davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2019-05-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have inaccurate information on all three of my credit reports ( Equifax, XXXX, and XXXX ) which I have disputed with XXXX XXXX. I do not have a contract with XXXX XXXX ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to Equifax, XXXX, and XXXX to send me proof of my original contract with XXXX XXXX or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (CA)

Since XX/XX/XXXX, I have been in communication with Chase Card services. My mother was diagnosed with XXXX in XX/XX/XXXX. I explained to chase card services my predicament of having to take time off of work, to care for my mother. My mother has passed away as of XX/XX/XXXX. Approximately a little over a month ago. I have tried to reconcile and have negotiable terms, and even made minimal payments while being unemployed. I consider Chase Car Services to harassed me through my mothers entire XXXX, and also losing my business. I would like to keep this account in good standing and would just appreciate some understanding from Chase. The negative statements reported to the credit bureaus also does not help me during this major crisis in my life. I am begging for help, to stop the madness and communicate effectively with this company!
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

NewRez Since XX/XX/2021, the NewRez has been withdrawing for an insurance premium which I have furnished and confirmed by the company as having the required insurance. I called the company XXXX, and XX/XX/2021 to resolve the issue. Each time, the representative informs that an escrow analysis is require. In the mean while, {$1500.00} drafts have withdrawn for that last 3 months. Additionally, the escrow amounts are being held in separate account. I have repeatedly reached out to the company without receiving the funds or having the payments reduced.
Consumer complaint received 2020-08-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OK)

I paid off my loan on XX/XX/XXXX with a cashier 's check. Ally confirmed receipt of the payment, and told me they mailed the lien release on the same day. I told them the dealership where I traded in my vehicle needed a lien release right away, so Ally told me they would FAX a lien release to the dealership on XX/XX/XXXX. On XX/XX/XXXX, I called them and informed them the FAX was not received. They said they would FAX it again that afternoon. On XX/XX/XXXX, I told them I had not received the mailed lien release. They told me I should receive the mailed lien release by XXXX. On XX/XX/XXXX, I received an email confirming that the lien release had been mailed, and I should expect to receive it within 7 days. 
On XX/XX/XXXX, I called them and let them know the FAX still had not been received by the dealership. The agent said she would send the request to another department and they would FAX the lien release in 1 to 2 days. On XX/XX/XXXX, the faxed lien release still had not arrived. I called Ally and they said the FAX request was currently being processed and the dealership should receive it by XXXX XXXX the same day. On XX/XX/XXXX, the XXXXAX still had not been received. I called Ally, and they told me they needed another 1 to 2 days to process yet another FAX request. I asked to speak to someone in the Consumer Relations Department.

So far, this was one request for a mailed lien release, and four requests for a faxed lien release. 
The Consumer Relations Department told me that either on the XXXX or XXXX, I would be able to obtain the lien release by logging in on their website. On the XXXX, I called Allys Consumer Relations Department again. They told me I needed to wait yet another 1 to 2 days before I could access the lien release. In the meantime, the mailed original still has not arrived. Every time I speak to them, they tell me they must send my request to another department, and it will take another XXXX to 2 days for the request to be processed. Over and over again, I have done this, to no avail. 
Here I am, three weeks after paying off my loan with a cashiers check, and I still do not have a lien release after repeated promises to provide one for me.
Consumer complaint received 2021-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

On XXXX XXXX I applied for a mortgage loan with Rocket Mortgage also known as quicken loans. Spoke with the loan officer the same night who told us ( myself and my partner ) that he didnt think wed qualify based on the information we submitted. Which was not much. He hadnt run credit yet or anything. I told him to take a second look because I had been previously pre qualified by another company. He then says ok please upload tax forms, w-2s etc. and Ill take a look. So we agreed. The next afternoon I went to upload documents and saw that there was ALREADY a denial in my files. He did not call or anything to tell us at all. The denial said was based off credit scores, which mine was in the XXXX and partners was XXXX. Which are not bad scores at all. And also stated excessive debt and we have NO debt. So I really feel he just didnt want to do the work at all. I explained to someone else from the company who reached out to us to follow up for some reason, the whole story of what happened and he could not apologize enough for the whole situation. Said hed take a look into it and see what happened. I received at least 3 calls a day from them after that about how we actually could qualify. But by that time I was insulted and done with the company. I have supporting documentation to include.
Consumer complaint received 2021-06-21
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: MoneyLion Inc. (DE)

I have contacted MoneyLion several times in reference to this alleged account in my name. I called their customer service to report that I had never opened an account with MoneyLion and that it was opened fraudulently in my name, the person I spoke to told me that they would send me some documentation so I could dispute the account which they never sent. I have disputed this account multiple times with XXXX  to no avail, I even submitted and Identity Theft Affidavit with a police report attached. I have tried to dispute with MoneyLion via Email and asked for validation of this debt to which they ignored my disputes then sent me a copy of a form with a computer typed signature that could have been done by anyone including them and after they sent the " validation '' sent me an email stating they were closing my case because they had not heard from me despite the fact that I sent them a dispute via certified mail with a return receipt. When I asked them about the letter I sent via certified mail they told me they had not received it even though I have a signature confirmation that they did receive it. I've even offered to pay this inaccurate account off just to have it removed from my report because it is severely and unfairly damaging my credit because I never signed up for this account and they ignored my emails. I have even disputed this account previously through CFPB and they have failed to respond as of yet! I have been disputing this inaccurate account that does not belong to me for over a year. In that time, the account has been closed on my XXXX  credit report then reopened and then closed again which is also inaccurate reporting! I was able to get it removed from my other credit reports due to its inaccurate reporting but XXXX  will not remove it and claims that it has ben verified even though I have yet to receive any actual verification or validation of this account. This is not the first time MoneyLion has been accused of fraudulent business practices ; see United States District Court case no. 20-55058 DiCarlo V. MoneyLion. This testimony will be forwarded to the FTC since it is unacceptable for a lenders actions to negatively impact a debtors credit when the consumer has informed them that this account is a result of identity theft.
Consumer complaint received 2019-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX XXXX amd XXXX XXXX XXXX. Contact XXXX   XXXX  and Trans Union and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I recently have been sending dispute letters to XXXX, XXXX, and Equifax for a few accounts that have incorrect information and they refuse to update, change or remove these things and remain on my credit report for the past years. 

