davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

So I mailed a letters on XX/XX/2022. Here is my tracking : XXXX XXXX, Equifax XXXX, XXXX - XXXX, To delete personal information from my credit report that I did not want. My federally protected consumer rights have been obviously violated, according to the Fair Credit Reporting Act sections : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

[ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (CA)

I was contacted by IQ DATA and spoke with XXXX ext. XXXX. At the beginning of the call, XXXX was aggressive when I asked for account details and contact information. Once I expressed my concerns to XXXX, she adjusted her call technique temporarily. She took my financial information for the purpose of a hardship plan. I was placed on hold for an approval and offered me 2 payments for the full balance without anyone knowing this account existed. I questioned how that would be possible with the financial information I just provided to her. She became extremely aggressive and said she has loan companies she can put me in contact with to approve me for a loan to pay off this balance. I expressed to her that that was illegal, she could not offer to place me more into debt. She became extremely aggressive and expressed that she had been a collector for 20 years and other things. I asked for her to transfer me to her manager. She did and I spoke with XXXX ext. XXXX who represented herself as a manager. I ask her if she know what was going on with the account and asked her to move forward. She said I accused her employee of breaking the law and that I needed to tell her how and why because it affects her company and thats why all calls are recorded. I responded yes, but informed her to review the call as it was not my job to handle her compliance I wanted to resolve the debt. She demanded that I explain I continued to refuse. She screamed at me and refused to assist me in resolving the balance.
Consumer complaint received 2022-08-08
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. (VA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account and inaccurate address passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Consumer complaint received 2021-04-30
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. (PA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX I just got off the phone with Equifax. I spoke with May, and she told me that they received my identity theft report. Meanwhile they had removed one inquiry, but the other still remains on my credit report. It is to my knowledge that pursuant to the FCRA 15 USC 1681c-2, the consumer report agencies have 4 business days to block ALL of the fraudulent information that I, the consumer, says is fraudulent. They told me that their company policy is 30 days. Last I checked the consumer reporting agencies MUST abide by FEDERAL law, and their policies must reflect the laws that were set forth to regulate them. I am asking Equifax to remove this fraudulent inquiry below. I am also asking the Consumer Financial Protection Bureau to keep record of this violation, and to also note that Equifax asked me to send them a selfie in order to verify who I am. Their representatives also lie and tell you that their systems are updated when you tell them what they are calling for. How do I know? Because when I called back and asked the next representative if there was a system update throughout the company they told me no, and this happened on more than one occasion. This is unacceptable especially for a company that ASSUMED the role of not only holding my alleged personal information, but also furnishing information on my consumer report that can cause a substantial amount of harm to me as a consumer if reported inaccurately which in this case it is. So I am asking both Equifax and the CFPB to protect my rights as a consumer, under the FCRA. Please see attached the identity theft report along with my license for identification, along with the letter that was originally sent. 

XXXX XXXX Inquiry Date : XXXX XXXX, XXXX
Consumer complaint received 2022-06-25
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX  XXXX and XXXX XXXX bankruptcy 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 an account without my written instructions.
Consumer complaint received 2021-12-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I applied for a loan with them. They approved me for XXXX. On the approval letter they said there is a guarantee XXXX $ if they couldnt close. After 1 week of opening the escrow they denied my loan. Im asking for the XXXX.
Consumer complaint received 2021-04-30
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: CITIBANK, N.A. (CA)

Basically someone stole my identity to get my credit card, The thief called in and cancelled my credit card as lost or stolen and requested a new credit card to another address that I don't even live or have lived. 

Macy 's had called me ( for security reasons ) and told me someone was calling on my behalf I also remember exactly telling them that no one should have called on my behalf and I haven't called them and clearly told them to stop communicating with someone else or from another phone number then they continued working with the thief and he or she got my credit card since he or she cancelled mine and requested another one to another address, Also when I called Macy 's and I wanted to check where they sent the new credit card to they told me that for security reasons they could not tell me that type of information all that I got was that it was to a apartment B address, The thing is that I have never lived on a apartment B address, Also they had a copy of an ID that started with a C but my ID starts with an A. 

I've tried everything to get this taken care of by trying from calls to disputes and complains and they're still supposedly proving this to be mine for some reason and not only does XXXX XXXX XXXX XXXX the collection agency ) want to charge me {$2600.00} Dollars but they are also reflecting on my credit report and its affecting me on my credit report and score. 

If they do not take any further action and fix their mistake I will sue both companies.
Consumer complaint received 2018-10-12
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. (NC)

" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Account is reporting as a charge off.And I would like to have it removed from all three credit bureaus. Its been XXXX  years from the first date of delinquency. Per XXXX XXXX account should been removed off the credit it XX/XX/XXXX. Ive disputed this account through XXXX, Equifax and XXXX however it still remains on my credit report. Ive worked with XXXX XXXX XXXX in XXXX and have been working with XXXX XXXX to have this delinquency removed from my credit report. Escalations letters have been sent to XXXX finance company as well as the XXXX credit bureaus and have not heard anything. Please help me removing this account from my credit report
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Conn's, Inc. (TX)

The collection 's department at Conn 's Corporate office changed my mailing address on my account on XX/XX/21 erroneously and falsely ( I was told by Conn 's customer service that a skip tracing technique was used to find the erroneous and false address ). The erroneous address was reported on my credit report on XX/XX/21. Because of this erroneous and false information reported on my credit report, my application for a loan was held up and maybe even hindered. The representative ID # XXXX in the collection 's department at Conn 's Corporate office eluded to having the authority or rights to change/update my address without verification from me anytime Conn 's wants to change my address.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

