davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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. 

Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

on XX/XX/2023 I sent a dispute to Equifax regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (PA)

Hi, Ive been trying to make a payment to my mortage for the last 2 months either online or on the website. Neither place can I make the actual payment. Ive tried to call on numberous occasions. Everytime I call after work, the phone is on hold forever and then the line disconnects or I get through and they say " sorry we cant access your account right now we are have techinal difficulties ''. A few months ago, I was in the middle of doing a hardship modification loan and I had to pay XXXX payments on time, which I did. Then they would finish the process and secure the modifiication. During the process the mortage company looks like it was bought out or changed hands with a bank with a similar name and now my account is all messed up and it says I owe XXXX payment each month. I know this amount is not correct, and there is not XXXX at the bank to fix it. That is why I am filing a complaint. I can not get in touch with anyone at the bank and can fix it. 
The company was XXXX XXXX XXXX XXXX and new company XXXX XXXX.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.
Consumer complaint received 2023-11-15
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/23 I sent a letter To CAP ONE AUTO XXXX XXXX XXXX XXXX, TX XXXX requesting XXXX. Documentation verifying the legitimacy of the charge-off, including details of the original debt and any supporting records. 
XXXX. Proof of any communication or attempts to collect the debt. 
XXXX. Any agreements, contracts, or terms related to the account. 

I have not received any validation of the account. Instead I received voicemails, text messages, and emails regarding a balance on the acct ending in XXXX. 

Please see attached documents
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RC Willey (CA)

I am reporting deceptive business practice with RC Wiley and The collection company XXXX XXXX XXXX. I opened a credit loan with RC Wiley in XX/XX/XXXX. My loan went into default and was closed XX/XX/XXXX. The account was charged off {$2200.00}. My original account number with RC Wiley was XXXX. This account was turned over to the collection agency XXXX XXXX on XX/XX/XXXX with a balance of {$2800.00}. For the past year I have been reporting to the credit bureau inaccurate information reported to my account by both companies. First, both companies are reporting that I have balances on my account. Secondly the original charge off dates have been moved up to XX/XX/XXXX. And thirdly, XXXX XXXX is reporting the account with a different account number, XXXX, to appear as if its XXXX separate accounts being reported with their balance at {$3500.00}. They can not charge me twice for the same account. I have made several attempts to correct this issue with the credit reporting agency but they are saying the two companies are coming back with the remarks of all information is being reported correctly. Please investigate and either remove both from my credit file or remove the account that is being falsely reported. This is damaging to my credit file. Thank you.
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

Hello! I am representing my company in this complaint.We began having issues with XXXX on Monday ( XX/XX/XXXX ). 

XXXX has caused numerous problems for us. Our current issue is that the XXXX app will not start on our CEO 's phone. When addressed, he was sent to level 2 support and was told his phone was not supported because it was VoIP. It took us 2 hours of waiting on the line to receive this response. What was interesting was when I tried to create an account with a VoIP phone, it worked just fine. We are not happy about receiving false information that damages our finances. 

In addition, all of us have tried to add our company debit card multiple times across multiple phones ( some which are not VoIP ), and we are being told that the debit card information is not correct on every single one. When we waited again on the line for an hour, we were told that level 2 customer support would not be able to add our company debit card to our account over the phone and that it " was against policy, '' and redirected us to our bank. We have verified our debit card information with our bank 3 times throughout this week and we have both concluded that this is a problem with the XXXX mobile app. We have banked with this bank for 2.5 years and we would strongly appreciate it if XXXX could work with us to solve this problem rather than redirect us to a bank which has never had any problems with other mobile transaction apps.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have found the following inquiries on my credit report recently, none of which I have authorized. I have frozen all 3 credit bureau 's until this is resolved. I want all of these deleted as this is inaccurate reporting and negatively effecting my life and my ability to get a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
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. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I hope this message finds you well. I am writing to formally lodge a complaint regarding the recent experience I encountered while attempting to open a XXXX XXXX Checking account for my XXXX through Capital One. 

During the second step of the account opening process, I was prompted by Capital One to provide additional information. Concerned about the request, I promptly contacted Capital One for clarification today, XX/XX/year>. To my astonishment, I was informed that Capital One had unilaterally terminated its banking relationship with me. 

Moreover, when I sought an explanation for this abrupt decision, the attending agent informed me that XXXX XXXX, as a XXXX, was ineligible to open a checking account. However, the explanation provided was terse and lacking in detail, leaving me with more questions than answers. 

Allow me to provide some context : I hold a XXXX XXXX that requires a thorough background check. Throughout my professional career, I have maintained an impeccable record, devoid of any instances of fraud or involvement in any public records. Therefore, I find it deeply perplexing and concerning that I have been flagged as a red flag by Capital One without any clear justification. 

In light of the foregoing, I respectfully request your assistance in two matters. Firstly, I kindly ask for a comprehensive explanation regarding the rationale behind Capital One 's decision to terminate its banking relationship with me. Clarity on this matter is crucial for me to address any potential misunderstandings or rectify any issues that may have led to this decision. 

Secondly, I implore your support in resolving the impediment that prevents my XXXX, who is XXXX XXXX old, from opening her account. It is imperative for her financial literacy and future financial planning that she has access to appropriate banking services at her age. 

I trust that you will treat this matter with the seriousness it deserves and provide a prompt and satisfactory resolution. Your attention to this issue is greatly appreciated, and I eagerly await your response. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

I demand that midland credit stop communicating with me as described in the fair debt collection practices act. That act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium to which I especially want this company to cease communication.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (CA)

I just received a letter from The Federal Reserve Bank XXXX New York as per attached, requesting that I pay {$6100.00} dollars in order to update my ACH validator since my account at Citibank has been dormant for a long time. 

I have also attached XXXX Letters of XXXX I received from Citibank, guaranteeing me that the funds would be transferred without further expense, but the bank is not honoring their written guarantee. 

My attorney has met with Citibank 's XXXX department and stated that they deduct the Federal Reserve charges from the funds they are holding on my behalf or advance a loan to me for the charges, using my funds as collateral. 

Our next step will be to file a lawsuit against Citibank based on their nonperformance on the attached Letters of XXXX.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp. (MO)

I contacted World Remit ( WR ) in XX/XX/2023 about a fraud transaction involving an individual XXXX XXXX from XXXX that pretended that he was in XXXX XXXX and stole my money in tended for an business transaction. World Remit took the complaint and pretended that they were going to conduct an investigation but did not. I called back several times since XXXX but was unable to speak with anyone even after holding for almost 2 hours each time. It is my belief that they blocked my number to make it difficult to get in-touch with them. I also emailed WR based on their recommendation but again, I am unable to get a response after the initial contact. Please help.
Consumer complaint received 2024-04-30
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: SANTANDER HOLDINGS USA, INC. (GA)

I have continued to dispute this collections on all 3 bureaus ( XXXX, XXXX XXXX XXXX ). I havent had this car in years & this company is reporting the last delinquency as XX/XX/24. Ive asked this company for any documents they have with my signature on them & they have yet to provide anything. Lastly this collection is past the statute of limitations for GA, it has been on my credit for over 8 years.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

On XX/XX/2023 I requested proof of public record. Equifaxing provide proof that XXXX is reporting a bankruptcy for me. I am attaching a letter from XXXX XXXX showing proof that the bankruptcy was removed because they couldn't verify the data.
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC. (GA)

I had XXXX XXXX to have removed... the surgeon was negligent in closing area and I became XXXX due to XXXX XXXX. Put in hospital for 1 week in XXXX unit. Told doctor I would not pay due to his negligence and related hospital bills incurred. Now a collection company is threatening to continually report non payment to credit companies until paid! Already explained to them numerous times
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

SANTANDER CONSUMER USA, Account # XXXX Is reporting inaccurate information on my credit report, FCRA Law states Furnisher 's must report accurate information with all credit bureaus. Please remove or delete account INACCURACIES 1.BALANCE 2.LAST PAYMENT REPORTED 3.LAST DATE ACTIVE 4.PAYMENT STATUS
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

I requested a 6 mos temp mort. home loan modification while awaiting XXXX benefits. I did not request a refinance from the Newrez mort. Co. I had 9 years left on a 30 yr mort. Newrez discarded my 21 yrs of equity paid and created another 30 yr mort loan. I have called Newrez for assistance with this matter to no avail. I am paying 60 yrs on a mort. that was 30 yrs with only 9 yrs left to pay it off at the time. I am paying PMI all over again.
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (OR)

The beginning of XX/XX/XXXX, I noticed that my mortgage payments were higher than they should be ( {$500.00} more ). Upon investigation, I realized that Freedom Mortgage created an escrow account and was taking out approximately {$500.00} per month to supposedly pay my homeowners insurance and property taxes, which I directly pay to the institutions. I wrote to Freedom Mortgage on XX/XX/XXXX requesting that they immediately remove escrow from my account and refund the total amount I had been billed for escrow since XX/XX/XXXX. I have never authorized or needed escrow because I have always, from the inception of my mortgage, paid homeowners insurance and property taxes directly to those institutions. 

I have received a written response dated XX/XX/XXXX which stated that my request was denied due to not meeting the XXXX criteria. I reviewed each criteria and have always and currently meet each one.
Consumer complaint received 2023-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: CreditNinja Lending, LLC (CA)

I am a spouse of a XXXX XXXX member. I got the loan XX/XX/. I am paying it for {$220.00} bi weekly until XXXX XXXX. I owe {$1200.00} and with the interest rate it became {$2600.00}. I am not aware of the contract regarding their cab fee which is double the loan I owe. And then I read about the MLA program for military members. We are facing financial crisis at this moment and hoping we can get our benefits as a spouse/XXXX XXXX. Thank you.
Consumer complaint received 2023-11-16
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
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. (PA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These should not be showing on my credit at all and I assert I have shown and provided proof I was a victim of the XXXX XXXX XXXX breach Im reporting to CAPB to have them removed immediately as I do not recognize
Consumer complaint received 2024-04-30
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (MN)

According to 15 USC 1692 c ( c ) that law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with consumer. Reporting to my consumer credit report is form of communication.
Consumer complaint received 2023-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (VA)

Sallie Mae claims I owe money in private loans that have expired past the date of collection. They are also claiming my cosigner is liable ; but my cosigner has already been released via bankruptcy. They are claiming I made payments to them; but I have not made any to them. They are calling extended members of my family as well for debts that they can not collect and need to stop.
Consumer complaint received 2023-12-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (TX)

Central portfolio control Inc. claims to To be collecting a debt on behalf of XXXXXXXX XXXX The only problem is I do not owe any money to XXXX XXXX I was not under any contract, and therefore the debt is invalid. I have asked for proof of the debt and proof that I owe or that I broke a contract because I was not under any contract with XXXX XXXX.