davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
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: FC HoldCo LLC (NY)

these companies are coming up on my credit report as a hard inquiries. 
I never had any communication with these companies. I would like some help reaching out to theme I've tried numerous time to get in touch and haven't had any luck. All these companies show the same month and very close dates.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AR)

XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX VIOLATED THE AUTO MATIC STAY XXXX XXXX. ALSO, XXXX IS FAILING TO VACATE DEFAULT JUDGEMEMNTS ON FILE, THIS DEFAULT WAS ILLEGALLY GOTTEN BY ATTORNEY CHANGING ADDRESS IN THE MIDDLE OF LAWSUIT AND WAS NOT FURNIAHED FINAL COURT DATE. ALSO, REPORTING JUDGEMEMNTS ON XXXX, THAT IS SUPRESSED BECAUSE OF YOU.
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC (NV)

This company called me and left a very nasty and threatening message on my voicemail. On the SAME day, so not even time for me to respond to their message, they called my elderly parents home looking for me and left the same threatening message on the cell phones for my wife, my EX-wife and my sister. Over the past 2 days, they have left numerous messages on each of those phones. And they use local area codes on their incoming caller ID, so as to hide their actual company and number. Very deceitful. Even their company has numerous 800 numbers attached to it, when I tried to research who they were and what they wanted. The company name is M.N.S. & Associates.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CO)

For three months we have received fraudulent charges to our Citi Diamond Preferred Mastercard. At first they reversed the fraud charges and reissued our cards. Then 2 months later we are still receiving fraudulent charges that they say are coming from the original card. We asked them to reverse the latest charge and close the account, but we just received an email stating they reversed the charges and are sending us new cards. I have called at least 5 times about all of this. It is next to impossible to get a person and when you do they don't seem to know what to do. I've asked for a supervisor and they hang up on me. I don't want this card, I do not want to deal with this company, and I am at the end of my patience We don't even use this card. I think it's astonishing that you can't get a customer service person that has the authority to take care of this.
Consumer complaint received 2020-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/2020 I transferred {$10000.00} from my XXXX XX/XX/XXXX XXXX XXXX XXXX savings account which in an online bank to my Huntington checking account In XX/XX/XXXX I received an email from huntington that transfer was denied after the funds were taking out of my account and would be returned in 3 business days On XX/XX/XXXX I went to the Huntington branch they wanted proof that the funds and the account that it came from belonged to both which were provided then I was told it would be another 3 days before the funds were returned XX/XX/XXXX I went back to the Huntington branch said that they though the funds were from a small business loan which they werent and they would be return in 3 business days XX/XX/XXXX I received a letter from Huntington bank saying to contact the XXXX XX/XX/XXXX since they were initiating bank XX/XX/XXXX I reached out to XX/XX/XXXXXXXX since they are an online institution I cant go in but they said since the transfer was done in the Huntington app Huntington is the initiating bank not bankcorp bank XX/XX/XXXX I received an email fromXX/XX/XXXX XXXXXX/XX/XXXX stating no error and they still with their decision to return or track or my funds
Consumer complaint received 2023-01-11
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2019-11-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

Based on online advertisements for Rocket Mortgage by Quicken, I proceeded to their website to get a quote for mortgage. The website then prompts the user to enter various personal information including name, DOB, job, residential history, income, etc. As with other websites, the user is lead to believe that they will be provided a quote prior to generating a 'hard ' credit inquiry. However, when arrived at the final step, Rocket Mortgage was prompting me to enter my SSN. I contacted customer support who verified the inquiry would be a 'hard ' inquiry. Having been mislead by their website, I was very disappointed and requested that Quicken delete my INCOMPLETE application and any information related to the aborted application. I was directed to XXXX XXXX with client relations where things only got worse. XXXX continuously asserted that, as a client, I could not have my data deleted. I argued that I am not a client as I aborted my application and was not and never have been a customer of Rocket Mortgage. XXXX was very rude in all of her interactions and basically encouraged me to file a report by mockingly saying they would not delete my information and would deal with the CFPB if/when they were contacted.
Consumer complaint received 2019-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I forwarded to TransUnion Consumer Relations. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, XXXX, XXXX, XXXX, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT intended to be used as a commercial account ( Information ).

See Attached Documents
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. HSBC has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to HSBC, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from HSBC to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXX or XX/XX/XXXX. And XXXX XXXX who took over HSBC verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.
Consumer complaint received 2017-09-15
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. (UT)

I was notified that there was an Equifax data breach. I punched in my SSN into their website and discovered that I was a victim. I have since spent hours upon hours searching through my personal information and researching how to protect myself. And the end is n't far from near. I 'm XXXX XXXX for the rest of my life.
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. XXXX has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to XXXX, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from XXXX to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXXor XX/XX/XXXX. And XXXX XXXX who took over XXXX verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (TX)

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. 

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 XXXXXXXX, 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 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 years.

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.
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recover, LLC (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements/documents on how this alleged debt was calculated. There is no need to state the law as I 'm sure you 're aware of both our rights under the FDCPA and FCRA. I await a prompt resolution to this matter. Also consider this my formal request for validation considering this is our first time communicating.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (VA)

MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A NAVY FEDERAL CREDIT UNION ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO EARLY WARNING SYSTEMS FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XXXX XXXX 2013. I CALLED BOTH EARLY WARNING SERVICES LLC AND XXXX XXXX XXXX. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX  YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH XXXX XXXX XXXX AND EARLY WARNING RECOVERY SYSTEMS LLC FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MD)

I wanted to send money to a friend in XXXX TN. 
I use Western Union on a weekly basis to send money to XXXX but this was my first time trying to send within the US using online banking. 
The site asked me for my bank user id and password. 
My bank manager said it must be a fraudulent website. 
It looks very real -- just like what I am used to seeing and with the same URL.
Consumer complaint received 2019-11-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AmeriCollect (IN)

On several dates during the month of XX/XX/XXXX, I received several phone calls throughout the day, XX/XX/XXXX through XX/XX/XXXX several times a day I would receive phone calls from this debt collector telling me that not only will they report me to local law enforcement but are also going to seek a chips order ( child in need of protective services. ) At first they refused to send me a bill, with an insurance breakdown, of the charges. I had 3 insurances at this supposed bill. Which they refused to do, citing some bogus wisconsin law that they can and will have me arrested. I called their bluff. It is now 40 days later and now there threatening me with a civil suit and wage garnishment immediately. Which again is agisnt Wisconsin civil suit laws and the fair reporting credit act. 
I would like this removed immediately from my report. Thank you
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

FIA CARD SERVICES, XXXX XXXX XXXX AND BANK OF AMERICA VIOLATED THE AUTO MATIC STAY XXXX XXXX-. ALSO, XXXX IS FAILING TO VACATE DEFAULT JUDGEMEMNTS ON FILE, THIS DEFAULT WAS ILLEGALLY GOTTEN BY ATTORNEY CHANGING ADDRESS IN THE MIDDLE OF LAWSUIT AND WAS NOT FURNIAHED FINAL COURT DATE. ALSO, REPORTING JUDGEMEMNTS ON XXXX, THAT IS SUPRESSED BECAUSE OF YOU.
Consumer complaint received 2021-02-04
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: AMERICAN HONDA FINANCE CORP (FL)

AMERICAN HONDA FINANCE XXXX Date Opened XX/XX/17 Balance {$23000.00} Late 60 Days As a client I now have legal rights that are granted to me to secure me from mis-information being accounted on my own credit report. At this time I need to make a final petition for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are ongoing to be confirmed as real. Kindly produce me with a copy with the contract settled or voice chat where I authorized billing me in this particular account.
Consumer complaint received 2021-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NY)

Original Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX Amount : XXXX $ Collection Agency : SIMONS AGENCY INC XXXX XXXX XXXX XXXX, NY XXXX Complain I talked with the billing department of the original creditor " XXXX XXXX XXXX XXXX '' several times regarding this bill. Everything in my account was paid in XXXX XXXX. 
Picture1 : I got the letter front the collection agency for a debt which does not exist. 
Picture 2 : A letter sent by XXXX XXXX XXXX XXXX showing XXXX balance.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (WA)

I was forwarded to CFPB by the FCC regarding a scam text message. I do not have unknown outstanding debts and have never heard of State Collection Service Scam text message below : Notice from State Collection Service, a debt collector. Document password is 5 digit zip XXXX Contact XXXX Reply Stop to end
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.
Consumer complaint received 2023-01-12
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. (CA)

Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, Solar Mosaic ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXX, CA XXXX but they never installed it. Attached is the letter sent to XXXX XXXX.
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent a letter to the bureaus about some items on my credit report on the 3rd week of XXXX that I don't recognize and I wanted to validate if they were mine. I haven't gotten a response from them after 30 days so I sent them more letters to give them a chance to get back to me and verify the information they put on my report or else they would have to delete it. I take my credit seriously and it has a huge impact on me and according to the FCRA their failure to respond to my disputes is a violation of my rights.