davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (GA)

On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

Between XXXX and XXXX of XXXX an individual attempted/suceeded in opening several accounts using my maiden name and previous address ( I was given this information by the fraud department of one of the accounts that was opened ). I was able to close two of the accounts and receive fraud letters for future reference. An account with XXXX XXXX XXXX was successfully opened fraudulently using my maiden name and social security number and previous address, this account apparently went delinquent and was sold to debt collectors. I have tried to reach out to XXXX XXXX XXXX and they can not find an account with my correct information and basically cut off the calls. I have never received any correspondence from MRS BPO ASSOC. XXXX XXXX XXXX XXXX XXXX, NJ XXXX in regards to this collections so that I may dispute it and forward it to law enforcement as well as an attorney. They have reported this collection on my credit reports, I have disputed this with the credit reporting agencies and have had it removed from two reports. This is straight up fraud, I have worked hard since my husband passed away in XXXX of XXXX to maintain what we had. This has caused me a lot of stress and undo time spent trying to remove this. There has been a fraud alert on my credit reports since I discovered this, as well as a credit freeze. XXXX XXXX XXXX opened a fraudulent account using my maiden name and social security number and they have sold it to debt collectors something needs to be done about this. I have had the same cell phone company for over ten years and it has been current. This needs to be removed from my name, it is not mine.
Consumer complaint received 2022-03-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

so here 's the deal. i bought a house last year, closed on XX/XX/XXXX and then right before i was to make my first payment, i was laid off. i immediately requested a 1yr deferral of payments per the covid bill which was granted. during that time, XXXX XXXX said their investors were also giving another 6 months on top of the 12 and i indicated i would like that just in case. 

shortly after, the loan was sold to Freedom mortgage who says they " arent sure '' if theyre offering the same 6 month extension even though theyve admitted that they have the same investors. they also fudged my paperwork and requested a restart of payments on XX/XX/XXXX instead of an EXTENSION as per the 6 months allowed by the investors, and on top of it, said my 1yr deferral expires this XX/XX/XXXX...... which is the 1yr anniversary of when i bought the house, NOT when i requested the extension. 

on the call today, Freedom mortgage said there was nothing she could do to get it out of a loan mod and in to an extension, and then when i said OK, you know what, i think its time i call the CFPB and the VA, she changed her tune to " oh you know what i can re request an extension '' when she said she couldnt 5 minutes before that. im over it now and clearly they are playing dirty, nor would she put in writing the requests i was making ( deferral for 6 months after initial 12 months expired, converted to 40yr mortgage and then interest only payments for the first 4 months after ). i told her this house has equity and i have a permit showing another 2 bedrooms im adding downstairs so you have nothing to worry about. 

time to possibly take l ; egal action or submit a complaint to you guys.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received in the mail on XX/XX/21 a credit card from Citizens Bank with a credit limit of {$11000.00}. I never applied for it. The number was XXXX. I also opened mailed yesterday and a personal loan for a XXXX was denied from CitizensOne the same bank. I called Citizens and reported it to them on XX/XX/21.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

On XX/XX/XXXX I went to the bank to begin the process of applying for a home loan. I got preapproved and put an offer on a house. Once the offer was accepted, I went back to the bank to continue the process and submit my application. The bank was able to pull my credit report for XXXX and XXXX but for some reason could not pull it for Equifax. They tried for multiple days before asking me to call Equifax and find out what why it could not be pulled. I spoke to three different customer service representatives, the first checked to make sure there was not a freeze on my account- there was not. She said the bank should be able to pull my report so I told the bank and they tried again, and again they could not pull the report. I called back and was told yet again they could not figure out why the bank could not pull my report. The customer service representative told me to create an account through myequifax.com in order to view my report myself. I tried to create an account and it brought up an error message and told me to call equifax, which I did. They could not tell me why I could not create an account. On XX/XX/XXXX, I figured it out on my own that if I created an account using my maiden name and not my married name that it allowed me to log on and view my report. I called Equifax and explained this. They FINALLY realized that they still had my in their system under my maiden name ( got married 2 1/2 years ago ) and my old address ( from 6 years ago ). They told me to fax over information to them in order for them to update it, and that i would take 5-7 business days. On XX/XX/XXXX I faxed over the information. I informed the bank that this was why it could not be pulled. The mortgage lender said she tried to pull my credit report using just my maiden name to see if that would work and it still would not pull a report. I went on XXXX and tried to order a credit report through equifax and was given a message that I could not order online through them, so I called. I am still waiting for that report to be mailed to me. We're also now on day 9 and the customer service representative I spoke to this morning said they had no received my fax with the information ... well he said, they either did not receive it OR they received it and have not updated it yet. He told me to fax it again. This has been going on for over a month now and the bank is waiting to approve my loan all because of this one credit report that I somehow can not receive. Please help.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

