davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-24
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: Experian Information Solutions Inc. (FL)

XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OH)

I received an offer letter to purchase a home refinance from Quicken Loans. Knowing that the standard practice is to specify any points required to buy down an interest rate with a specific credit score we allowed XXXX to inquire with the credit bureau. They respond stating that the pre qualified offer letter we received that says we can refinance at 3.5 % with a minimum credit score of XXXX was falsely advertised. A credit score of XXXX would require a purchase of XXXX points whifh the offer letter did not state. We met the LTV and debt to income requirements. 

In short, we were responding to an offer for a specific rate of interest on a refinance with the required minimum score and allowed a hit on our credit file based on the absence of any associated costs in the offer, we assumed standard closing costs etc. This offer leyter was a scam that costs our fragile credit rebuilding challenges a burden we did n't need.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

All XXXX credit bureaus, XXXX, Experian, and XXXX are reporting a state tax lien for me, dated XX/XX/2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.
Consumer complaint received 2021-11-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

To Whom It May Concern, On Wednesday XX/XX/2021 I became aware a medical bill had been sent to collections. During my visit to this medical location I provided my health insurance card to the employee that came by and asked for it, she didn't seem knowledgeable about insurance but took a picture of my card and all my information. A couple of days later I received another phone call from this medical center stating they needed my health insurance again, I provided my insurance policy number, the name of my insurance, and even googled my insurance 's phone number since they were for some reason unable to get a phone number themselves. I then called again once more myself to make sure they were going to file a claim and had my information correct, because my insurance stated they had not submitted a claim yet. During that call I once again provided my insurance policy number in addition to my insurance 's po box . 

I a county employee and therefore have insurance through my county, and have had insurance through my employer since XXXX.I am not sure if XXXX XXXXXXXX  was unable to submit a claim due to this happening closely to when COVID19 happened and California went into sheltering in place, but regardless I provided my health insurance 3 times. If they neglected to file an appropriate claim even though I had provided my insurance name, policy number, phone number and po box it is quite frankly neglect on them and there was no reason to send me to collections for it. It was inappropriate of them to send this to collections when I provided health insurance and had received no other letters to my home address regarding this. I only realized this had occurred because I saw this on my XXXX credit report. In addition my insurance states that since they neglected to file a claim within 90 days of seeing me it is no longer valid. Furthermore when I called the collections place they wanted me to sign a waiver so that they can still charge my insurance, even though my insurance said that is not allowed. 

I have contacted this Medical Center multiple times since seeing this on my credit report. They keep referring me to different departments all of which appearto have no one in office, making this situation extremely difficult. I have called and left messages and have not received a call back. This situation has wrongfully harmed my credit score as well as my mental health given all the XXXX and XXXX it is causing me since I am unable to reach anyone at this medical Center at all. 

I am glad to provide my health insurance information once more if that it was it takes for this to me deleted off my credit report.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

In accordance with section XXXX XXXX XXXX XXXX Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX by not later than 15 days after receiving a request from the consumer for that description. That is a DIRECT quote from the FCRA. I am complaining because for close to 3 months I have been asking for Validation from XXXX the furnisher and more importantly to me in this case the publisher of information ( the CRAs ) that concerns me and my credit health. I am asking for deletion of this information because they have not provided me with the furnisher of the information. It is NOT whom they are saying it is in there official response to me. ( The agency they are pointing me too as saying the verified it is saying that They do NOT REPORT to any credit reporting agency or anyone else for that matter. ) so why ca n't I know who is giving them the information??? I have been informed by Equifax agents ( on multiple occassions ) explaining that " as long as they say it 's verified it 's verified '' ... '' I am not allowed to know anything else '' ... What does XXXX mean??? And since they have never provided me any proof, why have they failed to delete it? Is Equifax XXXX above the Fair Credit Reporting Act? Section 611 ( 5 ) states Treatment of Inaccurate or Unverifiable Information XXXX XXXX XXXX In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( I have a recording of this entire event that happend on Tues XXXX of XXXX
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (TX)

Hello, I have made a wire transfer from the XXXX to XXXX of {$1500.00} through XXXX on XX/XX/2021. I sent it to my father 's account to support my family after I got a confirmation saying that the money was sent I checked with my father and got to know that he did not receive it. 

So, I contacted XXXX support ( on XX/XX/XXXX or XXXX ) to know the status of it and while checking the recipient details I came to know that I have missed a digit in the recipient account number. Then the support person asked me to change the recipient details and told me they would pull back the money and send it to the correct account. 

Today ( XX/XX/2021 ) I contacted them again to know about the status they were not sure and said that it depends if the bank is sending the money back to them they would be able to do the pullback. They are not giving me assurance so I am raising this complaint just in case to be on the safer side. 

I know I have made a mistake but it is still my money any fees deduction is fine but can not afford to lose all my money. 

Kindly help me with this issue since it is big money for me and my family. 

Thanks, XXXX
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

UWM incorrectly force placed insurance on my mortgage when they erroneously input the end date on my insurance as XX/XX/XXXX instead of XX/XX/XXXX. Because of that mistake, they force placed insurance of over $ XXXX backdated to XX/XX/XXXX. 

