davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my authorization or a permissible purpose, act 15 USC 1666 ( b ) - the truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This item CAPITAL ONE BANK USA N is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (TX)

This is the my second complaint with Equifax regarding their incorrect reporting of credit information from XXXX XXXX. The first was filed on XX/XX/XXXX XXXX. XXXX. Equifax responded on XX/XX/XXXX claiming that XXXX XXXX, the creditor, had verfied that the current status, prior payment history and balance were all reported correctly. Equifax today stills shows the negative ionformation regarding years of late payments to XXXX XXXX and charge offs on my credit report. 

However, in a separate complaint I filed on the same date, XX/XX/XXXX, against XXXX XXXX. XXXX, XXXXXXXX XXXX  responded in a XX/XX/XXXX letter apologizing and admitedly it was their bank 's error that had created the entire problem and critically that I had paid my account timely and in full before ever receving a statement on XX/XX/XXXX but my check was posted to an incorrect account. XXXXXXXX XXXX  stated they had 'requested the credit reporting agencies update their records to report a XXXX balance, remove the reported delinquencies, and report the acount as " closed by the customer. ' '' See XXXXXXXX XXXX repsonse in XXXX. 

Equifax 's claim that XXXXXXXX XXXX verfied all negative information was filed well AFTER XXXXXXXX XXXX  letter admitting fault and that the reported information was baseless and inaccurate and calls into question not only the accuracy of Equifax 's response but its truthfulness as well. Equifax was provided with a copies of the front and back of my check to XXXX XXXX which paid the balance of the account in full yet chose to ignore them.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (WA)

This is not a duplicate complaint. This is a new complaint. 
The complaint consist of two parts : 1 ) After my previous complaint they accepted my payment of {$10000.00} that was received on XX/XX/2021. The day before the payment is due they reversed the payment. That's already the second payment that they have not accepted. The first one was done through the XXXX  XXXX XXXX and they said that I sent it to the wrong address which is not true as the address was the same as all previous payments. They are obviously sabotaging my payments so that they can add late feed and other illegal fees that they are adding to the account ( see section 2 of the complaint ).

2 ) They sent me an amended payoff statement. They include bogus charges. That is clearly unfair, deceptive, and abusive policy. For every pay off they charge a Recording fee of {$180.00}, Late charges of {$130.00} even though their account is not overdue. They also add a Payoff statement fee of {$30.00}. These are basically mandatory fees that were added after my account was sold to Freedom Mortgage. Basically, everyone is charged this fee and it's automatically added to my mortgage once the loan is sold to them. They say that they are allowed to add fees to service the account, but this is not a service. They just add these fees to steal money from customers. 


I hope the Bureau will take action against this predatory company and stop this unlawful practice that violates the law and allows this company to steal possibly hundreds of thousands of dollars from the customs of the freedom mortgage.
Consumer complaint received 2021-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS refuses to abide by any rules and regulations listed under FCRA or FDCPA. In the previous complaint they stated Our client, XXXX XXXX XXXX/XXXX  XXXX XXXX, is a provider of XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX, FL. Which means that you are attempting to collect money on an account that you bought from someone else. This account does not belong to you and there for I am not legally obligated to pay ARS anything. Proof of debt owed, does not mean ARS has the right to collect on a debt.
Consumer complaint received 2023-07-21
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. (NY)

Student loans are considered " education records '' under FERPA. This means that they are protected by the privacy provisions of FERPA.

FERPA generally prohibits the release of education records without the student 's written consent.

The federal government guarantees most student loans. This means that the government will repay the loans if the student defaults. Therefore, there is no need for private credit reporting agencies to have this information on their credit reports. 

Reporting student loans on credit reports can have a negative impact on students ' credit scores. This can make it more difficult for students to qualify for loans and other forms of credit.
Consumer complaint received 2021-08-31
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. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I want to file a formal complaint against Midland Credit Management LLC for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that Midland Credit Management LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of these debt. 
I hereby declare my revocation of all communication channels with Midland Credit Management LLC including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Midland Credit Management LLC provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with Midland Credit Management LLC is blatantly false. I neither received any services or products from Midland Credit Management LLC or entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
Midland Credit Management LLC is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character.Midland Credit Management LLC has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report. 
Midland Credit Management LLC has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) This company is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means.

Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law.

The actions of this company constitutes clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ).

I am formally demanding the swift permanent deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions Account numbers XXXX XXXX
Consumer complaint received 2021-08-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act, and some account collection reported as an Open Account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (DC)

I am writing to formally address and request a resolution for the series of issues I have faced with Citibank. These issues have resulted in significant financial losses, consumed a considerable amount of my time and resources, and severely impacted the operations of my business, XXXX XXXX. Despite nearly a year of persistent efforts to engage with Citibank for resolutions, the bank has continuously failed to adequately address and correct its actions, notably misrepresenting my request for information about the account closure process as a directive to close the account. This action directly contradicted my intentions and significantly limited my agency in managing my financial affairs and business operations. 

Given the circumstances and Citibank 's inaction over an extended period, I seek the following remedies : 1. Financial Compensation : I request {$9900.00} in compensation for the financial losses incurred and the extensive time I have dedicated to addressing this matter.

2. Reimbursement for Fees and Penalties : Full reimbursement for all fees and penalties incurred due to the unwarranted closure of my account, as protected under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 15 U.S.C. 1693-1693r ; 12 CFR Part 1005 ). 
3. Corrections to Credit Reporting : All inaccuracies in my credit report stemming from this issue be immediately corrected in compliance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). 
4. Account Reinstatement : The reinstatement of my account or a comparable remedy is necessary to restore XXXX XXXX ' financial operations, which are facilitated by the oversight of the Office of the Comptroller of the Currency ( OCC ) and the CFPB. 
5. Formal Apology and Acknowledgement : Acknowledgment of the error, its profound impact on my personal and business financial well-being, and its commitment to review and enhance its customer service protocols to prevent the recurrence of such issues and ensure better communication and resolution processes for its customers. 

It is critical to underscore that Citibanks response to my inquiry about the account closure process by actually closing the account stripped me of much of my agency, leaving me with little control over my financial and business affairs. This response was unwarranted and unrequested, and Citibank has had nearly a year to review and amend its actions. Yet, the bank has chosen not to do so, continuing to place the responsibility and consequences of their actions onto me, the customer. 

I am thus compelled to seek the CFPB 's intervention to facilitate a fair resolution to this matter, ensuring that Citibank addresses and rectifies the issues in a manner that recognizes their severity and impact. 

Thank you for your attention to this serious matter. I await your prompt response and a resolution acknowledging the undue hardships imposed on me and my business.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

THIS IS NOT A DUPLICATE REPORT It contains items submitted today to government entities that XXXX XXXX will not address and accept. 

XXXX XXXX REFUSES to remove hard inquires from my report that are fraudulent. I did not apply for a XXXX at any time, and two accounts listed ( XXXX AND XXXX XXXX XXXX ) still remain. The other agencies have removed these. 

I was denied housing, one of the reasons was THESE HARD INQUIRIES as stated on the adverse action. 

ANOTHER was the fact that they continue to list the last fraudulent account out of 25 or more that were made while I was medically incapacitated and LEGALLY unable to make decisions for myself or take out loans etc. 

This was done DIGITALLY and since the person had access to ALL of my personal information and bank account, I had no idea it was done, had been done, or received any monies from the transaction or goods - or could have know of their existence. 

These items need REMOVED. 

EQUIFAX is also reporting the XXXX XXXX account and refuses to remove it. 

XXXX refuses to remove two items, including a XXXX account and the above mentioned XXXX XXXX account. The XXXX account was taken out during the same time frame in XXXX, but as many others did my LEGAL NAME was not used when opening it. I have asked for a SIGNED copy of the report, but it does not exist. The vendor stated " it was digitally signed. '' This fact made it EASY for someone to open this and over 25 otrher accunts as all they needed was my information and bank account info. NO attempt was made to contact me to verfy, or ANY other type of verification. This behavior is and continues to be reckless, and the company has nothing to lose as it then harasses vicitms to repay the monies taken out illegally, compounding the problem with PREDATORY behavior. In their own words ( and XXXX XXXX SAID THE SAME ) " we don't care who pays it someone will - whether they took out the loan or not. '' They are revictimizing people with this behavior. 

FURTHER, the XXXX account was opened with a false name I do not use, and had charges made XXXX miles from where I live in a short period then apparently thrown away. 

I have attached all the needed documents to do remove these and identify me. 

I AM NOT MAKING THIS DISPUTE IN ERROR. 
I AM NOT MISREPRESNTING FACTS. My XXXX through XXXX and the documented reports from LAW ENFORCEMENT ( APS ) verify both the injuries, circumstances, and the crimes committed against me. 
I HAVE NOT RECEIVCED GOOD OR SERVICES AND AS A REULT OF MY DISABLING INJURY COULD NOT HAVE BEEN AWARE OF ANY GOODS, MONIES OR SERVICES RECEIVED. 

The agencies CONTINUE to send CANNED responses simply stating I did one of the above. 

IT IS NOT THE CASE. 

I HAVE SUBMITTED FTC ( newly filed today ), CFPB ( NEWLY FILED TODAY ), XXXX and LAW ENFORCEMENT ( APS ) files to the agencies. XXXX IS A LAW ENFORCEMENT AGENCY AND HANDLES VULNERABLE ADULTS LIKE MYSELF.
Consumer complaint received 2021-08-31
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. (NV)

I submitted disputes and an FTC report for a fraudulent hard inquiry. 

Transunion - XXXX XX/XX/2021 XXXX - XXXX XXXXXX/XX/2021
Consumer complaint received 2021-08-31
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. (AZ)

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 2023-07-21
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. (NV)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2021-08-31
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. (NV)

I submitted disputes and an FTC report for a fraudulent hard inquiry. 

XXXX  - XXXX XX/XX/2021 Experian - XXXX XXXXXX/XX/2021
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (TX)

After sending a certified letter with other documentation showing the errors ( Bankrupcy ) on my credit file, not getting a response in 30 days, having to contact the CFPB to hold them accountable, Equifax sent me a letter and a new credit report stating the info was verified through XXXX. XXXX sent me a letter stating that there is no bankrupcy showing in my personal file. I call Equifax and stated that they lied about the bankruptcys being verified through XXXX and the info needs to be deleted immediately. They refused to delete the information stating I needed to send them a document from the court stating I did not file for bankrupcy. I told them that I am not obligated to do so. I told them they have false and damaging information on my credit file and it needs to be deleted immediately, I also stated I need a new credit report showing the deletions. At this point the fact that they lied about the verification and refuse to remove the information, it is a violation of the Fair Credit Act and I am going too sue due to the amount of denile of credit I have been experiencing in the past year.
Consumer complaint received 2021-08-31
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. (NY)

Transunion has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work with them.
Consumer complaint received 2021-08-31
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. (NY)

I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX ; Account #  XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX