davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (TX)

I received a data breach letter in the mail stating that my credit report has been affected by a data breach, on checking my report I noticed some inquiries that I did not authorize, therefore Equifax needs to remove them as. Thank you, XXXX XXXX
Consumer complaint received 2021-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2024-02-06
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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper / Nationstar Mortgage purchased the servicing of my mortgage. My loan is impounded for Taxes and Insurance. Mr. Cooper / Nationstar failed to pay the proper amount billed by my insurance company and by the time they discovered they paid the incorrect amount my insurance was canceled. Unbeknownst to me there has been no insurance on my property for the last six weeks. Because Mr. Cooper / Nationstar has done this on several occasions before my insurance carrier has canceled me and I was forced to purchase insurance from another insurance company at a higher cost.
Consumer complaint received 2021-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MD)

We have a vehicle loan with Chrysler capital. Over this loan we have paid each year over the amount. We requested a audit. They are not doing it or questions they have no answer but still {$2500.00} payoff amount. We are requesting investigation of this loan account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. E-mail is XXXX XXXX
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

My credit union ( America First ) has started offering a premium checking account for an additional {$6.00} per month. 

Rather than allowing customers to opt into the premium checking, they automatically put everyone into the premium checking and you have to call to opt out of the plan or get charged monthly. This is REALLY shady!!
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NY)

American Express ( or their representatives ) have repeatedly called my phone number via an auto-dialer attempting to collect a debt from an individual, XXXX XXXX. I am not XXXX XXXX and have shared this information on multiple occasions. They tell me that my phone number was given as a number for " XXXX XXXX '', even though I've owned this phone number for some time. Each of the 10 times this company has called, I have told them this number is not XXXX 's. They have told me they will continue to call to attempt to collect " XXXX 's '' debt. When I told them that what they were doing was " illegal '', they continuously denied that what they were doing was illegal and that they could take any action necessary to collect the debt. At this point, this is harrassment. I'd like American Express to abide by fair debt collection practices. 

The vendor uses local number - XXXX.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've sent several letters disputing inaccurate payment history with my XXXX XXXX account # XXXX. The payment history is reporting inaccurately. I've attached a history of the same exact account from XXXX and XXXX. The account information is accurate with the other two but not with Experian. 

Each time they've responded stating information has been updated. The information is reporting inaccurately and has damaged my profile. This goes against the Fair Credit Reporting Act.
Consumer complaint received 2021-08-11
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: Resurgent Capital Services L.P. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Over thirty days ago, I wrote to Credit Bureau indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office.

I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that this misleading have been removed. 
Wrong amount is being reported : XXXXXXXX XXXX XXXXXXXX NEVER LATE.
Consumer complaint received 2021-08-11
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. (GA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Department of Education and all 3 credit bureaus along with XXXX  continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/XXXX, I was suddenly unable to access my funds due to my account being reset. I had previously asked Binance to do this a few months ( XXXX wnd ) ago due to basic verification ( which I had at the time ) not supporting withdrawls. This normally wouldn't have been a problem, but unfortunatly they decided to resolve the issue while I was trading. This means that my funds were locked now in a different currency for a different amount of time intended. ( high price volitility made this much worse ). I shrugged this off thinking I just needed to resubmit my verification and that it would be done within a gew days ( Like it had prior ). A few days later ( XX/XX/XXXX ) I submitted a ticket due to concerns I had about the second verification. Mainly the fact that the first few times I tried submitting it, the request failed to go through. This made me think that perhaps something went wrong again, but it appeared as if it went through anyways. Fast forward two months later, I still hav n't gotten a response ( aside from one that was automatically generated ) nor has my verification / ticket been reviewed. Any new tickets get merged with the old one, which has the priority as unlisted, so any attempt to resolve this basically gets pushed aside. By far the worst customer experience I have encountered. I just need access to my funds.
Consumer complaint received 2021-08-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (KY)

I've requested a payoff statement from Roundpoint Mortgage since they took over my loan effective XX/XX/2021 via phone, email, and fax and they have denied my request. They have had my loan for 7 months now and are advising they will not provide me with a payoff unless I sign a revised loan modification that they created. I have been trying to refinance on my existing loan and Roundpoint is stopping me from obtaining the best possible rates as they are still advised they will not provide pay off.
Consumer complaint received 2021-08-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I recently pulled. copy of my report and noticed several inaccurate and erroneous items being reported. It caused me to do some additional digging and I noticed my information has been compromised in the Equifax data breach. Now more than ever I believe my information has got into the wrong hands. I have sent several messages to each bureau with no response. I also saw it is illegal to report inaccurate items per 15 usc 1692. Please assist in prompt removal
Consumer complaint received 2021-08-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alternative Collections LLC (VA)

