davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-25
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. (CO)

I am writing to formally dispute the information reported on my credit file. Despite multiple attempts to resolve these reporting issues, the inaccuracies remain unaddressed. I have enclosed a detailed description of the specific issues, along with the relevant violations of the Fair Credit Reporting Act ( FCRA ), METRO2, and the Code of Federal Regulations ( CFR ). 

I urge you to conduct a thorough investigation and rectify these inaccuracies promptly.
Consumer complaint received 2024-07-05
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: CITIBANK, N.A. (OH)

I am wanting the following inquires to be deleted because I did not authorize the following companies to run my credit. This is fraudulent due to identity theft. Down below I have uploaded a report of the two companies and the dates that the activities occurred. Thank you for all of your help.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

My Chime account has been suspended for over a year. Ive sent them all of the inforXXXX theyve asked for except for an updated license which I told them I dont have because theyre suspended and I dont have money to get a state id which I told them as well I have money in the account that they will not release either. Ive contacted them MULTIPLE of times and they just keep resending the email of the information they need. Its like theyre not even reading it.
Consumer complaint received 2024-05-25
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. (CA)

On XX/XX/year> while negotiating for a vehicle purchased I stated verbally several times that I declined for a dealership to run my credit. I explained several times that I already secured financing on my own through my bank and did not want them to run my credit at all because there is no need. I said do not want my credit and declined to give them my Social Security number. They ran my credit anyway and the inquiry is showing up on my credit reports as dated XX/XX/year> for credit report pulled by XXXX XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This is XXXX days after I signed paperwork for purchasing a vehiclewithout consent for running my credit. I never signed a notice of motor vehicle credit application so I dont understand the backhanded move to run my credit without my consent. I did sign a notice that all of the interactions inside their building are recorded including the several conversations that happened where I stated do not run my credit. Im submitting this complaint so this business starts to actually listen to their prospective customers and not just do whatever they want.
Consumer complaint received 2024-07-05
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: SYNCHRONY FINANCIAL (OH)

I am wanting the following inquires to be deleted because I did not authorize the following companies to run my credit. This is fraudulent due to identity theft. Down below I have uploaded a report of the two companies and the dates that the activities occurred. Thank you for all of your help.
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (VA)

Hello, I contacted Mr. Cooper about fraudulent escrow charges. Mr. Cooper lied about my taxes amount due and continually overcharged me the last XXXX years. I tried calling them and I can not reach a customer service rep by phone, because it says my account is paid in full. On XX/XX/XXXX, I was able to reach a rep in the chat and they would not answer my questions nor would the request an audit on my account. What tipped me off, they sent me a check for {$76.00} but stated my account was {$72.00} short. I asked the rep, why didn't you all take the extra funds and pay the shortage? They said, too late we can't do that. I've never heard of that, that's why I paid the extra to prevent a shortage. This made me think, Mr. Cooper stopped the city from sending me my tax statements, so I would not know how much my taxes were. The statements are going to them. I checked my taxes and lo and behold. I am being overcharged for escrow. I have proof and I have proof of the conversation.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (LA)

I am writing to formally lodge a complaint against LVNV Funding LLC regarding their handling of a debt collection matter concerning an alleged amount of {$680.00}. 

On XX/XX/XXXX, I received a notice from LVNV Funding LLC claiming that I owe {$680.00}. Prior to this notice, I had not received any communication or correspondence from LVNV Funding LLC regarding this debt. The notice provided no detailed breakdown of how this amount was calculated, nor did it specify the origin of the debt. 

Upon receiving the notice, I immediately took the following actions : Contacted LVNV Funding LLC : On XX/XX/XXXX, I contacted LVNV Funding LLC via phone to inquire about the debt. During this call, I requested additional information about the debt 's origin, including dates and amounts. The representative I spoke with was unable to provide specific details and could not clarify the nature of the debt beyond stating the total amount owed. 

Request for Validation : Per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of the debt in writing on XX/XX/XXXX. Despite this request, I have not received any documentation or proof that substantiates the validity of the debt from LVNV Funding LLC. 

