davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-04-22
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MN)

The following hard inquiries currently listed and showing on my XXXX XXXX and XXXX credit report, are fraudulent, unauthorized and not my hard inquiries : Synchrony Bank XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, Synchrony Bank XXXX XXXX, XXXX, XX/XX/XXXX, Synchrony Bank XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, Synchrony Bank XXXX, XX/XX/XXXX and Synchrony Bank, XXXX, XX/XX/XXXX. I will be sending a copy of this complaint to XXXX XXXX, United States XXXX Minnesota, XXXX XXXX, United States XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  Attorney General and XXXX XXXX, United States Attorney General, U.S. Department of Justice. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NV)

Gap settled the payments with Aly Financial, I called Aly to make sure I didnt owe anything else. They said I was clear and did not have balance. Than 2 months later, a balance pops up on my credit. So I have no idea where this came from, or how it popped up. Not only are they reporting this {$98.00} payment on my credit but the account has been charged off and they have written it off through there taxes. So now they are trying to still collect from me, when they have already been paid through taxes for this amount. By law that is double jeopardy and very much illegal to do this. So now they have placed a {$98.00} payment on my account without my consent or contract for this amount. They now, are trying to multiply their earnings for it. Please delete this account in whole From my credit report, Aly!
Consumer complaint received 2024-04-22
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. (AL)

I was checking my consumer report and I saw a bunch of credits inquiries I didnt realize. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
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. (MA)

in accordance with the fair credit reporting has violated my rights act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 602A section 2 states a consumer reporting agency can not furnish account without my writteni instructions
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2024-04-22
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PLM Lender Services, Inc. (CA)

Company PLM claims to be new owner of a note for a loan that was bought pennies to a XXXX  trying to collect zombie loan that never sent any statements for 15 years since 2009 that i stopped paying the loan now XXXX XXXX the hard money lender is dead and this PLM lending company is trying to collect with exorbitant fees and penalties knowing we cant pay ; so that they can steal my primary home equity where I have lived all my life ; and I have XXXX  teenagers. By via foreclosure.
Consumer complaint received 2023-03-13
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  bankruptcy XXXX XXXX  reference account # 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 with my written instructions
Consumer complaint received 2023-12-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/2023 an impersonator went to an apartment complex ( XXXX XXXX ) and tried to rent an apartment with my Credit. On XX/XX/2023 I was checking my credit and noticed a collection had been started on XX/XX/2023 in the amount of {$420.00}. I immediately froze my credit and filed a dispute through XXXX, XXXX, and XXXX. On XX/XX/2023 I called the apartment complex and spoke to the lady that handled the transaction and she admitted to me that she knew it was fraudulent but had to send it to collections anyway, at this point I contacted the collection agency and started a dispute. I also filed with XXXX XXXX Police Department and they put together a Case # XXXX.
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc. (CA)

I have been sent to collections, and I need the debt returned to the original creditor. We plan on getting the debt settled with our timeshare, but XXXX has not validated the debt and is only getting snarky with our requests to exercise our rights under the FDCPA because this debt is disputed.
Consumer complaint received 2024-04-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC (FL)

I have a VA loan and live in Florida. Back in XXXX  Florida had Back to back hurricanes, XXXX XXXX and XXXX XXXX. As a result of this hurricane, our home sustained substantial damage, almost {$19000.00}. We first tried to get relief from our home owners insurance, but they said that our damage was do to flooding and we unfortunately did not have flood insurance on our policy. We lived I a non flood zone, so we didn't ever even think about getting flood insurance. XXXX XXXX was a 1 in 500 years flood they called it, and caused more damage than any other flood in the history of Florida. Since my insurance company wouldn't help and COVID depleted all our savings, I reached out to my mortgage company ; CrossCountyr Mortgage to see if they could assist. Since my home was a VA loan and the hurricanes were declared a federal natural disaster, they said I would qualify for a Loss Mitigation. At the time, I had no idea what this was. They explained that they will defere 6 payments, then push those payments to the back of the loan and restructure my loan. After 6 months of dealing with this, they denied my loss mitigation. I appealed the decision and found out it was because they miscalculated my income. After another month, they finally approved my loss mitigation. They raised my interest rate from a XXXX to a XXXX and my payments went from {$4800.00} per month to {$6300.00} which was crazy in itself. They then put me on what they called a 3 month trial payment plan to insure I could make my new payments. As soon as the trial plan started, Crosscountry Mortgage sold my loan to Mr Cooper but as a servicer for Crosscountry Mortgage. I ended up making my XXXX trial payments to XXXX XXXX/Crosscountry Mortgage. After my trial payments were completed, they were supposed to modify my mortgage and restructure my loan. After not receiving any loan documents as they told me I would receive, I called them to check in. They said it will take another week. Another week went by and they said it's still processing. They would not let me make any additional payments during this time either. After week XXXX, I called again and they said my loss mitigation has been denied, but couldn't give me an answer. This is illegal per the VA department when I called them. They lender can't approve my mitigation, make me pay my trial payments as agreed then deny my loss mitigation. It's been in " limbo '' status for 4 weeks now and they will not give me answers. This is unfair, unjust, and just plan wrong. The modification was supposed to help me, not make things worse, increase my interest rate and payments and put me in forclosure. I really need help. I'm an XXXX  vet who worked hard to build my family there dream home. Please help me keep my home. This situation has been extremely stressful, unjust and unethical. 

Thanks for your time XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL (CA)

Amazon online a good start up credit secured card so I created an acct.started an order using XXXX credit card which they approved an then denied.So I decided to apply for the secured credit card and got approved in {$50.00} or {$100.00} increments to Load.Each time I tried loading {$100.00}, {$50.00} or even {$150.00} it would decline several times with different amounts.Call my XXXX XXXX debit card, they told me card is good and funds are available.When calling Amazon several time, reps would give me the same response NO RE ORD, TRY IT AGAIN ( XXXX ) ... I stopped calling them. So I decided next to try ordering and buying a {$5.00} gift card AMAZON ACCEPTED THAT but NOT for the secured credit.By the way I used the gift card and re ieved the order. Lastly ) in closing I call Amazon back and let them know you accept my card for orders and gift card buy NOT FOR THE SECURED CREDIT YOUR APPROVED ME FOR, then they said I must reapply OBSURED BUSINESS PRACTICES for a HUGE COMPANY.Please help me rectify this and give me what was offered to me.Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

Filed a dispute with my bank they refused to give me my XXXX $ back and actually investigate this incident my card was stolen and was used without me authorizing anything I have been waiting for almost a month with no type of answer can I please get my money my card was used
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NJ)

I transferred money to XXXX to my friend for medicine expenses and its not a first time to send money by western union so they called me from XXXX reporting money on hold for 3 days now by western union I contacted them after they requested a photo id which is I did submitted to them and I dont know why they requested since I am sending the money online, so I called them the next day they put me on hold for about XXXX the representative keep placing me hold then I hanged up, I chatted with them in western union app after a long conversation she said I can not do anything you have to call XXXX, I called them again I provided them with all information needed I still didnt get any answer to my question, why my money transfer still on hold? I got hold on let me check umm no answer so at this moment the money transfer never released till now I dont have any idea about what is going.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I received a check from a prospective client wishing wanting me to complete services. After attempting to deposit this check, the bank found it to be counterfeit, and closed my account assuming it was me who is the fraud, not my client. They closed my business account without notice, and are holding all my business 's funds for over a month, effectively putting me OUT OF BUSINESS! They simple repeat, " I do apologize '', but never can answer why nobody called me about it, or explain how I've been the victim of fraud yet they treat me like the criminal. It's disgusting, and I am struggling to keep my doors open and family fed at this point.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

I have secured funds to bring my mortgage current for the mortgage payments that I am behind. 

I am working with the XXXX XXXX XXXX as well. 

I am only behind since XX/XX/XXXX through XX/XX/XXXX. 

That is total of 32 months. The reinstatement letter does not reflect the actual months I owe. 

I can only afford to pay the months owed to get back on track. 

That amount is {$7500.00} I would like a corrected reinstatement and then I can forward to the Servicer.
Consumer complaint received 2024-04-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2024. I received a call from a blocked number that went to voice mail. The voice mail left mentioned my name and my spouse name to the property owners of my address. She said this is XXXX with XXXX. We have certified documents we do need to issue out to my address if I would be present. If there are further concerns in regards to the complaint or questions pertaining to the pending lien it would be in my best interest to contact the firm at XXXX case number XXXX. This is a time sensitive matter requiring immediate attention. 
I called back. It was a good number to my surprise. I spoke to a man didn't give me his name or tell me where he was calling from. He didn't say the call was being recorded or the XXXX XXXXXXXX used in collection calls. He did have the last four of my social and knew things on my past credit history. He said I owed XXXX to MBNA. He said he would liquidate my XXXX XXXX XXXX XXXX XXXX XXXX When he realized I wasn't falling for it he hung up. I was a debt collector for years so I did not fall for this but I would like to make this known due to companies unethical and illegal practices.
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (GA)

There 16 inquires on my credit report I don't recognize. I'm a potential. victim of credit fraud therefore my credit has been promised. Please delete from my credit report.

16inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

All withdrawals from my checking account have been locked and when I reach out to customer service I am left on indefinite hold. I have screen shots of the hold times as well. I am assuming this is linked to outstanding complaint I have with PNC ( XXXX ) which was filed XX/XX/2024 and has still not been responded too.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.