davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (TX)

This morning around XXXX of XX/XX/2019 I withdrew XXXX $ from a gas station ( its maximum withdrawal amount ) and went to XXXX to withdrawal another XXXX for a total of XXXX at around XXXX XX/XX/2019 however it wouldn't go threw and now have a fraudulent suspension on my account I need to pay rent today and my phone bill and I've been on hold for as of XXXX with no answer. I've been doing this same thing for the last 7 months living down here in Texas and this is my only issue but its a big one.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRIES AND I DO NOT KNOW HOW AND WHEN SUCH ACCOUNTS WAS PLACED ON MY CREDIT. BECAUSE OF THESE NEGATIVE ACCOUNTS MY CREDIT IS IN A VERY HORRIBLE STATE. IT HAS ALSO BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-09-30
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. (SC)

I have repeatedly filed disputes and complaints with and against Equifax, since XXXX, on information contained in my credit report. I have contacted companies that have requested credit information with out my approval and while my credit report is on a legislative security freeze, and have submitted these letter many times to Equifax. Equifax continues to not remove these inquires as well as accounts that are aged and should be removed. I have also contacted via telephone and was told that Equifax could not provide any assistance or remove any information. 

Once again, on my last attempt to file a dispute with Equifax with report number XXXX there were no corrections. Equifax continues to do nothing. Disputes were filed with Equifax within 30 days of being notified of the credit inquiry. 

The following credit inquires were no authorized nor was I ever contacted by these companies per the Legislative Credit Freeze. 
XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  - Card Services ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Aged Accounts to be removed. 
XXXX XXXX XXXX XXXX Account not mine. Have submitted letter from company stating that they do not have my information. 
XXXX
Consumer complaint received 2019-09-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

I mailed LVNV Funding LLC a debt validation letter this past XXXX about a debt that is on my credit reports ( I will mail them another one if they did not get the first one ). They have not sent me written verification of this debt. Instead, Resurgent Capital Services has intercepted my request.This is in direct violation of the FDCPA because it is false or misleading representation and they are not the current owners of this debt. 

I would like a response from LVNV Funding LLC and only LVNV Funding LLC regarding my debt validation request. I want to make sure that the company that owns this debt can prove that it is mine. Resurgent Capital Services are trampling over my rights as a consumer by impeding my debt validation request. The FDCPA was partially created to prevent unscrupulous unlawful debt collection companies from abusing consumers by using deceptive tactics which is exactly what Resurgent Capital Services is doing. The form that Resurgent Capital Services sent me is very deceptive because the form has their letter head and company logo on it. This creates a false impression that someone other than LVNV Funding LLC can collect on the debt. This scheme is a blatant infraction of the FDCPA.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Dear Sir/Madam : on or about XX/XX/2024, I submitted a claim for Equifax Data Breach Settlement . Since, I have not received a response from Equifax in regards to the status o my claim, I sent them and email requesting the staus of my claim ( see attached ). 

Equifax acknowledged receipt of my email, however, they refuse to tell me the status of my claim.
Consumer complaint received 2019-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

This is the second time this problem has happened with US BANK. I login to the app two weeks ago and the US BANK app tells me my available balance was XXXX dollars maybe a little more. This was around the time of XXXX XXXX. I made a few purchases that were no more than XXXX dollars. After I made those purchases my account was still positive {$15.00}. I hadn't checked my account online for 6 days. When I log in on that 6th day I see that my account is in the negatives and that two overdrafts fees were applied tAVAo my account 5 days after i made any purchases. When I called US Bank someone told me that my account was already in the negatives when I made those purchases. I was told that several times. They kept telling me that I was look at my account balance which is wrong!! When I log in to my account my AVAILABLE balance is the first thing I see. SO I hung up the phone. I go into the bank branch in XXXX XXXX last week they told me something different. I was told that I never had XXXX dollars as an account balance or an available balance. They refused to refund my account for all those overdraft fees. I am very angry with US BANK because i keep several different things from over the phone and from the branches themselves. I can't take screenshots of my account when I am logged in on the app so I can never prove to them that I'm not wrong!!! If this happens a third time, I'm filing a lawsuit, This bank is wrongfully taking money away from me and I can't prove it because I can't screenshot what the app is showing me about my account. There are huge discrepencies in US BANK 's system. I tried to open up an account with a different bank but I can't because I " OWE '' US BANK money. I don't owe them anything. This is a horrible bank who REFUSE to admit they are wrong. I want XXXX dollars refunded back to me and I want the option to close my account and take my money and business elsewhere to a different and better banking institution. This is the second time this has happened!
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OK)

