davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Starting the XXXX of XX/XX/XXXX my XXXX XXXX which had a {$1600.00} credit balance but zero ( {$0.00} ) charge balance suddenly had charges appear. To XXXX credit I was notified of sudden charges that did not fit my pattern. They were all eventually removed from my account ( mid XX/XX/XXXX ). I found out that the person who committed my fraud problem actually changed all of my information on my account from address to email accounts. I could not verify my identity so that I could get everything monitored. I was requested to send a copy of my drivers license and a letter verifying my identity. They acknowledged the letter and reset everything. In XX/XX/XXXX I was notified of a {$2600.00} Charge Off ( CO ) from XXXX was recorded. I tried to access my account and again I was not allowed as it was not my personal information that was on my account. They refused to acknowledge my information and demanded another letter with my personal information attached. I again complied and sent a copy of my initial police report on the theft in XX/XX/XXXX. I have sent copy after copy of the report. The investigator in New Mexico has provided his personal cell phone and email address as well as the investigations department number and email for any and all creditors to validate the fraud. Now I can not get them to take off the fraud which has destroyed my credit and I can not complete the purchase of my house due to this fraud. I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran. Who is XXXX XXXX XXXX XXXX and if I did not have the kindness of a relative my family and I would be homeless. Please intervene. I can provide copies of the aforementioned information.
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 — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX the two credit cards used on line for deliveries ( I am XXXX XXXX needing supplies for survival ) XXXX  & USAA both had UNAUTHORIZED TRANSACTIONS of {$8000.00} Not ordered from my phone IP Address & OR Items charged Not Delivered. XXXX  XXXX Data Breach Confirmed my data was exposed. Mail fraud occurred see attatched CRIMINAL INVESTIGATION UNITED STATES POSTAL INSPECTION LETTER dated XX/XX/XXXX USPS ( DELIVERIES NOT MADE. ) See attatched FTC ID Theft case XXXX. * ( BANKS ARE NOT WCAG ADA 2.1 COMPLIANT PER FERERAL LAW* ) See Police Report. See XXXX Confirmation XXXX Reported Disputed NOT FIXED. XXXX  ACCOUNT XXXX USAA ACCOUNT XXXX & USAA   ACCOUNT XXXX ( Despite written requests, the unverified original signatures for deliveries made into my hands & signatures of contract application still remain on my credit report in violation of Federal Law. Federal FCRA Law requires a copy to be held on file. XXXX  is required by law to VERIFY that this information is mine and correct having recieved items charged. In results of investigation you stated these items " VERIFIED '' being " REPORTED CORRECTLY "? ) Who verified these accounts? XXXX  has Not provided me a copy of any original signatures deliveries made into my hands or contracts of application as required under SECTION 609 a1A & SECTION 611 a1A. Furthermore XXXX  has ( failed to provide method of verification as required under section 611 a 7 ). XXXX  please be advised under SECTION 611 5 A of FCRA - you are required to .... " promply DELETE all information which can not be verified '' The law is very clear as to civil liability and remedy available to me ( SECTION 616 & 617 ) if you fail to comply. I DEMAND THESE ACCOUNTS BE VERIFIED WITH ORIGINAL DOCUMENTATION of delivery made into my hands and all application contract signatures. ** XXXX  DATA BREACH OF XXXX NOT EXPOSED UNTIL XXXX PROBABLY CAUSED THESE BANK FRAUDS. PER XXXX  BREACH SITE MY DATA IS ON DARK WEB FOR FUTURE FRAUD ALSO & XXXX  HAS NOT PROVIDED ANY RELIEF OR RESTITUTION. MILLIONS AMERICANS WERE EXPOSED. WHY IS XXXX   ALLOWED TO HARM SO MANY WITHOUT ANY REPERCUSSION OR RESOLVE? American CONSUMERS & BANKS LOSS BY XXXX  IS NOT RESOLVED ( 3 ) THREE YEARS LATER. WHY ARE THEY ABOVE THE LAW? I AM XXXX ON XXXX XXXX AT HOME AMERICAN TAXPAYING CITIZEN OF XXXX YRS LOSS OVER {$8000.00} TARGETED BY PROFILE NO PROTECTION. & NOW VIRUS??
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (NC)

On the report it says " Sentence : " jail 10 days/ suspended ; probation 12 months ''. I was not placed on probation for 12 months and I didn't serve 10 days in jail. I had to reimbursed the courts of {$200.00} in XXXX of 2019.
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

To whom it may concern, I received my free credit report and have noticed discrepancies on a reported charge off account that violates my FCRA rights ( Fair Credit Reporting Act ) I have highlighted my concerns in the .pdf attached and ask that due diligence is done to confirm the validation of this debt. I have previously requested information from this collection agency and have in return received repetitive robot-like replies basically saying " take my word for it. '' I have not received real credible evidence including but not limited to : a signed contract, and the I.D provided at the time of contract signing. I've been made uneasy by the sloppy account keeping. I have provided FTC identity theft reports to this agency as well, per their request. They did not care and proceeded to ignore my request for deletion. I have spent months now attempting to work alongside the collection agency and have gotten nowhere. They refuse to provide me with valid information confirming the accuracy of the reported account. I am requesting that Equifax take control of the situation and determine the credibility and legality of this account by validating this debt. Across all three bureaus are inaccurate and contradictory reporting such as payment history, and account status. I would imagine that payment history and account status are the two most important attributes of an account on a credit report. Assuming that is the case, why are my accounts being reported this way? How can a person pay 94 % of payments on time while simultaneously reporting 0 % payments made ( all payments missed )? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) Equifax reports 94 % of payments made on time whereas XXXX reports 0 % of payments made on time. XXXX 's payment history is void yet reporting as open, the same as the Equifax report which has the 94 % payment history. All of this will be highlighted in the attached .pdf document for easy viewing. It is my understanding that accounts that are not accurately and consistently reported are in violation of my FCRA rights and if this debt can not be validated. XXXX XXXX
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (VA)

This company hasn't shown anything valid that states I owe this debt. There's no agreement, no signatures, or anything that states I owe this debt. They bought an alleged debt from XXXX XXXX for pennies on the dollar with NO validation that I even owe this. They are attempting to tarnish my credit worthiness for a small profit. It's ridiculous.
Consumer complaint received 2015-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Ideal Collection Services, Inc. (FL)

ideal collection stepped in trying to collect a debt in an inproper matter and not and threatened to take legal action as if it were a suit. when im in a suit with XXXX as the defendant and em as a plaintiff for funds thats owed to me and slander on a contract leased and not delivering agreement back like should.
Consumer complaint received 2017-08-16
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: Experian Information Solutions Inc. (LA)

I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 1 ) XXXX of XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 )  XXXX/ XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX XXXX.. ( XX/XX/XXXX ) 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/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. (VA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX 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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint regarding the conduct of Equifax, a major credit reporting agency. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by not following proper procedures in verifying account information and reporting bankruptcy data. 
Upon reviewing my credit report obtained from Equifax on XX/XX/year>, I discovered inaccuracies related to a bankruptcy filing. It has come to my attention that Equifax did not directly contact the furnisher of the account, as mandated by law. Instead, they relied on third-party verification processes, such as PACER ( Public Access to Court Electronic Records ) and XXXX, which are not adequate verification sources according to the FCRA. 

This violation has had a detrimental impact on my creditworthiness and overall financial standing. As a result of the inaccurate reporting of bankruptcy, I have faced [ describe any specific negative consequences, such as denial of credit or higher interest rates ]. 

Although I have initiated the dispute process with Equifax to rectify the inaccuracies, I am deeply concerned about the broader implications of their failure to comply with the FCRA. It is crucial that credit reporting agencies adhere to the law to uphold the integrity of consumer credit reports and protect consumers ' rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their non-compliance with the FCRA. Additionally, I seek assistance in resolving the inaccuracies on my credit report and ensuring that my rights as a consumer are safeguarded. 

Thank you for your attention to this matter. I anticipate a prompt response and resolution of this issue.
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (WA)

I have tried to reach out to the company making them aware that I have been diagnosed with XXXX XXXX, laid off and can not pay at this time. I asked for a pandemic deferment for two months and they said they are not offering this to customers at this time. Although I have reached out to them and explained my situation, GM financial has continued to harass me several times a day. My payment is not even one month past due and the representatives have threatened to send me to collections. Please help me with what I can do to protect my investment. I am a law abiding citizen that always pays my bills on time. Thank you and I look forward to hearing from someone in the near future.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is engaged in multiple willful misrepresentations ( fraud ), even after federal lawsuit on XX/XX/2020. What a criminally inclined company! 

( 1 ) Displaying my social security number as my phone number on the front page of the credit report. 
( 2 ) Removing two ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX Accounts ( by TransUnion ) to willfully harm my credit score by at least 20 points.
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. (GA)

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.

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 2021-08-04
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. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$280.00}
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: CORELOGIC INC (OH)

I have several issues on my credit report. I am not sure what you need from me to correct this issues. I have attached a copy of my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX and my SS card. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2017-01-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

In XXXX I had authorized Ocwen to automatically deduct from my XXXX account the amount of my mortgage on a monthly bases. through out XXXX Ocwen was deducting my mortgage from my bank account. In XXXX of XXXX I had to file for Ch.XXXX Bankruptcy but continued to pay my mortgage. Then in XXXX of XXXX, Ocwen stopped taking my mortgage from my bank account.
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. (LA)

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.

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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX has been reporting fraudulent mortgage payment amounts to the credit companies. And then used these fraudulent numbers to file for foreclosure on my home. In a correspondence dated XX/XX/XXXX from XXXX XXXX Complaint Specialist XXXX XXXX. She stated " Principal and interest payments of {$1000.00} starting on XX/XX/XXXX for 30 years. '' Also she admits that XXXX XXXX XXXX XXXX. Can not produce proof that they gave me any type of Loan. Stating " XXXX must decline your request to produce a signed contract proving that funds were provided in the form of a loan ''. However XXXX XXXX XXXX XXXX has reported to all three credit agencies that I'm delinquent for the payment amount of {$17000.00} per month. This fraudulent amount is not the amount of my original loan from XXXX XXXX that I have a signed contract with. They have admitted to fraudulent action and extortion of funds and proof that they have no contract with me to demand anytime of repayment.
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC (NY)

I was pressured and rushed into getting a private loan through XXXX XXXX rather than being given several options or time to seek out other loans. I am now stuck with a High interest loan with a high payment that I can not afford.
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. (IL)

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.

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 2020-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2020 I was looking to rent a home, a transfer in {$1800.00} was made from my Bank of America account through XXXX to the scammers email. I called Bank of America right away to informed them I had been scammed and file a police report of the incident. 

After talking to multiple agents they informed me the charge could not be stopped. They kept saying I authorized the charge and there was nothing they could due. I have collected all the information they ask for and have the police report to prove I was indeed a victim of a scam and yet XXXX our Bank of America will not stop the charge which is still processing.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

A third party company is reporting on my credit that I owe them the sum of XXXX. They are calling, harassing and sending letters demanding payment. I do not nor at any time had a contract with this third party company. I do not owe any money to them and they have no right to report it on my credit reports. I requested a wet signature, document with the reported amount owed, the company that the original contract is with and documents of amount claimed to be due, third party contract and any or all document with my signature on them. They refused to provide proof of this debt and any signed contract. I have no knowledge of the sums they claim are due nor an explanation of the reported sum. 
Third parties must provide original contracts, when requested by the consumer with signature to ensure they are reporting accurate information. And must be held responsible for reporting inaccurate, unverified information without documentation when requested by the consumer and when reporting to any agencies. 

I request that the XXXX major credit reporting bureaus listed removed the inaccurate information from my profile. Including all other consumer reporting agency listed below. 
XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX