davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
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)

I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are not mine and are having a negative effect on my credit file and I would like them removed.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX 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 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I had some fraudulent activity on my report and everything has been resolved. I contacted Equifax on XX/XX/XXXX to remove the fraud alert. They haven't complied to this day. 

I requested again on XX/XX/XXXX to remove the fraud alert, yet they refuse to do so. 

On XX/XX/XXXX I again requested that they remove the fraud alert. They have still not complied. 

I sent a XXXX request to them on XX/XX/XXXX to remove the fraud alert, yet they have failed to do so. 

On XX/XX/XXXX, I sent my 5th request asking them to please remove the fraud alert from my credit report and the refuse to do so. 

On XX/XX/XXXX, I sent a 6th request. Can you guess what happened? If you said that they have refused to remove it you would be correct. 

I don't know what needs to happen and why they have refused to remove the fraud alert from my credit report. What is even worse is that they are allowing inquiries to be placed on my credit report, yet, they are not providing one so how does this work?
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST (HI)

I sent a wire transfer to Bank of the West in California for {$20000.00}. for a vacation which was a fraud. My Bank here in Hawaii XXXX XXXX XXXX XXXX sent the transfer. I was suspicious 2 days later and I called the bank of the West to report it as a scam. They responded that it would be reported. I notified my bank and they also notified the Bank of the West of the fraud. 
i have tried to notify all the people who can help. I sent a report to the FBI, the FTC, and the Fraud dept in the US government. 
i know after reading about the scams online that the people who receive money through this means are called mules. The scammers hire them and they open bank accounts to collect the money for them. 
The money was received and collected at Bank of the West in XXXX XXXX. 
According to my bank the account has been closed by XXXX XXXX and no money can be retrieved. I believe that the Bank of the West is responsible for this as they were notified within 48 hours that it was fraud.
Consumer complaint received 2016-05-18
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Cottonwood Financial Ltd. (TX)

I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BTH Management (MI)

Plaza Services is reporting a debt ( collection ) to the credit bureau in amount of XXXX on behalf of their client XXXX XXXX. Plaza services did not notify me of the debt nor, give me an opportunity to dispute or resolve debt before reporting to the credit bureau. I mailed a dispute correspondence to Plaza Services on XX/XX/2021. Also, I called XXXX Plaza Services on XX/XX/2021, and no one answered. I went to their website at https : //plazaservicesllc.com/, entered the account info and last 4 to access account information. When I entered the verifiable information, a message populated that no account could be located with the account number and last 4 of SSN that I provided. 

I would like to file a complaint because, I have disputed this account with the credit bureau, and some how the account has been validated as accurate through the bureau. However protocol according to the Fair Debt Collection Practices Act was not performed. Section 809. Validation of debts was violated by Plaza Services.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (CA)

There was an inquiry on my XXXX  credit report from XX/XX/2020, that was a result of identity theft. I discovered this during a review of my credit report. I called XXXX and they told me to contact the reporting company. I immediately put a freeze on my credit reports. I called Credco who made the inquiry and was told that the inquiry was from XXXX XXXX. I spoke to the dealership manager who told me about the applicant who applied for the credit. I verified my information and proved it was not me who applied for the credit. I spoke to Credco and was told to file a police report and a report with Identitytheft.gov. I did both of these and emailed them the reports asking them to remove the inquiry from my credit report. 

When I spoke to XXXX at Credco today, she told me that they now require me to send them a copy of my social security number, my driver 's license, and a copy of a utility bill. I told her that they never requested that information before and asked her if I sent them the additional documents if they would immediately remove the inquiry from my report and she was not able to guarantee me that they would. I told her that the information they are requesting is very sensitive and I do not feel comfortable releasing this information to a company that has not been authorized to receive this information and they could use it to further steal my identity now that they have a copy of my social security card, driver 's license, and utility bill. How can I be sure that they are not part of the identity theft scam? 