Alternative Collections, LLC, which also does business as Alternative Collection XXXX XXXX XXXX XXXX XXXX, and XXXX, is a debt collection agency located in XXXX, New York who was, or claimed to have, a couple of accounts for my company. We negotiated settlement offers and fulfilled one to the agreed amount. The other was still in negotiation, but the two contracts were separate. The one contract was paid in full per settlement on XXXX XX/XX/2021 after which documentation for the vehicle purchased was supposed to be sent. No communication was received from them for months until I reached out to them to ask what was going on when I was told that they closed the accounts because of no communication from us, that no settlement was agreed upon or in place and that there is nothing more for them to do. So they stole our money claiming to settle an account and now we don't have our money or the paperwork to properly maintain and register the vehicle purchased under that settlement.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (OK)

My Child Support card though Eppi had nearly {$500.00} in fraudulent charges. All charges were not within my normal purchase history and I was locked out of my account due to it being hacked. After talking with Eppi card services on multiple occasions, they agreed the charges were fraudulent and. It in line with my normal purchase history. They reversed the charges and then claimed they contacted 20+ vendors who my card was fraudulently used with and said all the vendors said they were authorized charges. After initially reversing the fraudulent charges, they went back and unreversed the charges. This has been on going for 5 months and is uncalled for. Further, I followed their procedure to request funds be direct deposited instead on being put on an unsecured card and they never complied with the request. I have no option but to use this card and I have no control over their security. They are playing games and hoping I give up and I will see this through to make sure it does not happen to other innocent victims. I am request that all fraudulent charges be reversed. I have spent hours submitting the documentation they requested and would like to join and class action lawsuits against this company.
Consumer complaint received 2021-08-10
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. (NJ)

As of XXXX of XXXX I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and XXXX XXXX and still no response I need this DELETED ASAP.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I have tried to correct to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.
Consumer complaint received 2021-08-10
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: SYNCHRONY FINANCIAL (GA)

On XXXX XXXXXXXX XXXX I received an alert that SYNCB/LOWE 'S XXXX placed a credit inquiry on my XXXX  credit report. I contacted SYNCB/LOWE 'S the same day I got the alert. The agent I spoke with me had no record of my credit application I contacted XXXX via phone and sent a letter challenging there findings. I received a letter back in the time allotted for the major credit bureau to responding, in which, they verified the information as correct. I sent another letter explaining that FCRA allows a consumer to have full disclosure on the information obtained from the creditor, this wasn't provided and the inquire still remains on my credit profile. 

On XX/XX/2021 I received an alert that XXXX  - XXXX XXXX placed a credit inquiry on my XXXX  credit report. I contacted XXXX  - XXXX XXXX the same day I got the alert. No resolution has been made to remove this inquire.
Consumer complaint received 2021-08-10
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-02-05
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. (TX)

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.

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 2021-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

I received an email from Chime stating they decided to close my account, the reason they gave was a violation of the direct deposit policy. I only had one deposit. 
When I attempted to call, their phone system recognized my number, told me my account was closed and I had to email them. 

They have been extremely evasive and dodgy. Not replying to email and not answering questions Meanwhile, My money is in limbo and I can not access this. Like lots of people I live paycheck to paycheck and I can not afford to have hundreds of dollars held from me on a whim
Consumer complaint received 2021-08-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC. (PA)

I consumer XXXX XXXX entered into a consumer credit transaction with ALLY FINANCIAL IN 2015. I'm not obligated to pay any debt under the provisions of 15 usc 1692 the Fair Debt Collection Practices Act. This debt is fraud, and false and misleading and is already paid for. I sent a cease and desist twice to ALLY FINANCIAL to stop contacting me on all mediums. ALLY FINANCIAL has violated my federally protected consumer rights. They are harassing me, oppressing me, using obscene and profane language. ALLY FINANCIAL is committing fraud and attempting to commit theft. They are threatening to take legal actions that can not be taken. The Fair Debt Collection Practices Act governs debt collectors. They cant continue to violate me. I do not owe this alleged debt that is false and misleading and in a positive balance.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-08-05
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)

Hi I Just recently took a look at my credit file because Im getting ready to purchase a home and there are a few things on my file that are not mine. Im not going to panic just yet but these account needs lo be taken off my credit CAF. Im doing this on my own and need some help. I sent a complaint to the FTC and the police. I also saw where my credit was ran alot and I have no! ran my credit these are the Inquiries that I dont know anything about XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admin Recovery, LLC (PA)

On XX/XX/XXXX I received a voicemail from a XXXX XXXX with Admin Recovery that they were trying to collect on a debt. 
I returned the call on XX/XX/XXXX and explained to XXXX XXXX that the account at XXXX XXXX was a result of identity theft, and that evidence of that was already provided to XXXX XXXX 
I also explained that since XXXX XXXX had not removed it I had filed a CFPB complaint against them. 

On XX/XX/XXXX XXXX XXXX called my ex-daughter in law in Virginia, saying they are trying to get contact information for me, when in fact XXXX had already spoken with me. 

I don't know if or whom else that may have been speaking with.