davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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. (FL)

I do not recognize the following inquiries Inquires on my equifax report XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-10
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. (CA)

I am filing this Complaint because I sent the following letter to ALL Credit Reporting Agencies... On XX/XX/XXXX " As a Federally protected Consumer I am now exercising my right to opt out of all authorization, I, the Consumer, may have given you ; written, unwritten, verbal, and non-verbal. 
You are in violation of my Privacy Rights for sharing my personal information i.e. credit reporting with non-affiliates per 15 USC 6508 i.e. obligations in respect to the disclosure of personal information and 16 CFR 313 Privacy of financial consumer information.

You are in violation of my Rights pursuant to 15 USC 1681 ( b ) needs written permission from consumer to disclose personal information i.e. credit reporting.15 USC 6802 ( b ) Non affiliate third party cant disclose information to.

Per the Privacy Act of 1974 and 15 USC 6802 I request that ALL Charge-offs be removed now because they are certificates of indebtedness, which means it is considered income and must be removed. 

Regarding these violations, I am requesting that you update ALL accounts to Paid as agreed in accordance with the Fair Credit Reporting Act & 15 USC 1681 all reporting across credit bureaus have to match I may be entitled to under 15 USC 6508, 15 USC 1681 ( b ), 16 CFR 313.7 ( f ) Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 

I request that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at XXXX who verified the dispute with the original creditor. 
Remove any Student Loans reporting in violation of Family Educational and Privacy Act of XXXX '' I would like to note for the Record that on XX/XX/XXXX I discovered that my identity had been stolen by receiving a XXXX report that had my social security number but the wrong drivers license for an inquiry dated XXXX XXXX : XXXX XXXX behalf of XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Letter of Complaint : Refuse to Validate Debt Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX  XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or TransUnion, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and TransUnion claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Consumer complaint received 2016-07-05
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Road Runner Collection Services, Inc. (CA)

XXXX XXXX from Road Runner Collection Agency in XXXX called Saturday, yelling and ranting about what I better do to pay a late payment to XXXX XXXX XXXX XXXX she was rude unprofessional and trying to threaten me regarding the payment and after her yelling and acting like a XXXX Year old throwing a tantrum she hangs up in my face regardless of my being late on the payment is will not be talk to in a disrespectful manner!!
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my ability to obtain credit. They are being reported by a 3rd party that never got my authorization.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (AZ)

I got a lease in XXXX of 2015 with American Honda finance. I made a payment early XXXX. XXXX my payment due at the end of XXXX. My vehicle was traded out later in XXXX and paid in full by XX/XX/XXXX. But on all 3 credit bureaus it shows date of first delinquency for XX/XX/XXXX! Even if I never made a payment there wouldn't haven't been 30 days between my first payment and XX/XX/XXXX anyways for that to be my date of delinquency. I also filed bk A YEAR LATER. So now it shows included in bk, with the date of first delinquency. But since it was PAID IN FULL a year before I even filed, it should just be paid never late not included in bk.I have disputed multiple times with all 3 bureaus and they don't fix it! Finally I got fed up and called XXXX and they said they thought they fixed it already. They said they got my disputes and thought it was fixed. I asked them to send me a ledger so I can redispute with proof and they said they couldn't! They said for me to dispute again and they will fix it. But I've already done it 5 times. Please help me.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Hi, I have submitted a complaint previously regarding my issues with Toyota Financial. I was paying a XXXX car payment on a XXXX. I was told I could refinance in few months. Well I did try 6months or so into the loan and lenders told me that 's insane, I had said this in my previous complaints with. Along with they said I can defer a payment, said they did it and I said it does n't show up, and I also explained the women had told my I needed to sign a secure message through her email, well after a few phone calls,, few weeks, months later no deferral, and I 'm argue other issues, double dipping payments on my account. On my daughters birthday, that wasted our time to sign, investigate, and reverse my money. It 's a constant run around Just nasty collection calls, and called me the day a XXXX payment came out and the women called me lier in many words just in my detail with questions, telling me does n't show, and said that 's not possible as I 'm not set up for auto pay. I said XXXX, no reason to lie, I can not talk, I 'm a XXXX and the safety of these kids is priority, she continued to keep asking for a payment, I h a d to han up on her. The latest, I received a bill through mail, that my car payments due XXXX no mention of a repo. From the looks of it, I would never have thought a repo was going to take place, as I been paying on time XXXX a month. They were also I 'm formed on many occasions I I 'm SSD and my pay is every XXXX of month. I also mentioned This up coming payment was going to come out of my previous checking account which is XXXX as I was back banking with them. Well I 'll attach my statement. Tuesday, my car was pulled from my driveway a repossession. After crying, and all that pain, heartache in any situation when your property Is taken and as the communication is there on my end, on Toyotas end it was just a nasty experience. I Call I explain my daughters coats are in trunk I really need my stuff. I said I have a bill. They said I can not pay that amount to get the car back I must pay the entire XXXX plus the guy told me. I said if I had XXXX grand in my back pocket, I would n't be late be on payments. It was just extremely hurtful, stressful and I 'm very tired of being taking advantage of. The repo guy was the most helpful, very comforting to say the least. He had told me he just got the call the night before to come for my car. It just blows my mind that this companies rob individuals everyday, such as myself to keep their accounts up. Well I had enough of doing without because they plot out who they cheat. No so let 's fix this
Consumer complaint received 2024-02-11
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. (SC)

All hard and soft inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX XX/XX/XXXX XXXX XXXX XXXXHard and soft inquiries Name is incorrect XXXX XXXX XXXX date of Birth is not XXXX the Correct date of birth is XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Late payment reporting A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

According to the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. This is in regards to late payments on my credit.
Consumer complaint received 2016-05-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I have been seeking a loan modification with Ocwen Loan Servicing for months. On XXXX/XXXX/2016 they verbally agreed to a discount payoff agreement. On XXXX/XXXX/2016 they followed up the verbal agreement with a letter stating the terms of the agreement. I called Ocwen back on XX/XX/XXXX@XXXX EST to get clarification on some of the items in the agreement letter only for the Ocwen representative to inform me that we no longer have an agreement. That the loan has been referred to a third party. I was not able to get any information about this third party except a phone number for me to call. 
I will like for Ocwen to honor the agreement we had on XX/XX/XXXX, reinforced by the letter they sent. We have an agreement. This agreement requires me to pay a certain amount and Ocwen will release the deed to the property. The agreement letter also states that 'Ocwen agrees that it shall not transfer any further obligations or rights to pursue further judgeent or deficiencies to a third-party debt collector '. But it seems this is what they have done. 
Please help in persuading Ocwen to abide by the agreement contained in the letter the sent to me on XXXX/XXXX/16
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have wrote XXXX over 20 times that it is displaying wrong name and address Issue # 1 [ Name ] Wrong : XXXX XXXX - Name ID XXXX Wrong : XXXX XXXX - Name ID XXXX " Correct - XXXX XXXX XXXX - Name ID XXXX '' Issue # 2 [ Address ] Wrong : XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX - Address XXXX Multifamily. 

Issue # 3. 
A XXXX company named " Select Portfolio Servicing '' accessed my credit report WITHOUT my permission on XX/XX/2020.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (OH)

A year ago I dismissed a bankruptcy. I have a vehicle loan with Ally Financial. I caught up all {$10000.00} worth of payments and have been caught up on payments since XXXX. My credit report still shows behind 60-90 days. I feel that this needs to be corrected as it is unfair to only report the negative and then nothing when paying as agreed. I have filed a dispute with XXXX  but not XXXX  or XXXX  yet since couldnt do it online. I did send an email to Ally through my account on XX/XX/2020 that they have not responded ded to as of today. All I am asking is that they report things fairly and accurately.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (AZ)

i received a SETTLEMENT OFFER FROM CONVERGENT OUTSCOUCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX CONVERGENT ACCOUNT XXXX AMOUNT XXXX OFFERING SETTLEMENT XXXX SPOKE WITH REP WHEN I ASKED FOR WHAT ADDRESS THEY ARE SHOWING SHE STATED ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I EXPLAINED TO REP I FILED AN IDENTITY THEFT AFFIDAVIT AND A POLICE REPORT WIHT XXXX POLICE XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ON XXXX THE REP AT COLLECTION AGENCY SAID SHE WAS SENDING ME A FRAUD ALERT PACKET I ALSO CONTACT XXXX ANS XXXX THEY DONT SEE THIS ANYWHERE ON MY CREDIT REPORT
Consumer complaint received 2024-02-10
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. (NY)

In accordance with the Fair 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
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

EQUIFAX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the fair credit reporting act, the list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states.

a consumer reporting agency can not frumpish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report.

containing any of the following tems of information any other adverse Tem of information, other tan records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( a ) 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 delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (AL)

cfpd case # XXXX XXXX  XXXX case # XXXX date recieved XXXX XXXX i have tried to apply for a credit card that i was declined a credit card to re-build my credit and good faith has tried to do the right thing and was denied a credit and was discriminated against because not only because of the colr of my skin but it says in notice states that : the federal equal credit opportunity act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex marital status, age, ( provided the applicant has the capacity to into a binding contract ) ; because of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the consumer credit protection act. beacause back to the fact at hand i am XXXX and i am on a fixed income because well fargo has caused me to believe that i am being discriminated against against because not only because cause of m y race and income wells fargo has lead me to believe that i have no rights at all because not only because of my XXXX but has caused me to believe to make me feel that i don't deserve to have nice things and i don't have a right to become sucessful just like them. and they speak on the consumers. and they will make sure that every consumer be treated fairly. but in my case i was not treated fairly and wells fargo has caused me and has lead me to believe that i don't matter..
Consumer complaint received 2023-08-21
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with Experian, XXXX XXXX, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian, XXXX  or XXXX, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, Experian and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.