davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RentDebt Automated Collections, LLC (ND)

Hello Consumer Finance Team! 

Thank you for taking a moment to review my grievance. I wanted to submit a complaint about a Property Management ( PM ) organization in Kentucky called the XXXX owned by XXXX XXXX. They are presently attempting to collect a debt I do not owe through a company called " RentDebt Automated Collections , LLC ''. 

I left my apartment ~5 months ago due to frequent domestic disputes at a neighbor 's residence ( including firearms ). My family left our unit with ~2 months left on our lease because the cops had visited the tenants below us on XXXX occasions. ( I have video footage, but have not yet went after the police report numbers ). At first the PM company tried to relocate us to another unit in the same complex. We did not find that acceptable nor did we feel safe. They were frequently intoxicated with music blaring as well as constant screaming before things escalated to physical fights. 

In any event they are saying we owe them money for moving out of an unsafe living environment. This HAS to be illegal, right? We completed our checkout with an employee named XXXX ( the General Manager ) who said all we owed for was new oven/stovetop drip pans ( which they accepted a check for ). Now, out of nowhere 5 months later we receive a " debt collection '' notice that has no merit. 

Thank you again for your time. Please let me know if you have any questions.
Consumer complaint received 2021-02-18
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. (TX)

On XX/XX/XXXX I received notification that a dispute I sent for two accounts that were previously removed in XXXX of XXXX due to identity theft were researched and now verified stating that they now all of a sudden belong to me. I have not once received any information on how the accounts were researched and what information could possibly be used to identify a fraudulent account. How is it possible for your company to complete an investigation and determine that my claim was valid before and and now months later your stance has changed. I have provided all required documents such as a valid police report identifying the accounts as well as the account numbers and the FTC report identifying that the two acconts you have listed were a result of theft, my valid ID and SS Card.
Consumer complaint received 2022-04-17
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. (FL)

n accordance with the Fair Credit Reporting act XXXX, XXXX 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 without my written instructions
Consumer complaint received 2016-08-02
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX IA XXXX To Whom It May Concern This letter is to request help ; we have just learned that our XXXX on our home with Rabobank has entered into foreclosure. We had a line of credit that we have been paying on without issue, it matured in XXXX XXXX which we did not realize and never received notice from bank. Around XXXX XXXX when payments were not being credited out our account correctly I went into the local bank in XXXX and learned our credit line was due and we need to refinance which I obtained the paperwork and began the process. Around XXXX of XXXX I learned that the bank had started the foreclose process and all paperwork which was turned into local bank was relocated to the foreclosure division. I worked with a XXXX XXXX whom turns things over to someone else about month ago. I have completed all items that I 'm aware of and not word or understanding on where we are in process. I want to save my home please HELP! 
Questions please let me know. 
Sincerely XXXX XXXX
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

I had a car loan with XXXX XXXX that was still showing open after I had paid it off, I sent a letter to equifax and the paid off letter from XXXX XXXX so they can show it as closed paid off. 

Instead of them updating the account they remove it completely, I have sent multiple letters and spoken to multiple people about replacing it and they ask me to follow the same steps over & over just not to replace this item back on my credit report,
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (TX)

Experian credit reporting agency refuses to remove incorrect information on my report. Experian is also reporting the wrong Social security number on my credit profile, and reporting accounts attached to a SSN that is incorrect The following companies has violated my rights in accordance with FCRA U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction 1 ) XXXX XXXX ) XXXX XXXX 3 ) XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXXXXXX 11 ) XXXX XXXX  12 ) XXXX XXXX
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (WI)

I applied for, was approved and received a Discover XXXX XXXX credit card. After receipt I activated it and registered my online account. The card was fully usable at this time. Several days later I received an email stating that my identification needed to be validated through XXXX using IRS information and my account was temporarily suspended until the process was completed. 
I called Discover and was told this was a new procedure installed to prevent identity theft. 
This is very puzzling because as as soon as I received the card I could have literally spent the entire amount of the credit limit. How does this prevent identity theft? Should this not be completed BEFORE a card is physically issued? 
Honestly this is the most useless identity theft prevention I have ever heard of. I am waiting to obtain the verification then will most likely close the card unused.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (CA)

