davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Throughout a series of emails, I was asked to send a rent payment via XXXX to my landlord back on XX/XX/XXXX. My landlord is XXXX and XXXX ( 3rd round of XXXX ) and does not recall asking me to XXXX anything and she does not recognize the email address the money was sent to. 

XXXX told me the money was sent to someone in a different state and gave me their bank contact info. XXXX XXXX Bank, XXXX, and Bank of America have all given me the run around and have not cooperated in recouping these funds. Because I authorized the transfer, no one will listen to the very unique details of this situation. 

A previous conversation with a bank of america employee ( on XX/XX/XXXX or XXXX ) assured me that my money would be credited back to my account within 48 hours. Now bank of america has denied this was said, and have offered nothing more than " we will retrain this employee since he doesn't know our policies ''. 

Regardless if this is a scam or mistake, the recipient of these funds has pocketed them knowing full well the money was not intended for them.The recipient has also ignored all communications from banks, XXXX, and myself. Had I known that my landlord was not 100 % mentally and physically well, i would not have authorized this transfer. Essentially, this money was incorrectly sent to someone and this person has fraudulently pocketed the money. 

As a consumer, I have the right to be protected from scams, especially scams that involve my bank and my money. Banks have a responsibility to investigate claims and protect clients. I should be protected under the Electronic Fund Transfer Act, regardless of how Bank of Americs chooses to interpret the verbiage.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Sometime around 2016, a credit card was opened in my name. Because it was fraudulent, I was never made aware of it. Because I was unaware, the card was never paid off, and went to collections. I was made aware of the card by debt collectors. When I was made aware I disputed the card and it was removed from my credit report. Unfortunately, I did not know that I had to dispute the card with the debt collector directly as I believed it was resolved when I stopped receiving phone calls from them.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from Equifax Management and Administration on XX/XX/XXXX,2017 .Equifax called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX American. My credit scores and credit are suffering because of the major Retaliation from Equifax Administration.Equifax is Discriminating and Retaliating against me because of my XXXX American National Origin as a XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My consumer rights have been violated. Pursuant to 15 USC 1681b I never gave consent. 
They are reporting fraudulently and pursuant to 15 USC 1681c-1 and 15 USC 1681c-2 the information needs to be removed and blocked. I have previously disputed these items errors and by reporting them my rights are being violated pursuant to 15 USC 1681s-2a1a reporting information with known errors. 
By allowing these errors they also are violating my rights pursuant to 15 USC 1681eb for maximum accuracy.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (OH)

My fianc and I applied for a refinance with NewRez and were conditionally preapproved. Our Mortgage Consultant established communication with us and the Mortgage Loan Processor on XX/XX/2021. The Processor had questions in her XX/XX/2021 email, which were answered the same day. 

After getting no information, I reached out to the Consultant and Processor on XX/XX/2021. The Consultant responded on XX/XX/2021, with a question about student loan consolidation. The Consultant also emailed on XX/XX/2021 with a question. I responded to both the XX/XX/XXXX and XX/XX/XXXX questions in a XX/XX/2021 email. 

We did not receive any other communication from NewRez. I emailed the Processor and Consultant on XX/XX/2021, asking about the status of our refinance. On XX/XX/2021, the Processor emailed us and said the loan was declined, and we should reach out to the Consultant directly.

We did not receive any communication from New Rez for over three weeks, and did not receive an adverse action letter. The lack of communication from NewRez is inexcusable. The actions we've been taking impact our credit and our rate options and refinancing timeline elsewhere, and NewRez hasn't even given us the courtesy of basic communication. I'm disgusted that even after this declined refinance, NewRez is still our loan servicer.
Consumer complaint received 2017-07-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (OH)

I keep getting bounced from department to department. I filled out all required forms and documentation and sent to NFCU, including their affidavit of forgery. I never had any products with NFCU yet nobody seems to be able to help. Every time I call they keep pulling up accounts that someone opened using my identity.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NJ)

Seterus Inc has been collecting the incorrect amount of escrow for years and last year I received a shortage letter for over {$3000.00}. This is UNACCEPTABLE. So on XXXX XXXX, 2016 I called Seterus regarding the procedure to remove my insurance escrow. When I called, they gave me a number to fax my request to and I sent the fax the same day. Today I called back to check on the status and was informed the fax number I used was for the wrong department. ADDITIONALLY, they informed me that I can not request to only have the insurance removed. I have to ask for the taxes to be removed as well. ANOTHER piece of information that I was not informed of before. To top it off, I asked to speak with a supervisor to expedite my request because I do not want to pay another month of escrow to this company, and the representative said that I could not speak with anyone else and it would be a 30 day turnaround time no matter what. This is unacceptable! I want my ESCROW REMOVED IMMEDIATELY so I do not have to pay any more money into an account that they do not know how to manage.
Consumer complaint received 2024-03-05
Product: Credit reporting 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 recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Credimatico LLC (MO)

I am writing to dispute a charge of {$130.00} to my account on XX/XX/2023, XX/XX/2023, and XX/XX/2023. The charge is in error because I have revoked authorization with the company numerous times. I have attached the emails where I have done so as well. 

