davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I would like to state that Equifax is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, a federally protected consumer, never gave Equifax any written consent to report anything on my credit report. No consent was given and this is identity theft. I demand that you remove these inaccuracies off of my credit file within the next 10 days. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. 

I have listed the following accounts that you incorrectly reported and should be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me a great deal of injury. By allowing these inaccuracies to be illegally furnished on my consumer report, it has caused financial damages to me, including jeopardizing my living situation, as well as caused me to completely lose confidence within the banking system. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 


Regards, XXXX : XXXX
Consumer complaint received 2022-07-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

As submitted on XX/XX/2022 Consumer Reporting Agencies investigation did not address my complaint at all and in fact was not a thorough investigation at all. besides not addressing my original complaint of them violating*15 U.S.C. 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. not one person of interest or knowledge was interviewed or contacted including myself. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. in addition to the failure to a reasonable investigation they should be held to the subject of penalty which includes " Not complying with the FCRA can subject your company to statutory damages of $ 100- {$1000.00} per violation. '' as per defined by the Fair Credit Reporting act. my original complaint is listed below with case numbers first. ***complaint numbers : 1 ) XXXX XXXX ) XXXX XXXX ) XXXX Original Complaint : In accordance with the fair credit reporting act the following account have violated my rights. *15 U.S.C . 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. Accounts : 1 ) Co Division of Child Support Account number XXXX XXXX ) XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Remove this Fraudulent account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed with the attorney generals office. 

1. remove the XXXX XXXX XXXX account as this was previously investigated and removed. If you Equifax determined this account to be fraudulenty added to my report why is it now back on the report. This is a violation and illegal attempt to cause harm. I demand monetary compensation of {$1000.00} for each violation. 

Equifax has neglected to respond within a timely manner to provide verification on this account. Please remove this XXXX XXXX XXXX ( fraud ) account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed.
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I have daughter who is a minor and I am trying to freeze her credit with Equifax. I have mailed in the required paperwork requested by the company on their website in order to freeze the credit of a minor ( Minor Freeze Request Form, minor 's SSN, minor 's birth certificate, my government-issued driver 's license, and a utility bill showing my current address which was different than on my ID ). I have called Equifax over 5 times, speaking to more than 5 different individuals, and getting multiple stories and letters as to why they are unable to place a freeze on my daughter 's credit. The most consistent story is that since my daughter has no credit history, there is no credit report to freeze, and there is nothing they can do. However, even the Equifax website states " Should you request a security freeze be placed on your minor dependents credit report, a credit report is created for the minor and then frozen. '' I spoke to one Equifax individual on XX/XX/22, who stated that a temporary credit report needed to be made for my daughter, then a freeze could be placed on the account. He said that we was able to do this, and I even have a confirmation number for this freeze. However, the next day another letter was issued to me that a freeze could not be processed. The other two credit agencies ( XXXX and XXXX ) were able to easily freeze my daughter 's credit with no issue. 

I have all but given up that Equifax can not, or will not, do anything to help proactively protect the credit of minors. Instead, I was told once my daughter has a credit report ( as in, someone abuses her credit, opens accounts in her name, and fraudulent activity has already occurred ), THEN I can freeze her credit. This is very disappointing and unacceptable for a company that explicitly on their website states " Consumers under the age of XXXX typically do not have credit reports. Unfortunately, that means they present a blank slate for fraudsters who can apply for credit and take out loans in their name. The identity theft may not be discovered for years, until the child is a young adult. '' Equifax is only wanting to take action after the fact, when the damage has already been done.
Consumer complaint received 2022-11-28
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: Conn's, Inc. (NC)

In accordance with the fair credit reporting act XXXX Account 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (NV)

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account number:XXXX and XXXX XXXX XXXX Account number : XXXX 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 an account without my written instructions.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal authorized a refund that I did not approve. The item I sold was sent to the buyer who refused to sign for the item cause it to come back unclaimed ( return was not authorized nor was it returned properly ). The item never returned to me yet PayPal went in and stole my money. They brush me off and say go to XXXX who provides a number that isnt in service
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

On XX/XX/2018, my wife and I checked our online mortgage account with Mr. Cooper, aka Nationstar Mortgage LLC. We went to our account profile page and were shocked to see that the recipient listed to receive our account information was the attorney for the opposing party in a lawsuit we filed over a construction dispute and lien action ( " Opposing Counsel '' ). The last person in the world who should be receiving our confidential financial information that is a critical aspect of our law suit is Opposing Counsel. This is akin to giving the fox the keys to the Hen House ( ironically, Nationstar had previously locked me out of my own account due to pending legal proceedings ). My wife and I immediately spoke with a Nationstar representative and told her how Nationstar had shared our sensitive information with Opposing Counsel. The representative 's first words were " oh my XXXX. '' That was the appropriate response to Nationstar 's unconscionable breach of our privacy. First thing Monday morning, we contacted our attorney, who informed us Nationstar 's conduct exposed them to potential civil and criminal liability. Our attorney confirmed that Nationstar actually mailed Opposing Counsel our XXXX mortgage statement and he had received it. It gets worse. Nationstar is a named party in a related law suit. They have been working closely with Opposing Counsel against our interests. The fact Nationstar unilaterally changed our recipient information to Opposing Counsel just when critical motions were being heard by the court is no coincidence. Our confidential information was kryptonite to us and the success of our law suit. Nationstar knew this. Their actions are beyond disreputable and merit the most severe civil and criminal sanctions possible. We are tied up with our current law suit and need the CFPB to champion our cause in this matter. To date, Nationstar and their counsel have refused to offer any reasonable explanation for their unconscionable actions.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (CT)

There is an erroneous account showing on my credit report that has not been validated by any of the bureaus. It's a paid collection with XXXX. 
XXXX reports the date last active as XX/XX/XXXX, XXXX reports the date last active as XX/XX/XXXX and Experian reports the Date last active as XX/XX/XXXX AND they report positive payments XX/XX/XXXX after collection activity in the payment history. They refuse to correct this or delete this erroneous information. 

