davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX calls my aunt 's house frequently looking for me. Caller ID identifies based off company name, that XXXX is a debt collector. Upon answering, voice recording says " if you are not " my name '' hang up, if you are " my name '', please press one. '' This identifies to anyone who answers that I owe a debt to XXXX XXXX. This is a violation of fcra and privacy laws surrounding debt collection. 

Upon pressing 1 to try to speak with them the phone rings several times, but no one answers, and eventually the line goes dead.

They are not calling to communicate with me ... or they would answer the phone after pressing one. Instead they are announcing to anyone who answers the phone that I owe them a debt, with no intention of actually communicating with me about said debt. This is a violation of the fcra and laws surrounding communication tactics allowed by debt collectors.

I provided an image of caller ID, and what info can be found out by anyone who does a XXXX search of the company name. Associating my name with their name tells anyone who answers the phone when they call that I owe a debt collector a debt which is in violation of " The Fair Debt Collection Practices Act says that absent express permission from the debtor, a collector may not communicate with anyone about a debt other than the consumer, and certain people such as attorneys. '' Just by calling and identifying themselves and playing a recording of my name to anyone who answers, violates my rights. Whether they identify as a debt collector in the recording is irrelevant because of the information age, a simple search reveals their intentions.
Consumer complaint received 2019-07-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NFM, INC (VA)

I am the seller of a home that relied on a lender letter saying buyer was credit worthy assets and income verified and ALL DOCUMENTATION HAD BEEN RECEIVED, REVIEWED AND RECONFIRMED. This letter Enticed me to enter into a contract with a buyer that later could not close. XXXX XXXX misrepresentations pertaining to the buyers ability has caused me financial damages.
Consumer complaint received 2019-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2019. I sent {$200.00} through Chase Quick Pay with XXXX to purchase two tickets to a XXXX XXXX game from a seller on a XXXX XXXX XXXX tickets page. The seller never transferred the tickets through XXXX as they said they would and subsequently deleted their XXXX account. I immediately contacted Chase, who states they can not return the payment or stop it even though its still pending. They also stated they cant tell where exactly the money has gone in this instant transfer.
Consumer complaint received 2022-08-28
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. (GA)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, at XXXX XXXX I called Citibank to have them close my account. I had a {$0.00} balance, so I told customer care that want to close, and, was on call with them for 3 min & 27 seconds, and they confirmed my account is closed. They confirmed that they will send me out via regular mail, a closed account letter, which I never received. To my shock and awe, a couple days later, on the XXXX of XXXX, i was charged a monthly service fee of {$12.00}, take into account, I had closed account several days prior, and brought my account negative, so they charged me and insufficient funds fee on top of that. 

Over the past month, the incessant calls i have been receivieg from Citibank customer services has been a real burden, them asking me to settle my negative balance, when i close my account over a month ago, with a XXXX balance. I had said on the numerous harrassing calls to me, when i have told them to stop calling me and had closed my account over a month ago, they still keep calling me, the most recent was this past Sunday, XX/XX/19 at XXXX XXXX.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc. (NJ)

I have received a debt collection report to my credit score from a compnay called Credit Management LP. So, it says that the original creditor is a company called XXXX XXXX in Texas. I have never been in TX. 

I dont know why is this report on my account. then, I called to Credit mamagement to get copy of the invoice and they said " that they are not longer holding that account '' I should contact XXXX '' but, the report still on my credit report. Then, I called XXXX requesting copy of the Invoice of the service and I have not received anything yet. All they told me is that was " a Service in TX '' So, it shows perfectly that it is a fraud affecting my credit score.
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion You continue to violate my rights by not doing an actual investigation included is proof. 
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-28
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. (TX)

In accordance with the Fair Credit Reporting act AXXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. account name : # XXXX XXXX XXXX, XXXX Account number XXXX account name : # XXXX XXXX  Account number # XXXX XXXX 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency XXXX make any consumer report containing any of the following item of information Any other adverse item of information other than record of convictions of crimes which antedates the report by more than XXXX years. 15 USC 1681c 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.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I have been the victim of identity theft. I already have a fraud alert placed on my consumer reports but I need to have addresses and names that I do not recognize removed from my consumers reports to prevent any further possible identity theft. There's already an extended fraud alert on my file.
Consumer complaint received 2022-08-28
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: Bridgecrest Acceptance Corporation (TX)

My complaint is about XXXX and Bridgecrest Acceptance Corporation and their inability to process accurate data as a result of disputes. 

Within the past 7 days, I have disputed an item in accurate credit item from Bridgecrest on my credit report with XXXX that was updated as accurate twice after I paid the balance in full. I provided documentation proving that this account was paid off over a month ago, but yet, XXXX responds to my disputes within days indicating that the item has been updated on my credit report, still showing that I owe the company almost {$2000.00}. It is clear that XXXX is not handling these disputes with efficacy. I do not believe a company could verify and/or update correct information regarding an active account within days. This seems like a shady business practice on XXXX 's end. Company 's should not be allowed to report inaccurate information, especially when there is proof that the account has been legitimately closed! Is this even legal?
Consumer complaint received 2023-10-24
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (VA)

On XX/XX/2023 I received a Cash App money transfer for XXXX dollars from a family member. I never received the payment upon contacting Cash App customer support I was told by the support rep that it was to make up for a technical error that happened between XX/XX/2023 and XX/XX/2023 and it effected one or more of my transactions. 


And the balance reflected Cash apps recovery of the funds to complete payments to merchants. 
The alleged overpayment didnt show in my transaction history. 

On XX/XX/2023 this happened again and once again they claimed XXXX was paid and during their technical error and then reversed the payment again I have no record of this. They kept referring me to the transaction activity tab on their app. 
Once again I could find nothing proving this overpayment. 
XX/XX/2023 this happened again for XXXX They once again referred to this technical error and XXXX was overpaid I still couldnt find the transaction history. 
Again on XX/XX/2023 XXXX was taken and they said it was because of their bank error. 
I made a complaint with the FDIC who suggested I make a complaint here.

Im on a fixed income these transactions took money for bills and other necessities with no concrete explanation. 
They only cited a technical error which was their fault.
Consumer complaint received 2024-03-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. Upon contacting XXXX XXXX, they confirmed the validity of the identity theft report and assured me they would remove the fraudulent accounts. Despite encountering system issues, they can not provide records. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2019-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

Rushmore management 's response to me is a non-response just like the previous ones. This case is NOT closed. Rushmore has one of the worst reports by consumers. There are 1700 complaints on this very site about Rushmore. Their concerns and complaints are very similar to mine.

Rushmore is not explaining how come they jacked up the monthly payments from XXXX to XXXX dollars. The escrow and insurance can not jump up by XXXX dollars. I have paid them in order to comply but from XX/XX/XXXX and now XX/XX/XXXX I have paid XXXX dollars that it is not even showing. When I called their number it says you owe XXXX dollars!!!!! That is a big LIE. 

I also paid more than 3300 do VA Dept of Taxation so in fact they are double charging me. I am asking for a supervisor or someone high up to CALLL me. 
When you call you usually get to talk to someone in the XXXX. I have also requested to know who their investor is. They have not provided that information. I am demanding what I have demanded before. Nothing is changed and their reply is a Non-reply. My house is mine and their way of charging a homeowner who is struggling to keep her only asset is deplorable and unconscious. I am demanding a reply. This company can not overcharge people and then expect no complaints.
Consumer complaint received 2019-07-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I have an account with XXXX XXXX and I authorized payment to be debited out of my checking account. The draft date was XX/XX/19, in the amount of {$600.00}. I just learned today that the check was not honored. When I check with my banking institution, XXXX/XXXX  they stated they would only pay transactions within a {$10.00} range if the debit card was used for the same account. When I reviewed my transactions I had {$590.00} available. I didn't receive any mail stating my account was about to go delinquent prior to the 30 days mark. I didn't receive an email that my account was delinquent. The creditor states they only made phone calls to my old number which continuously rings busy at XXXX. Previously when I had this number, the outgoing message had my voice and now it does not. My number was changed in XX/XX/2019. I was not given the opportunity to remedy an error on my part and the Creditor failed to use due diligence to use all methods to contact me. This is the second car that I purchased from Nissan so they know that I pay my car payment on time. This was out of the ordinary for a customer like myself not to respond to calls or not have a voice mail set up. In normal collections, a representative that is present and reviewing the account would notice this versus someone going through the motions and being robotic. I now have my credit report dinged because of the XXXX.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NJ)

I have contacted Cash App /Block Inc. several times since XX/XX/2022 about lifting the UCC-1 debt holds on my Cash App account as these debts have been satisfied and the the debt holders have filed a XXXX balance letter and UCC-3 forms stating that the debt was satisfied and the holds are to be released. I contacted Cash App through the app, which is the only way to contact them but to no avail. I constantly get the same response providing information about the debt holders and that I needed to contact them so that they could send the releases to Cash App. There were 2 debt holders that filed UCC-1s that Cash App informed me of and the debt holders sent the release forms several times and I offered to send the emails in which the debt holders sent me a copy of the fund releases as well. I have been trying to resolve this issue for over a year. I would like the release of my funds.
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NOTICE OF DEFAULT AND OPPORTUNITY TO CURE : TransUnion has not now nor have you ever had any firsthand knowledge of any matters including my personal, private, non public transactions between myself & any companies or corporations that I've done any business with as a consumer. You are hereby in violation of federal law and this serves as notice and acceptance of my original demands sent to your company via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and received and accepted by TransUnion LLC on XX/XX/2023. ( see attached ) Certified Domestic Return Receipt. It included a notarized Affidavit of Truth, Notice of Dispute, Police Report and itemized list of all entries to be removed from my consumer report as you have no authority to report or furnish such information and are doing so by means of identity theft and fraud. In your letter dated XX/XX/2023 you state my request is missing essential personal identifying information or account specific information that would allow you to complete my request. This is not so, my notarized affidavit stands as truth in commerce bearing my signature completed in front of a notary and includes their stamp as witness. By law, no additional documentation is required. You also state that you can not accept my documentation, however you accepted my offer on XX/XX/2023 as included and have not returned any of my documentation. That is acceptance. In law, you shall respond to an affidavit line by line in the same manner and have it notarized by someone within your company with authorization to do so. To date, Transunion has not responded. You are in default. An unrebutted affidavit stands as truth in commerce. Transunion does not have a right, proof of authority, or my consent to furnish anything that is a detriment to my reputation, well being or quality of life. Continuing to actively furnish/report the below will be a direct violation of my consumer rights and is punishable by law. I am submitting this Notice on my own behalf, it shall not be deemed frivolous or a mistake. You have failed to fulfill your obligations under law and no valid response was received. As my original Notice stated, delete, permanently block and remove the following items within XXXX business days : ITEM XXXX : XXXX XXXX XXXX XXXX ITEM XXXX : XXXX XXXX XXXXXXXX ITEM XXXX : XXXX XXXX  XXXX ITEM XXXX : XXXX XXXX XXXX ITEM XXXX : XXXX XXXXXXXX ITEM XXXX : XXXX XXXX ITEM XXXX : XXXX XXXX ITEM XXXX : XXXX XXXX ITEM XXXX : XXXX XXXX XXXX A few important maxims of law state : Wrong is wiped out by reconciliation.

One is not present unless he understands.

No one is bound to give information he is ignorant of, but everyone is bound to know that which he gives information about.
Consumer complaint received 2021-04-13
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)

XXXX XXXX is climbing I owe them money that I do not owe them I never opened up or used or applied for a XXXX XXXX credit card or account I did not buy anything from XXXX I have reported this to them numerous times they have yet to take it off my credit report or resolve it I am in the process of hiring a lawyer and also getting a lie detector test to prove that this debt is not mine once I prove this I will take it to court and get XXXX XXXX to pay my court cost and the cost for my lie detector test this is the only way I know to do get them to take this off my credit report and resolve this