davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (GA)

I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} SXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXXXXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-04
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. (CA)

In accordance with the Fair Credit Reporting Act Transunion has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This account was protected by an insurance that was paid with each monthly bill. The insurance was to cover the money owned in case of job loss or medical. I was diagnosed with XXXX and was ubable to work. I contacted orignal creditor to use the insurance to cover this charge card. I have asked this debt collector for bills showing debt and amount and have yet to receive, On monthly statements it will show that money was paid each month for insurance protection. I sent letters requesting documentation twice, once on XX/XX/2020 and again on XX/XX/2020. Creditor has yet to respond.
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXX {$23000.00}
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX Said we opened an account in XXXX XXXX ga. We live in XXXX for 14 yrs and have XXXX XXXX  for 14yrs have sent all paperwork to there fraud dept be certified mail and they received it every time i call they want something else last was a statement from XX/XX/XXXX every time i call they say our fraud dept is still checking my wife had her s/s used to open an account with XXXX XXXX  she also talked with fraud dept and they told her it looks like fraud on her s/s number i first contacted them XX/XX/XXXX there address is XXXX XXXX XXXX credit team XXXX XXXX XXXX XXXX XXXX XXXX XXXX we were never charged for there service on credit report shows 4 late payments alls i want them to do is contact credit companies and remove it also we told them we never lived in ga. Please help in resolving this mistake XXXX XXXX made thanks XXXX XXXX
Consumer complaint received 2020-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have sent police report to Capital one credit card and informed them that the credit issued under my name and soocial name XXXX XXXX is fraud. This happened after identity social security theft and i filed fca report. They deleted from XXXX credit burue. 
But they keep sendining information to XXXX  to label it as charged off account. I have evidence letter that this was resoved as frayd see attachment so I would like XXXX  to delete it I am XXXX  XXXX person and they ruined my credit, I made more than 5 attempts they delete and bring it back Please I want permenant delete My last social XXXX name XXXX XXXX XXXX Dob XXXX
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I wrote a letter to Bank of America dated on XX/XX/2019 and XXXX XXXX as a goodwill letter in reference to our mortgage account. We noticed in our credit report shows late/missing payments on the account. I sent a letter to Bank of America to let them know we have never been late on our mortgage payments. I asked them to correct the information on their end. However, I admitted on the letter that I will take responsibility for those so call late/missing payments-if they can remove it from the credit bureaus. Instead they wrote back indicating that their information is correct and to contact the credit bureaus to correct the issue. I feel this have been a mistake on their end and because of it we can not go forward in apply for a business loan due to Bank of America indicating we were late/missed payments.
Consumer complaint received 2021-09-02
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2020-08-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I went to Quicken Loans website to get mortgage rates for an investment property ( because they are reputable enough and I also have 2 outstanding mortgages with them ). Even though their website as deceptive practices to invite clients to get rates and they request a lot of personal information first, at then end they said they appreciate me and to finalize the request to call them. So I call them and MLO # XXXX - XXXX XXXX answered, he proceeded to first asked me all my personal information ( even tho they could use my profile as a customer or could use the information i had entered in their online questionnaire ) and after that he said the only way to give rates is to pull a credit - this was never disclosed anywhere in their website or by him before taking my info. I asked if Quicken Loans has a policy where they do not whatsoever provide any kind of rates unless a credit is pulled and he said yes. I then spoke to the Executive Officer and spoke to XXXX XXXX ( ext XXXX ) and explained how i felt Quicken Loans violated Fair Lending Act by making me feel they wanted to obtain my personal information : full name, address, phone number to then say now we need to pull your credit or else not. The information I provided to them by their request without disclosing further needed information, makes me believe they use some of my personal information to decline a simple general request on rates. XXXX said Quicken Loans does not provide ever any rates to anybody unless a credit report is pulled so they can provide specifically what a person qualifies for, I then proceeded to show him in his Website they do provide rates on there without asking anything or any information so that didn't match what he said about no rates to anybody. I also told him I just wanted to get general average rate information for an investment product for XXXX which specifics the loan product I was inquiring and he still denied to provide that information b/c Quicken Loans never does that. There is a lot violation under UDAAP and Fair Lending Act issues here Also, XXXX intended to stop the conversation by telling me he is not a loan officer and he is not authorized to disclose or provide loan information, he said this after all throughout the conversation he provided and disclosed loan information to me
Consumer complaint received 2021-05-07
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a wrist of garnishment from a company called Asset acceptance this garnishment is a fraud. I dont know what kind of deb is that. And I saw a case again me in court that was closed. The date of that case is XX/XX/2010. I assumed that company bought a deb but I still dont know which one. But Given the case the statue the limitation is expired and I earn less than {$750.00} per week and the they are taking money from my check. I don't know how they allow this scam company to do these frauds. I never received a judge resolution and this company is taken 25 % of my salary. I attached a copy of my paycheck.
Consumer complaint received 2020-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA holds my mortgage/escrow. I changed my homeowners insurance company, mailed BBVA my insurance refund check for escrow on XX/XX/XXXX {$1100.00}. New insurance was now going to be {$960.00}. I phoned on XX/XX/XXXX to get my new payment. She informed me it would go from {$1600.00} to {$1700.00} ( confirmation # XXXX ). My payment posted on XX/XX/XXXX but my mortgage said it was unapplied payment of {$1700.00}. On XX/XX/XXXX, they charged me {$55.00} late fee. On XX/XX/XXXX I called and asked why my payment didn't post, told it was short. I said I will pay the additional money to get it posted and she took my payment over the phone of {$98.00}. I found out the XXXX that money was given to escrow and not the payment so I am still short and delinquent. 
I have asked for 3 days to have a supervisor call because I believe the customer service representatives are in another country and not connecting with my mortgage. I have asked what I need to do to speak to supervisor to no avail. My last conversation she said she would ask to get the {$98.00} payment moved from escrow to mortgage. She was going to give me confirmation number and the phone disconnected after 7 minutes. I called back to find the business was indeed closed. I have over XXXX credit rating and do not want it ruined because of this business tactics. I have almost {$400000.00} equity in my home and would like to move to another bank if possible with my husband and I retired. 
Please call me and help. XXXX XXXX.
Consumer complaint received 2020-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I have attempted to contact this company regarding three debts that showed up on my credit report. Its time someone said they would send me information. I have yet to receive information and its been over three months since I talk to the last representative. I need to find out more information about these debts, If they are in fact mind I would like to settle them. I am currently unemployed.
Consumer complaint received 2022-08-01
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. (MD)

I have an inquiry from Equifax Mortgage Services on my report. I informed Equifax I have not applied for a mortgage and it should be removed. 

I let Equifax know when I filed the dispute that I did not make this inquiry. 

The Equifax response to my inquiry was : The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

I did NOT authorize this inquiry because I am not seeking a mortgage, nor do I have a mortgage with any company. This must be some sort of fraud.
Consumer complaint received 2022-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

A charge of XXXX dollars on XXXX was disputed with Venmo. There is a charge of XXXX dollars on XXXX that I DID initiate. The intended receiver received the XXXX dollars sent on XXXX, but did not receive the XXXX dollars that was charged from my bank account on XXXX. My Venmo account shows the valid transaction of XXXX dollars from XXXX, but the XXXX dollars that was charged on XXXX does not show on my Venmo account. I was provided a temporary credit of XXXX dollars by Venmo. Venmo denied my claim even after I provided a bank statement and screen shots of my Venmo account showing the fraudulent charge of XXXX dollars on XXXX. Venmo rescinded my XXXX dollar credit and has stopped all communication regarding this matter.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (TX)

I have been a Robinhood customer for more than two years, for security reasons, I set up all my account for two step verification, however, in the month of XX/XX/XXXX, I lost access to my phone number and my phone, so I can not verify my information to log in, However i was able to log into my account, Prior to me losing access to my account, I had filed some dispute in my account, Robinhood did not update or contact me about my dispute, about a little over two weeks, I reached out to Robinhood asking about the dispute I had filed, the Robinhood specialist that I spoke to, admitted that my case was just there and nobody escalated it as it should have been, during this process, I had verify my account at least 3 times with Robinhood, Robinhood then credited my account temporarily but then locked my account so that I can not access my funds. I called on XX/XX/XXXX and spoke to someone from the security department who was very hostile, threatening to have my funds locked into my account until I provide my personal bank statements and my ID to verify my Identity, despite the fact that I had verify my account multiple times before, I asked the specialist why should I submit my personal bank statements to Robinhood and that am concerned about my privacy issue since that has nothing to do with my Robinhood account, She then became very hostile and hang up the phone while I was still trying to get answers. At this point I believe Robinhood is treating me different and that could be racially motivated, I do have further events to back this feeling up. I am exhausting all remedies available to me before filing a lawsuit. Robinhood has been very uncooperative.
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (CA)

I received a debt collection letter by ARstrat for the amount of {$43.00} to collect from XXXX XXXX. I have never received any billing statement from XXXX and suddenly I got a letter to collect an amount that I dont even know about. 

I have called XXXX to asked about the amount owe and the lady didnt explain anything and said I will remove your account information from the debt collection. I asked about confirmation number to indicate that it has been removed but she only provide her name and the location she works. I've been dealing with XXXX XXXX billing department for the last two years on billing amount that I dont owe as it should have been paid by my healthcare.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX  Case Number : XXXX Delete this account.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grant & Weber (CA)

Account states it is in collections. By default it is considered past due. The FDCPA states if an account is in collections there should be NO amount listed as past due only a balance. So why is there a past due balance of {$810.00}. 

This account has failed to provide the necessary documentation to validate this debt. I also requested a copy of a HIPPA release form & they can not provide one. 

I deemed this debt to be unverifiable. 

This is affecting my credit score and hindering me from obtaining new credit.
Consumer complaint received 2020-08-26
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. (NJ)

I love my XXXXXXXX XXXX but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CA)

On XXXX, XXXX, XXXX  XXXX XXXX received in the mail a letter that USBank. The Letter enclosed with a card named reliacard on it. Suspicious of the card we did some research. The reason for our suspicion was that there was never a bank account opened at USBank by XXXX XXXX. When doing research for the reliacard as well it explained online that the card wad for those that submitted for unemployment benefits.  XXXX XXXX also did not apply for any such benefits as he is XXXX  XXXX. We figured this was fraud and this video on XXXX from a news report in XXXX for XXXX is just like ours. XXXX  : XXXX In the article and video the lady who is a victim explains very much of what is going on with XXXX XXXX , in that this card has come out of no where, and that XXXX lives in a state ( California ) that does not even provide those benefits. We want to make sure this does not effect XXXX XXXX credit and other statuses with the IRS as we believe someone has taken their identification. We need help as soon as possible dealing with this matter. We already headed to USBank in person but they explained they are only the bank part of this, the government is who issues the card.