davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-21
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Plastiq Inc. (MD)

Plastiq is a payment processor that charged my card the full payment of {$720.00} and a service charge of {$10.00} on XX/XX/2021, but failed to deliver the payment to the payee which was due on XX/XX/2021. 10 days after the due date, when I contacted Plastiq regarding this payment, I found out that Plastiq made an error in payment account number. I asked Plastiq to refund the payment back to me, but Plastiq refused to comply with my request and advised me to fix their error with the payee on my own. I believe Plastiq failed the fundamental purpose of a payment processing company which is to deliver timely payments to payees without errors.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I have a Citi XXXX XXXX card ( ending in XXXX XXXX which I no longer use. I'd called to request that the card be cancelled months ago only to learn in XXXX it was not. There was a balance from a forgotten recurrent charge ( one no longer charged to the card ) so I paid the balance in full on XX/XX/2021 and closed the account and cancelled the card. I had a {$0.00} balance as of that day. I called and had the card cancelled and the account closed. 

Despite carrying a {$0.00} balance, closing the card and cancelling the account, I was charged a {$2.00} interest charge and a {$40.00} late fee XX/XX/2021. 

I was unaware that there was anything to be paid on the card as I had not used it in months and carried, to my knowledge, a {$0.00} balance. 

I was charged another {$.00} interest charge and another {$40.00} late fee on XX/XX/2021. I currently have a balance of XXXX on a closed account with no charges and a {$0.00} charge balance. 

I called Citi to resolve the issue on XX/XX/2021. The representative I spoke to did not resolve the matter then either the call dropped or the representative disconnected. These charges seem predatory. I don't know what further action I could have taken to avoid these fees. As it was, the balance was {$0.00} and the account and card were closed. 

Thank you for your assistance. 

XXXX, XXXX
Consumer complaint received 2021-02-24
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: AES/PHEAA (CT)

Latest dispute date : XX/XX/21 and results on XXXX account has been disputed several times ; the disputes are investigated with results stating that information is accurate and that Ive agreed to these terms. That is incorrect, I do not agree. All other student loans I had between XXXX were closed. This is the only one that keeps XXXX  me. Furthermore, the government has forgiven student loans ; During the pandemic, the government has stopped payments ( including interest ) on student loans till XX/XX/21. Please have this investigated and removed from my name. Thank you.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (CA)

A balance is reporting on my Loan Depot account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Loan Depot and they have failed to correct it.
Consumer complaint received 2022-06-21
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Consumer complaint received 2021-02-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: U.S. BANCORP (IL)

On a XX/XX/2021 @ XXXX XXXX, sir-mam I had got a phone call a robocall from an US bank from the phone number XXXX, concerning financial issues and I XXXX XXXX XXXX accepted an offer that was made by acts of the US Bank, my acceptance of the offer was hereby approved do the officials of US Bank agree or disagree with such an act of the US Bank. In addition the depositing of such funds hereinto my bank account no., is still in progress do the US Bank officials agree or disagree with the process as the funds are being deposited, thereinto my Bank account. In addition, sir-mam myself XXXX XXXX XXXX had an agreement for therein US Bank for a financial assistance as a consumer from acts of the US Bank sir-mam do you as an official for an US bank agree or disagree. You sir-mam as a US bank official must hereby respond hereto the cause or matter for the hereinabove within a 72 hrs. time frame thereafter receiving this legal notice do you agree or disagree. Your response hereto this cause or matter, concerning the hereinabove must hereby officially be within a written statement concerning the hereabove cause or matter do you agree or disagree. Also if you sir-mam do not respond hereto this legal notice, sir-mam you can and will hereby ruled within a default and therefrom that default proceeding ( s ) will hereby begin do you agree or disagree. Therefrom your written statement must hereby officially be delivered to myself, as a service hereto myself an XXXX XXXX XXXX, hereat this email-address XXXX. In addition this is a non-litigation notification.
Consumer complaint received 2021-02-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MO)

XX/XX/XXXX Quicken loans employees said my escrow account payment short XXXX. Quicken loans employees stole XXXX. Property tax bill for XX/XX/XXXX. Quicken loans employees stole money from escrow account during months XX/XX/XXXX XXXX ; ; XX/XX/XXXX XXXX ; ; XX/XX/XXXX XXXX and XX/XX/XXXX XXXX will be what I was told they will take. I paid first time mortgage payment for escrow account XXXX mortgage payment is XXXX new payment mortgage payment due XX/XX/XXXX XXXX. Quicken loans employees stole since XX/XX/XXXX. How do I owe XXXX.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

Collection Opened : XX/XX/2021 ; Alleged Debt Collector : TRANSWORLD SYS INC/51 ; Account # : XXXX ; Alleged Debt Amount : {$1100.00} ; XXXX, XXXX and XXXX hav All Violated my Federal Protected Consumer Rights ; I have Proof of a Medical Violation they reported on my Consumer Credit Report ; XXXX, XXXX and XXXX are currently in violation of 15 USC 1681 ( 3 ) - Restriction on sharing of medical information and 15 USC 1681b ( 4 ) - Limitation on redisclosure of medical information. I have written to them several times since XX/XX/2021 and they are still reporting this Medical Violation on my Consumer Credit Report. I have requested several times through written and verbal instructions to remove this alleged debt collector from my consumer credit report as the alleged debt collector also obtained my personal information illegally which is also considered Identity Theft outlined specifically in 15 USC 1681a ( 3 ) Identity Theft. It has been over ( 45 ) days, where I am demanding XXXX, XXXX and XXXX to delete & remove this alleged debt collector/collection immediately from my consumer credit report as I have never signed any agreement and/or contract
Consumer complaint received 2022-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP (MD)

US Bank is the lienholder of my car loan. For the better part of a year, US Bank has refused to deliver the title to my car to the state I relocated to. I have been in regular email communication on this matter and have already submitted a complaint that was " answered '' but not resolved. I received a citation for expired tags because I am unable to register my car with the state-to-state title transfer. My car payments have not stopped but my ability to sell my car or legally drive has been interfered with by the business practices of US Bank. US Bank has a system of communication that prevents any meaningful attempts at problem-solving. Employees are only allowed to send a set number of form emails and can not actually problem-solve for customers. After you have been writing to US Bank for more than 90 days, the email you have been corresponding with expires and your only choice is to start over.
Consumer complaint received 2021-02-24
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: Lending Club Corp (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, 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. (FL)

This dispute is in regards to a XXXX XXXX XXXXXXXX account that is currently reporting on my credit report. 
I am disputing the fact that Equifax is reporting on my credit report that the last payment made on the XXXX XXXX XXXXXXXX account was done on XX/XX/XXXX. THIS IS FALSE. 
ON my equifax credit report it says that in XXXX of XXXX I was 120 days delinquent on this account but there is no payment information after that for the periods of XX/XX/XXXX to XX/XX/XXXX. IF they had the payment information for XX/XX/XXXX to XX/XX/XXXX then they would clearly see that this account never went into a charged off status. 
According to the FAIR CREDIT REPORTING ACT if an account is incomplete then the credit bureau should delete this item from the credit report. There is no account payment information for the period of XX/XX/XXXX to XX/XX/XXXX and there is no account payment information for the period of XX/XX/XXXX and now. This means that the account is incomplete and according to the Fair Credit Reporting Act should be deleted from my credit report. On the credit report it states that it is a paid charged off but this information is not reflected in the account and payment info section of the credit report.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

Sent in a letter last year to cancel all cards with Capital One, my online banking was disabled and since I could no longer make payments online, I wanted to be rid of these. My XXXX  XXXX XXXX card gives me a free FICO score every month. I checked it and found it had dropped dramatically, just about 100 points. 

I ran my own credit and found that Capital One had charged one of those closed cards an annual fee, I had no idea, then they proceed to charge their own fee, late fees and report my 'missed payment ' to the credit reporting agency. 

You can look at my credit, I have no other late fees for years. Except another that the same bank did to me two years ago, that had inspired me to pay off and close these accounts. 

Capital One is not a company with any integrity or morality. never once did we receive a phone call for these 'missed payments ' I want them to fix their mistakes and assure me that those cards are CLOSED.
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (TX)

XXXX keeps calling as a debt collector Convergent Outside Debt Collector ( XXXX ). I have no debts in arrears. They have call multiple times each day as follows : XX/XX/XXXX @ XXXX XXXX and XXXX : XX/XX/XXXX @ XXXX XXXX ; XX/XX/XXXX @ XXXX XXXX and XXXX XXXX ; XX/XX/XXXX @ XXXX XXXX  ; XX/XX/XXXX @ XXXX XXXX and XXXX XXXX. These calls started on XX/XX/XXXX and are consistent. Nothing seems to stop the calls. 

Can you please assist me? Thank you. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2022-06-21
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. (IL)

The Credit Bureaus stated my account was properly investigated but how is that possible if the date open, the date of last active is inaccurate, the account number is inaccurate, and the account balance is not accurate. This is ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Benjamin Chaise & Associates (GA)

Company continually calls me trying to collect a debt I don't owe. Told them that if they felt I owed the money to take me to court, This last time I spoke to a gentleman that said his name was XXXX XXXX with Benjamin Chaise and Associates, XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX. I was very clear to ask not to call me again about this debt and he has called me again. I told him that I would report his calls to the appropriate authorities and now I am. The first time I spoke to him he was very rude.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

Pro Collect, Inc out of XXXX Texas listed a collection that I knew nothing about and is not mine. {$2700.00} on XX/XX/XXXX. They have my social security number and can't or won't explain where they got it from. I talked with them on XX/XX/XXXX about this issue. They're not telling me who submitted this information to them so I'm not able to contact the creditor to dispute .t. I disputed it to all 3 credit bureaus and XXXX was the only on that didn't remove it from my file. They stated that Pro Collect Inc said the information was correct. I know nothing about this.
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenderfi, Inc. (TX)

I started out wanting to refinance my home with a cash out refi. I found LenderFi online through XXXX. Initial estimates from the company ( XX/XX/2018 ) said that I could get a 4.5 % interest rate on a 15 year mortgage, and we estimated our home to be worth about {$230000.00} based on county tax records. 

My first red flag was when they told me my credit score was 30ish points lower than any other site was telling me. They told me that was normal, and they tend to fluctuate. Ok, I can buy that ... who understands how those scores are generated anyways. 

The second red flag was when the appraisal ( XX/XX/2018 ) came back with a value of {$190000.00}. The Appraiser, from XXXX XXXX XXXX, did not count all the square footage of my above-grade GLA. I brought this to the lenders attention XX/XX/2018 via email. 

The third red flag was when the closing disclosure document had an interest rate of 5.25 % ( XX/XX/2018 ). I was then further pressured to sign the document so that they could proceed with processing. I am not about to sign a document with numbers on that I don't agree with or understand. I'm not THAT stupid. 

( XX/XX/2018 ) I called and spoke with the lender rep, who was very kind and understanding, and explained that because the home didn't appraise for more, they had to charge me more interest. I then asked him to please ask the appraiser why he didn't include my entire GLA on his appraisal report as this seems to be the root of problem. He said he would look into it and get back with me. 

My husband and I have tried to call the lender and I have tried to email them several times and I have not heard back from the lender since. During our final conversation I stated that I either wanted a fair appraisal, or my money back for the appraisal so that we could go to someone more competent for a fair appraisal. 

I am out {$500.00} ( appraisal fee ) and am now starting the process over with my trusted XXXX XXXX Rep with whom I have a long-term relationship.