davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc. (CA)

On XX/XX/2022 I deposited two deposits into my account amounting in XXXX from a XXXX account, Upon contacting Moneylion about my debit card realizing my password was changed. 
And upon entering my account I realized an un identified number was attached I immediately contacted Moneylion on the XXXX of XXXX with my complaint and issue they informed me that my account was frozen due to unusual activity. 
I went and checked my statement and seen over 30 transactions going in and coming out of my checking account, when filing a dispute with moneylion on the XXXX of XXXX. I also seen other transactions in my account and when I went to check it I received a email from someone claiming they got my information from moneylion and they were contacting me so that the money they deposited into my account if I could it back to them, with concern I immediately contacted moneylion with this and also sent them the emails and they reassured me that the individual did not have access to my account so I asked them who moved money out of my account and was moving money on a XXXX  app in and out of my account they did not respond at that time I felt it was an inside job and I was right? They had the retention team investigate and they approved all my documents and moneylion was to release my balance to me and they have not done so. And the individual whom admitted in texted that I did not release to moneylion admits to doing transactions in my account and sending me XXXX and harassing emails of knowing my conversations that took place during phone conversations with moneylion and I also have the number the individual gave to me so that we could talk about how I would get there money out and they would allow me to keep half of what they deposited into my account. Also the individual also took out a loan amounting in I believe XXXX.
Consumer complaint received 2023-06-02
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. (NV)

I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.
Consumer complaint received 2022-06-30
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. 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/block any accounts listed on an id theft report. 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}. 


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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-29
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)

Hello my name is XXXX XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third party agency. Please see the following documentation and meet my requests in a timely fashion. Thank you for your timely compliance.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MN)

Received a Summons/Complaint from Midland Credit Management dated XX/XX/XXXX. Received no prior documentation/never heard of this company prior to getting this so was not able to properly verify/validate the debt. There was also no supporting XXXX  documentation attached to this summons/complaint proving their ownership and accurate balance, so was unable to properly decide what to do. Summons says {$1600.00}. 

Since there was no previous communication from Midland, went and pulled credit reports and found discrepancies reported on the balance due/past due balance and also dates of last active between the 3 bureaus, as well as the original creditor still being listed as the owner of the account, all of which are currently in dispute with the bureaus. 

Submitted a generic answer to the complaint XXXX XX/XX/XXXX XXXX stating there was not enough information to either admit or deny their claims, and included counterclaims for FCRA/FDCPA violations. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX law firm suing ) then sent only 12 months of statements from XX/XX/XXXX to XX/XX/XXXX when they state the account was opened in XXXX XXXX many were duplicates XXXX. The information on these statements directly contradicts the information being reported on the credit reports. 

Then sent letter back to them on XX/XX/XXXX telling them this partial list of statements was insufficient to prove their claims and asked how they were able to properly verify this information with so little documentation prior to suing? Also mentioned their responsibilities per the XXXX CFPB consent order and subsequent lawsuit in XXXX XXXX due to these business practices, and demanded that they dismiss their lawsuit since they still up until the date of this complaint have yet to file anything with the court. 

Then XXXX XXXX sent another letter on XX/XX/XXXX with a " settlement offer '' still without providing the required XXXX documents that were requested. Refuse to even consider/discuss settlement until this documentation is provided. 

On XX/XX/XXXX received a " discovery plan '' that is due within 14 days, still with nothing filed with the court. 

Received an answer to counterclaims on XX/XX/XXXX denying all of the counterclaims. 

This law firm XXXX and Midland are continuing to harass/intimidate and litigate this outside of the court room. Even though the written disclosures were not provided stating they will provide this XXXX documentation within 30 days, have requested this information multiple times from law firm XXXX and they continue to disregard this important request for documentation. 

Law firm XXXX are also aware that this is clearly in dispute with both Midland and the bureaus, and continue to disregard this information as well, and are continuing with a " lawsuit '' and collection efforts.
Consumer complaint received 2021-05-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (OH)

Hello, I currently went through a divorce and needed to refiance my house to take my ex off the loan/house. I went with current morgage compnay ( PHH ) because they offered a steamline and I thought that would be quick and easy, that was XX/XX/XXXX in XXXX they informed me that there wasnt enough history that I was paying the morgage myself after writing a letter and proving that it was I that had always paid the mortgage. 
So then they offered another route so we did that and I was denied. PHH Mortgage called me In XX/XX/XXXX offering me a FHA Loan that pretty much was a sure thing and after numerious request of info ( that was provided multiple times, but always requested cause it was always changing hands ) it is now XX/XX/XXXX and my refiancing is still up in limbo and now they are requesting more info that was answered and provided previously. 
I purchase a few houses and refianced in my time and even in todays world with COVID everyone tells me 30days to close but 45days worse case.I can go on and on with Apprasal XXXX up to Supervsor not calling after requesting to speak to one numerious times All I can say is Im not sure what they are doing but I never expeianced anything like this before
Consumer complaint received 2023-06-20
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)

In Accordance with the fair Credit Reporting act XXXX Account XXXX XXXX  XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 604 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2023-02-03
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. (FL)

XXXX XXXX XXXX, Has Failed to provide the following documents ; A wet inked contract with my signature on it. I have requested this document 5 times now and they have not sent into me. 