This organization garnished my wages. Once I received a notice that my wages were garnished without any prior notice of either the lawsuit or the judgement, I made several good faith attempts to reach out and negotiate and/or resolve the debt and they refused to answer my calls or respond to any of my attempts to negotiate. this was done in bad faith as the collector informed me on the single occasion that I was able to speak with a representative after finding out that my wages were garnished, that since my wages are already garnished they will probably not return my calls to negotiate. They also failed to inform me of the exact amount of my debt and after my employer sufficiently paid the debt by garnishing my wages, they requested further payments of an amount that is unknown to me as they refuse to answer my calls
Consumer complaint received 2023-01-10
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. (FL)

It was deemed by Equifax there was no proof validating ownership with a signed contract owing XXXX XXXX XXXX account # XXXX in regards to this account on my profile. Therefore, it was removed. 

Then 5 days ago on the XX/XX/23 it was added back on to my credit profile. 

However, I WAS NOT notified in writing within 5 business days per FCRA guidelines of the reinsertion of this account.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi closed my charge card on XX/XX/XXXX due to " 2 years of inactivity ''. At the time, I had over XXXX $ in Citi Dollars on the card. ( i.e. Earned cash credit since XXXX. ) I did not receive a phone call, a letter via USPS, or an e-mail, informing me that this was about to occur. 

I spoke to Citi by phone, attempting to resolve the matter, but to no avail. Citi cited that my last account activity was a payment on XX/XX/XXXX. Hence, 2 years had gone by, and that they had every legal right to close my account, due to inactivity. In addition, they also stated that they had every legal right to not send me a check for the XXXX $ in earned cash credit - because the account was now closed. 

Fact : The account was opened in XXXX and had been in active use for XXXX years. 
Fact : Citi send me a new charge card, to replace the expiring card, in XX/XX/XXXX. 
Fact : I activated the new charge card several months later. I had no intention of closing this account. 
Fact : The last activity on the card was the new card activation. 
Fact : The new card had a 4 year use window, and is set to expire in XX/XX/XXXX. 

Timeline : XX/XX/XXXX ( Payment ) Timeline : XXXX XXXX ( New charge card is sent, to replace the expiring card on XX/XX/XXXX ) Timeline : XXXX XXXX ( New charge card is activated by phone. ) Timeline : Citi closes new charge card on XX/XX/XXXX FACT : Citi closed my account after < 6 months of activity, since activating a new charge card clearly documents charge card activity. 

The fact that Citi refused to refund the cash, the fact that Citi cited that there was " no card activity '', the fact that Citi stated that it was their legal right to perform the actions that they did, makes me believe that their actions were pre-meditated, and performed solely for Citi 's personal financial gain. The fact that they made no attempt to contact me before the closure, provides additional evidence of their ill will and ill intent. 

Thank you.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I had a car that was repossessed by the credit union I financed it through, XXXX XXXX XXXX. They sold the car at an auction. They did not notify me of the intent to sell. They then sold my full loan balance without giving my balance credit for the sale to a collection agency, XXXX. 

I have filed multiple disputes with the credit bureaus XXXX and Equifax as well as contacted XXXX for years regarding the account. It is reflecting as charge off with a balance of {$8400.00} and reported every month by XXXX. In addition it is reflecting as a collection account on my credit report for the same balance. 

Finally based on my Equifax credit report the account was reported delinquent XX/XX/XXXX and never was reflected as current after that. They told me the first date of delinquency was in XX/XX/XXXX.
Consumer complaint received 2022-06-25
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. (MO)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2018-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACS Education Services (HI)

In XX/XX/XXXX, I initiated a transfer of my ACS college loans to XXXX XXXX under the Public Service Loan Forgiveness program. During that period of time, I initiated forbearence proceedings either ACS to ensure my loan stayed in good status until the transfer. In the period between XX/XX/XXXX and the time that the loan was transferred to XXXX XXXX in XX/XX/XXXX, ACS said my loan was 60 days late. I called them when I found out to get them to remove the ding from my credit, but they refused, stating I was late paying the loan.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. Its been over XXXXdays so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (IL)

**************LOAN VALUE REQUEST FOR THE XXXX XXXX XXXX **************** On XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX IL . Financed by Santander USA. I am a victim of PREDATORY LENDING! 
I am requesting the LOAN VALUE on this XXXX XXXX  XXXX. I have attempted several times to reach your underwriting Dept. I have been hung up on twice by your office. 
Your office states you Santander USA does not have an Underwriting Dept or a Compliance Dept. Santander per your response back to CFPB You do have an underwriting Dept but NOT available for customers by phone. Please have your UNDERWRITING DEPT contact me by Email, written correspondence, Phone with a LOAN VALUE ASAP! 
THIS REQUEST IS FOR THE LOAN VALUE OF THE XXXX XXXX XXXX  THAT I HAVE BEEN CHARGED {$26000.00}. Who approved this loan? Who is managing the underwriting dept? 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I opened a XXXX XXXX credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX XXXX unknowingly to me at the time ) took it upon themselves to automatically update the new XXXX XXXX card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the XXXX account after the balance had been paid. In my mind, the XXXX card was zero balance and not currently being used by me. What is even more unfortunate is that XXXX never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called XXXX a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.
Consumer complaint received 2022-06-25
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. (CA)

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


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

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