davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In 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 2019-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (DE)

XXXX continues to furnish information on credit file. Im unaware of this account. Ive made several attempts to contest to contract, in addition validation of signature, company failed to comply according to FCRA Guidelines.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I went into XXXXXXXX XXXX in the area i am located and i tried to open up a business bank account and credit card at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX XXXX was very helpful we attempted to process the application but unfortunately i was denied and given a document but i was unable to open up the account i asked the bank rep why and he told me he didnt have a number i could call but to contact THE CFPB i told him i was aware that my information had leaked and i was a victim of the Equifax XXXX XXXX incident, and he said his system rejected me because my info was a part of a trade disclosure of use of information obtained from an outside source or some type of fraudulent alert i filed this complaint to get some transparency and to have these alerts or information removed from my credit because its preventing me from obtaining credit and opening up a bank account. there has to be some other way to cover or remove this info from reporting so i can be able to open up an account as a consumer right i don't have any other idea why other than what he saw on his screen. i didn't have any alerts or credit freezes on file i removed all the fraud alerts from my credit beforehand but the way my information is reporting to other agencies is preventing them to extend credit. im aware that credit agencies may disclose that my info was involved with the incident to other agencies being that my personal info was a risk because to the Equifax data breach but to get denied because of the way my information is reporting to the banks im just seeking help on the situation make it make sense if i cant use my personal info?
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (CA)

Equifax has been restricting my online access and denying the dispute I had for an account that was originally reported by Department of Education Debt Resolution Group. Today I had received a letter from Department of Education confirming the deletion of the account with all credit reporting agencies. Both XXXX and XXXX had deleted the account off my credit report. The only one that has not processed the deletion was Equifax. They've not being cooperating with the request at all. Instead, they restricted my report online access, they also added some random name on my report. I still can't access my online account even after uploading my selfie, ID and social security card. Which is unacceptable. I've attached the letter sent by Department of Ed confirming the deletion. I need Equifax to delete the collection account and the other person 's name off my report, also restore my online access.
Consumer complaint received 2022-05-31
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. (MS)

In accordance with the Fair Credit Reporting Act DPED XXXX Account # XXXX, Account # XXXX, DPT EDXXXX Account # XXXX, XXXX XXXX  Account # XXXX, Account # XXXX, XXXX  Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # 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 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

XXXX divested their retail bank to Citizens Bank XX/XX/2022. I received a letter with my new account details, but no credit card, debit card, nor online access. 
I rang Customer Service in XXXX to update my XXXX cell so I could enroll online but after XXXX hrs on call the agent said it wasn't possible ( XX/XX/XXXX as I needed an active cell on profile to receive security code from agent ). They acknowledged they had made a mistake not sending me banking cards. I rang again XXXX to talk to someone else and was left on hold for XXXX. 
I then raised complaint XXXX XXXX with you, and XXXX XXXX from Citizens Chairman Office contacted me by email XX/XX/XXXX with some options. I asked her via email to set up a call and left a voicemail with no response. XXXX XXXX contacted me on XX/XX/XXXX, I also asked to set up a call with no response. I continued to receive letters in the mail with no option to resolve my issue without calling Citizens Bank. 
I finally got onto an agent XX/XX/XXXX, after several further failed calls with Customer Service line and Chairman 's Office. I finally got to an agent ( who was unable to help ), then transferred to someone in Online Banking who was able to enroll me using alternate security questions. This issue has taken more than 2 months and at least XXXX of my time to resolve. If I had needed to rely on that money for rent, I would have been homeless, which is unacceptable service from this financial institution. Would like this noted on record and used as a teaching tool for customer service agents, as only XXXX out of XXXX was able to resolve my problem.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE. 

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!!

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!!

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!
Consumer complaint received 2022-05-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

* In XX/XX/XXXX, my husband and I applied for a mortgage through Rocket Mortgage.Our primary mortgage is with them and it appeared to be a seamless process. We were pre-approved for a mortgage and then upon providing additional documentation, we were approved for XXXX mortgage. 

My parents reside in Florida and are elderly. We planned on purchasing a condo near them to assist them as they move on in age. Upon mortgage approval, I flew form NY to FLA to secure a home. 

We found a condo, had an accepted offer, paid for inspections, and condo association fees. 

A bulk of our down payment ( approx XXXX ) was derived from the sale of an investment property we sold on XX/XX/XXXX. We provided HUD and closing documents to demonstrate proof of funds. We dilgently checked the Rocket portal to ensure a XX/XX/XXXX closing. I spoke countless times with Rocket regarding the sourcing of these funds. When inquiries were made that their appeared to be a discrepancy ( in our favor ), we put Rocket in touch with our attorney who provided all of the documents needed to close. 

On XX/XX/XXXX at appromixately XXXX, Rockert informed us that we never should have been approved for the loan in the first place and that Rocket would absorb related costs ( flights, inspections, etc. ) as it was their error. We were informed to contact the escalation dept. 

We registered our concern, provided receipts demonstrating fees incurred, and time line. One week later, we were informed by Rocket Mortgage Resolutions Advocate, XXXX XXXX that our case did not warrant reimbursement despite being told by our Rocket Mortgage loan officer we would be reimbursed. We have copies of emails and voicemails supporting that Rocket Mortgage would reimburse us and 'make this right. ' Upon speaking with XXXX XXXX regarding the decision that was made with her leadership team at Rocket, we inquired about where we could register our concerns about our treatment. We requested oversight agency information. XXXX XXXX said she was unaware of such agencies and that we should check the Rocket Mortgage website under " contact us '' for additional information. All of our phone calls are recorded with Rocket per their policy to support this claim. 