On the bill they attached to the CFPB complaint the address was incorrect and that address does not belong to me. 

Also, the amount that is showing on the bill is attached to the CFPB is showing an amount of {$230.00}, but on my credit report the amount is showing {$990.00} Per 15 U.S. Code 1679c - Disclosures, I have a right to dispute inaccurate information in your credit report.

This collection only shows up on Equifax and does not show up on my other 2 report. Which this is false and misleading information.

Nevertheless, it's against HIPAA laws to share information with 3rd party collection companies.
Consumer complaint received 2023-06-02
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX XXXX  You are in Direct Violation of the Fair Credit Report ( XXXX account # XXXX ), has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency XXXX  furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-05-25
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MEI AUTO FINANCE INC (TX)

In XXXX a coworker listed me as a reference for her car. I worked with her for maybe two-four months. I have told them since XXXX I dont not have any contract with her and remove me as a reference. They have continued to call. I have received four calls this year and I keep telling them to stop calling me. I have blocked every number they call from. They will not stop calling me, I do not know the lady to give them more information.
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2022 I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed .Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed .I demand that the following accounts be verified or removed immediately
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Just contacted today the mortgage and I received a payoff letter in this letter the mortgage is adding the escrow and insurance for the total amt of XXXX. My pay off mortgage should be only XXXX this is including all the fee this people charge. 

They want to charge me XXXX and I will be paying off the mortgage and therefore the XXXX should not be charge because mortgage will be payoff XXXX  XX/XX/XXXX via wire and yes I did sent the form signed for the escrow to be removed and they said they have not receive it
Consumer complaint received 2024-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-06-20
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)

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. 

Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (MA)

Hello. FNBO bank recently denied my request for a credit card based on their assessment that they could not " ... verify certain information ''. I contacted their credit department on Friday, XXXX XX/XX/2023 and spoke at length with XXXX who is a " Lead '' in that section and I asked what information I could provide to verify my application in order for it to proceed. After repeated requests for this data, she stated " ... that it is bank policy not to disclose such information ''. I asked which credit bureau they used and she responded " XXXX '' and suggested I contact them to review my report. I contacted XXXX by phone and was advised that there is no derogatory information of any kind on file with them. Further investigation on my part revealed that XXXX and XXXX had the exact same correct data and my XXXX score is good. XXXX further indicated that FNBO had not run any credit check on my file within the last ninety days which begs the question " Where did they get their data from? ". Any financial institution within the United States that refuses a person credit is required by law to state the reason ( s ) for such denial along with the bureau ( s ) that provided the report ( s ).

A reasonable person would therefore conclude that FNBO 's rationale for denying me credit is generic in nature and, in effect, denies me the right to correct any erroneous data they may ha
ve on file. To deny me such recourse is both arbitrary and capricious.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I opened an account with Bank of America XXXX  months ago. I deposited my check bc they told me that XXXX  days prior to me coming in they changed their rules not to mention I called before hand and they told me it was okay. Hmmmm now is this bc Im women once I came in???? Not sure! I then spoke either XXXX XXXX the market manager he assured me theres no issues my funds will be available tomorrow I said okay I trusted him seemingly that he was a market manager for this branch I then logged into n XXXX  account no funds their holding it for XXXX  days this makes no sense Im a single mom I work hard for my money XXXX  mortgage is due theres no way I should have been treated or mislead this way Im in a tight spot I need XXXX  money I will be closing my account I will also be filing a complaint with someone higher up were not in times to be takjj in h advantage if n Ive had enough!
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

On XXXX, I received a text message from Wells Fargo Bank alerting me to a potentially fraudulent charge on my account. I in turn logged into my online account, shut down my debit card and called my local bank to tell them I did not make the {$730.00} in charges. I was told the local branch could not help and to call the toll-free number. I did that and was severely questioned by the customer service representative, regarding my debit card purchases. Then I was given a claim number, and the representative hung up on me. I had to call back and speak to a claim representative, who assured me the bank would contact XXXX, to let the business know the charges made were fraudulent, and then, I was told that since the charges were not made by me, the charges would be reversed. That did not happen. 
On XXXX, when I called Wells Fargo back I was told that it was up to XXXX to choose to refund my money, and if they do not then, Wells Fargo would not refund the charges. I was made to feel like I was criminal by the way I was treated. 
I ended up contacting XXXX myself, and the business confirmed it appeared there was fraud, but they needed the bank 's confirmation. The XXXX representative asked me to have Wells Fargo contact them. 
I called the claim department again, and I was basically called a liar, and I was told it was not Wells Fargo 's job to let the business know about fraud. They admitted they did not contact XXXX and said they would leave it up to XXXX, even though it was a debit card. I asked why I was told different information on XXXX, and the woman named XXXX said the information from the other claim representative was just wrong, and the bank could not do anything to help me. It would be up to XXXX. 
At this point, I feel like I have been treated like a criminal and the bank has failed to protect my rights and my money.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (VA)

This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX, Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX  be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my XXXX and XXXX credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.