davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (GA)

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. The following issues are not allowing me to purchase a home for my family. Please consider and remove. Thanks Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
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. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2023-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

By law the company has 5 days to reach out and form a solution for our issues. First the company stated that nothing has gone up for taxes and insurance and they merged thats why they needed escrow and now all the sudden it has. Ive called, emailed and complained and still no response. Then the company just lowered my escrow by {$80.00} a month for the next 36 months without my permission. I can not afford this! How can you do this in a time like now especially and not phone calls nothing! We need an answer! I do not reccomend loan depot.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

disputed for an amount of XXXX XXXX company. The collection is reported even though this account was closed, paid and equipment returned. No OTHER ACCOUTS BELONGs TO ME with this company.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (WI)

In regards to my Citi checking account, ending in XXXX. 
By XX/XX/XXXX I had withdrawn the total balance from this account down to XXXX, and completely stopped using it. 
Unknown to me until recently, a deposit of {$700.00} was made into this account on XX/XX/XXXX. From that money, Citi deducted a {$30.00} per month fee for XXXX consecutive months. A total of {$450.00} was deducted in fees, unknown to me until recently. If I had known there was money in this account, I would have withdrawn it. 
I think it is unfair that Citi charges a monthly fee on an inactive dormant account. I don't recall receiving any notifications of there being a balance in this account. Or seeing this account when I would log in to citi.com. 
Doesn't Citi make any attempt to notify the owner of an account gone dormant? 
I talked with a Citi representative about this on XXXX - telling him another Citi representative told me way back on XXXX that I would get a letter from Citi telling me if I was going to be getting this {$700.00} deposit. I never received any such letter. I have not yet received any followup reply.
Consumer complaint received 2023-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC (AZ)

In XXXXXXXX of XXXX  I had a baby. Over the course of multiple visits with my doctor, I proactively paid for my hospital bill in full. 

More than a year after giving birth, I began to receive collection calls regarding my hospital bills. I asked for an explanation but received none. I was told I needed to contact the medical center directly to be able to release that info. 

I did so. Multiple times. Left messages. Asked for a bill. My husband did the same. No response. 

We are now 3 years and 4 vendors into getting collection calls and letters for a debt of {$1600.00}. I have disputed the debt each time the account has been sent to a new collection agency. After requesting my validation of debt, 2 of the 4 agencies provided an email to request a copy of the itemized statement or billing form. I first did so within the allotted time frame on XX/XX/XXXX. I received the exact same form today stating I need to fill out the exact same request when I received nothing from them from the request on XX/XX/XXXX or any of the other times I have requested documentation. 

At this point, there have been so many violations of my rights under the FDCPA, the service provider is lucky I haven't hired an attorney to pursue damages regarding their reckless effort to collect this alleged debt.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the XXXX XXXX accounts removed from my credit report.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I do not agree with the payment history on account XXXX  XXXX, XXXX. 
15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credible Labs Inc. (IL)

Good afternoon! I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way! Let me inform your company of some Laws protecting consumers. 

XXXX cfr part XXXX talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications. Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX  and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company.. Please refer to the other screenshot below. Adverse actions are illegal amongst consumers. Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report. These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court. This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions! There is civil liability for violation of these laws! Please see 15 usc 1692k. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again. Please forward this to your manager or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap! Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks! XXXX XXXX
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I opened the account on XXXX/XXXX/XXXX. 
My account was closed on XX/XX/XXXX, one week after I sent my direct deposit of {$1800.00} to them, for " violating the terms of agreement. '' Direct deposit was sent on XX/XX/XXXX. 

I called the fraud department 5 times and finally spoke to a manager that told me a letter would come to me explaining the situation. Then she hung up on me. 

I received the letter and still does not explain what happened. I had direct deposited {$1800.00} into that account that they have not returned to me. This was to pay for my car insurance and now I have been unable to pay for it. 

I have continued to receive invites to open a checking account ( see attached photo ) even after they closed this one. If it was fraud, why would I continue to recieve emails about opening an account. Furthermore, I have the Citi app and I have a current offer through XXXX of my credit cards to open a checking account. Again, if I violated the terms, why would I receive an offer to open a checking account? So they steal more money? 

Citi stole from me without any type of explanation and I demand my money be returned ASAP.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Prosper Marketplace, Inc. (NV)

Prior to XX/XX/2023, I contacted Prosper Credit Card about my financial situation, I was advised by the customer service representative that prosper does not have a program that will reduce interest rate or reduce payment even if it meant closing acct. I was taken a back a little because I have been able to do this with at least 4 of my credit card accounts with major banks. So, I accepted the response and it led to a payment being reported 30 days late to the credit bureaus very shortly after. I am a person that takes pride in paying responsibilities on time and this was a major overlook, however, Prosper didn't help make this situation any easier. I wasn't given any notification that I was falling into this status. Companies are aware how important credit scores are so if you have a customer that usually pays on time and then falls behind at least a courtesy call would be helpful. As soon as I was made aware of the missed payment, I paid it right away and brought the account current. I did reach out to the company for a goodwill adjustment to credit reporting and I was unfortunately declined. As a customer I am beyond furious as a consumer I feel unprotected because I did my due diligence, by making Proper aware of my financial situation and they had no compassion or remedy for me and that is scary when most companies have things in place. I am looking to severe ties with this company as soon as possible.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I noticed i had a fraud alert on my credit report active until XXXX XXXX i thought alerts lasted 1-2 years before re-instatement. I have made serval attempts to have the alert removed temporary or permanetly. I have called the Experian and nobody ever answers. I have sent certified letters and nobody responses. I had finally spoken to a representive that supposalbly removed the alert or phone number verfication alert, But, evevytime i apply for credit i get denied do to the alert on my report. i have tried so many times to contact all agencies but nobody answers the phone. I need to remove the alerts and confirm my phone number is updated correctly which it shows on my credit report to be correct.I have had the same phone number for 20 years
Consumer complaint received 2020-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

I owed a balance from XXXX. This went to collections. It was to have come off my report in XX/XX/XXXX. Before that happened, it was bought by another company. Now it looks like it is a recent collection. Which it is not. Getting denied for a lot. Credit score looks worse than it should. How can they get away with this?
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (UT)

Having bought a home for {$310000.00} at the height of the market in XXXX and struggling to keep it during the housing crisis plus dealing health issues ; I decide to sell in XX/XX/XXXX to move to another town for work. My home was still under water and had to list it at {$190000.00} as a short sale while a new developer was selling homes around the corner for {$160000.00}. Despite that, it was under contract within the first week although Wells Fargo would not accept the sale. Between XX/XX/XXXX and XX/XX/XXXX, Wells Fargo repeatedly refused to accept the sale until I made it clear I was already living in another town due to work I was physically able to do. The house finally closed as a short sale in XX/XX/XXXX for XXXX. I have the paperwork to show their agreement to the SHORT SALE, however it was years later that I finally discovered the short sale was listed as a foreclosure. In fact in XX/XX/XXXX I attempted to get a mortgage only to be hustled out of the office without being told why. This broker at a State Bank location in XXXX Arizona did not tell me my short sale was shown as a foreclosure and I went several years more before someone would tell me what they were seeing on my credit report. I have tried since then to have this corrected with Wells Fargo denying any wrongdoing. Now my credit report is excellent but now I am retired after years on XXXX and can not afford a home when I should have been able to purchase a home the summer of XXXX ; 2years after the short sale was completed. 
Wells Fargo ruined my life.
Consumer complaint received 2017-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMO Bank, N.A. (MN)

To Whom it May Concern : I am writing a complaint in regards to an outstanding balance I owe to BMO Harris Bank for a XXXX XXXX XXXX that is affecting my credit score. I am writing because I feel as if I was treated unfairly. I was going through a divorce at this time and I owned a XXXX XXXX XXXX, loan through a different bank, and my husband at the time owned ( loan was in my name ) a XXXX XXXX. When we separated I was left with the two cars and was not able to pay for both so I need to get rid of one. I went to XXXX XXXX, where I had bought my first car, to see if they would help. At this time, I had no idea what I was going to do with 2 car loans. When I arrive at XXXX they had told me I could trade in both my vehicles, both had depreciated value, and get a new car. Once this was in place I bought a XXXX XXXX XXXX. Going through the process of the loan, the car was worth around {$24000.00} but with both my bad equity from the two cars I already owned I ended up getting a loan for {$35000.00}. My car payments turned out to be around $ XXXXmonth for 7 years, which is very high. I said ok due to knowing I had to get rid of one car and being in a very emotional a distressed state of mind due to the divorce and worries of the payments I would have to make for 2 cars. I have made the payments for about 2 years and at that point was going through a transition with jobs due to the company going out of business so I returned the car back to BMO Harris. Once BMO Harris took the car they were to auction off the car, I received a letter stating the car was sold for around {$12000.00}. This still didnt cover what I owed to BMO. I still owe BMO Harris Bank {$17000.00}! I dont understand after making payments for so long that I would not even make a dent in my loan. I do not feel I should have received this loan in the first place knowing that it was too high of payments and income but that it was well over the value of the car its self. This is on my credit as a delinquent payment and is putting a hold on my future of buying a house. This has affected me with being able to be approved on even an apartment due to the bad credit. I dont feel I was treated fairly and was taken advantage of by being in a vulnerable state of mind, being very young and naive. I have requested from the bank to receive the loan agreement, payment history, and the auction amount but was denied this information. What I would like to see in the end if we could settle a balance on the car that is manageable to pay off that would make sense for all payments I have made or possibly forgiving the loan. I would like to buy a house in the near future but this has put a hold on things. Not only has this been a problem to get a house but this has been a problem everywhere. I would like to settle things to see my future in a better place. Sincerely,
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, and I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX, EXPERIAN and XXXX XXXX XXXX are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 12 CFR 1006.34 15 USC 1692g as well as12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 12 CFR 1006.22 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX , they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, and EXPERIAN has not provided proof that they verified the consumer was given the chance for the information not to be shared and the consumer chose not to opt out every time they have received information pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) .they have not provided any proof that information solely on transactions or experiences between the consumer and the person making the report is not to be excluded from a consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I never gave them consent to furnish anything on my consumer report as described in 15 USC 1681b.They have not provided any judgements made against me or any original notes .This is directly impacting my life as I have been denied for credit because of them.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (FL)

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. 

US DEPT ED : XXXX, USDOEXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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