davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

Starting XX/XX/XXXX, up to XX/XX/XXXX, I have been attempting to contact Midland Funding about two erroneous credit card debts which I am unaware of to try to get the issues rectified. Prior, I never received a method of verification from Midland Funding, giving me a chance to respond within the 30 day period, and the debt agency inserted both collections on my credit reports. I never experienced collections on my reports. 
I have attempted to call, Midland Funding representatives are not customer centric, I have sent certified mail with return receipts, proving to me letters were received and signed for ; but still no response. Although it is not my debt, I have even attempted on two separate occasions, sent first class mail settlement letters starting XX/XX/XXXX. As of today, XX/XX/XXXX Midland Funding still has not contacted me and the collection debt is a burden on me. I can't gain credit or be credible with these two derogatory marks on my reports. Midland Funding has not proven to me debt is mine, nor do the agency have signed legally binding contract for me, all I am getting is a computerized billed statement and a mark on my credit reports. There are so many violations from Midland Funding pursuant to state laws and FCRA laws and Midland Funding is not trying to resolve this issue. Please help me.
Consumer complaint received 2022-12-02
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: Rocket Mortgage, LLC (MD)

HARD INQUIRY ISSUES. 
I was shopping to refinance my XXXX in XX/XX/XXXX, and ROCKET MORTGAGE. was the projected lender which it is not actually. They run my credit through a 3rd company XXXX XXXX, this company run 2 additional times without my consent. The first time when a ROCKET MORTGAGE lender representative and I agree to estimate the refinance cost which I can see in my credit report back on XX/XX/XXXX ; the second time my credit report was pulled again ( XX/XX/XXXX ) when they transferred me to a second representative from ROCKET MORTGAGE and seems this representative without my consent restarted over and told me that I didn't qualify and needed more extra income to qualify They ask me for my wife 's credit and she consented, she talked to them and They told me will add to the estimated projected refinance. This representative not just give me a high estimate and pulled my wife 's credit report but also mine for 3rd time on XX/XX/XXXX which I consider unnecessary and against my credit behavior I didn't want and deserve to be treated in that way, fortunately, we walk away from this company and I qualified for other Mortgage company all by myself and my wife 's credit wasn't needed. I talked to XXXX XXXX XXXX XXXX XXXX XXXX ROCKET MORTGAGE and she didn't consider an error, short and not helpful Phone number is XXXX fax number is XXXX.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I found out about a fraud attempt on my account I called USAA about it to report it before it happened, they then froze my account and said it would be closed in 60 Days, XXXX XX/XX/2022, I called them on XXXX XXXX to close the account and have the money sent to my home address they refused stating that the investagtion would restart on XXXX XX/XX/2022. Been with this bank for over 30 years and they treat me like a criminal. Shameful, behavior for a so called military organzation. I served 20 Years in the XXXX XXXX XXXX 6 times and I'm treated this way, dispicabale!
Consumer complaint received 2022-07-16
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. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-07-16
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: CLGF Holdco 1, LLC (VA)

On XX/XX/2022, I had received a robo call from Genesis FS card. I had ignored the call by not answering it or acting on it because I did not open an account with Genesis FS card. I received an alert from XXXX XXXX about an account that was a new card opened. I discovered that Genesis FS card had an open account with a credit limit of XXXX. There was XXXX balance on the account. It was treated as a new account that opened on XX/XX/XXXX. 2022. I did open a new account through XXXX XXXX services with XXXX with a credit limit of XXXX. I never authorized any account with Genesis FS card. I had called their consumer account number XXXX to close the account on XX/XX/2022. It required me to validate my account with my last 4 digits of my social security card. There was no option to close an account via the menu and required me to contact them during business hours XXXX XXXX time. I have disputed this account with XXXX today. When I filed my dispute with XXXX, the number that I called for Genesis FS card did not require me to enter my last 4 digits of social security number. My concern is now that my action to make sure that the account is closed and purchases can not be charged to it may appear as if I had authorized the account electronically when I have never authorize opening this account. I believe this is a potential issue with XXXX XXXX allow session cookies being reused to open this account.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had bank of America around 2017. There was fraud activity that occurred and the suddenly closed my account. I contacted them they said I owed them a XXXX XXXX dollars. I disputed it on my credit report it went from a XXXX  XXXX down to XXXX. But they still said it was fraud. I called XXXX XXXX and they sent what they had to me. I then contacted them because I went to my local police station to file paperwork on fraud and is willing to prosecute I needed more details from bank of America. The fraud department told me I wasn't in their fraud system. Then the division that closed account couldn't give me time of incident where it took place nothing for me to file this police report. They was supposed to send me what they have and I have yet to receive it in the mail. Then I was advised from XXXX  since I can't file a police report to file a consumer complaint against them
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (MI)

Security Credit Services added a debit that is pass the statue of limitations. It appears they purchased my debt from tempoe/why not lease it which had the debt on my report for 7 years then it was removed. Security credit service added it back and when i try to contact them i dont get any response. They are not the original owner of the collection. They also list payments that was never made. They said i made a payment of {$220.00} but i have not aid anything. The original amount was {$1300.00} and that is the current balance so that shows no payments was made. Also they are making false statments about me being late when i didnt even know anything about them having the collection or that i was supposed to make a payment so how can it be late.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