They had proof of insurance from my former insurer as well as my following year 's plan. I've called them XXXX times and spent over XXXX hours trying to explain to their customer service team the mistake they made. 

I tried to explain how non-sensical it was that my insurer would send them a non-renewal notice in XXXX of XXXX for XXXX of XXXX. Instead, they were notifying them of non-renewal in XX/XX/XXXX which is logical. 

No one at UWM questioned this or tried to fix the mistake. 

They made me call my previous insurer and confirm when my coverage ended, which was as expected XX/XX/XXXX My new insurance was effective XX/XX/XXXX. 

I've had the insurance company fax that as well to go over and above my requirements to provide proof of insurance. 

Meanwhile, UWM is not able to provide me the cancellation document or apparently locate it that states XX/XX/XXXX...
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Ive sent multiple letters and FTC Reports to XXXX XXXX XXXX and Experian. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
1. XXXX XXXX Acct # XXXX 2. XXXX XXXX Account # XXXX
Consumer complaint received 2023-01-04
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has all 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than record conviction of crimes which antedates report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) : States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-30
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. (TN)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On Experian it shows that the high balance is XXXX, the date of last activity is all different .Its stating on Experian the merchandise was taken back by XXXX XXXX, XXXX XXXX its a charge off as a bad debt, Experian is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
Consumer complaint received 2016-05-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

The debt was paid late by my insurance but it was due to the fact that the doctors office in question submitted the claim incorrectly multiple times. My insurance contacted the doctors office and let them know as well. I was in contact with my insurance the entire time. My original date of service was XX/XX/2015.There are XXXX entries for this XXXX date of service on my insurance site. The doctors office turned me over to a collection agency that wanted to hear nothing but when I was going to pay a bill I did not owe. They have since reported this on my credit and I am in the process of trying to buy a house.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Mar Joe Enterprises (TN)

I contacted CBC Collections to pay a debt and have these items removed from my credit report. I was told by XXXX that the company did not have the ability to remove items from the credit report. This statement is untrue. I was also not properly notified of this collection even though I had previous business relations with this company and they had my contact info. I learned of this collection when my report was pulled.
Consumer complaint received 2021-12-01
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: Experian Information Solutions Inc. (KY)

I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.
Consumer complaint received 2023-01-04
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. (OK)

In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 1.-XXXX XXXX  ACCOUNT # XXXX OPENED XXXX 2.-XXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX 3.- XXXX OPENED ACCOUNT # XXXX OPENED. XXXX 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 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (SC)

ALLY Date : XX/XX/XXXX Deficiency Amount : {$14000.00} RE : South Carolina Department of Consumer Affairs Compliant XXXX XXXX XXXX XXXX XXXX Executive Customer Relation , reported inaccurate billing information to the South Carolina Department of Consumer Affairs XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX clearly stated in 4 paragraphs a response letter to South Carolina of Consumer Affairs the XXXX XXXX XXXX, XXXX XXXX, was sold on XX/XX/XXXX, with the remaining balance due in the amount of {$14000.00}. In a letter addressed to me dated XX/XX/XXXX, the XXXX XXXX XXXX was not sold on XX/XX/XXXX. Therefore, the deficiency amount is inaccurate because Ally fails to provide financial statements and other documentation under the UCC at the South Carolina Secretary of State 's Office. In addition, the banks could not prove that the subject vehicle repossession was legal and in compliance with UCC Ally did not furnish any evidence when requested through a certified letter dated XX/XX/XXXX. 
As of today, Ally does not have Account.XXXX on file.
Consumer complaint received 2017-02-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (MO)

Prior to XX/XX/XXXX, I went inside a Region 's branch with my XXXX offer for opening a new account. The offer stated that I needed to make at least XXXX debit card transactions within 60 days of account opening and have e-statements to receive the promotional deposit. Since that time, I have sent and received dozens of messages through my online banking at Regions trying to confirm the promotion and that I have met the terms of the bonus. Multiple times I have been told by Regions that my account was registered for only a XXXX bonus that required direct deposit. I know this is not the case, and I have attached the pertinent account promotion page and opening document clearly showing my registered email address : XXXX as being signed up for the account.
Consumer complaint received 2021-11-30
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: Experian Information Solutions Inc. (IL)

On XX/XX/2021 XXXX added a derogatory mark on my credit report for {$3400.00} per XXXX XXXX and Experian. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection in the 30 days it was suppose to take. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine .According to the FCRA 623, XXXX has violated my rights and I'm requesting legal action to remove this account immediately. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX  XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX-XXXX XXXX  Account # XXXX, XXXX Account XXXX 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 a account without my written instructions
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-25
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. (TX)

I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. In my letters, I specified the accounts in question and outlined the violations being made against my consumer report. It has now been over 30 days, and I have not received a response. Attached are copies of all the letters I previously sent. 

This company has violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as " disputed. '' Additionally, FCRA 605 ( c ) has been violated, as the account is reporting the incorrect " date of last activity. '' It should reflect the last date a payment was made, not the date of the account 's last activity.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1000.00} XXXX  XXXX {$370.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX {$0.00} XXXX {$5800.00} XXXX XXXXXXXX {$11000.00} XXXX {$230.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1700.00} XXXX XXXXXXXX {$560.00} XXXX XXXX {$630.00} XXXX {$1000.00}