davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I previously wrote to CFPB in reference to credit reporting. They made so made errors, they had me living in states I have never been in. Equifax is the worst. I wanted to temporarily unfreeze my credit report for a loan. They could not verify the information I gave them and would not unlock my report. I was reading the information from my online account. Which is outdated, items from 30+ years ago I could not remember for verification. Although I read the information from what was on line. They initially gave me a pin number, which they say they do not use anymore without telling the consumer. I gave them my address and social security number, etc and they could not verify me with that information. They also wanted me to send a photo of my drivers license, via my phone, which is absolutely insane, with so much info being tracked, etc. and scamming going on. Asking me about accounts that have been closed for 20 years. Nothing pertinent to verify my accounts in recent years. 
Spewing nonsense about how much did I pay a month, how many car loans, when was the last time I unfroze my account. Im not a computer, I either do not remember, and/or they have the wrong information that is not updated. I tried 3x and they would not unlock my freeze. Which has hurt my chances of getting a loan for a car, etc. To remember various account from years ago is ridiculous. They should go back and simplify their way of unfreezing your account, updating information and stop putting the REAL person through the ringer, like I am a criminal. Use more pertinent questions, and have people who understand the language better. I am livid and I am thinking about getting an attorney. I hope CFPB can help before I initiate that process. If they do this to me, they do and have done this to others. The first time I contacted CFPB was either XXXX. 
or XXXX 2021. Now it is XXXX 2021. Nothing has been accomplished.
Consumer complaint received 2021-08-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

I have recently obtained my consumer credit report and noticed illegal reporting of accounts are being reported. These accounts go against my rights pursuant to 15 USC 1681 and 15 USC 1692. By law any accounts reporting in fruad shall be according to 15 USC 1681c-2 and the mere reporting of these accounts have damaged my general reputation
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After attempting to remove hard inquiries from credit report I was given multiple phone numbers to call an attempt to repair a negative impact on my credit this resulted in the problem not being fixed. Was informed to call the credit bureaus, Trans Union and XXXX  to remove hard inquiries that appeared on my credit due to the fact that my credit was ran but never resulted in obtaining the product or service even though my credit was ran. Now months later the hard inquiries are impacting my credit and making it harder for me to get any products or services due to the hard inquiries. XXXX  and Trans Union refused to do anything and claim they can not help me. I have sat for multiple hours on the phone with both bureaus going in circles on how to fix this I was informed I could fix it to then call the number they provided to then be told I can not fix it. I would like the hard inquiries removed because they are preventing me to obtain an auto loan on my own achievements. The past hard inquiries that are shown on my credit currently were an attempt to get an auto loan intern I was never approved there for these hard inquiries on my credit doing nothing but impacting my score and making it harder for me to get a loan for anything.
Consumer complaint received 2021-08-27
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. (IL)

my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Elite Financial Services, Inc. (MO)

On XX/XX/21 Elite Financial Services , Inc called my ex-husband and discussed my debt with him based only off of his assurance that he was my spouse. 

This was not a debt he was connected to and I had not given the company permission to speak with him on my behalf.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AL)

I applied for a job on IXXXX  and the guy named XXXX XXXX emailed me referring he was from Indeed and was offering me the position. The job was for a personal chauffeur. He sent a check for me from his company, I looked it up to make sure that it was a real company in which it was. I took the check to the bank which is XXXX XXXX XXXX XXXX. I told the teller about the job and that I wasnt too sure about the check but I applied on Indeed for the job. She said they would hold it for 2 days to make sure it was verified. Next thing I know {$200.00} and {$3800.00} was coming out of my account from Cash App to someone named $ XXXX. XXXX   and I tried contacting cash app and they were no help at all. They just give you the run around. Bank account went into negative by $ XXXX. I had to file police report and get a XXXX
Consumer complaint received 2021-08-27
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 submitted a dispute letter back in XXXX XXXXfor some accounts that were on my consumer report that are fraudulent and I reported as Identity theft and I am the VICTIM of identity theft!! I'm still seeing these accounts and inquiries that should be marked as identity theft on here. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. I'm tired of you guys playing games with me just because I'm a young XXXX male does not mean I don't READ. And please do tell me you need to take another 60 days to correct this problem its already been 90. I expect this to be done within the 5 business days according to the LAW.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC (TX)

There was not a box to list for Debt collectors that COME TO YOUR HOME WEEKLY AND SAY THEY ARE WITH THE COURT.

Scott & Associates, PC- Have repeatedly had different people come to my home in very early morning hours, as well as late evenings. The people repeatedly ring the doorbell and knock on the door. They lie and say they are delivering package and have said I have been served as if they are an official government. The notice comes with a yellow paper that says " this can be resolved outside of court and contact us at XXXX. These collectors have come to my home 2-3 times a day in some cases. Today I was left a HUGE red folder taped to my front door along with the yellow paper. this has to stop This has been for myself and my husband as well
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

On Sunday XX/XX/XXXX at XXXX I sent {$400.00} via cash app to XXXX XXXX XXXX XXXX I then received a notification saying money was returned for my protection. When I looked in my account I did not see where the {$400.00} went back to my cash app so I looked a little bit into it and realize there was a hold on it and said it would be returned by Wednesday have emailed finding out why the money was returned or why there was a hold and have not heard back from cash app and now I get on and look to see about the hold and I can not find the hold anywhere and it is still yet to be deposited into my account I call the following number XXXX XXXX XXXX XXXX and it says they usually have anyone to answer calls but can contact them at cash app.support witch I have done and nobody has responded.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of identity theft these have been rough times for me and my family. We have just been able to move in our new home, they did a soft pull on my credit and revealed that I have unauthorized items that I shouldnt be responsible for
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

The collection company has add this collection account to my credit report 5 times. Each week they add a dollar to the balance and add it as a new collection and I have no knowledge of this account. Fraudulent activity is occurring with this company.
Consumer complaint received 2021-08-27
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. (IL)

I AM WHO I SAY I AM. NO ONE IS WRITING THIS FOR ME. I NOW KNOW MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. 
I CREATED and sent a certified letter to you that you were violating my rights as a federally protected consumer under Title 15 Chapter 41. I demanded that you delete the alleged accounts that I never gave you written instructions to furnish pursuant to 15 USC 1681b ( a ) ( 2 ). If so please produce a contract between you and I showing that I gave you permission to furnish this report. I also wrote in the certified letter that I am not requesting for you to start an investigative consumer report!! Yet, on XX/XX/21 you responded that you will start an " investigation ''? Let me remind you, pursuant to 15 USC 1681d ( d ) PROHIBITIONS : " A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. '' I DISTINCTIVELY SAID I WAS NOT REQUESTING AN INVESTIGATIVE CONSUMER REPORT AND I SURELY HAVE NEVER GAVE YOU CERTIFICATION TO DO SO. 
But if you so insist on doing an " investigation '' Congress defines what a Investigative Consumer Report is pursuant to 15 USC 1681a ( e ) : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER reported on or with others with whom he is acquainted or who may have knowledge concerning any items of information. HOWEVER, such information SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMER 'S CREDIT RECORD OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. '' YOU STATED IN YOUR RESPONSE ON XX/XX/21 THAT YOU WILL " NEED TO CONTACT THE DATA FURNISHER ''???!!! Well pursuant to 15 USC 1681a ( e ) that is a violation! 
Unless you are going to be interviewing my neighbors, friends and associates, your " investigation '' is null and void!!
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Credit Education Services (GA)

I signed up myself, mother and my father back in XXXX of 2021. XXXX the agent who signed us up decided he to use the same credit card to pay his cell phone bill. Speaking with the agent he stated he worked for XXXX XXXX which he was terminated for using a customer credit card to pay his personal bill and was charge and arrested for credit card fraud/abuse. Mr. XXXX XXXX shouldn't be working with credit cards! Therefore I cancelled my services with the company.
Consumer complaint received 2021-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (UT)

To whom it may concern : The Money Source has not been honest and fair dealing with Me.

They have given me the runaround for over three months now the Money Source is Advancing money to my account because of a mistake They made on their end the Money Source Approved Me on a forbearance program and had Me initiate My monthly payment over the phone I noticed that my Monthly Statements amount due was increasing double after making the payment when I called them to find out what was going on I was told by a supervisor that yes they were cashing the checks but someone forgot to put a code into the computer causing an automatic trigger to seek their Attorney and an inspection on My House to see if I was living there The Lady said she would l Take care of this when I got My next Statement from The Money Source they are now charging Me almost {$700.00} in Fees they said it was because of the code they forgot about & they would take care of it But now this Statement came and they are still charging me that Money They say Now its was from a Bankruptcy in XXXX  that was already paid for I HAVE Evidence OF Payment from that time with the court The Money Source have been Stressing Me out by not being honest and fair dealing with Me they are also Reporting to the credit Bauru 's that I'm Possible late they need to correct it
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (NY)

I took out a loan Acima through a third party for a set of rims for my car. A reoccurring payments were set up to take out {$88.00} out of my account for a 1yr lease which was started in XX/XX/2020. I was told I have the option to do a payoff in 90 days. I called Acima in XX/XX/2020 and made a {$300.00} payment. The sales associate told me we would set up where {$170.00} would be taken out my account weekly so I would be fully paid off by XX/XX/2020. I recieved a call in XX/XX/2020 saying they had been unable to take that months payment out my account. I had got a new debit card is the reason. I spoke to an associate and asked why they were trying to take out a payment when I should of been fully paid off in XXXX. They said that I never set up for that amount to be taken out weekly. I said to them at the point when i made the {$300.00} payment I was up to date on my payments and when i authorized for that amount to be taken out the account it was because I wanted to do the 90 day pay off. I spoke to another representative and was told that was never set up. I told them I was under the impression that it was, and that I shouldn't be penalized for it. They are saying I owe an additional {$2000.00} or I could do make a charge off payment of {$1000.00}. I asked how much were the rims they told me that before the 90 day pay off the rims were {$2000.00} I asked how much I have paid so far and they said I've payed {$2200.00} which exceeds the amount of the original 90 day cost. So I asked why should I pay {$2000.00} more or the {$1000.00} payoff if I've already paid so much? They said the representative didn't set it up so I would be paid off by XXXX. I said that's not my fault. It is hurting my credit to have this on there and I am in the process of buying a house for my family and this is putting a major burden on me.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I recently refinanced my home and have been having trouble with the originating mortgage company PHH Mortgage, providing accurate information regarding my loan payoff. I initiated this request on XX/XX/XXXX & barely received a payoff quote on XX/XX/XXXX. Aside from the runaround I received in getting an accurate quote due to a 'shared appreciation ' amount they said I owed due to a loan modification done in XXXX ( I also think there should be a limit as to when they can try to recoup any increase in property value ), they have now come back and said the quote was inaccurate & I owed an extra {$1000.00} for the cost of the appraisal they ordered, although the line item only states 'recoverable balance '. Several issues here, I was not told that I would have to pay for the appraisal when I initiated the request. I now have a copy of a letter they said was mailed to me, but was not received by me vial USPS, saying I could order the appraisal or valuation, or they would. I only received a call from an appraiser to do the work, which I assumed was just part of their process, again, not being in receipt of the original letter. Otherwise, I would have ordered my own appraisal. The letter also states that if the mortgage company orders the appraisal, I would have to pay for it and the cost would be 'up to {$520.00} '. I have also called to ask for a copy of the appraisal invoice and the mortgage company 'ca n't find it ' and said they would have to do research to locate it and send it to me. So, they are trying to charge me over the amount stated, they can't provide proof of the amount charged by the appraiser, and they are threatening to return funds for the original payoff until the full balance is paid. I believe this company to be deceitful in trying to gain more funds from me when they can't provide sufficient evidence. They are also attempting to gain more funds by returning the payoff monies, they can then start to charge additional interest. Aside from the additional money being requested, I have 12 different payoff letters from the company, most in different amounts, and so they can't even figure out how much the payoff is in the first place. I'm refusing to pay any additional balances and request this company be investigated.
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pollack & Rosen, P.A. (FL)

After receiving several harassing phone calls from Pollack and Rosen I sent them a debt validation letter on XX/XX/XXXX. I received a letter back from them ( attached ) dated XX/XX/XXXX. The letter simply states who the debt is to - not Pollack and Rosen - and they included a one page copy of a billing statement dated XX/XX/XXXX. This is not validation of debt and quite frankly is ridiculous to send.