As of today, XX/XX/19 ( XXXX time zone ) my credit card balance, on both the Citi mobile app and the Citi automated phone system, reflect a recently made payment. However, my card was denied due to the balance of my card being over my credit limit. When I called Citi and spoke with a representative, they explained that while the payment was received on XX/XX/19, the payment has not been posted. In order to expedite the payment posting, I will need to coordinate a third-party verification between my bank and Citi, or wait until the hold is lifted in a few days. This is most inconvenient as I made the payment a week in advance of traveling internationally with the expectation of being able to use the credit card. Additionally, my bank is not open on the weekends, and I will have to wait approximately 36 hours from now to resolve this issue myself by coordinating a call between my bank and Citi. This is outrageous. Citis inability to accurately portray my credit card balance is the definition of an unfair, deceptive, act or practice, as all information provided by Citi reflects that the payment has been made and credited towards my outstanding balance.
Consumer complaint received 2019-09-21
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. (PA)

There is a hard inquiry for XXXX XXXX on my Equifax credit report from XX/XX/2019. I do not have any XXXX services, this must be fraud or an error.
Consumer complaint received 2019-09-21
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: Experian Information Solutions Inc. (IL)

I have contacted experian several times and explained that the following things that they are reporting is in correct these things DO NOT BELONG TO ME & IS FRAUD. XXXX XXXX XXXX account XXXX it is listed with {$XXXX} balance, XXXX/XXXX  account XXXX balance {$XXXX}, XXXX XXXX XXXX account XXXX {$XXXX}, and a Bankruptcy. I have never filed bankruptcy at all ever. I told them the last time this was not mine. It was verified after I have sent in a police report, my drivers license, social security card and an identity theft report. These things are not mine and I am asking you to stop reporting things that are fraud on my credit report. 
For the bankruptcy this is a huge error and all this need to be fixed immediately! PLEASE DELETE THESE ACCOUNTS FROM MY REPORT.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I sent a certified letter to Equifax that was picked up from a postal facility at XXXX XXXX on XX/XX/2024. Within the letter, which I've also filed with the CFPB as a complaint with Equifax, I told them of two hard inquiries which were unauthorized by me. The first, XXXX XXXX on XX/XX/2024, and the second, XXXX XXXX XXXX  XXXX on XX/XX/2024. I am attaching a copy of an Identity Theft Report to this complaint, as well as a copy of my passport and a copy of a bill showing my name and current mailing address. Please remove these hard inquiries immediately.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Cherrington Firm PLLC (UT)

I paid them XX/XX/2021 {$700.00} and they are still telling me I owe them an additional {$700.00}. I think they are greedy and rude. They dont care about you, just as long as they get their money. People are sick and not having income, they dont care.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

I have tried to obtain my annual credit report from Equifax nearly every year since the " Free Credit Report '' law was enacted. Instead of my credit report loading, I get a webpage saying my credit report is unavailable online and to go to their website to obtain my credit report. However, their website will not allow me to log in to my account to download my report, due to technical issues they have refused to correct for several years. 

I have no problem obtaining my free annual credit reports from XXXX or XXXX, only XXXX is being a XXXX about providing me a report through the government 's website. This issue must be addressed.
Consumer complaint received 2019-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

A company called Portfolio Recovery has called my landline ( registered with the Do Not Call Database ) every single day for the past few months. Every day, they call from a different phone number so I can not block them. They have never once left any type of message on my answering machine. I have not received anything in the mail and my husband and I have no outstanding debt whatsoever. These calls are burdensome, frequently early in the morning or late at night, and will not cease.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-09-30
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: Diversified Consultants, Inc. (MD)