Approximately 90 days ago, we applied for a simple refinance loan from Quicken Loans. With a credit score over XXXX we were told there should be no problems in processing this loan. We were told we were approved but since then, Quicken Loans has stalled and delayed for no known reasons. All documents have been given them. The original interest rate lock has expired due to their stall tactics and now they want to raise the interest rate and even if we were to agree they are unable to give a close date. They shuffle you from XXXX customer representative to another like some stereotypical car salesman. I paid them {$500.00} to cover the appraisal costs, but their stall tactics continue, in spite of their advertised promises. My desired solution is a refund of the {$500.00}. This company really should be investigated for possible violations. I will not do business with company.
Consumer complaint received 2022-04-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Last XXXX, XXXX, I updated my address with this XXXX  and XXXX  company you allow to also service federal loans. AGAIN last month I did it, but as you can see in our " chat '' they pretend they can not see it. The chat agent asked me to send her personal information in a chat, despite the fact that I was told NOT TO SEND PERSONAL INFORMATION. Tonight my credit card company informed me I have a negative rating on something. I logged on to see. I have almost an XXXX credit score. I have JUST PAID THIS LOAN IN FULL, but it is not posting yet. I logged on and I see that EVERY MONTH they are reporting me as " skipped, can not contact. '' THEY ABSOLUTELY CAN CONTACT ME because 1 ) my address has been correct this whole time and it's NOT MY FAULT they can't see it? Seriously? You need to investigate them. 2 ) I have E-STATEMENTS, and my emails come through fine and I have been communication during this whole time. Also, it should be noted, I have been AHEAD on payments for months, if not longer, though they charge DAILY interest and my 10 year loan become 20 " suddenly '' which is why they can't " see '' my address I am sure. They won't even respond to you. This is my THIRD complaint to you for THREE DIFFERENT REASONS and the first one replied only to say " they are working on it. '' You need to stop giving these predators a pass. They are conning the CFPB too. Even though I paid the loan IN FULL I plan to pursue further action to get a refund of the MASSIVE overpayment. But I was advised to do this. NOW THEY HAVE LIED ON MY CREDIT REPORT CAUSING A NEGATIVE RATING DESPITE THE CORRECT ADDRESS BEING SHOWN ON MY ACCOUNT. I have told them for months I can not update my address because I do not have ANOTHER ONE TO MAKE UP FOR THEM. The correct one is there already! 

They even harassed my friends to find the address they had all along, and my friends though maybe I did not pay my bills on time. They caused me great humiliation, pain and suffering FOR BEING AHEAD ON MY PAYMENTS AND BEING RESPONSIBLE ENOUGH TO PAY AND ALSO UPDATE MY INFORMATION. 

You will also note that the most recent account letter in my inbox online requesting recent contact info has my ACTUAL REAL UPDATED ADDRESS ON IT! I am being PUNISHED in real ways by their INCOMPETENCE! I can not " find '' another address. That IS my address.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (ID)

I submitted several disputes to experian and provided proof of XXXX XXXX account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had been a totally given up [ discriminated ] citizen who have lost many things in life. But recently., I had a chance to check my credit score with one of the credit reporting bureaus which encouraged me to try applying for a credit card based on the GOOD credit score that I had never had for more than twenty six years for some unknown reason XXXX. Despite the fact that I would not want to submit a complaint against my bank and a prepaid card [ XXXX ]., some weird or unusual thing happened when I tried to link my bank account to my debit card. A company which is called XXXX that would verify bank accounts rejected my attempt by claiming that the card I am trying to link is not a bank debit card but a prepaid card which must have been picked from any store which would sell a prepaid XXXX card. Despite the weird activity., I proceeded to apply for small line of credit with credit card issuing company which does not recognize my residential address as existent in the United States or Virginia at all. I managed to submit the application and it got denied at the speed of the same old story at the spot. I suspect permanent hoax.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 without my written instructions
Consumer complaint received 2022-04-16
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (MD)

