davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (FL)

After contacting Equifax, XXXX and XXXX customer service by phone, I was told to submit the enclosed complaint. I also would like to remind you that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. I know that my information is being used to mislead, open, charge funds, inquire and whatever else, without my permission. I need these items removed immediately. Both the accounts and the inquiries.

I demanded to see Verifiable Proof, whether electronic or wet signature, of what they have on file of the account and inquiries. They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove. There is bankruptcy showing up on my credit report. This is false information as this bankruptcy does not exist.
Consumer complaint received 2022-06-14
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. (NY)

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. 

1XXXX XXXX XXXX has violated my rights 2XXXX XXXX 15 U.S.C 1681 section 602A. states that i have the right to privacy.

15 U.S.C 1681 section 604A. section 2 also states that a consumer reporting agency can not funish an account without my written notice or instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that 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.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I RECEIVED A CALL FROM " HOME DEPOT '' ON SEVERAL OCCASIONS AND FINALLY I WAS ABLE TO RETURN THE CALL. WHEN I RETURNED THE CALL THEY TOLD ME I OPENED AN ACCOUNT AND THAT I CHARGED OVER XXXX IN MERCHANDISE THAT IS NOT MINE, THE PERSON THAT I WAS TALKING SAID THESE PURCHASES WERE IN XXXX CALIFORNIA??? I NEVER LIVED OR HAVE BEEN RECENTLY IN XXXX CALIFORNIA. I TOLD HIM THAT AND TOLD HIM THAT WAS NOT ME AND THAT I NEVER OPENED AN ACCOUNT WITH THEM OR AUTHORIZED TO OPEN AN ACCOUNT THIS YEAR OR RECENTLY, BECUSE HE TOLD ME THE ACCOUNT WAS A RECENT OPEN ACCOUNT??? 

PLEASE FIX THIS AND I WOULD LIKE TO PRESS CHARGES TO THE INDIVIDUALS OR PERSONS WHO USE MY INFORMATION TO OPEN THIS ACCOUNT. THIS IS IDENTITY THEFT OR FRAUD. PLEASE LET ME KNOW THE BEST WAY TO PROCEED WITH THIS AS SOON AS POSSIBLE.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MO)

Around XX/XX/XXXX someone started using my name to rent apartments in at least California, Washington DC, New York, and Pennsylvania. I have not lived ANYWHERE but MISSOURI since XX/XX/XXXX. I have maintained and ran a business in MISSOURI since XX/XX/XXXX. 

I placed a Fraud Alert with XXXX on XX/XX/XXXX. 

Several months ago ProCollect began harassing me about {$7900.00} owed. Every time they called I asked for written proof of the debt. They never sent me written proof. They were harassing, rude, and hung up on me. They demanded money or that I send a police report, yet they would not provide info about the debt so that I could file one. 

XX/XX/XXXX - I filed complaint against ProCollect with XXXX 

XX/XX/XXXX - ProCollect finally sent me a one page statement which had no identifying information for me except for my first and last name. Th page only showed {$2000.00} in charges. No contract has been provided. Nothing with my signature has been provided. 

XX/XX/XXXX - Called XXXX to dispute the collection by ProCollect on my credit report. This is NOT my debt. I demand ProCollect remove the debt from my credit reports.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NCC Business Services, Inc. (AZ)