On XX/XX/year> The Credit bureaus stated : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. I have attached the most recent credit appeal letter I sent with all of my verified information along with my proof of identity to all three credit buearos and I have mailed it to each of them again seperately through certified mail. 

Please see into these as I have tried to resolve this with them with no solution and would like it to be rectified.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION (FL)

I received a 0 % credit card and attempted to use it. Now they have me set for fraud. They want me to send my social security, id, paystubs, and utility bill to an unsecured email address. BBVA has a secured messaging within their site and they said I can't use it. They also advised there is no case number assigned, etc. This is from their associate ID XXXX. The entire process has many red flags which compliance needs to review.
Consumer complaint received 2021-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (LA)

I purchased furniture from a store called XXXX XXXX XXXX XXXX XXXX- I have done this twice before and utilized their financing option. I have paid off both of those balances with no issue and decided to get my sister some furniture for her new home. Today, I was reviewing my credit and I figured I should be close to the end of my balance with American XXXX XXXX finance company ( XXXX XXXX XXXX. ) On my credit report, it shows I still owed XXXX so I logged into the account and found a balance of XXXX  XXXX left. I went through my automated payments are realized I have paid over XXXX XXXX to them with an additional XXXX XXXX left to pay. This would me my total payment to them would be XXXX XXXX! My original purchase was only XXXX XXXX!! I called pretty angry to find out what happened. They explained I signed a lease to own, of which I had no idea! The furniture store offered me 90 days interest free otherwise monthly payments to pay off the balance plus interest. No one told me I would be doing a rent to own otherwise I would not have utilized the program! This is robbery to charge a XXXX XXXX FINANCE FEE for a balance of XXXX  XXXX! I never signed up for a rent to own and would never have. This should have been retail installments- this is completely incorrect.
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

A charge for {$190.00} was taken over the phone by a fraudulent travel agent XXXX XXXX XXXX from the internet for 1 night stay in a hotel. When we arrived at the hotel they had no record of us. Within 2 hours of the reservation made on line we called Wells Fargo and disputed the card charge and asked that they not honor the charge. We did not stay in the hotel since the hotel had no record of them ever being paid. Wells Fargo 's debit card has the XXXX logo on it and they are false advertising if they do not honor the customary procedures for XXXX. We should not be charged the {$190.00}. 

Claim # XXXX
Consumer complaint received 2021-05-19
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)

The information in the attachments with no Creditors how can I legally pay for something or be obligated when I don't know who it is!? 
FRCA violations : see below and attachments :
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

hello. yesterday was the XXXX of XXXX I was sitting with my family when a gentleman knocked on my door hand to me an open package telling me there is a lawsuit against me for a certain amount. I was shocked cause I didnt know that I owed money to anyone or buy something I didnt pay. so, when i open the package and start reading though i do not understand everything about it. the little i understood seemed like there was a credit card open on my name which I know nothing about and being used and now I am being prosecuted to paid off. 
I remember on XX/XX/2019 I was forced to purchase a timeshare resort on XXXX, couple day after I call and keep calling to find someone to cancel it never reach someone to assist me. now they persecuted me to paid it off and threating me all of that messing up my credit. all of this are XXXX over my head. 
I literally was forced to purchased and being told later on if I am not interest on it i can always return it, or if I want to sell, them they will sale it for me, when I finally find someone to assist me on this case, I have been told I have to stick with it and make payment on it every month. i feel like my personal identity is in problem I am looking to help anywhere to help me get those people of my back. 

i wanted to upload more of the files but the webpage don't let me to, is there any other way to upload more files
Consumer complaint received 2020-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Since COVID I have been on credit card payment deferment. Equifax, XXXX  and XXXX have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (IN)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Consumer complaint received 2021-05-19
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 a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (FL)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.
Consumer complaint received 2020-08-29
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. (LA)

XXXX XXXX first reported a 30 late payment on my credit report to XXXX Equifax, and XXXX   on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. Equifax, XXXX, and XXXX  allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. Equifax then updated the account this month which caused my credit score to drop 51 points.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted XXXX XXXX XXXX 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (SC)

A collection debt appeared on my credit report that I had never heard of, or was never notified of the debt. My daughter had an outstanding XXXXXXXX XXXX XXXX account that was disputed but was never resolved. The only time that I had an association with XXXX XXXX XXXX was when I moved to South Carolina and the internet was with XXXX XXXX XXXX in XXXX. But I never missed a payment. I filed a Not Mine through XXXX XXXX but they said the debt was verfied. I request proof that this is my debt.