I have contacted upstart numerous times as well as opened several disputes with every credit bureau regarding the inaccurate information regarding my payment history in XXXX of 2021 and XXXX of 2021. I have email statements verifying that I was never 30 days late in these months and yet none of my credit reports are being updated accurately reflecting my payment status with this account.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Convergent Resources, Inc. (NV)

XXXX XXXX XXXX I continue to dispute off my credit because I never received the box to even start table but they still charged me for something I never received never got to watch XXXX XXXX this happened last year I've been trying to dispute since they were not removed from my credit and it's big time impacting me I've been disputing for a whole year now and still nothing there's been sending me bills I even emailed them disputing it and nothing is done they continuously told me that it's mine and I have no choice but to pay them for something that I never got to even enjoy it's off one of my credit statements but not the other and that's really affecting me because it's a big mark and on top of that my name is not how you spell right
Consumer complaint received 2022-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

XXXX noted funds withdrawn from pre-existing XXXX high yield savings account to a capitol one performance savings not opened by consumer ( prior started application but decided against ) XXXX did not finish opening nor authorized transfer of funds from previous XXXX account to capitol one. 

Deceptive practice by capitol one during sign up process.
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (MA)

Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  MaXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/2022 XX/XX/2022 identity theft scamer got my social security number and I use the card and the company restricted told me to dupite of my credit report and call credit bureau did not work and the company rejected my payment and reject my work program and company told they did not work with 3rd person because of frustration account.
Consumer complaint received 2022-04-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: World Acceptance Corporation (SC)

- In accordance with fair credit reporting act XXXX XXXX - XXXX. Account number : XXXX - Has violated my rights - 15 USC 1681 section 602A states i have the right to privacy - 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent and or instructions.
Consumer complaint received 2022-04-16
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. (MA)

Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  MaXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-04-16
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (CA)

I received a letter that said that I owe {$29.00} dollars to general insurance. I paid the full amount of my debt. I get car insurance trough a brooker ( XXXX XXXX ) they are the one that switch my car insurance, the same day I switch insurance trough freeway, my debt was paid and set up another account. I always paid XXXX XXXX XXXX, and was not able to pay to general insurance directly and was not able to do any changes to my account directly. XXXX XXXX was responsable for any debt.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I have a credit card with Citi Bank, we paid $ XXXX by mistake on XX/XX/2022, When we realized on XX/XX/XXXX, I called customer service to refund that amount to my Checking account with Same CITI Bank or refund to the origin, from where the payment was done. They said there will be hold till XX/XX/XXXX then we will release the payment. I made complaint with CFPB XXXX on XX/XX/2022. They just linger ont the refund. Despite of several calling they are holding the money, which is not back yet as on XX/XX/202XXXX XXXX
Consumer complaint received 2022-04-16
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. (MA)

Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (CA)

Was informed that insurance was going to cover bill. The collection debt was paid XXXX XXXX ( XXXX ) via phone. After it being paid, was denied for it to be removed. I did not receive any notifications that bill could have gone to collections debt beforehand. Would like for it to be removed for home loan.
Consumer complaint received 2024-03-12
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. (IN)

I am writing to express my extreme dissatisfaction and outrage regarding the discrepancies found in my recent investigation of my credit report. Upon thorough examination, it has come to my attention that your agency has failed to ensure the accuracy of the information reported, leading to XXXX  distress and XXXX on my part. 

Under the Fair Credit Reporting Act, it is imperative that all information provided in credit reports be 100 % accurate. However, it is evident that several items on my report are unverifiable, invalidated, inaccurate, and questionable. This blatant negligence on your part is unacceptable and has undoubtedly caused significant harm to my financial well-being and mental health. 

I demand immediate action to rectify these egregious errors in accordance with the provisions outlined in the Fair Credit Reporting Act. Specifically, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in clear violation of failing to report accurate information. 

Attached to this correspondence, you will find copies of all letters previously sent regarding this matter. I expect prompt acknowledgment of receipt and swift resolution of these issues. Failure to comply will result in further legal action being pursued to ensure my rights are upheld and justice is served. 

I urge you to prioritize this matter with the utmost urgency and professionalism. My financial integrity and mental well-being are at stake, and I will not tolerate any further delays or excuses.