Disputed the Debt : In accordance with the Fair Credit Reporting Act ( FCRA ), I disputed the debt with all major credit reporting agencies ( XXXX, XXXX, and XXXX ) on XX/XX/XXXX. As of today 's date, LVNV Funding LLC has not provided any documentation to these agencies to verify the debt. 

Ongoing Harassment : Despite my requests for verification and dispute of the debt, LVNV Funding LLC continues to send collection notices and make phone calls regarding the alleged debt. These actions are causing undue stress and are in violation of the FDCPA, which prohibits harassment or abuse in debt collection practices. 

I expect LVNV Funding LLC to provide the following actions to resolve this matter : -Provide detailed documentation that validates the existence and amount of the debt. 
-Cease all collection efforts until the debt is properly validated. 
-Refrain from reporting the debt to any credit reporting agency until the validation process is complete.

-I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if LVNV Funding LLC fails to address these concerns promptly and appropriately. 

Please acknowledge receipt of this complaint within 30 days and inform me of the steps LVNV Funding LLC intends to take to resolve this matter. Failure to do so will leave me no choice but to pursue all available legal remedies to protect my rights.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Exeter Finance, LLC. (KS)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : $ {$6000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

Had been receiving emails from Chime in my XXXX account which I had not opened and deleted. Today, I received a Chime " welcome to the Chime family '' debit XXXX card to our home address. I called to try to understand how this account was created and was not able to get an answer. The fraud line provided by Chime did not tell me if there are charges on the account. They sent me an email saying the " we regret to inform you that we have made the decision to end our relationship with you ''. When I said this is a wrong email and that the " Relationship '' was created without my authorization, they sent me a second email asking for my last 4 digits of SS # and proof of ID theft claim... 
I think this is a strange company, randomly opening accounts. I do not believe this is identity theft as I HAVE THE CARD in my hand and it came to MY ADDRESS. 
Please help me understand what next step is.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, Equifax and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$750.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I paid off my Lowes credit card balance to XXXX and the following month Lowes is charging me {$23.00} in fees and interest. My balance should be XXXX. How do I owe interest and fees on a XXXX balance? I have paid more in interest and fees in the past year than the amount I charged and borrowed which is XXXX. Now I am being charged fees and interest on a XXXX balance after I have paid my XXXX bill down to XXXX? These XXXX corporations are out of control.
Consumer complaint received 2023-02-13
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. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

My information is illegally being shared without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2024-07-11
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: Global Lending Services LLC (SC)

I am writing to file a complaint regarding multiple unauthorized inquiries on my credit report, all dated XX/XX/year> : GLOBAL LENDING SERVI XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX Despite numerous attempts to contact these companies for clarification and resolution, I have received no response. These inquiries were made without my knowledge or consent and have adversely affected my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), these companies are legally obligated to remove any inaccurate information from my report. Failure to comply can result in legal actions and penalties. 

I kindly request an investigation into these fraudulent inquiries and their immediate removal from my credit report. 

Thank you for your assistance.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness.

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CA)

My parents both passed away. I was on the Deed of trust NOT the note. I have been making the payments since before they died. Home owners in ( XXXX ) they cancelled me. I had calif fair plan then found XXXX XXXX. I had to jump through major hoops to get approved. Water meter, house painted pool filled!! The premium is {$4000.00} a year! However I have the house listed for sale! 
This was mid XXXX. My agent called me and said they were having an issue getting paid. They were told the payment was mailed. It was not! XXXX kept billing them and nothing! Now I get a letter from XXXX they are cancelling me XX/XX/XXXX! I called my mortgage co last wensday and the people running the escrow would not talk to me. They transfered me to a life event person. He said it was because I was not on the loan he could not give me any info. Meanwhile send deed, XXXX deed, death certs and he will process in the next 60 days! I told him that won't work, sent info and now I wait! I am absolutely terrified they are NOT going to pay it in time! I'm so angry no one will talk to me! My agent is NOW telling me that because it is on my name they can call the loan due!!!! I'm desperate and need help!