XXXX XXXX from Ncc called stated that they will take legal actions against me, on a 3 party voice mail, leaving phone # XXXX account # XXXX
Consumer complaint received 2022-11-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EMCC Holdings, LLC (PA)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Equiant Financial Services Inc timeshare developers attempted to collect a debt using egregious conduct referring to debtor 's race forcing payment using prior court dismissals. As a result, compliant/debtor sought federal court action ( Edwards et al v. Flagship et al., 1:22-cv-05386-KMW-AMD ) in violation of 42 U.S.C. Section 1983 Civil Rights violation and under the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, which prohibit debt collectors from engaging in abusive, deceptive and unfair practices. 
In addition, debtor filed in XXXX XXXX ( Edwards et al v. Flagship et al, ATL L-002502 22 ) against the above mentioned companies in violation of New Jersey Consumer Fraud Act, N.J.S.A. 56:8-1, which prohibits activities of " unconscionable commercial practice '' " deception '' " false promise '' and " misrepresentation. '' When called, the timeshare was never available for use under the timeshare agreement of odd year usage nor during alleged peak seasons. But, when called back minutes later there was availability at owners discounted rates. In XXXX, on top of the monthly payments there additional per night visit cost of {$45.00} dollars and one night {$100.00} dollars exercising a " double-dipping cost policy as a matter of practice and custom with deliberate indifference. We stop paying for something we has no access too.
Consumer complaint received 2022-06-14
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. (MA)

In accordance with the Fair Credit reporting act 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 an account without my written instructions.
Consumer complaint received 2022-10-17
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. (TX)

Personal Information incorrect on my credit file ie : Name XXXX XXXX ( legal name is XXXX XXXX XXXX XXXX ) please remove XXXX XXXX Incorrect address never lived at this address XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2022-11-02
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: LEXISNEXIS (NJ)

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of XXXX  I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable at that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the XXXX XXXX  XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the XXXX XXXX XXXX of New Jersey before a competent court of law! XXXX could be liable criminally and civilly for FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Consumer complaint received 2022-06-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: VW Credit, Inc (NC)

On XX/XX/XXXX, I called Audi XXXX and spoke with XXXX about extending the lease on my XXXX XXXX Audi by 6 months. XXXX told me that they could extend the lease by 6 months. However, the lease amount would not change. I thought that was great since the lease amount includes incremental services payments ( the Audi Pure Protection and Audi Care ). I was interested in continuing the service agreement for those 6 months. XXXX informed me that I would have to contact Audi services to inquire about extending the service portion of the lease agreement. That same day I called XXXX XXXX and spoke with XXXX. XXXX told me that Audi XXXX  would need to inform Audi Financials regarding an extension so that they can update the contract accordingly. I thought this was great, so I called Audi XXXX on XX/XX/XXXX, and worked with XXXX to extend my lease by 6 months. XXXX told me that I would have to send a copy of the lease extension letter to Audi Services to get the contract extended by 6 months. When I received the lease extension letter, I called Audi Services on XX/XX/XXXX, who transferred me to Audi Financials to get the service portion of my agreement extended to match the lease extension. I was told by XXXX in Audi Financial that I would have to cancel the current service agreement, pay them a buyout, renew the service agreement, and start paying them each month for that service. I was confused and taken aback by this conversation, so I proceeded to gain some clarification. My statement to XXXX was ; " so Audi XXXX will not decrease my lease payments to remove the service portion of those payments, so I am paying for something that I am not receiving ; Audi Financial would like me to pay a buyout, on top of the payments that I am making to Audi XXXX for services not received ; and then pay incremental monthly payments to Audi Services to receive the services that I am already paying for in my lease agreement? XXXX explained that Audi XXXX does not give them any of that money from the extended lease. I told him that this scenario only benefits Audi at the customer 's expense. I understand why they would put this policy in place because they get paid more than twice the amount for the services I previously bought. I told XXXX that Audi is one company and should put policies and processes in place across the entire company that does not permit them to commit consumer fraud. He mentioned that this was their process and offered no apologies, understanding, or recommendations. I informed him that I intended to file a formal complaint in hopes that this could drive change in Audi that does not take advantage of their customers.
Consumer complaint received 2022-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (TN)

Sallie Mae calls several times a day every day. I am aware that I am 67 days past due and I have plans to catch up on my payments, but even when I make a payment they continue to call harassing me for more money after I've already said I just paid and can't afford anymore. They frequently change my account manager and I have to re-explain my situation constantly. I have a voicemail from this past XXXX  where they said, " We spend more time trying to contact you than necessary. '' If I answered the phone every time they called it would be a full-time job in and of itself. I just want them to quit harassing me and changing my account manager multiple times a month. I'm doing the best I can and they really push and pressure me to not have money for rent and food to pay a student loan. It's ridiculous.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

I have filed multiple disputes with this agency. I have put them on notice multiple times that they are in violation of the privacy act. I need copies of the form SSA-89 with signature authorizing them to access the social security number and information. Not producing this form with authorized signature is aggrevated identity theft. The entity issued this tax identification number has only ONE NAME ( in proper form since your reporting for a living man individual and not a dead man or corporation ), ONE ADDRESS as listed on document attached. All other personal information is incorrect and needs to be removed at once. Your preventing the flow of commerce by incorrectly and causing harm by fraudulently reporting false information. There are multiple names and addresses attached to these fraudulent reports. This is causing much harm and injury to my person. I'm seeking remedy and removal of all items on report due to aggrevated identify theft and fraudulent reporting with no authorization to do so. Effective immediately
Consumer complaint received 2022-06-14
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)

I have sent several Disputes to Equifax, XXXX and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 2022-11-02
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc. (MO)

My identity was stolen and used to open up credit cards including this one I contacted XXXX Bank and XXXX to no avail then they sold the debt to XXXX this is not my dad I have disputed it with all three credit bureaus and XXXX without investigation or providing any proof says the debt is mine and the credit bureaus believe them
Consumer complaint received 2022-06-14
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. (AL)

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} Account Name : XXXX XXXX  Account # : XXXX XXXX High Balance : {$720.00} XXXX  Account # : XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Account without my written instructions.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I got a promotional offer from Wells Fargo to open checking account. Once checking account has more than {$1000.00} direct deposit within first 60 or 90 days - I will be provided {$320.00} cash back bonus. I opened this account on XXXX XXXX XXXX. 
On XXXX XX/XX/2022, when i checked for this {$320.00} bonus, Customer service was unaware of it and opened a case. No response from WF till this point of time.
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

In their unprofessional response, Equifax wrote in all caps " AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE '' They refuse to provide the requested information. They insist on keeping the fraudulent inquiry on my report. 

Despite having credit freeze and fraud alerts on my account Equifax failed to provide details on who made the hard inquiry on my account. I need this resolved.
Consumer complaint received 2022-06-13
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. (TX)

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ACCOUNT # XXXX XXXX. Account # XXXX XXXX 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 2022-08-24
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. (AZ)

In accordance with the fair credit reporting act Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (OH)

I've contacted Online Information Services by mailed letter on two occasions to resolve my issue. Both times the company disregarded my concerns and stated that they have no legal mandate to investigate my concerns any further than what they did. I sent my first letter by mail on XX/XX/2021, advising that the information contained in the account that is on my credit report is incorrect, and contains errors. The company 's response to my letter was a bill, that also contained errors. I reached back out to the company advising that a photocopy of a bill was not debt validation and does not prove that I owe the said debt. The company then responded again stating that they are not required to validate the debt any further, even with the errors it contained, proving I am not the account holder. MY rights as a consumer are for the debt collection company to provide actual PROOF that I am the account holder and that all areas of the account must be true and accurate, free from errors.
Consumer complaint received 2022-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NM)

For the last ten years I have been trying to get US Bank to approve a loan modification for me to sell my house in a short sale. I have had an offer on the home and they have made this the most difficult process/time of my life. I got a divorce in 2011 and my ex husband was difficult and did not want to sign the documentation needed for me to do so. I was told by mu realtor to have him sign a quit claim deed which he did so that I can go forward with the shortsale process. I have applied multiple times and every time my realtor sends over everything so we can close this and finalize the short sale they say they are missing something or they didnt receive everything and they close it. I have done this countless times. I need to get this taken care of as it has caused a major rift in my life and I am just trying to get the short sale done so I can go about my life. I was in a difficult time in my life and feel behind therefore leading me to become delinquent. I was told by my realtor to file a formal complaint against US Bank. Please advise.