In accordance with the fair credit Reporting act, XXXX XXXX XXXX XXXX XXXX violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 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.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2022, contact by collection Agency due to an unpaid Capital One credit cart of XXXX. Never opened this account and have no knowledge of it. XXXX, received notice of suit in small claims court for balance. 

Request credit report and noticed two other cards, XXXX XXXX ( XXXX ) and XXXX card ( XXXX ). Have no knowledge of both, contact applicable companies and initiated fraud complaint. XXXX XXXX Police and made complaint ( XXXX )
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It was result of identity theft. 

Credit Mgmt LP - Opened XX/XX/XXXX, 2019- {$200.00} Original creditor : XXXX XXXX The last 2 address where I lived in the last two years not even was serviceable by XXXX XXXX. I called Credit Management LP, XXXX and XXXX mobile. All companies were not able to find anything under my name in the last 2  addresses where I lived. I have never delayed a single credit card and utility bill payment in my life. I was certainly a victim of identity theft. Please XXXX Credit Management LP and verify their reputation. They are known for scam people who have good credit scores. I feel myself with my hands tied. I have no information on this account.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (WI)

Hello, I work for a XXXX XXXX XXXX in Wisconsin. Several of our clients are reporting complaints to us regarding the debit card for child support. They are stating that when their card expires, they won't get a new one mailed to them. They also state that they have to prove their identity, such as email or fax a copy of their social security card, birth certificate, or drivers license ( id ). I have helped the clients do this and they still do not get a replacement card. Then they get put on hold for long periods of time and nobody answer their call. I tried to call the XXXX to help them, and even I can't speak to a human. The customer service is horrible and the clients get treated so badly. What are you doing to fix this?
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, I opened a complaint with your agency, case # XXXX, XXXX XXXX XXXX 
I signed up for credit repair services ( The XXXX XXXX XXXX ) and IdentityIQ services to monitor the changes, TWO days ago XXXX again hit my credit report with TWO MAJOR DEROGATORY items. I asked them to help me and XXXX refused. They have hacked me and hacked me to tears, I am trying to take steps forward and they are pulling into the ocean to drown. I have XXXX they can not offer a decent refinance loan to get them away from me because they are steady HITTING my credit report. I AM DONE!!!! either they close this off my credit or I am going straight into the XXXX XXXX with a lawyer supporting me. I am sick and tired of harassment. With my salary I could not afford to pay them!! I faced more hardship in the XXXX in 62 years than the XXXX XXXX  coming into XXXX have faced and as an XXXX citizen, I CANT GET HELP AND I PAY TAXES EVERYDAY??? Really XXXX??? The XXXX XXXX wont even answer my mail, he is RICH generating XXXX of computer NUMBERS. Well I am going to call on my higher powers even take this to national television!!!
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (FL)

I have NOT RECEIVED all of my parts per the contract. I HAVE made attemtps to contact the store via telephone, text, and email amd the XXXX XXXX XXXX XXXX tonwhich they are advertised. XXXX was the one who ensured the part would arrive with the unit it did NOT. My husband was present at the time of transaction and delivery when part was promised and when said part did not arrive I have all attempted call records.I have provided picture of the missing parts. The only 2 options are settle at XXXX and i will purchased the part myself as it isnt cheap or have the company deliver the item and i will resume payments. You are in breach of contract the burden of proof is on you and the store as i have physical documented evidence and pictures. You may correspond via email
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MA)

IAW 15 USC 1692 I sent a Notice and Demand to Validate Debt Claim to LVNV Funding LLC. I also filed a claim with XXXX. LVNV Funding LLC did NOT respond back within 30 days with the required information to validate that an actual debt exists. They did receive the notice and signed for it via Certified Mail.
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

I contacted the collection company and requested that they verified that the debt was accurate and mines and written proof. To no avail they in fact sent me a letter saying it was verified with a typed procedure and amount stating that is was verified and that I owed said debt. This is a Hippa a violation I in fact did not request for my medical records to be presented to a third party.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

On XX/XX/XXXX Medical Data Systems company uploaded an alleged itemized bills, consent and outline for services. While reviewing the documents, there is not a signed Notice of Privacy Practices for XXXX XXXX XXXX for the services outlined in the documents uploaded for the service date. All medical documents you uploaded are for XX/XX/XXXX, HOWEVER the Notice of Privacy Practices for XXXX XXXX XXXX you all provided was for XX/XX/XXXX ( also has a different name signed than the other documents ). Please provide a Notice of Privacy Practices/XXXX to release my XXXX information to you all signed for the date of service. Please delete this information from my credit file. I am allowed under the XXXX law ( XXXX XXXX XXXX XXXX XXXX XXXXt of 1996 ) to protect my privacy and medical records from third parties. Please see a copy of the documents you provided to me from my first complaint. 

Please delete this from my credit report.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (DE)

I made arrangements on this account XX/XX/XXXX and XX/XX/XXXX. During that time I was unemployed and there was a extensive waiting period for unemployment benefits. I was able to make payments with my income tax return and my stimulus check however with my unemployment still pending I fall behind on all my bills. 
I was in communication with XXXX XXXX. 
The late payments were reported to the credit bureaus. Per the CARES ACT if the borrower makes arrangements of any kind it is to continue to report the same prior to the delinquency. XXXX XXXX failed to report it correctly. And the credit bureaus have failed to comply to the cares act. 
XXXX XXXX Account Number : XXXX Late payments reporting XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (CT)

I was paying my car loan monthly when I went out of the country for a few months. I continued paying while I was out of the country and the car was parked while I was away. One day I got an alert from XXXX XXXX telling me that a repossession had been added to my credit report. I contacted my loan provider asking why my car would be repossessed when I am paying and the rep said my car was towed for parking tickets and they repossessed the car from the tow yard. I explained that I was out of the country and wasn't even aware that my car had been towed. They told me I would have to pay this huge dollar amount to get the car back which included two fees that they said they paid to get the car. I told them I could be back in the US in about a week and by the time I had gotten back they had sold the car. So now I have no car and a repossession on my credit report. I want this negative reporting removed because I was never even allowed to rectify the situation and I paid my own note every month.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

My personal information remains inaccurate on my credit file with Experian. I have requested several times for them to fix my address and social security number. However they refuse, they stated that they have the right to interpret the FCRA how they see fit and are not obligated to fix an inaccuracies even if the other agencies ( XXXX and XXXX ) have. I have signed return receipts for every time I submitted a dispute and Experian refuses to fix my file. I was even threatened by one of their supervisors XXXX whose in charge of the XXXX XXXX. At this point Experian is willfully ignoring my requests. I am distressed and anxious by this whole ordeal. I have been requesting my personal information be fixed since XXXX of XXXX.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Accounts : XXXXXXXX XXXX XXXX  ( Original XXXX XXXX ) : Account number : XXXX date XX/XX/2021 Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. 

15 USC 1692a ( 4 ) - [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment.

Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissable purpose and is a violation of 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ). Remove these inquiry as seen on my credit report.

see attached pdf
Consumer complaint received 2021-04-16
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. (CA)

Equifax and XXXX  should not be reporting the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account did not appear on my previous credit report however, it is appearing now. This account does NOT belong to me and is reporting in error. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of an account that has a collection/chargeoff that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd ()

On XX/XX/2019, I started a transfer from my borderless XXXX account to another account, the recipient details seems to be incorrect and transfers couldn't complete the payment, I wrote to them and tried to correct the details but my they deactivated my account instead and they advised me on XX/XX/XXXX that I'd have to wait for 60 days. 

I have waited 60 days already and these people still will not release my funds into the account provided to them ; they keep stalling and I am being told different things ; I contacted them last week on the XX/XX/XXXX and I still do not have my money. 

I am XXXX and In serious need of my money ; I am not appealing to use their services anymore, All I want is my hard earned money paid into my local account I have provided to them