In essence, I told her that they are re-victimizing me by refusing to remove a fraudulent inquiry in spite of proof from a police report which they requested.
Consumer complaint received 2021-02-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Gold Star Finance, Inc. (TX)

The loan company that I have a loan with has contacted me numerous times during the day atleast 5 times and left me several voicemails. They need to stop calling me constantly I already told them to send it to collections and to stop calling me constantly but they keep doing it
Consumer complaint received 2018-06-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial (NJ)

They have violated my rights with harassing calls at my place of work, harassing calls to my family members and friends as well as threatening me on my personal phone. They call all of these places with the same threatening story that I am going to be served at my employer and sued for non payment if I don't pay them by a certain time that day. 

I have requested numerous times to have the information on this debt sent to me in writing so I may review the accuracy and legticmy of this debt. You refuse to give me an account number or any information on this debt. I am hung up on every time I make this request. I am also hung up on when I ask for their contact information. I was only able to get their company name and address by tracing one of the numbers they have called me from. 

They only say the original debt is XXXX XXXX but give no loan number or will not send me any written information on this debt. They say they are a law office hired to serve me on this debt.
Consumer complaint received 2021-02-03
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: DISCOVER BANK (GA)

I have had my identity stolen and I have contact the police and received a report and sent it to both Discover XXXX XXXX XXXXl. They will not accept that I am telling it's not of my doing and now I can't refinance my house and I am forced to put it up for sale
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

I was charged for items I did not order or receive. Amazon store card has been contacted many times but still show an outstanding balance. I reported the fraud and closed the card but I am still getting emails stating that I owe money.
Consumer complaint received 2018-06-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitall One sent an offer entitled " 360 Money Market ''. It offered an interest rate of 1.60 % APY with up to {$500.00} in bonus cash. The account is referred to as " 360 Money Market '' in five different places on the written offer. It also has a quote by a Money Market customer saying, " Great Interest rate, super easy website to navigate, easy to open, EASY TO MOVE MONEY ''.

When I went to a Capitall One Bank to open the account, I was told that it had to be a paperless account. Next, I was told there would be no way to designate a beneficiary until at least the end of the summer. When I asked if I would be able to write checks on it since it was entitled " MONEY MARKET '', I was told NO. I was further told that it is a savings account and NOT A MONEY MARKET!!!

To me, this is outright intentional deception.
Consumer complaint received 2021-02-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (HI)

I have been trying to do my best and try to work with my lender but all they do is give me the run around. I have provided documents to them on a timely manner and have resent several documents over and over again. They continue to advise that they don't have a clear image when I am looking at the document and it's a clear as can be. They now closed my review as of yesterday because of this and have to start all over again because someone in their department is just by passing my documents and not even reviewing them.
Consumer complaint received 2021-02-03
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. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patients ' authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX I requested an incoming ACH transfer to my joint Ally account that I hold with my wife. I failed to realize that the account I was pulling from was only in my wife 's name. Because I was logged in under my name, Ally rejected the transfer. They told me they would return the funds to the account we pulled from but as of this date they have failed to do so.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (WV)

I requested the IP addresses signed into my account since opening up they refuse to provide them stating its for security. Its my account. Im talking them them from my phone so Im curious as to why I can not see the past devices signed into my account. And why they refuse to give me that information due to discrepancies I had with XXXX XXXX  and XXXX XXXX current discrepancies I would appreciate a listing of the devices signed into my account
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I believe that your company has violated provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( regarding validation of debts ) and 15 U.S.C. 1692c ( regarding communication restrictions ).
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (MA)

I am the XXXX y/o single mother, homeowner, who co-signed private student loans for my XXXX children. They are XXXX & XXXX & neither can afford the monthly payments Sallie Mae wants. We were close to a resolution involving an affordable payback plan ( $ XXXX/month ) but then we " lost '' our Loan manager & now every time we call we are rerouted to another dead end situation where they want what we ca n't pay. The " special program '' seems to have vaporized. I do n't know what to do. I 'm worried they will come after my house, my only asset. I am more worried than the students. What recourse do I have to get Sallie Mae to work with us?
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

Like many individuals and families in the country, I have been struggling to make on time mortgage payments. This has been even more challenging during the COVID-19 pandemic.

My mortgage lender, mr. cooper, is offering a Pandemic Forbearance Plan with a key benefit being no late fees or penalties will be applied. 
I have requested of mr. cooper that I be allowed to enter the Plan retroactively for prior months in 2020 to have late fees and penalties removed for the months that I struggled to make the mortgage payments on time but made them nonetheless. 
I was advised by mr. cooper representatives that this is not allowed and they offered no other assistance. 
I am not aware that my request, albeit outside of the standard applicant request, is not allowed as mr. cooper has advised.

Is this denial of my request and their refusal to provide relief of any sort in compliance with the CARES Act?

The mr. cooper representative, in a final statement of insult, suggested that I should have known about the plan sooner.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

During three phone conversations, agent promised that the annual fee would be waived, first after spending at least {$1000.00} in three billing cylcles, which was done, second, that a credit would be on a future statement, third, the credit would appear on the next statement. In the fourth phone call, agent said, I was required to respond to an offer, but no offer was given via email. She would not credit the annual fee that was paid last XXXX.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (PA)

I took out a loan for a vacation. My trip got cancelled I was refunded everything except the hotel stay. From XXXX. I contacted them about as well as affirm. I was getting the run around with XXXX so I disputed the charge with affirm for the hotel stay. I never stay at the hotel but was still charged XXXX. Affirm sided with XXXX. And I was told that I'm responsible for a balance of $ XXXXeven tho I have proof I didn't stay there. They ignored my evidence and sided with XXXX. I feel like I was not treated fairly as a customer and I was unable to appeal affirm 's decision.so I'm stuck paying on a loan I repped benefits from.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-02
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I will call my lawyer ASAP!
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (IN)

This debt was paid in full, I continue to get daily calls from them. When I explain it was paid in full they say " we will close the account ''. I just spoke with a rep. who was again very rude, when I ask to speak with a supervisor she said " no problem 5 times '' and yes this should be recorded. When I spoke with the supervisor ( Mr. XXXX ) he said that someone was " dropping the ball '' in the office and not closing the account. I said that sounded like an internal problem and ask if I would continue to receive calls and he said " until it's closed. Every person I have spoken with there is very rude, also per the Company the messages were recorded. Dates of calls XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.
Consumer complaint received 2021-02-02
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. (MD)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Description of Issue : I am writing to express my concern about LexisNexis 's unlawful collection and maintenance of my personal information without my consent. Despite my repeated attempts to access my consumer report, LexisNexis has failed to provide it, instead requesting my driver 's license, which I believe is an unreasonable requirement. 
Unfair Practice : LexisNexis 's actions violate the Fair Credit Reporting Act ( FCRA ), which prohibits consumer reporting agencies from collecting and maintaining personal information without a permissible purpose ( 15 U.S.C. 1681b ). I never authorized LexisNexis to collect or maintain my information, and their request for my driver 's license to access my report is an unlawful attempt to obtain consent.

Privacy Concerns : LexisNexis 's actions also raise significant privacy concerns. By collecting and maintaining my personal information without consent, they have violated my right to privacy under the Fourth Amendment. Furthermore, their request for my driver 's license could lead to identity theft and other fraudulent activities. 
Supporting Laws and Regulations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Fourth Amendment, U.S. Constitution General Data Protection Regulation ( GDPR ), Article 17 ( right to erasure )
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (FL)

I contacted the following companies regarding the unauthorized inquiries that are currently being reported on my credit report and asked for them to be removed. According to the FCRA these unauthorized and unverified accounts must be removed. They denied my request and ended the call.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On each one of these times, I have reached out to WFDS letting them know that there is an authorized late payment on my closed account. I do not approve of this late payment and I had a really good payment history on this closed account. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact, exist.