I am in the process of buying my first home. When I became aware of the Diversified Consultants / XXXX account for {$57.00} I paid it in full. 
Since then I began the mortgage process and was advised that because the account exists, paid or unpaid i wont be able to be approved. It seems that the existence of the account ON THE MORTGAGE side is costing me about 35 points. I contacted Diversified today and spoke to a rep and supervisor both of which told me that there was nothing that they can do, same as they told me before. The supervisor went on to explain that they dont even own the account which really got me to thinking Is it reasonable, that a collection agency, which doesnt even own a debt should keep me from being able to purchase a home for an account that is paid in full
Consumer complaint received 2019-09-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank called me last night and continued to try to collect on a debt even though I had stated I had opened a complaint about them with the CFPB. I tried to call today and they refused to take my call even though the call center was still open. It was open until XXXX XXXX on a Saturday and I called around XXXX XXXX. My mother complained to me that they were calling her cell phone when I had never given them her phone number. After attempting to call their call center, I checked the account online and asked them to close the account because it's not closed. I checked my profile and it had my mother 's cell phone number listed as an alternate number. This means that either my online account has been hacked or someone at the company put this in as an alternate number. Either way I feel I have been violated and the victim of identity theft. I did not provide them with this phone number and I have no idea why it is listed in that section. I recently removed an alternate number and left the field blank. I also thought they were supposed to stop calling to collect the debt while the CFPB complaint is open, which I checked on my account and it is. Please help.
Consumer complaint received 2024-03-06
Product: Credit reporting 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 just checked on my Equifax report and I can still see unauthorized and fraudulent inquiry that needs reporting and correction through your company. I'm a victim of Identity theft. I've never authorized anyone to open this inquiry and I have not initiated any transactions to this company.
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I am in Chapter XXXX Bankruptcy protection and called to make a payment on XX/XX/2019 at approximately XXXX XXXX Pacific time. Calling XXXX Fay Servicing LLC. The problem is that the representative named XXXX XXXX or XXXX stated that she could take my payment but that she could not provide me with a confirmation number. She stated that it was their policy to not provide confirmation numbers to persons in Bankruptcy protection that do not have authorization from their attorney to discuss mortgages. The Only Thing that was asked was for a confirmation of my payment so that I could have something proving the payment was made on time. If for some reason the payment is not made I am in fear that Fay Servicing could request relief from automatic stay. It makes no sense that they not provide any data when the only way they can take the payment is from me providing my social, address, full name and loan number. I do want to emphasize that the only thing that I requested from them was a confirmation of my payment as shown on my mortgage statement. I asked for a Supervisor or another person and she put me on a brief hold. She stated everyone was busy and I explained that the CFPB had fined her company in the past for unfair practices and I asked her to notate that I would be contacting CFPB. Her reply was that they were not the only ones that had been in trouble! Hopefully you can ask for a recording of the conversation.
Consumer complaint received 2021-03-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sequoia Financial Services (CA)

Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$10000.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the XXXX for the past 6 months to ask to please stop calling other people around me. MY neighbors and employers have all received calls from the names, XXXX, XXXX, XXXX and XXXX. 
I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Sequoia Financial has continued to get information from a third party for me to pay the debt. Violating their privacy and others. 

Under the Hippa law protection, Sequoia has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. 

At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Sequoia Financial and XXXX XXXX have violated laws in trying to collect a debt.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Consultants of California (CA)

Collection Consultants of California sent a collection letter for a medical debt and addressed it to my wife, and included a copy of the explanation of charges from the hospital which listed all of my medical procedures, in violation of my privacy. They underhandedly only listed my name on the enclosed statement of my medical procedures, in order to make it difficult for me to prove their HIPAA violation and the violation of my privacy, but the cover letter with this private enclosure was addressed to my wife.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). I have noticed that there are several inquiries on my report that I do not remember authorizing. Given that these inquiries might be fraudulent, I would like them to be removed from my credit report immediately, as allowed by the FCRA. 

The following are the details of the inquiries that I wish to dispute : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and to have it corrected or removed. I do not recall authorizing any of these inquiries, and I believe they may be fraudulent. Therefore, I am requesting that they be removed from my credit report as soon as possible, as allowed by the FCRA.

I understand that the information on my credit report is important for lenders and creditors to evaluate my creditworthiness, but I am confident that the removal of these inquiries will not impact my credit score in any significant way. 

Thank you for your attention to this matter. Please let me know if you require any further information or documentation to assist in the removal of these inquiries from my credit report, as allowed by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX, XXXX : # 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 an account without my written instructions 15 U.S.C 1681c. ( 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 yea
rs.

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