX/2016 ( information which they falsely supplied to the credit bureaus.
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Alorica Inc. (TX)

My vehicle loan was being serviced by Systems and Services and Technology 's ( SST ). I received statements from my company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called SST and they advised me that they no longer serviced my account and it was sent over to another company by the name of White Coast. I was given a phone number to White Coast. I  called White Coast and they told me that my account was being serviced by SST. For the week and a half I've been in contact with both company 's, SST and White Coast, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to SST and the only response that i get is to call White Coast. I then spoke with a Supervisor by the name of XXXX XXXX on XX/XX/2020 she stated that she would look into the matter and call me back and she never did. I've tried to call several times either asking for her or another supervisor and all i get is that they will call you back in 24-48 business hours or they are busy with another client. I never receive a call back. The only update that i have received is that my money i sent on XX/XX/XXXX was sent over to White Coast on XX/XX/2020. SST has failed to provide any type of communication in writing about status of my account and no one ever returns my calls. The phone # XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX
Consumer complaint received 2017-12-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (TN)

According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount is for {$840.00}.
Consumer complaint received 2017-08-04
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: EQUIFAX, INC. (NC)

I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.
Consumer complaint received 2023-01-28
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. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTSARE NOT MINE. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THE FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. MY LEGAL NAME IS- XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX. PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESS YOU HAVE ON FILE FOR ME.- XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX. MY PHONE NUMBER- ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHERS PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT.- ( XXXX ) XXXX, ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING EMPLOYERS AND ANY OTHER EMPLOYERS THAT ARE NOT LISTED.XXXX XXXX LEARNIN. MY SOCIAL SECURITY NUMBER IS- XXXX. PLEASE REMOVE ALL OTHER XXXX.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IL)

To limit the sharing of my information, Equifax suggests there is a way to do it online, but, if there is, it is not accessible via the directions provided in the privacy notice. 

Upon signing up for a free account, I wanted to limit the sharing of my personal information as much as possible. They provide a pdf called " Consumer Privacy Notice '' that provides two options to limit sharing, an online portal or a phone number. The link offered in the consumer privacy notice does not exist, and so I can not use that path to limit the sharing of my information. The relevant text from the pdf is below : Visit us online : https : //help.equifax.com/s/contactsupport and select Customer Service
Consumer complaint received 2017-09-03
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: Experian Information Solutions Inc. (NY)

I Contact ( Experian Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ EXPERIAN ] and I noticed Multiple unauthorized inquiry had been made. 

I contacted [ EXPERIAN AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ EXPERIAN AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter. 
Here 's The Following Inquiries .... 

1-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

2-XXXX XXXX XXXX XXXX, XXXX 3-XXXX XXXX ( Its Duplicated IT ONLY SHOULD BE 1 NOT 2 OF THE SAME INQURY FROM XXXX ) XXXX XXXX, XXXX 4-XXXX XXXX  XXXX XXXX, XXXX 5-XXXX XXXX XXXX XXXX XXXX, XXXX 6-XXXX XXXX XXXX XXXX, XXXX 7-XXXX XXXX XXXX XXXX, XXXX 8-XXXX XXXX XXXX, XXXX 9-XXXX XXXX XXXX XXXX XXXX, XXXX 10-XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-01-28
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)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all XXXX of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 


I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being XXXX percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTSARE NOT MINE. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THE FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. MY LEGAL NAME IS- XXXX XXXX XXXX . PLEASE REMOVE THE FOLLOWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.- XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX . MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX , MI XXXX. PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESS YOU HAVE ON FILE FOR ME.- XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX. MY PHONE NUMBER- ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHERS PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT.- ( XXXX ) XXXX, ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING EMPLOYERS AND ANY OTHER EMPLOYERS THAT ARE NOT LISTED.-XXXX XXXX XXXX. MY SOCIAL SECURITY NUMBER IS- XXXX. PLEASE REMOVE ALL OTHER SSN.
Consumer complaint received 2021-08-09
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. (MD)

In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX XXXX  XXXX  Equifax Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF THE WEST (CA)

Hello, My husband had been seriously ill and in XXXX for nearly a month and sadly XXXX XXXX. At my husband 's XXXX XXXX, while our family is mourning our XXXX XXXX of our Husband, Father, Brother, Friend, the Bank of the West Branch Manager, XXXX XXXX, approached me, not to give his condolences but to " demand that I make the payments current and the loan was past due ''. He continued on the say that it was my responsiblity to keep the loan payments current. Of course, I was in a state of shock that Bank of the West felt compelled to attend my husband 's XXXX XXXX to " demand payment '', XXXX XXXX, continued on with his comments for a few moments and left. 
XXXX XXXX, Branch Manager and Bank of the West should be fined and XXXX XXXX should lose his position at Bank of the West for unfair harassment in attempts to collect a debt, unlawful conduct, trying to intimidate me on the day of my husband 's XXXX XXXX and protect my privacy as well as my families privacy at a time of our mourning. 
Bank of the West should be ashamed of this type of behavior and harassment of a widow and her family during our time of mourning.
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management (CA)

This company is harassing family right after having verified my location, making threats and leaving personal data plainly for others to hear. 

XXXX XXXX of XXXX XXXX XXXX but then XXXX at XXXX its very unclear. 

XXXX Ext XXXX Information : On XX/XX/2020 I received a missed call on my cell phone from this company with a number of On XX/XX/2020 I received a missed call on my cell phone from this company ( at phone number XXXX ), followed by a forwarded voicemail from my mother as they called her right after. Someone named XXXX XXXX called from XXXX and very quickly with no discretion he said my full name on the voicemail and that he was calling about a debt I owe, said where I worked, and that his company was going to garnish wages from me. This is what he said upon the very first time this company ever contacted me, and in voice messages to my family upon first contact. 

I then called him back on my cell phone and spoke to him, verified my location and phone number and that he successfully contacted me. I was very friendly and told him I needed to verify the matter and would get back to him. He was extremely rude and laughed at me. 

He left a message the following day threatening legal action at XXXX. 

36 hours later on XX/XX/XXXX, he called my mothers phone again at XXXX and left a voicemail which said my name and that I owed a debt and that his company was threatening legal action. She played me this message. 

I contacted him to let him know please give me a few days to look into this matter and that he only needs to contact me through my phone number and address, no one else as he already verified my location. Its my understanding that they can not continue to harass my family especially when they know how to reach me and Im in contact with them, especially leaving private information on messages. This seems like just bullying on his part. 

Thank you, XXXX XXXX
Consumer complaint received 2020-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NC)

Ive been with Santander for about 4 years and 1 month. They recently came and got my car this week. I have missed payments but I was still trying to communicate with them and tell them why I was missing payments. Which was because of being on leave from work with no pay. And I recently just got put on leave again with no pay at all. So I wasnt able to make as much payments. When I did make payments I couldnt see my past due balance on my account because Santander had it to where I couldnt see the past due amount. I put money on on my account and didnt know where the money was going. They charged my account off In XXXX and didnt come get the car until XXXX. They also have so many delinquent accounts on my credit but never decide to repo the car until this week. I also notice that its lawsuit out and Im dealing with the same situation as it says in the lawsuit. I talk to one person they say well I can try to do a certain thing to fix the situation and another person says something different! Im just trying to figure out the best way out of this situation. I feel as though I wasnt done wrong by this Santander company as well. I have had the car 4 years and 1 month and They decide to come get it after 4 Years of having the car. That shouldve been half way paid off by now but I didnt see a difference when I was putting money on it. Also, the woman I spoke with early this week said I made a payment in may but didnt say anything about the payment I made on XX/XX/XXXX as well. I cant say the recent payment on my account either.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX and XXXX XXXX has Violated my rights. 

15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. 

Both XXXX XXXX XXXX and XXXX are Violating my rights.
Consumer complaint received 2021-08-09
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. (SC)

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I have told Transunion that I have been a victim of identity theft but the inquiries have not been removed.
Consumer complaint received 2020-12-05
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)

I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SYNCHRONY FINANCIAL (TN)

Paid off the mortgage with a bank certified ck. in the amount of XXXX onXX/XX/2018. Ck # XXXX from Bank of XXXX County, Tn for Acct. # XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, Ca XXXX. Have made ( 4 ) calls attempting to get my Registration for the Vehicle. I think they should have been able in 2 months to get a simple job done. 
I appreciate your time. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tn XXXX Phone ( XXXX ) XXXX EMail XXXX XXXX
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.