davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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. (DE)

This is a list of accounts that should be taken off of my credit report they are listed under regular inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This is a very long list and I don't know how they got some of these firms on this list but I know that they are not mine and they should be removed.
Consumer complaint received 2024-02-09
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to submit a complaint the following information XXXX XXXX supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX opened XX/XX/XXXX ). 

During XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a XXXX  XXXX  and a XXXX  of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to your company to request XXXX  payment options, I agreed to do a covid forbearance with your company. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( XXXXU.S.C. XXXX ( a ) ( XXXX ) ( F ). ) This has been an ongoing concern. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately XXXX XXXX history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2022-10-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (IL)

The law offices of Arnold Scott Harris ( XXXX ) continue to robo-call demanding that I call them at XXXX re the debt. I actually called them back after the XXXX robo-call as I was concerned about the call. I unfortunately provided personal information to the office and the person I spoke w/could not find any debt attributed to me and promised that I would be removed from their list. I received another robo-call on XXXX/XXXX/15 and have received several others prior to this date. Please make them stop with the robo-calls!
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

XX/XX/2024 : I signed up for myEquifax to check/manage my Equifax report as well as dispute/correct any incorrect information. I noticed I could only see my credit score but not my credit report. 

XX/XX/2024 : I tried to pull my report from XXXX and was unable to. ( It sent a code to my number but then gave me an error. I knew it was a technical issue because even my creditors couldn't pull my Equifax report whenever I tried to apply for something I would get instantly denied. ( Due to a technical error pulling my Equifax report ). I called Equifax 's XXXX XXXX team and they told me they have escalated my case to the technical department and I should expect a reply between XXXX XXXX. 

XX/XX/2024 : I call again since I haven't received any update. They tell me to wait and they escalated another case. 

( I have done this a few times so I will skip to a XXXX  later ) XX/XX/2024 : A XXXX  later still facing the same problem and found out that the technical department hasn't even looked at my first case, all the cases were still pending with no update. 

This issue has caused me to get denied for multiple applications purely due to a technical issue that I have no control over. There is no excuse for a credit bureau to be this incompetent when dealing with consumer cases, especially when it has major repercussions.
Consumer complaint received 2022-10-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2016-03-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (CA)

XXXX Credit card : received new card, but without receiving statements, nor any other notice of any kind although they had my email address, my phone and other numbers for text messaging purposes, reported myself being late. 1-Upon receiving a phone call on XXXX/XXXX/15 from XXXX about being late, I immediately on the same day made the full payment after reaching agreement that XXXX does not report myself being late and waiving late fees. 2-However XXXX did report to credit buroeus my account being late. 3 -- Subsequently I received on XXXX/XXXX/15 in damaged envelopes the previous XXXX statements which did not have any postmarks but according to USPS were damaged and therefore delayed.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to dispute the following information that XXXX supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX open XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic ; even after pandemic my payment history has been superior. In XXXX I reached out to your Truist to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act. 

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that the late payment history be removed as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hey, so there's this thing called FCRA XXXX, and it says if your credit stuff is wrong, it needs fixing. I'm not really sure what's happening, but can you check these papers? They're saying stuff on my credit report that's not right. It's making me feel super upset and kinda sick, so can you help make it all better?
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax is reporting unauthorized fraudulent inquiries on my credit report. I also have incorrect names on my credit report as well. Whenever Equifax send mail it has XXXX XXXX XXXX XXXX that is not my name. And they are also reporting employment that I do not work for.
Consumer complaint received 2022-10-03
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: Fidelity National Information Services, Inc. (FNIS) (TN)

I sent letters to the companies and I received no reply back, I also disputed the matter directly with the Checking account reporting agency ChexSystems and nothing has changed. 

Date of Closure : XX/XX/2017 Closure Status : UNPAID Closure Status Date : XX/XX/2017
Consumer complaint received 2020-05-06
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: JPMORGAN CHASE & CO. (MA)

I don't late remarks on this account but in Payment status says I am 90 Days late which is not true. 
JPMCB HOME -- 90 days late
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

I receive a cancellation of debt letter from XXXX XXXX about a charge off I had in 2011. I submitted a document to all XXXX bureaus however Experian have yet to honor this " cancellation of debt '' document and continue to report this account with a balance.
Consumer complaint received 2024-02-08
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)

XXXX account XXXX derogatory trade dated XX/XX/2020. 

