davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (CA)

The company XXXX XXXX XXXX XXXX is reporting me for a debt of {$2900.00} that I owe them. I have never bought anything with them. someone is doing it with my information, so I request that an investigation process be opened. The company has not taken basic measures to prevent this fraud. such as photo identification and verification.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (CA)

I tried to do online transfer on the Citibank website but I was told the information below. 

We cant let you access the application because some of your information duplicates another registered customer. Call XXXX for help. 

I don't know what is going on and why suddenly the online transfer to external banks does not work for me at the moment, and neither do I really care at the moment because I am closing the account soon, and I can write a check to get the funds transferred properly. The annoying fact is that Citi website does not allow me to delete my external bank accounts stored in Citi. 

The California Consumer Privacy Act ( CCPA ) states the following. 

If you are a California resident, you may ask businesses to disclose what personal information they have about you and what they do with that information, to delete your personal information and not to sell your personal information. You also have the right to be notified, before or at the point businesses collect your personal information, of the types of personal information they are collecting and what they may do with that information. Generally, businesses can not discriminate against you for exercising your rights under the CCPA. Businesses can not make you waive these rights, and any contract provision that says you waive these rights is unenforceable. 

You may request that businesses delete personal information they collected from you and to tell their service providers to do the same. However, there are many exceptions that allow businesses to keep your personal information. 


So I am writing to ask Citibank to delete my external bank account information for funds transfer purpose and let me know what is remaining on the external bank info. 

Also, I am not able to remove the recurring payment {$20.00} on XXXX of each month from the online website and chat with representatives on the website did not help, so I am also asking Citibank to delete this recurring payment.
Consumer complaint received 2022-03-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-10-24
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. (AZ)

Equifax is reporting a collection account that was supposed to be removed several years ago. I have requested a letter from the furnisher validating the debt. No response. I send the furnisher collection company copy of my insurance card no response. I sent Equifax credit reporting agency the letters and requested for them to remove the information they have refused. I also send the credit bureau that as of XX/XX/2022 any medical deragatory to include collections should be removed they refused. I respectfully request this entry is removed from my credit file immediately
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I consumer XXXX XXXX instructed EQUIFAX to delete and block inaccurate information and a XXXX  XXXX account on my consumer report. EQUIFAX does not have my written consent or a contract with myself the consumer to furnish my nonpublic information. EQUIFAX states that they conducted an investigative report but will not show the contents of investigation in which must include interviews with neighbors and friends of consumer in which still will be inaccurate if not coming from the consumer. EQUIFAX is in violation of the Fair Credit Reporting Act 15 U.S.C. 1681b ( A ) ( 2 ) Permissible Purposes, EQUIFAX must delete inaccurate account and information of XXXX  XXXX according to the written instructions of myself the consumer. EQUIFAX can not get accurate information from a creditor on a consumer according to the FCRA and the CFPB. EQUIFAX is causing myself the consumer financial injury and will be held federally liable. This inaccurate information is not equitable to the consumer and is not allowed to show factual information or transactional history between consumer and creditor.
Consumer complaint received 2022-03-18
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

LET ME START BY SAYING Loancare has the worst customer service ever!!! Just read the customer reviews or complaints online!!! I was hung up on and treated with disrespect. I was on the phone for hours on hold and explaining my issues, being transferred to escalation and repeating my issues and getting the same poor service. In a nutshell, my taxes got messed up with the county so my escrow was running short each month, I sent in my mortgage payments. They, however, keep saying I'm late and its in forbearance. It is not in forbearance I have made over XXXX timely payments of XXXX sense going out of forbearance!! So when I made XXXX payments of XXXX in XXXX month the e-checks had the month and dates on the e-check for the months the payments were due for. Loancare took XXXX of the XXXX dollar payments and put it in my escrow instead of making my monthly payment. Therefore making me late in the month of XX/XX/XXXX '. That e-check should not have been cashed for anything but what it was intended for, that being my mortgage payment!!! So as a result Loancare sent in a late payment status to my credit bureau bringing my credit score down over XXXX. This also was told to me by Loancare it would be removed and taken off my credit, it is not!!! Lastly Loancare knows I am trying to refinance my mortgage with another company and I feel they are not doing what they promised to myself to keep my mortgage with them. My last recourse will be to turn this over to my attorney XXXX XXXX Attorney At Law. I have all my bank statements to back me up for each and every payment I have made on time to Loancare!!! My bank statements will show I am correct and all this nonsense should be cleared up!! Thanks to all this I have lost the interest rate I had locked in and my application has expired for my refinance!! This in i'ts self will be a law suit. I would also like to add My mortgage payment is not even XXXX a month it is XXXX so I am over paying on it each month. The last XXXX persons that said they would fix the problems are XXXX ID # XXXX and XXXX XXXX ID # XXXX BOTH HAVE NEVER GOT BACK TO ME EITHER!!! SIGNED A VERY UPSET CUSTOMER AND I HIGHLY RECOMMEND CONSUMERS DO BUSINESS ELSEWHERE!!!! THIS COMPANY STINKS!!!!!!!
Consumer complaint received 2022-03-17
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (MA)

My name is XXXX XXXX and this is my second complaint about the same issue with you your organization and it seems like your organization is not helping no one. Last year I filed a complaint about how my mortgage company Gregory funding keeps increasing my mortgage payment keeps going up every year. I pay right now XXXX every month frond XXXX XXXX dollars a few years ago last year my mortgage increased by XXXX dollars and I complained to you guys and you guys did nothing. Just a few days ago just got a letter from my mortgage company telling me now I have to pay From XXXX to XXXX dollars something is seriously wrong i really need help of I will lose my home after 20 years.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

Hello, I have been a customer with Wells Fargo for quite some time but have never had to experience what I have in the last 2 months. On XX/XX/XXXX while I was in volleyball practice a person deposited a fake check into my account in XXXX XXXX for XXXX XXXX There were also 2 cash withdrawals of XXXX $ at an XXXX atm and food purchases in XXXX  at a place called XXXX XXXX XXXX for XXXX XXXX While at practice, I tried to change my password several times because I kept getting notifications for transactions I obviously was not doing. I reported fraud with Wells Fargo and went through the whole claims process. I was given a new card and account number etc.. However, it was super unprofessional and not done in a timely manner. I reported fraud and the reason that was put on my claim was " She couldn't remember making those transactions '' when I told the representative without a doubt, I did not deposit that check or buy anything in XXXX. I don't live there and don't spend any time there. My claim was denied and closed but nothing was told to me. I waited a little over 10 business days and called Wells Fargo back on XX/XX/XXXX to find that out and all the representatives could say was it was denied and that I made those transactions, or they were authorized by me so there was nothing else they could do. I was at a lost on what to do to get this taken care of. So, on XX/XX/XXXX I called Wells Fargo again to tell them the representative that filed my claim was not truthful in what she put. I was given an email to contact which was ( XXXX ) I wrote them an email but never received a response. I was left XXXX $ in the negative from something I did not do. My deposits are all getting eaten up because of this. I have no way to provide for myself.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (FL)

Rozlin Financial Group has reported on my credit report that I owe XXXX to XXXX XXXX XXXX XXXX. 

I have disputed the charges twice with XXXX, however XXXX states they have certified the information to be correct. I provided XXXX with the documents that Rozlin Financial Group provided to me which clearly shows payments being made to this alleged account. 

There are three issues that I have : 1. I have fulfilled my obligation with XXXX XXXX XXXX XXXX   years ago ( I only had an account one time ). 

2. How can you provide documents of payments being made, but then report 0 payments? 

3. Where is the contract that obligates me to these alleged new charges?

I have attached some of the documents that were sent to me. You may request they send you the same. One of the documents were drawn up as of XX/XX/2019. Company 's should not be able to fabricate documents that impacts people 's lives tremendously!
Consumer complaint received 2022-04-23
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. (FL)

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

These addresses don not belong on my credit report.
Consumer complaint received 2022-03-17
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)

In accordance with the Fair Credit Reporting Act, Everything has to be XXXX XXXX accurate on my credit report. 

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal. 

They violated my rights under the XXXX XXXX. XXXXXXXX XXXX XXXX XXXX states I have right to privacy. 
XXXX XXXX XXXX XXXX  XXXX also states that XXXX report agencies can not furnish my account without my permission. 

They also violated my XXXX rights. 
I had no knowledge or consent of my medical info being disclosed.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (ID)

Account info Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX Original creditor XXXX XXXX Balance history XX/XX/XXXX {$1300.00} Balance {$0.00} Schedule payment {$0.00} Paid Additional info The original amount of this account was {$1300.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Your statement Add a statement I never had any account with XXXX XXXX. They said the account came from an address in LA. Ive never lived in Louisiana. My credit history is flawless ( I used to be a lending officer so I know better ). I called them and they told me to call the police. I dont think the police here would handle this. My credit scores are Very Good with exception of XXXX. I filed complaint first that I never had address in Louisiana ( they took it off ) then that I never had an account wit XXXX. Ive always had XXXX in Idaho. They dont even have XXXX here. I pay off all my credit cards at the end of every month and my mortgage is excellent. 
Im baffled and very angry they can do this to someone given the facts.
Consumer complaint received 2022-12-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Veripro Solutions Inc. (NJ)

My Complaint is against Veripo Solutions, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and maybe XXXX XXXX XXXXXXXX XXXX and XXXX if they had anything to do with this fraudulent claim. On XX/XX/2022, I was advised by XXXX XXXX XXXX. XXXX that their records reflect that XXXX was the master servicer of the loan. The loan was transferred to XXXX XXXX XXXX XXXX XXXX XXXX ) however, due to the delinquent status of this account, the account was referred to Veripo Solution XXXX XXXX XXXX for handling. XXXX XXXX stated in her letter that they do not service the loan and no longer have a record of the account ; however, in efforts to assist me they reached out to Veripo Solutions. XXXX XXXX from XXXX XXXX stated that Veripo Solution informed her that the increase in the amount owed is due to no payments being made for several years. Veripo Solution is a debt collector not a residential mortgage lender in the state of New Jersey. Since Veripo Solution is a debt collector they do not have authority to hold, transfer/sell a mortgage note. Veripo Solution nor XXXX, XXXX can collect interest rate on a mortgage loan since they are not residential mortgage lenders in the state of New Jersey. XXXX, XXXX 's Complaint stated that XXXX, XXXX was in physical possession of the Note of Mortgage which was allegedly in default for over XXXX ( XXXX ) years. After I filed a Motion to Dismiss counsel for XXXX, XXXX stated that they did not realize that they were not in possession of the physical Note they allegedly bought from XXXX XXXX. However, XXXX XXXX XXXX as servicer does not have custodial responsibility, they did not have any authority per the trust instrument to sell, liquidate, and/or convert the NOTE for its own personal gain. The documents submitted to the Court on behalf of XXXX, XXXX have never been verified. I am sure that the documents have been altered and are fraudulent. This company is seeking a payment in the amount of {$120000.00} from a Note which was initially in the amount of {$59000.00}. Counsel for XXXX, XXXX has never provided any original copies or any " true copies '' of the documents they state in their alleged file regarding my property. I have been provided with copies of copies that are redacted and altered in some form. I check with the XXXX XXXX XXXX and Insurance and verified that Veripo Solution is not residential mortgage lender in the State of New Jersey. I have never been advised that Veripo Solution was involved in the transactions of the alleged transfer of the Mortgage loan with regard to my property.
Consumer complaint received 2022-01-10
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. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-09-13
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: CITIBANK, N.A. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : MACY'S/DSNB XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2022-02-05
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: MONEY SOURCE, INC., THE (PA)

This error on my report has cause me to go into a XXXX. I have spoken with several representatives and a supervisor regarding this matter. I was ensured that my credit would not be impacted.