XXXX XXXX should not be on my credit report either. The date last active for XXXX is XX/XX/XXXX. Experian reports the date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports current and positive activity on an account that is closed. I am getting no help with this account. It's updated incorrectly by XXXX and Experian and XXXX refuse to investigate this based off of my understanding of the process of credit. 

There is also a XXXX account that is completely wrong. XXXX reports current and positive payments on a closed account which suggests that it's illegally re-aged. the account is a closed satisfied charge off. XXXX has never investigated this item. XXXX reports the date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX. this makes no sense.the laws state that credit reports must be 100 % accurate.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

I have tried to use the loss mitigation process to do a loan modification. I was {$14000.00} behind in my mortgage and I was only able to come up with {$10000.00} so Faye Servicing would not accept the {$10000.00} and allow me to make arrangements on the remaining {$4000.00}. I feel behind while in Bankruptcy During the process my loan modification paperwork was continually denied due to the need to obtain separate homeowners insurance, although I have forced hazard insurance. 

I was given time to obtain the homeowners insurance and during the alotted time to provide said documentation I received Foreclosure Court Papers. 

I sought an attorney to help me with the process. My attorney has been working thru the process with the Banks Attorney. 

However Faye Servicing has continued to pursue a bank foreclosure. I was told that I am subject to both a Judicial Foreclosure and a Bank Foreclosure. 

So, I have been subject to additional collection actions by Faye Servicing. Faye Servicing has demanded the same paperwork my attorney has submitted. Faye Servicing has continued to tape notices to my door and call me from multiple numbers.

I spoke to the Account Manager at Faye Servicing and I was told that by not participating with the Bank Foreclosure that I will lose my home despite the actions taken by my attorney. My attorney advised me to not talk to Faye Servicing but they continue their collection efforts. 

I am scared to lose my home! I am pursuing another attorney for the additional foreclosure proceedings. So, I will have two attorneys to address both collection actions moving forward. I just need to ensure that I do not lose my home.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NC)

I received a box of documents from a relative and found paperwork of 4 student loans in which I did NOT authorize by my official signature to proceed. They appear to be electronically signed with my name but without my authorization or my personal signature.

The original 4 loan amounts loan dates are as follows : Loan # 1 Sallie Mae XX/XX/XXXX for {$20000.00} Loan # 2 Sallie Mae XX/XX/XXXX for {$14000.00} ( the promissory note for this loan # 2 has my forged signature on the document ) Loan # 3 Sallie Mae XX/XX/XXXX for {$7800.00} Loan # 4 Sallie Mae XX/XX/XXXX for {$2500.00} Per my credit reports, these are now under Navient. Ive tried a few times over the past several years to dispute my claim that I am NOT the co-signer on these 4 loans and I have asked several times for documentation/promissory note copies from the services to provide proof otherwise and they do not seem able to cooperate.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX XXXX ; XXXX account number XXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX XXXX  account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (TX)

First of all, your selection options need to have OTHER, as NONE of your options came anywhere close to my situation. 
In XX/XX/XXXX my husband, my son, and myself went through the XXXX website and chose the XXXX XXXX for five years of mail offers. We printed, signed and sent back the forms per their protocol for processing. Five months later, we are receiving credit and insurance offers again at our new address. I kept sending the offers back and telling them to remove our names from their databases. Most of the time it stopped until XXXX XXXX started harassing us and I filed a complaint against them because they were asking for personal information on my father-in-law, whose name is similar to my son 's. I had to go back into the XXXX website again in XX/XX/XXXX, all three of us filled out the forms for five years of no marketing through the mail and sent the forms in. I've also called the credit reporting agencies each time for all three of us to not be offered anything. 
We closed on a new home in XX/XX/XXXX with a VA Loan. I am the primary on the loan since I have a XXXX XXXX XXXX rating with the VA. Since then, I have received three letters, two psotcards from XXXX   XXXX XXXX, each piece of mail came from a different address, sometimes different state. I have written them back three times telling them to CEASE AND DEISIST contact with us. I received yet another card from them today telling me it was required that I call them on the phone to discuss the issue with my mortgage. They use almost threatening language in these advertisements, and it needs to STOP NOW. Why were they allowed my contact information when I have already sent in forms twice to OPTOUT telling them NO MAIL IN THE NEXT FIVE YEARS? This is harassment. Why are these people allowed to use such language that is deceitful in marketing? They need to be stopped. Who gave or sold them our information? Was it XXXX not doing their job, or was it the credit reporting agencies, or was it my lender? I need to know so I can file complaints against all of them. This needs to stop. NOW.
Consumer complaint received 2021-06-07
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (FL)

I have a credit with XXXX for more that 4 years I never own anything to no body always payed on time But one da desaire to close my account and put me in the bad credit so Im really disappointed question They can make people reputations bad any time they wan to put those people in orden thanks