Violation of Fair Credit reporting act 15 USC 1681 section 602, XXXX and Equifax are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. This is backed by 15 USC 6801 which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it verbal, no non verbal, written or implied may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting without my permission. They are acting in violation of the law. Further 12 CFR 1016.7 states that a consumer has the right to opt out at any time. I am opting out officially and lawfully on the record.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (MI)

Subject : Urgent Request for Investigation Regarding Auto Loan Account Dear Stellantis Financial Services, I am writing to express my deep concerns and frustration regarding the handling of my auto loan account with your company. I obtained an auto loan from Stellantis Financial Services on XX/XX/XXXX, with the following details : - Original Financed Amount : {$43000.00} - Original Term ( Months ) : 75 - Interest Rate : 11.06 % As of XX/XX/XXXX, my principal balance stands at {$37000.00}. However, despite making regular payments and additional contributions towards the principal, I have observed that these payments have been primarily applied towards interest only, resulting in an alarming lack of reduction in my principal balance. 
Furthermore, I have noticed automatic withdrawals from my bank account by Stellantis Financial Services without clear communication or consent. Despite my attempt to communicate with your company via email on XX/XX/XXXX, regarding the possibility of skipping a payment, no appropriate action was taken, and I ultimately made a full payment. Additionally, it has come to my attention that an extra payment was deducted from my account without my knowledge, yet the dashboard reflecting my account information has not been updated accordingly. 
The discrepancies and lack of transparency in the management of my loan account have raised serious concerns about the integrity and honesty of your company 's practices. I firmly believe that there may have been modifications to my loan terms without my consent or proper disclosure. 
As a result of these issues, I have been compelled to seek legal counsel to address this matter. However, before escalating this situation further, I am requesting a thorough investigation into the handling of my loan account. I urge you to review all transactions, apply payments appropriately towards the principal balance, and provide a transparent explanation for any discrepancies or unauthorized actions. 
It is my sincere hope that we can resolve this matter amicably and restore trust in our business relationship. However, I must emphasize that if prompt and satisfactory action is not taken to address my concerns, I will have no choice but to pursue legal recourse to protect my rights as a consumer. 
I kindly request a written response to this letter within [ 1 week ] to acknowledge receipt and outline the steps Stellantis Financial Services will take to investigate and rectify the issues outlined herein. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and a resolution to this situation.
Consumer complaint received 2022-10-04
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: ERC (NJ)

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by ENHANCED RECOVERY CO LLC. While checking my credit report, it came to my notice that ENHANCED RECOVERY CO LLC has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by ENHANCED RECOVERY CO LLC will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or ENHANCED RECOVERY CO LLC, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2015-12-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Herbert P. Sears Co., Inc. (AZ)

Just used XXXX to get my credit bureau report. Had a debt from XXXX showing up as unpaid and with a collection agency. I contacted the collection agency who provided me with the information to contact XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXXXXXXXXXX. I contacted XXXX and they said it was for an urgent care visit in XXXX for my son and since he is on my health insurance I was the guarantor of the debt. I have lived in XXXX for 11yrs and have not lived in XXXX since XXXX. I divorced my ex-wife in XXXX and our son XXXX lives with her in XXXX. XXXX said they mailed the bill to her, but when she called them they had a wrong address on file. We have both asked them to have this removed from my credit bureau when we pay the bill ( which is not a problem at all to do ) and they are refusing. The problem is NO ONE was ever notified of this debt, my ex-wife or myself and yet they are refusing to fix my credit bureau when I was not party to the debt or even took him to their urgent care facility. I feel as though I have been victimized and have a derogatory mark on my credit bureau with a date of removal of XXXX when I was never given the opportunity to pay the debt. Please help me as I am working to secure a loan to buy a house which is why I pulled the credit report to begin with.