On XX/XX/2022, I used my Citi Costco Credit card to purchase 4 airline tickets to XXXX for a family vacation for {$4900.00} from online website XXXX. Immediately I got a fraud alert text asking if I made the transaction. Text 1 for yes, text 2 for no. I texted 1 for yes. Then i received another text saying transaction was denied and to call Citi. I called Citi and told them it was a valid charge but was told that once declined, I would have to rebook my tickets. The charges will not go through. Customer service told me they will let a one time large purchase go through and advised me to rebook. So I rebooked my tickets a second time with online website XXXX  for {$4100.00}. The difference was the Covid insurance I decided not to purchase. The two online websites were of the same company as I found out later. I received confirmation email from both websites ( for 8 tickets ) the NEXT DAY. I immediately called Citi and told them what happened. Customer service advised me that the first declined charges were resubmitted 5 times after the original refusal by Citi. I also called XXXX  to ask them how the charges were able to go through. I didnt get very far with the XXXX  customer service. He told me if I want to cancel the tickets Id have to pay {$580.00}. Then I called Citi Customer service whom suggested i open a dispute. So I opened a dispute. This has gone back and forth since then. First on XXXX Citi found that I was responsible for the entire amount they sent me a huge packet of paper asking me to explain whether merchants cancellation policy was explained to me at time of booking and to provide documentation etc. I called Citi many many time to say it was online booking and I only received my confirmation email from XXXX This dispute have gone back and forth since. Originally this was labeled as cancellation in the dispute but then changed to duplicate order. Citi bank settled with the merchant. I am to pay {$2200.00}. I have called at least 6-7 times and each time with a different person. The last senior account manager, XXXX, told me theres nothing Citi can do for me. It is between the merchant and I. He agreed that this was fraud on part of XXXX  but said Citi did everything correctly. He offered me {$170.00} to settle everything. I am exhausted at this point they have wore me down and i agreed. Except I get an email later saying dispute is resolved and {$74.00} is credited to my account. I am beyond believe and angry and would like you to help me get ALL my money back. Citi has not done its job in protecting me and tried to cover their mistakes. I did exactly what Citi asked me to do rebooking and I am stuck with {$2200.00}.
Consumer complaint received 2022-07-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (MO)

Pre-approved live check came in the mail XX/XX/2022 from Tower Loan-System. A soft inquiry was done for pre-approved live check before sent to me. 2 hard inquiries were later done in XX/XX/2022 and XX/XX/2022 placing them 32 days apart. I was not notified nor did I agree to these inquiries nor did I apply for a new line of credit. The creditor is using hard inquiries to bully me into paying the debt. The inquiries have had adverse action on my credit. I lost my eligibility for a rental application ( housing ) due to this. I am head of household with XXXX infants under 12 months.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

On XX/XX/2022 my checking account was hacked by a man that represented himself as being a XXXX support representative, I was having problems logging in to my XXXX  account, a qr code come up in the screen as I was logging in, the moment I scanned the code with my phone I received a phone call from the man described above, he asked me to log on to my XXXX account and he could help me log in, I did exactly that, it was at that moment he literally took over my phone, had access to my XXXX account that was also linked to my XXXX account thru my US bank , he did 3 transactions back to back totally XXXX, he used my name however he changed the phone number to his, I immediately called US Bank and reported it as fraud and closed out my checking account, after 3 wks US Bank denied my fraud complaint because they said I authorized it and it was my loss. I have requested the paperwork they used to make a determination of denial, I have yet to receive that, and the merchant letters that was supposed to go out to 2 of my debtors explaining why their debts was returned, after 6 wks they still have not received it and each time I call the fraud department I am given the go around and told the letters have been sent, I contact my debtors personally and each of them have told me they have not received them. My bank refuses to give me the information I need to fight this, they also continue to tell me this was my fault and there was nothing they can do because XXXX is automatically sent and because the hacker used my name as the recipient it is my loss. I thought that we was protected under certain laws if this happened? Apparently not, I have also filed a complaint with the XXXX XXXX XXXX and haven't heard from them either. This XXXX XXXX  up my life and took XXXX from me and I am being told I can't do anything about it, can you please help and give me some guidance?
Consumer complaint received 2022-07-16
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. (IL)

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance {$740.00} ; XXXX, XXXX XXXX XXXX Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX  XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-16
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. (GA)

ive submitted several police reports due to being a victim of identity theft since 2019 ive submitted ftc reports ive also recently gone to the attorney general all in regard to expressing my federally protected consumer rights in which transunion has refused to honor there are several fraudulent inquiries on my credit report in which all information reported must be accurate per fcra section 609 this violates 15usc 1681 and 1692g as of immidiate im pursuing legal compensation from the credit reporting agency for these violations and this will serve as record of my several attempts to rectify this matter
Consumer complaint received 2022-07-16
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. (CT)

This is my 15th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items listed need to be disputed : XXXX XXXX XXXX  XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-07-16
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. (CT)

I sent a complaint requesting that Credit Bureaus will reinvestigate the disputed Account XXXX XXXX Balance Owed : {$940.00} from my credit report as well as update this Account from my report during the investigation period. As of this date, Credit Bureaus have failed to respond to my request. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range.
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-16
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. (FL)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX