davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (DE)

This Collection must be error as reported in my XXXX  Credit Bureau. Please provide me with the Validation of Debt and stop reporting it without VOD. Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.
Consumer complaint received 2022-09-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Click n' Close, Inc. (CA)

I filled out an order for relief for XXXX XXXX lending granting them credit on the application which gives me a security interest in the business known as equity. The amount was for XXXX around XX/XX/2022. I was denied. On XX/XX/2022 I received and adverse action letter from your company attempting to explain why I was denied. This was clearly and act of DISCRIMINATION pursuant to 15 usc 1691 ( a ) ( 3 ) I used my credit card pursuant to 15 usc 1602 ( a ) ( L ) to extend myself credit through your company, which make me a creditor pursuant to 15 usc 1602 ( G ). That also give me the right to give credit pursuant to 15 usc 1602 ( F ). I exercised my right in good faith to extend myself credit as a consumer, and a creditor pursuant to 15 usc 1691a ( 3 ), I have received no benefits from this consumer credit transaction pursuant to 15 usc 1602 ( a ) ( p ) on top of that my credit card was used by a person other than myself which is clearly a violation of this federal law. I told XXXX XXXX i had given him all the info he needed to process the loan, XXXX said he was going to XXXX the load. I explained the information above to XXXX he told me it doesn't apply to me getting the loan and no one was going to give me one. I told XXXX XXXX okay and hung up the phone. I am looking to get the loan that i need to get the house i want. No company rules supersedes federal LAW!!!!
Consumer complaint received 2021-08-26
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: Ability Recovery Services, LLC (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Ability Recovery Services LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2022-03-28
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. (PA)

In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States that 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 consent
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

These addresses I have listed in my letter are inaccurate, please remove these addresses and names XXXX XXXX XXXX XXXX, pa XXXX. XXXX XXXX XXXX XXXX XXXX, pa XXXX. XXXX XXXX XXXX, XXXX XXXX. Inaccurate addresses I never lived at and inaccurate names need to be removed soon as possible whom it may concern. Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2021-08-26
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. (NV)

On XX/XX/XXXX my card was fraudulently charged 3 times for a total of over {$3000.00}. When I received a text message fraud alert for one of the charges I immediatly notified my company and reported the other 2 charges. The company closed that account and opened a new card transferring my balance over and assured me it would be handled. The largest of the 3 charges cleared from my account in a few days but the other 2 have subsequently posted to my account as billable charges. I called them a further 4 times in an attempt to get those charges removed and all they did was repeat a script and lie to me telling me each time I would see a credit for them in 3-5 business days. Obviously this has not happened.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (TX)

I have an active XXXX account that monitors my credit. I received a notification today, XX/XX/XXXX, that a debt in the amount of {$5800.00} is being attempted for collection from RECEIVABLES PERFORMANC on behalf of original creditor XXXX XXXX XXXX XXXX. I have NEVER received any financial services and/or goods from the XXXX XXXX XXXX XXXX XXXX 
It is reported as : Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department Status date : XX/XX/XXXX I do not know why I now have a debt for collections with this company. From doing a XXXX search, I have come to find that many people have filed a complaint against this company for the same reason.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

XXXX XXXX. 

I have been trying endlessly to log in to equifax to obtain a credit freeze. The website states I have an existing account, in which I do, but have forgotten my password. 
So it then tells me to click need help signing in if you forgot your password. 
I do this and it asks me for my information over and over again, and keeps telling me to contact them, So I do this, via the automated system. This system also wont allow me to gain access, even though Ive answered many security questions. 
Then, after many attempts, I get a live person on the phone, sounds like hes in XXXX. Hes asking for my social security # and other identifying means, in which I reluctantly give him. 
He then asks me to upload my drivers license and a selfie to him in order to verify my identity. No way do I feel comfortable with that. I cant believe a credit bureau is asking me to send all this to a man over the phone in a foreign country!! 
There is a flaw in their website that does not allow you to reset a password or identify yourself via online. 
The other two credit bureaus took me two minutes to freeze my credit. Why is it that I have to mail or send personal information that could be stolen or accessed by people I do not know to this credit bureau? 
Please help
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2021 ago my maternal grandmother XXXX XXXX XXXX of XXXX XXXX, TX XXXX attempted to loan me {$400.00} for last-minute moving expenses as a result of an eviction. Of course this was already surprising and taxing considering I thought there was a current eviction moratorium. 

At any rate, shortly after trying to send me the funds via Zelle, my grandmother got a notification that I had received the funds. I assumed that all I needed to do was login to the Zelle XXXX ( which I may have used once or twice in the past - in my entire life ) and attach a debit card to get to the funds. 

Upon trying to login, I got repeated error messages saying I needed to contact Zelle customer service regarding my locked account. I called the listed number and was told by the auto attendant that call volumes were high and to expect a 45 minute wait. I stayed on hold for around 6 minutes before I had to disconnect to finish moving. Obviously, being in the middle of an unexpected move, I didn't even have those 6 minutes to spare let alone at 45+ minute wait the auto attendant kept telling me to expect. 

I've attached a screenshot with the error message as well as one while I was on hold to get in touch with Zelle support. 

At any rate, I never received the funds from Zelle and to my knowledge, don't even have an open account with them. The only time I ever remember using it was to pay for a computer from a guy off XXXX  at least 4 years ago, and I distinctly remember it being cumbersome and annoying at that time, and hadn't actively tried to use it since then. 

Again, I never received the funds from Zelle and ended up having to jump through even more hoops to borrow money to complete my unexpected move. Digital wallets are supposed to be exactly that and this is FRAUD on Zelle 's part - pure and simple. 

My grandmother 's funds need to be refunded and I can assure you I won't ever try sending nor receiving funds with Zelle ever again.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I have disputed information about inquiries on my credit for months now. Equifax is saying that it is factual. I had a XXXX XXXX car loan pre-approval. I went to a few dealerships with my approval and told them that I wanted to get a car using my approval. I explained that if they could not use my approval to let me know and I would go somewhere else. They assured me that they would use the approval I had and not submit my information anywhere else. They did the opposite, without my permission. I would like the inquiries removed from my credit. There are a total of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and a host of others. I would like XXXX and Equifax to promptly remove the inquiries because if I had a preapproval of XXXX and the vehicle I wanted was only XXXX or less, why would they seek other financing. I am attaching a copy of my preapproval as proof that I already had my financing before I went to these lots, so therefore, they submitted my information to these companies without my consent.
Consumer complaint received 2022-03-28
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. (IL)

In accordance to the fair credit reporting act XXXX XXXX  number XXXX XXXX XXXX XXXX # # # #, is reporting Has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have   XXXX   duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer agreement.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IN)

Experian is reporting XXXX XXXX XXXX XXXX lates as recent as XX/XX/XXXX. This debt as included in our CH XXXX bankruptcy which was discharged XX/XX/XXXX. I demand that the account gets statused as included in the BK with no lates after the BK date.
Consumer complaint received 2023-08-19
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$1200.00} U S DEPT OF EDXXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$700.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1900.00} US DEPARTMENT OF EDU XXXX Balance : {$1200.00} US DEPARTMENT OF EDU XXXX Balance : {$1200.00} US DEPARTMENT OF EDU XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} Original XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX Inquired on XXXX XXXX, 2022
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Credit bureau is not updating my correct scores. Everytime my score reaches a higher score the credit bureau will decrease my scores. I am trying my best to take care of my family and because of this issue it is very difficult to find a home for my kids and I to live. I feel like it is discrimination.
Consumer complaint received 2021-08-26
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. (NJ)

I have been a victim of identity theft and fraud! I have contacted equifax 4 different times. 

By law these inquires should be removed immediately. I have never applied for any accounts from these companies listed below. I have contacted all parties including my local police department, the companies stated below, filed a Identity theft report, copy of license is included and a copy of my social security card is here. 

This has been a inconvenience for me and I expect to have this process expedited immediately and these fraudulent and inaccurate accounts blocked and deleted immediately. 

Fraudulent inquires dates include : XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2022-03-28
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account # 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 2022-03-28
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: Experian Information Solutions Inc. (FL)

Credit bureau failed to investigate all collection debts and send me physical proof that the alleged collections was 100 % factual and accurate. The investigation also took longer than 30 days.
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, Flagship Credit Acceptance account # 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 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citibank all in one day notified me for the first and only time of a return payment, requested a replacement payment which ( I paid the same day I was notified, ) and closed my account without notifying me all in the same day. The only reason why I know my account was closed as I tried to make a transaction and the transaction was denied. I later received a letter XXXX days advising me that my account had been closed. The said return payment was also XXXX to XXXX  days from when it had been returned. I find it very distressing but they put priority in closing your account with zero notice not even an email, yeah they take their sweet time notifying you that there's a problem or giving you an opportunity to fix it and even when you do they still close your account without even notifying you. 

I also find their outsourced customer service centers in the XXXX and XXXX to be less than helpful and even within the XXXX XXXX they transfer you back-and-forth and give you no resolution. I think they're hoping the customers will just give up. 

As of this date they are actually zero return payments if you take in consideration the replacement payment they asked for as soon as they got it and I continue to pay more than the required on a closed account but I can not longer access. And now I have severe damage to my credit report because it shows an account closed.
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: KEYCORP (CA)

On XX/XX/2021, I had two money orders made for payment on a security deposit and 1st month 's rent. Two checks were produced for {$1400.00} and {$2100.00} from Key Bank at their XXXX XXXX XXXX branch. These were mailed using USPS. 

On XX/XX/2021, the property manager for my apartment complex informed me that they never received the checks. I have made significant efforts to stop payment on the checks and have the money returned. I have since made new checks made to my property manager using a new bank. However, I have been unable to rectify my issue with Key Bank. The crux of the issue is that the national customer service has no authority and the local branch has not answered their phone. I have called and left messages ~5-10 times per day from XX/XX/XXXX through XX/XX/XXXX. I have spoken with the specific department as XXXX ( the money order processor for Key Bank ) and they indicated that I must have the local branch initiate the process. I am concerned that the local branch is being negligent of their responsibilities and is effectively stealing this money from me.
Consumer complaint received 2022-03-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 I wrote a dispute letter to TransUnion disputing 2 accounts as erroneous and mailed them certified. On XX/XX/2022 the letters were received by TransUnion certified mail. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate my dispute. XX/XX/2022 I decided to reach out to TransUnion letting them know I did not receive any response from them stating that they were investigating my dispute so I followed up with a demand and comply letter. In return TransUnion deleted my XXXX XXXX XXXX XXXX account # XXXX but did NOT delete the XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX. It was clearly stated that this was NOT another dispute or opportunity to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.