davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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: Hirshberg Acceptance Corporation (MN)

THE COMPANY XXXX XXXX XXXX CONTINUES TO INQUIRE INTO MY CREDIT FILE WITHOUT MY PERMISSION, UNAUTHORIZED ACCESSING MY CREDIT FILE CAUSING HARD INQUIRY. I BELIEVE THEY ARE STEALING MY PERSONAL INFORMATION FOR SELL. I HAVE PLACED NUMEROUS FRAUD ALERT ON MY CREDIT FILE, AND XXXX XXXX INQUIRES INTO MY CREDIT FILE EACH YEAR MY FRAUD ALERT EXPIRES.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (IN)

XXXX XXXX / Net Credit # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Has decide to leave delinquent on my credit report after filing XXXX XXXX XX/XX/2024 and it already discharged needs to reflect a XXXX balance and no XXXX XXXX  amount due
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

Without any prior communication or attempt to communicate, XXXX, XXXX, and XXXX XXXX has sued my wife and myself in our local XXXX XXXX XXXX XXXX XXXX  for the amount allegedly owed to New Jersey XXXX XXXX, XXXX for a pre-natal visit. However, this matter was in dispute between the service provider and our insurance provider at the time who noted that if the visit in question was coded as a " pre-natal visit '', it would be covered fully by insurance. At the time this occurred, the service provider, NJ perinatal, was refusing to change the coding and said it was a " preventative visit '', not a " pre-natal visit '' and that we had to pay the full amount. We had insurance call them and explain the situation and they refused to make any changes. They haven't said anything for over 3 years, and now out of nowhere, without any communication from either party, they have submitted a lawsuit without any proof or history around the coding mishaps on their end.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (MO)

15 USC 1 " Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. '' I have never contracted with or conducted ANY business with this company for them to have my personal information. This company has Not provided any concrete validation to either purported debt on my credit report outside of verbal confirmations while threatening and harming health and property. CFPB has failed to protect me as a consumer from identity theft, constructive fraud and financial extortion. 
I want to know : How did they get my personal information? 
Where is the contractual agreement I signed to be the surety for the purported liability?
Consumer complaint received 2024-05-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC (MD)

On XX/XX/year>, Rocket Mortgage sent final settlement paperwork to review and select a settlement date. When reviewing the closing costs, I asked why we were being charged {$3000.00} for a discount program. We contacted XXXX, our loan officer, who advised it was the price for our interest rate. I advised that rate buy downs were not discussed at any point during the process. We were advised on XX/XX/year>, by XXXX, that our rate would be 9 % and potentially lower if our appraisal reflects a lower LTV position. We were contacted by another representative on XX/XX/year> that our appraisal came back with a higher value than anticipated and qualified for a lower rate of 8.75 %. They offered to change the loan to increase the amount to borrower due to the higher value and more money available to lend. We declined and the representative stated that was fine, they would update the interest rate in our favor. During the disclosure email, it was listed as a rate discount for - {$3000.00} and it was assumed that was an actual discount due to the fact that no one in the mortgage process ever once disclosed a fee for lowering the rate. It was always presented and verbally stated that we qualified for the lower rate based on our outstanding credit scores, positive equity in the home and term of the loan. After speaking with XXXX over the final settlement costs reflecting a charge for a rate buy down that was never discussed previously, XXXX stated it was just something you see on the disclosure that you signed initially. We rebutted with how it appeared to reflect as a credit and not a charge and its the lenders responsibility to ask if we wanted to partake in a rate buy down option. The specific wording used by all the staff was that we qualified for the rate we were quoted and there was never a discussion of charges for said rate. We were referred to management. XXXX XXXX called today to say that we signed the rate disclosure paperwork initially and we should have known what we were signing. This is a clear violation of Regulation Z and a perfect example of predatory lending practices by using unclear language, not discussing costs or fees with applicants appropriately, and unwilling to acknowledge when a mistake by the Lender has been made.
Consumer complaint received 2023-11-27
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. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo repoed my car XX/XX/2023 and I have not gotten my notice of repo letter from them and I cant get the repo man to call back so I can get my belongings and plates out of the car. I also advised to Wells Fargo about the damage done to my driveway and got no response from them. I have called many times and they advised me I dont get a notification of repo letter. I have gotten no letter or notification from Wells Fargo.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I filed a dispute with Experian on XX/XX/2024, about incorrect student loan balance being reported on my credit report. 

Experian shows over {$28000.00} in loans from XXXX XXXX XXXXXXXX. This is not correct. I sent Experian a written dispute by mail, I included the balance sheets from my student aid portal and from XXXX both indicating my current student loan balance is only about {$5000.00}. 
Experian returned the dispute as accurate as is. They are failing to correct my balance on my reported student loan account even after I provided documentation from this particular creditor. The FCRA requres credit agencies to reports accounts accurately, Experian refused to make the correction
Consumer complaint received 2024-09-02
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE NO KNOWLEDGE AND HAVE NOT AUTHORIZED THE FOLLOWING INQUIRES. MY WRITTEN CONSENT WAS NOT GIVEN 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc. (SC)

Went to transform credit to get a loan to clear credit card debt. Was told that I qualified with a co-signer advised them I dont have one and they still have been charging me a {$5.00} fee monthly for the same amount loan I didnt get or have any access to. Per 15 usc 1605 ( 2 ) ( 3 ) finance charges ( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

Never gave me any credit so Im charged for an extension of credit I never recieved.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (MI)

On XX/XX/XXXX an Opt-Out letter was mailed to Self Inc and it has come to my attention that according to the Privacy Act of 1974 : ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, " financial transactions '', medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports.

( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

-- -- -- -- -- -- -- - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also credit cards inquiries from XXXX card, XXXX  XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I used to have a personal checking account with XXXX. That account has been dormant for several years, with a {$0.00} balance. Last year, Citizens Bank acquired some of XXXX 's business, which resulted in Citizens Bank taking over management of this checking account. 

Unbeknownst to me, once this checking account was transferred to Citizens, they started charging account maintenance fees on the account. Since the account had a XXXX balance, this resulted in a charge to a personal line of credit which was linked to the checking account for overdraft protection. 

I became aware of this situation in the middle of 2022, when I received notices that the account was past due. 

I called Citizens, explained that I had never opted in to doing business with them, never agreed to their fee structure, and wanted to close my account, and have all fees waived or refunded. I had several calls with their customer support organization, but finally convinced them to waive the fees, and close the account. 

At this point, I thought the problem was over. I was wrong. 

My wife is currently trying to start her own business. As part of this process, she has been applying for business credit cards, and having a difficult time doing so. When she finally received a notice explaining that she was denied a credit card, along with the explanation, we noticed that the our credit report has a 30- and 60-day delinquent payment notice. This surprised us, since we have never missed a credit-card or loan payment of any kind, and prior to 2022, had excellent credit ( XXXX  score of XXXX ). 

After inspecting our credit report further, I noticed that the reporting financial institution was Citizens Bank. At first I was confused, since we've never signed up for any credit cards or loan products from Citizens. But then I remembered the quagmire I was thrust into in 2022. 

So, this month, I've spent many hours trying to contact Citizens Bank to resolve this issue. I've talked to at least XXXX different branches of their customer service ( banking support, credit support, asset recovery support ). None of them have been willing and able to help me, and always redirect me to someone else.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, refuses to remove a reported late payment for unauthorized transactions that, were not only removed, but acknowledged that they failed to inform me in time. The merchant responsible for the unauthorized transactions has put in writing that they mistakenly charged the card and reached out to the bank to try to reverse them prior to the credit reporting.
Consumer complaint received 2023-11-27
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. (NY)

My information was sold and bought illegally because I was a victim of the Equifax data breach I want items deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing please help me delete illegal accounts from my credit reports
Consumer complaint received 2023-05-23
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. (IL)

I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached. I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (NY)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquires to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified inquiries. The identified inquires are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (GA)

On or around XX/XX/24, I received an email from Eastern Account System inc with a bill from XXXX XXXX for {$99.00}. On XX/XX/24, I responded asking for a validation of the debt including original contract, an itemized statement that reflects that amount, the account number, service address, original creditor, and address. I received an email from XXXX XXXX stating that the validation was sent. On XX/XX/XXXX, I received a paper copy of a bill from XXXX. Simply providing a bill is not a validation of debt. On XX/XX/24, I explained that I requested a validation including a contact. On XX/XX/24, XXXX XXXX responded and said that I would need to contact XXXX for a contract. If Eastern Account Systems is collecting on a debt, they are required to provide full validation. If they can not do so, they must cease and desist from collecting or I will enter arbitration through XXXX as stated in XXXXXXXX XXXX  terms and conditions, at XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-18
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (MD)

I am unaware of this debt, I did not receive proper notification before this debt was reported on my account. If in fact, you believe I received proper notification of this debt, please provide a copy of the certified mail receipt with my name and signature stating that I received notification
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

I received a derogatory remark on my credit file from Zions Debt Holdings stating that I have a few collections from a security alarm XXXX  they have stated I owe a balance, and I am personally liable for it, but I explained to them that there is no personal guarantee, and that this debt belongs to the business XXXX XXXX XXXX I was only a manager for that company and had authorized access XXXX, general manager for the service. They have yet not to send me any documentation, stating that I have a personal guarantee which I know for a fact I do not, but they keep stating that I still am liable personally for a business corporation that that I am not liable, for they have done kept calling me untruthful, and yet to give me any information or proof that I have requested, I have reached out to XXXX the original company for the debt and had clarification from their side, stating I have no liability, but Zions Debt Holdings says otherwise. Zion Debt holdings keeps calling me from phone number XXXX ( XXXX ) XXXX and keeps pressuring me that I am liable and never is straightforward with providing information. This has been going on for months with no proof. I want them to stop harassing me and to remove this debt from my personal name. Also, from reviewing from XXXX  the main account holder is a person who is a relative of mine who was an executive of the company. Regardless of all this, just please have them do the ethical rights that I have to remove this collections from my credit.