I originally took out a {$400.00} loan with them and then ended up in some financial hardship, which I also informed them of. I explained to them that I am working with XXXX XXXX ( XXXX ) to settle debts due to the financial crisis we are currently experiencing as youve seen in our account. 

They have not responded to any of my emails, phone calls, or website Contact Us submissions. They have pre-generated responses that get sent with ticket numbers but are never responded to. Whenever I have called them either I get a XXXX automated message stated the call can not be completed as dialed or I get mariachi music with a XXXX  speaking individual referencing a completely different company. There is no way for me to contact this company at this point. I have tried every route they have. 


Enclosed are copies of the revoke requests supporting my position and experience.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AZ)

Spoke to Convergent Outsourcing Rep informed them that I do not owe the amount they are attempting to collect. Their letter reflects a balance owed in the amount of {$770.00} but the billing records they provided from the creditor XXXX XXXX indicate a balance owed of {$610.00}. There is no explanation for the difference. This clearly violates The Fair Debt Collections Practices Act. I also disputed the equipment charges in the amount of {$420.00} there is no description for what alleged equipment I am being charged for. This account was back in 2017. I do not have a receipt back that far. Convergent is still trying to collect the full disputed balance and has not even corrected my credit report which also violates the Fair Credit Reporting Act, Furnishing False info.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.
Consumer complaint received 2019-07-17
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. (NC)

XXXX, XXXX XXXX and Equifax are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments to be removed immediately. Also Equifax has a student loan debt from XXXX/Dept of ED in which I have explained I haven't been to college in 30+ yrs. XXXX And XXXX XXXX removed the account however Equifax has not after repeated request along with a police report attached. There is also a collection on my Equifax account from XXXX XXXX  that can't be verified by 609 fair Credit Act that i have asked them to verify.
Consumer complaint received 2019-09-29
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 attempted many times to dispute inaccurate, outdated information with Experian credit bureau regarding a creditor called XXXX XXXX ; the most recent attempt was on XX/XX/2019. On that date, I called Experian credit bureau and disputed the accuracy of the information being reported by XXXX XXXX and that account had been closed and also that it had been included / discharged in  my chapter XXXX bankruptcy. I received notification from Experian by email XX/XX/2019 that the result of that particular dispute of XXXX XXXX had been completed and the results indicated that Experian decided to make no change and the creditor is still reporting inaccurately, exactly as before. Experian went on to say that results of their contact with XXXX XXXX were that the information was 'verified '. The information that Experian continues to allow creditor to report about me is most definitely inaccurate and could not have been verified as XXXX XXXX is included in and discharged under my chapter XXXX bankruptcy. At this point, both Experian and XXXX XXXX are violating my rights and laws under the federal bankruptcy protection code and which I'm required relief.
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Interstate Recovery Service, Inc. (OK)

In XXXX 2016, while living in XXXX I received a phone call from a woman in my hometown XXXX. She was trying to sell me a magazine deal paying {$40.00} a month with the reward of {$250.00}. I told her, while busy at work I was uninterested bc I was a single mom of XXXX & do not read mags nor have the money for it. She then went into how she also had XXXX daughters as far as where they graduated from & that she could get me the {$250.00} coupon for shopping online if I just paid the shipping/handling @ {$4.00} for XXXX kids mags for my boys. Due to being in a hurry at work & her convincing me there were no attachments I paid the {$4.00}. After never receiving the mags or {$250.00} coupon, a month later I was charged {$40.00} from XXXX XXXX XXXX. I called and spoke with a guy named XXXX. He then argued that I had 7 days to cancel upon that first call & bc I did n't was attached to a 2 year subscription of mags. I stated that I never signed anything, I never agreed to anything. How could I be attached to a plan I never signed or agreed upon with anyone. I argued & fought and said he was actually helping me, said he 'd note that I had 2 months to come up with the money and that he 'd lower the pay to {$20.00} a month. In the mean time I left my purse at a restaurant a few weeks later and had to get all new info. When XXXX 2016 hit and my card did n't work the phone calls began, I even got cursed at by a guy all the while I had told him everything all over again. My apartment had flooded, I had since moved and my apt had forwarded my new address. I spoke with 3-4 different people and I kept stating if you listen to all previous phone calls, which you state you have, you will know exactly what has happened. Each and every time someone new would call they said they never had trace of previous phone calls, they were horribly mean and after arguing I 'd end up crying or hanging up bc I did n't know how this was possible. They 'd state this was my fault and I needed to pay, after that went on I begin to get letter after letter stating I owed {$340.00} for what was remaining. I have had hundreds of phone calls from collectors stating they 'll accept {$200.00} to get rid of it all. The final letter I have received is from them stating I owe the {$200.00}. I owe them nothing.
Consumer complaint received 2023-10-13
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pa XX/XX/XXXX XXXX Collection Agency Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Agency Name : XXXX XXXX ( XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX Collection Agency Name : XXXXXXXX XXXX Account Number : XXXX Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Name : XXXX XXXXXXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX