davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

On XXXX/XXXX/2016 I made an online transfer via my Bank of America online account to my landlord who uses XXXX XXXX Bank. Bank of American withdrew the {$2000.00} of funds from my account on XXXX/XXXX/2016 but never delivered it to the recipient. I have discussed this with both the recipient and XXXX XXXX Bank and they confirm as of XXXX/XXXX/2016 they have not received the funds. I have asked Bank of America to put the funds back in my account as they failed in their delivery of the funds. To date they have refused to put my funds back into my account.
Consumer complaint received 2015-12-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

I am utterly discussed on how my account is being handled - we have an auto loan and recently had a collision. My insurance who I pay issued the repair check in the name of my husband and Santander. I called and spoke with XXXX who told me where to mail the check and to include either the estimate or the letter from the insurance company that the check was issued based off an estimate and they would endorse the check and mail it back to us. I called to check on the status of the check and was told they did not receive it yet but they would not be returning the check either. I was told that is not their policy. I was told they will hold the insurance check until damages are repaired and then they will release the check to the Body shop and we will have to go there to sign it. Upset with this the next day we called our insurance company to find out that the insurance check was cashed! It was a double endorsement check and it was NOT signed by my husband. The monies were applied to the principal balance on the loan!!! When I called and spoke with XXXX she then states that is their policy and they will pay the body shop when damages are repaired and it will not be the same check from the insurance company. Any overages I was told I would have to pay and if the charges were less they keep the money on our balance ... .. I was told several times that Santander owns the vehicle and that 's their policy. Well Santander you do n't pay my car payment every month nor do u pay my car insurance. This is fraudulent in cashing a check that was not endorsed properly. I have contacted several body shops and they will not repair my vehicle in the situation. I am stuck with a damages car.
Consumer complaint received 2024-02-12
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

Under section 3513 ( d ) of the CARES Act, all student loan payments should not show up as deferred, but rather should be shown as if regularly scheduled payments are being made. XXXX  is reporting deferred payments and is negatively impacting credit reports/scores, which goes directly against the CARES Act.
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Late fee — 
Company: Synovus Bank (CA)

i ordered a secured credit card from first progress ( XXXX ) by depositing $ XXXX/-The card was issued but no bills were sent for the fees. I came to know of the fees only from my credit report as the credit card company reported for late payment. i sent a check to them as their website do not work most of the time. i was paying under protest but they never encashed the check. 
so that i can call them and they can charge extra. in the end i ended up paying for fees/late charges and XXXX negative on my credit reports without ever having used the card. 
till date have paid more than {$100.00} in fees. the purpose to build the credit failed as they are totally un cooperative. 
i recently learnt it is illegal to charge late fees and report me to credit reporting agency as per fcra rules for fees. 
there is something wrong in not using a credit card and have to suffer late fees and have my credit ruined at the same time.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I bought a XXXX on XX/XX/XXXX. I did a trade-in on my previous car ( XXXX ) I owed {$10000.00} on that loan The dealership offered to pay {$7000.00} and the remainder {$3000.00} would be added to the new loan. To my understanding the XXXX was XXXX plus the {$3000.00} would equal to {$21000.00}. The only thing that the dealer stated was that my monthly payments would be {$630.00}. They never explained to me how interest worked or what my total would be for the XXXX. When it was time to sign the paperwork. the gentleman who handles that part of the process was very rushed and did not explain any of the papers. He just told me to sign everywhere that needed a signature. It was n't until he put everything in the envelope and i was waiting outside that i got a chance to read the paperwork. That 's when I saw my total was about {$49000.00}. I am in every way a honest person but I feel I got cheated ( in lack of a better word ).
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing in reference to my XXXX XXXX Account, I was a wireless customer for 9 years with your company until it became extremely expensive to maintain so I switch services to a competitor for far less money and more savings. I ported my phone to my new provider in which I paid the amount leftover and I had no idea that I would still have a balance due. I have explained to the collections team my account was sold to that I was not able to due financial difficulties, in XXXX of XXXX XXXX 's XXXX XXXX XXXX XXXX reported my account to the credit bureaus before I had a chance to pay and I sent a stipulation with the agreed amount of {$94.00} to be paid in full along with being removed off my credit report due to the collections being accurately reported and I understand that but I have been homeless along with unemployed for almost two years. I was denied unemployment along with no financial assistance from my family as they cut ties with me for being XXXX and my so called friends wanted me as a wallet only. I have been evicted from my home, lost my car, sleeping on street corners, shelters, motels with vouchers and vacant places so I can shower daily. I have a vast understanding of how the credit system works but I have no assistance, I have not had steady income or employment since XXXX of XXXX, I have worked since I was XXXX XXXX XXXX and now I am struggling with my mental health along my finances. I have never asked for anything but I am asking that XXXX IMMEDIATELY removes this ACCOUNT from my credit reports immediately and/OR THOSE XXXXXXXX XXXX XXXX XXXX WILL ALSO PAY ME {$150000.00}! OR THEY WILL XXXX SUED!!!
Consumer complaint received 2024-02-12
Product: Credit reporting 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. (AZ)

I disputed incorrect information on my report, requested a deletion and a full investigation but did not receive any. Although I provided all the necessary information required by law on my part. 
In accordance with the Fair Credit Reporting Act These accounts have violated my rights : 1. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ). I submitted the identity theft reports related to these two inquiries on my credit report. I also contacted these creditors to let them know that I did not authorize these inquiries on my credit report.

It is important to note that I received two letters from Equifax stating that the inquiry from XXXX XXXX XXXX was removed before but, it is still showing on my report. This inquiry also has been in dispute for more than seven months.

I'm requesting that these inquiries be removed from my credit report. Please send me proof that I authorized these inquiries in case you refuse to remove them.

615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2022-08-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have previously attempted to have inaccurate information removed from my consumer profile due to the timeframe being more than 7yrs as outlined by 15 usc 1681 ( a ) ( 5 ). I received mail confirmation of actions taken by XXXX but have not seen this reflected on my most recent XXXX merged report ( which I have attached below ). These late payments were supposed to be verified by XXXX by how they could have done this with differing information on my credit profile still. Date opened, credit limits, high credit, last reported, date last active, and date of late payments ( which was the original issue late payments ). These inaccuracies have impacted my life since 2012 and Ive even paid on them to have my life unjustly affected due to negligence. 
These are my pervious complaints : XXXX XXXX XXXX Equifax XXXX XXXX
Consumer complaint received 2024-02-12
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. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact time frame from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts 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
Consumer complaint received 2024-02-12
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the existence of the following fraudulent accounts listed under my name : USDOEXXXX XXXX and XXXX XXXX After a thorough examination of my financial records, I have determined that these accounts do not belong to me, and I strongly believe that they are the result of identity theft or fraudulent activity.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ASTA FUNDING INC. (TX)

palisades collections llc has illegally had a judgment filed against me in the amount of {$1300.00} from XX/XX/2010 which is a violation to Indiana statue of limitations of 6 years to pursue a collection. ive been a victim of identity theft multiple times including this one which is why i asked for the original document showing my signature of any loan agreement with the original creditor which they refused to send me and continued to break the law and pursue this legally. Palisades practices illegal attempts to bully and harass people into debt they do not owe and refuses to show legal proof of the original debt when requested. This company is not even BBB certified and has multiple complaints against them due to their illegal scare tactics to collect debt that is not owed and can not verify. I have the documents they submitted DO NOT BELONG TO ME, they refuse to submit the original contract with my signature showing proof this debt is valid nor have i EVER lived at the address listed below on the document. Furthermore I have never been notified nor served by this company or made a payment on any debt which makes their previous response to this complaint a complete LIE. WHICH I HAVE ALSO PROVEDE BELOW SO THEY CANT TRY TO RESUBMIT THE SAME FAKE DOCUMENTS. SUBMIT THE DOCUMENTS I REQUESTED WHICH IS MY SIGNATURE ON THE ORIGNAL CONTRACT TO THIS DEBT!
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention a discrepancy in the information pertaining to my accounts held with your bank. According to my recent credit report, there seems to be inaccurate information regarding the status of these accounts. 
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 2024-02-12
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. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX  Balance Owed : {$25000.00}
Consumer complaint received 2020-11-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

Im the Fiduciary for my deceased fathers Estate. I attempted to get the payoff for the home. When I called XXXX and requested the payoff amount for the mortgage. They then referred me to the law firm ( XXXX XXXX XXXX XXXX ) handling the foreclosure. I requested from them in writing the payoff amount of the loan along with the amount needed to reinstate the mortgage. The law firm requested fiduciary documents. I provided those documents and they notified me theyd contact XXXX regarding my request. XXXX came back with documentation stating that I must provide some type of contract before they can provide the payoff amount for the mortgage. This is a violation of Reg 1026.36 ( C ) ( 3 ). Their refusal to provide the payoff amount prevents me from fulfilling my court appointed duty as Fiduciary, and from trying to save the home from foreclosure. This should be more transparent. The mortgage company/lender should be able to provide the amount needed to payoff the house mortgaged by them. A contract from some other third party has nothing to do with them being able to provide a payoff.
Consumer complaint received 2020-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I talked to someone on XXXX who was selling explicit photoshoots. They told me to send payment through XXXX, and to make it worse, the account of a friend. I paid the $ and then I never received what I paid for. I was actually blocked. 

I talked to Chase and they said there was nothing they could do.