We have asked several times through phone calls and emails why it was a mistake that we were approved for a loan in the first place and as of XX/XX/XXXX, we still do not have an answer.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (HI)

Final payoff check for auto loan was XXXX to Chase Banks physical overnight address on XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX TX XXXX. Packaged was signed and delivered by XXXX XXXX at XXXX on XX/XX/2020. XXXX envelope contained check # XXXX dated XX/XX/2020 for {$15000.00} for final payoff. As of XX/XX/2020 check still has not been cashed and now I am showing 30 days delinquent on my credit report. Ive provided all necessary proof to Chase bank and they still have not rectified this situation.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

My credit report is showing inaccurate information on all 3 credit reports from XXXX, Equifax, and XXXX for the following companies listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are late payments and transactions being listed on all three reports. 

Per 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 any purpose.

The Privacy Act of 1974 - my rights to privacy have been violated.

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (NC)

I have submitted two typed/written letters sent certified mail to RMP ( Receivables Management Partners , LLC ) to validate the debt and the letter specifically asked them to stop communicating with me and ; All future communications with me MUST be done in writing. However, they are still calling and have continued to call my cellphone. I sent the first letter on XX/XX/XXXX and sent the second letter on XX/XX/XXXX. They have not validated the debts and they continue to call me and fill up my voicemail on my cellphone ; so no other calls can get through. 
XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX pm XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX, XXXX
Consumer complaint received 2019-07-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (CA)

XX/XX/XXXX To whom it may concern.

On XX/XX/XXXX I contracted with Wilshire Consumer Credit / Westlake Financial for an auto title loan. I have satified the standard amortized 36-month loan with 36 full payments but the company now tells me that I still owe {$790.00} after the last installment was paid in full on XX/XX/XXXX.

The following details come directly from the contract 's Federal Truth In Lending Act Disclosures page : Amt Financed : XXXX Finance Charge : XXXX Total of Payments : XXXX   Interest Rate : 83.49 % Number of Payments : 36 Mo. Installment $ : XXXX Payments due starting : XX/XX/XXXX Again, I paid my last ( 36th of 36 ) payment of {$200.00} on XX/XX/XXXX. There is nothing on the contract disclosing any extraordinary fees, monetary amounts ( ie. balloon payments ) or conditions -- it's a standard amortized loan contract.

My loan has never been in default or ever had a 'balance due ' from a previous month. Over the account 's 3 years there were 3 small issues detailed below : I. Twice I've been late on a full installment payment by the due date but both monthly installments were paid in full before the next installment cycle -- never 30 days late. Never was a balance forwarded to the next month, and the two late payment fees of {$10.00} were paid before the next month 's due date. Every month my account has been " current ''.

II. In XX/XX/XXXX I requested an extension due to financial hardship. My extension was approved by Wilshire for the month of XX/XX/XXXX and my XX/XX/XXXX statement reflected the appropriate monthly installment of {$200.00} ( no past due, penalties ... ). This extended my loan 's maturity date one month from XX/XX/XXXX to XX/XX/XXXX.

Again, my account has always been current and has never had a monthly balance forwarded to the following month.

I called Wilshire last week ( XX/XX/XXXX ) regarding this {$790.00} balance. The agent gave a few 'possible ' reasons for the remaining balance but I pointed out none of his 'possible ' explanations were accurate. He obviously was, or pretended, to be incompetent regarding amortized installments loans and the specifics of my account. I requested to speak with a supervisor to get an accurate and truthful reason for the remaining balance. I again explained that I've paid 36 full installments and have never been in default or more then 30 days late on a payment. The supervisor could only tell me that the statement showed the balance and that's what I owed.

I can't get any accurate information from Wilshire. Your help is appreciated. 

Thank you.
Consumer complaint received 2022-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit report is showing inaccurate information on all 3 credit reports from XXXX, XXXX, and Transunion for the following companies listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. There are late payments and transactions being listed on all three reports. 

Per 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 any purpose.

The Privacy Act of 1974 - my rights to privacy have been violated.

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/2024, I reviewed my credit report and noticed that the above account XXXX XXXX  was on my credit report. I called XXXX XXXX this morning and talked to XXXX in the Fraud Department . I explained to her that I did not open any account with them, and I don't know who they are. One of the things she said that I would have to reach out to the credit bureaus and then get to/them. I called Equifax and had to go through their answer questions pertaining to my credit report in order to speak to someone and that didn't work out. To look at your credit report and see that someone open a credit card account in the amount of {$10000.00} in your name, and XXXX XXXX reports it and Equifax signs off on it by reporting as well, who can you trust? 

It's very frustrating when you explain to company/companies pertaining to a matter like this that you did not open this account with them, and they give the third degree and run around. Some of these companies and the credit bureaus are quick to report late and missed payments, but when you try to clear your name, it takes weeks, months and possibly years to clear name and to recover from it as well. For resolution, I want this account deleted from my Equifax credit report. And I'm seeking {$1000.00} per violation of the Fair Credit Reporting Act ( FCRA ) from both XXXX XXXX XXXXXXXX XXXX  for reporting fraudulent and false information onto my Equifax credit report. And Equifax for not conducting a proper and thoro investigation of a consumer 's personal information before reporting it onto their credit report.
Consumer complaint received 2022-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (PA)

I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing XXXX XXXX score from increasing. The four companies are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred XXXX. I filed police report and secured my credit record with Identity Theft security. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these XXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX... 

Your time and thoughtful consideration are greatly appreciated. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

Ncb management services trying to collect a debt thats not mine also I sent validation letters Over 60 days ago never heard a response for this Company I need signed documentation copies of my signature for this type of loan I never do any business with this company
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX