davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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. (TN)

By the provisions of the Fair credit reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC Section 1681i ( a ) you must complete this reinvestigation within XXXX of receipt of this notification. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no fee for this updated report. I request you please send notices of corrections to anyone who received my credit report in the past in the last past year that are not attached to an account. 
Below are a list of account that need to be immediately deleted. None of the inquires where authorize by me nor are they attached to any open accounts. 


XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX  XXXX - XX/XX/XXXX Equifax  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax 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 consumer reporting agency can not furnish a account without my written consent. 
15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Mostly importantly they are not in compliance with metro credit reporting. I have evidence to prove my case.
Consumer complaint received 2019-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

A debt collection company called " Dynamic Recovery Solutions '' has been harassing me non-stop daily for about 6 months now. They are calling about a debt that is years past the statue of limitation. They are trying to trick and bully me into making a payment to reset the SOL. I have asked them repeatedly to stop calling me and to take my number out of their robocalling system. They have ignored me even though I have stated the debt is not valid and I am on the do not call registry and do not give them permission to call me. 

I would like to take legal action against this company for harassing me almost daily with robocalls. I am now starting to keep a log of these daily calls to sue them. In the past they have called around 30 times so far. They call at all times of the day and night, weekends as well. They are relentless and these calls are giving me mental and physical stress. 

Please help.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

I leased our family car in XX/XX/2013 3 years into a perfect record in payment I was left alone financially with my XXXX XXXX children. Car was reposed as I could not keep up payments. It is showing now 3 years later as still open on my credit reports. I have disputed with all 3 bureau 's and original lender. All to no change in my life is suffering due to it.
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)

The account XXXX XXXX XXXX  is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX XXXX XXXX. XXXX XXXX XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX XXXX XXXX  account must be deleted from my credit report
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In XXXX of XXXX, someone fraudulently opened a credit card account with USAA in my name and started taking cash advances. I told USAA it was fraud but they didn't believe me and repeatedly told me I had to pay the balance. For months, I spoke to people at USAA who told me they would help but the bank made it impossible to reach anyone who actually had the power and desire to help me. I just kept getting told it wasn't fraud and I was responsible. Finally, on XX/XX/XXXX, I submitted claim XXXX with the CFPB. Two days later, I got a call from USAA 's office of the CEO and the next day they called back to tell me it wasn't fraud and they would delete all negative information from my credit report. On XX/XX/XXXX, I received a letter from USAA stating the account was a fraud and they would delete the credit inquiry from my report. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX XXXXXXXX from USAA 's office of the CEO to verify they would delete all of the information, not just the inquiry. She never called back. I tried her several more times and never got a response. On XX/XX/XXXX, I sent a letter to CFPB and USAA explaining that USAA has not done everything they were supposed to. On XX/XX/XXXX, I got a call from XXXX of the CEO 's office who said he would look into it. On XX/XX/XXXX, XXXX called again and told me USAA should've paid off the debt internally so they could report to the credit agency that the debt was settled but he didn't know why that didn't happen. He said it would be cleared by XX/XX/XXXX and my credit report would be updated by 45 days from then. On XX/XX/XXXX, I checked my credit report and the delinquent payment was still there and my score was still 200 points lower than it should have been. I called XXXX and got no call back. On XX/XX/XXXX, XXXX called and left me a message. I finally got in touch with her on XXXX. She said she would figure out what happened and get back to me. I left several voicemails for her over the following week and a half but got no replies. I sent new letters to USAA and CFPB on XX/XX/XXXX. On XX/XX/XXXX, XXXX from the CEO 's office called. He said he had to contact the credit department to find out what happened and would call me back by the end of the week ( XX/XX/XXXX ). I never heard back from him. I left voicemails for XXXX on XXXX, XXXX, XXXX, and XX/XX/XXXX. I got no responses. USAA continues to ignore their responsibilities and how much this issue is affecting me. My credit score is still approximately 200 points lower than it was prior to the fraud.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

This is regarding my Citibank AAdvantage Platinum Credit Card. 

There was a company I had transactions with prior to XX/XX/XXXX. Sometime between XX/XX/XXXX and XXXX XXXX of XXXX, I had lost my card and noticed this within the next few days, at which time I called Citibank to report my card lost or stolen. There were 12-18 charges made between XX/XX/XXXX and XX/XX/XXXX on this card by this single merchant. When complaining to Citibank, they originally marked it down as fraudulent, some as dual charges, overcharges, or have not received the service. All of these were marked incorrectly and I therefore had to call back 7 documented times to report that these were UNAUTHORIZED charges and should therefore be removed from the account. Citibank has gotten responses from the merchant that there is verification of a charge. After reviewing the responses with Citibank, it was determined that there is no proof I made the charges, rather that my card was simply used. I was also informed that since Citibank did not document the dispute properly that I have a higher chance of losing. I spoke to people in group ID XXXX to discuss. One of those spoken to was XXXX who had promised to fix it all on XX/XX/XXXX. 3 more calls had to be made afterward and nothing has been resolved. Currently Citibank is charging me for over {$4000.00} of charges that I have not made. My response was to please prove that I personally made the charges being that there will be no way to prove it being that it wasn't actually me. Citibank at one time had the merchant on the phone on XX/XX/XXXX. Citibank was ok with the questions the merchant was asking such as : what is your social security number. This is all on the recorded call on that date. I do not believe a merchant has a right to ask that, nor do I believe Citibank should agree with such action. 

Overall, Citibank has treated me horrendously through the process and I am looking for some way to challenge these charges and not have to pay for charges I have not made.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Avant Credit Corporation (IL)

On XX/XX/XXXX I was notified that there was a cyber security attack, that resulted in the exposure of personal information of XXXX XXXX Hospital Employees. The breach effected those that were hired between XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX to the present, I have been receiving phone calls from debt collection companies that I don't know anything about.My lawyers suggested this step in the process of recovering my identity.

These companies include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found (TX)

On XX/XX/ I made XXXX debit transactions and accessed my Found Banking app to check my balance. My account was then frozen for unusual activity. The debit charges were for {$43.00} and {$10.00}. I have routinely used this account in this manner. 

The application wants me to verify my identity and I can not get the app to work with my device. 

This is my business account and I do not have access to my funds despite sending the requested documents as attachments to the representative via email. 

It takes hours to days to get a response and they had no one to assist me over the weekend. At this time they are refusing me access to my account thus freezing the commerce of my small business. 

I can forward the email thread at your direction to give you a clear understanding of the conversation, dates and times.
Consumer complaint received 2019-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

ON XX/XX/2019 at approximately XXXX I applied for a business credit card online through spark capital one. The application asks for my EIN number. It also asks for my social security number under the owner. When I put the cursor on the? under ss. It states that it was only asking for your social security number for identification purposes only. As soon as I submitted the application, I got an email on my credit alert. It stated I received an inquiry and my credit went from exceptional to good because it lowered my points with the inquiry. I called Capital One immediately and was told that this was part of the process. I explained to her that it was misleading. I have 4 cards with capital one already and this account was strictly business. I pride myself on being responsible with my credit and not over using not getting too many inquiries. She would not remove it saying this is the process. I NO LONGER WANT a business card with them. I am LIVID!!!!
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was recently reported late on my XXXX account. I made a very small purchase and later exhanged/returned items. It was my understanding explained to me from the cashier that I did not owe a balance. Therefore, this small balance slipped through the cracks and ultimately caused me to be late. This is an honest mistake and I kindly ask XXXX to reverse the late payments as a sign of good faith and goodwill. My credit is suffering from this honest mistake and I am unable to get reasonable financing terms for day to day living expenses. Please help with removing the lates associated with this account.
Consumer complaint received 2022-10-12
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: ALLY FINANCIAL INC. (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/XXXX XXXX XXXX 2021
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TCF NATIONAL BANK (MN)

XX/XX/2019 TCF agreed to stop collection as you can see in my cfpb account. XXXX XXXX filed derogatory report on my credit account on XX/XX/XXXX and XX/XX/2019. Please help me stop it as promised. Thanks!
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I XXXX XXXX XXXX sent XXXX XXXX a letter requesting that SPS stop the XX/XX/2023 foreclosure auction on my home. The address of the property is XXXX XXXX XXXX, XXXX, GA XXXX. SPS and XXXX XXXX refused to answer my phone calls. I would like for SPS to stop this sale date and find a solution.
Consumer complaint received 2021-02-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

I'm a veteran in a 30 year loan, my mortgage company is PennMac, whom offer to refinance my loan at a Fix Rate of 1.999 %? interest rate.so they sent me a Loan Cost Agreement Disclosure Package, in which Instead there was a disclosure of a floating rate agreement, in which they insisted I sign, and then durning the final paper work would then sign into a fix rate agreement? inwhich I could've go into a much higher interest rate then I already have, if I were to sign this agreement.this was an act of deceitfulness, especially when other lenders told me that interest rate of XXXX doesn't exist on todays Mortgage market.it was an outright act of deception.and if I had sign, that float rate agreement my mortgage payments could've Skyrocket, into not being able to afford to pay and losing this home.but through his Grace I didnt sign that selling Of souls deception of promises.they need to be review interrogated and question on their acts of decivefullness practices, and their my mortgage company at that?????? 

XXXX XXXX  XXXXXX/XX/XXXX Veterans XXXX XXXX XXXX
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

There were three Unauthorized transaction performed by JP Morgan Chase on my account on XX/XX/18, XX/XX/18 and XX/XX/18. The money were sent to XXXX XXXX without my permission and knowledge, Bank owes me my {$24000.00} I reviewed page 21 of Deposit Account Agreement, under section E, titled In case of Errors or Questions about YOUR Electronic Fund Transfers, it does not apply to this transactions because they were not MINE. If it was mine it would apply to my case, but transactions were not mine, I was not aware or authorize these transaction in any way shape or form. Account was mine, money were mine but actions were by JP Morgan Chase. 
This section applies to the case if I sent {$8000.00} instead of {$80.00} or changed my mind. This is not a case, I did not send my money to XXXX XXXX, the money were sent without my permission or knowledge. 
Claim handler XXXX about whom I complain. I is very unprofessional in handling my claim, first of all he has no idea how alerts work, second stubbornly treats transactions my account as they were MY transactions, while those transactions are all done UNAUTHORIZED without my knowledge, but on my account, thirdly he is never at his desk or never pick up his phone. Left him a message for 12th time. How can I defeat this tremendous bureaucracy and get MY money stolen from my account???

Also I am in possession of two checks {$6900.00} and {$8000.00}, they are issued in the name of closed and nonexistent account, my instructions were to deposit my money to my other related business account. The checks are good only for next 10 month, I am retired and living in XXXX, have no plans to visit US in the next 10 months, so money supposed to be deposited according with my instructions to my other business account XXXX XXXX XXXX. {$6900.00}, {$8000.00} and {$24000.00}.
Consumer complaint received 2019-04-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

My house is in legal status and my mortgage company wants to reinstate my loan for {$5000.00} and then continue monthly payments and I dont have a way to get {$5000.00} and i was wanting to start making my monthly payments and have vanderbilt consider a balloon payment to help save my home
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a dispute on a collection account that does not belong to me to Equifax on XX/XX/2019. The account was on a late {$110.00} utility bill from XXXX, and I have never opened any account with XXXX. 

In fact, this is not the first time that this {$110.00} XXXX bill has been put on for collection for me. In XX/XX/2019, it first appeared and I have successfully disputed this collection account from my report. It XX/XX/2019, I noticed that it has reappeared, so naturally I disputed again. 

On XX/XX/2019, I receive Equifax 's decision regarding my dispute, and they " verified that this item belongs to you ''. 

Just for context, I have submitted the same dispute to all three credit reporting agencies on the same day and one of them has already verified that the account doesn't belong to me and has remove the account from my credit report.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ID Analytics, Inc. (PA)

Since XX/XX/2019 I have been involved with an ongoing dispute with Sagestream LLC. They provided information that caused me to be denied a loan. They have not answered any of my questions satisfactorily, they have used legal jargon to obfuscate the true meaning of there intentions, and they have shirked responsibility at every point possible. Recently, they denied giving me any information based on the fact " My identification I sent them was blurry. '' They had my phone and fax number so they could have contacted me using either of those to tell me my identification wasn't acceptable but they chose not to which leads me to believe they are deliberately and maliciously withholding information from me and I accuse them of which. In their responses they keep stating : " SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors ''. however this is affecting my life due to the fact I have been denied credit based on the information in their reports.
Consumer complaint received 2020-02-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC (CA)

A company of helping to buying homes ran my credit by error when they put my information instead of someone elses information. This happened on XX/XX/2019. I called them to find out what happens to why I had my credit score checked and they said they had done it by accident. I told them I wanted my credit check to be removed. It is still there.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (NY)

a bank to bank transfer ( ACH ) missing- peoples/M & T debited my account on XXXX. the funds were to be credited to XXXX XXXX. as of today the money is missing-
Consumer complaint received 2020-08-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

Hi, I was offered a Title Loan at 11 % interest. Ur the terms were not explained to me when I signed for the loan. They are charging me {$460.00} a month in just a renewal fee that they say only pays the interest and nothing to principle. 

The company is TitleMax In XXXX, Ga Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX And phone number is XXXX