davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-05
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. (GA)

XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$440.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2015-06-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IL)

I am currently unemployed since XXXX 2015, position was eliminated and have been aggressively seeking employment. I was able to stay afloat with income tax returns but now I am falling behind now 2 months mortgage payments and car notes along with monthly utility bills. Single parent of XXXX sons and I believe I 'll be getting a job real soon. I just need a little help to pay what I 've fallen behind on and I can get back on track. Thought moving from the city to the suburbs to give my children a safer place to live and better opportunity to succeed in this world without dealing with bullying and senseless crime. But I need a little help. So please if at all possible I need financial help until I get back on my feet financially.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

XX/XX/2023 Jefferson Capital Systems called twice. The first call I was told they were going to dispute claim and send me paperwork. Then on XX/XX/XXXX they called me again and said I have a debt collection and I told them I do not have an account with them and have filed a dispute and I told them what I was told on prior call, that they were suppose to be filing a dispute. I was told again they were sending me a fraud package and it would take 30 days to receive it. I was told to complete paperwork and send it back. 
They say this debt originated from a company called XXXX, I have no clue who this company is or what this debt is for. Now I have 2 collections accounts from Jefferson Capital on my credit reports. Also I have disputed an address and a phone number on my credit report that do not belong to me with the credit companies. I need help in getting this off my credit report, this is identy fraud. On XXXX I spoke with XXXX and they directed me to file complaint with you, because their investigation about the dispute was verified as accurate which is incorrect.
Consumer complaint received 2020-04-05
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. (FL)

I HAVE A SEVER XXXX XXXX AND NO ACCESS TO EQUIFAX OR XXXX. Documentation of request options for my XXXX TO NO AVAIL. My letter XX/XX/XXXX to Equifax requesting VERIFICATION OF ORIGINAL WRITTEN DOCUMENTATION TRANSACTIONS PURCHASED BY ME DELIVERY ACCEPTANCE SIGNATURE OF DELIVERED INTO MY HANDS. Proof XX/XX/XXXX EQUIFAX RECIEVED THE BELOW : XX/XX/XXXX USPS. case # XXXX CRIMINAL INVESTIGATION OF DELIVERIES NOT DELIVERED AFTER XX/XX/XXXX. 
XXXX XXXX CLAIM dated XX/XX/XXXX XXXX XX/XX/XXXX FRAUD OF {$470.00} UNAUTHORIZED TRANSACTIONS INVESTIGATION TOOK 10 MONTHS TO COMPLETE. FTC Ideninity Theft case XXXX dated XX/XX/XXXX. IT APPEARS STATUTES ARE IGNORED BY EQUIFAX AND XXXXEquifax Confirmation XX/XX/XXXX XXXX XXXX DID NOT CORRECT THE ISSUE. I was DENIED CREDIT DUE TO INCORRECT CREDIT REPORTING. THIS IS ID THEFT. XX/XX/XXXX see attatched. I followed ftc guidelines BANK AND CRA DID NOT.
Consumer complaint received 2018-06-07
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act XXXX XXXX Account : {$3700.00} XXXX XXXX XXXX XXXX, Account : {$8700.00} XXXX XXXX : {$5000.00} Enclosed are the following : Theft Report and proof of my identity.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

Citibank closed my account back in XXXX due to the accusing me of posting a fraud check. I called Citibank and I had them call XXXX XXXX  who issued the check and they verified that the check was not fraud, but they could not re open the account. I said that is fine just send me my money. The representative told me I will be getting my money within 60 days. Its been more than 60 days I have not gotten my money or any updates. Every time I call them all of a sudden my mothers maiden name is not correct and they can not access my account but when I threaten to get a lawyer the representative then all of a sudden told me he can see my account and that he sees that I am owed money but he cant help me and he will ask the escalations department and states he will personally call me back within 48 hours. I never got a callback. I have called every single day and the representatives that answer either hang up on me or they told me that they have to look into it further because they cant answer my questions on whats happening with my money! All I want is my money!!! 
Citibank is fraud and thieves. My mothers maiden name has never changed and I was able to access my account with that name prior to me asking for my money but since I want my money they are stating that that is no longer correct. This is ridiculous.
Consumer complaint received 2015-08-25
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (CT)

Quicken Loans has a lure on the internet saying if you would like to know about the Making Homes Affordable Act to sign in. When you sign in you get no info about the act. Just a come on to apply for one of their loans and immediate access to giving telemarketers your info to contact and harass you. There is no way to opt out. There should be a sanction on false advertising and an opt out so if you get suckered in you can get out.
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

In according with the fair Credit Reporting Act 15 USC 1681 & Fair Debt Collector Practices Act 15 U.S.C 1692 XXXX, my rights have been violated my rights. 

Negative Accounts 1 ) XXXX XXXX # XXXX XXXX  XXXX ) XXXX # XXXX ( Never Late ) 3 ) XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602.A : states I have thge right to privacy.

15 U.S.C 1681 section 604 : It also states a consumer reporting agency can not furnish a account without my permission.
Consumer complaint received 2022-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: AmOne Corp. (IL)

So because Illinois closed the payday loans I had no other choice but to look online for a quick loan. I searched and found AMOne as they explained they pair you with lenders. Their system routed me through a series of lenders and I was matched with a supposed lender " The online lender took all my information including photo ID because they don't have a physical office.

Once I completed the application I did not receive any additional information. Of course I called AM ONE and now told they don't know which lender it was and so forth and so on. I feel stupid for trusting online however, I have no other choice but to file this complaint. I am certain my information has been sold on the dark web. So now I am going to close my bank account and open a new on today with XXXX XXXX XXXX. Also see what else I can do to protect my identity.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (NE)

WHILE ON THE WEBSITE IT WOULD NOT ALLOW MY LOCKING THE CREDIT REPORT WITHOUT PAYING A FEE. 

ADDITIONALLY, MY INITIAL CREDIT SCORE WAS XXXX, AFTER I " JOINED '' THE SCOPE IMMEDIATELY JUMPED TO XXXX. THIS IS ARTIFICIALLY HOLDING THE SCORE DOWN AND DOES NOT REPRESENT FAIR CREDIT REPORTING. THIS WILL BE REPORTED. 

EXPERIAN HAS CLEARLY ADOPTED ITS BUSINESS MODEL TO FORCE THE CONSUMER TO PAY TO GET ACCURATE AND UPDATED INFORMATION, WITHHOLDING THE KIND OF INFORMATION NECESSARY FOR THE CONSUMER TO PROTECT THEMSELVES AGAINST DIGITAL THEFT OF THEIR DATA. 

ACCURATE AND FAIR REPORTING OF CREDIT SCORES AND LOCKOUTS ARE TO BE BASIC TO PROTECTION AND PRIVACY IN THE PROCESS OF PROVIDING THIS INFORMATION. THEIR FEES FOR SERVICE SHOULD BE ON THE BACKS OF THOSE THAT USE THE BUSINESS INTELLIGENCE IN THEIR FOR-PROFIT BUSINESS, NOT ON THE BACKS OF THE PEOPLE WHOS DATA IS USED FOR THAT BUSINESS INTELLIGENCE. EXPERIAN IS CHARGING ON BOTH SIDES OF THIS DIME AT THE EXPENSE OF THE CONSUMER THAT CAN NOT AFFORD THEIR SUBSCRIPTION FEES AND THIS NEEDS TO BE CORRECTED.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Recovery Solutions LLC (NY)

XXXX XXXX from Atlantic Recovery Solutions has repeatedly contacted numerous members of my family. XXXX XXXX has left threatening and intimidating messages with not only myself, but with multiple members of my family on more than one occasion. XXXX XXXX has not disclosed the purpose of his call and only asserts that he is calling regarding a very " time sensitive business matter. '' I have never received written verification from this company regarding any debts that they claim I owe to them.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (FL)

On or about XXXX XXXX, 2016 a Complaint was filed against BB & T with Case # XXXX. 
As of today my requests were either delayed, denied and or flat our ignored. There is still a total of XXXX deposits that are " MISSING '' from the account in question. The Deposits total an amount of {$2100.00} and was given to the bank or about XXXX XXXX. As of today the money is still not available and not showing in account, even though Banking Institution have the funds. This banks continues to inflate and or " COOK '' the books. Where is the stolen and or Lost funds?
Consumer complaint received 2024-02-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. This creditor/ collection agency is fraudulently reporting this information since I have never signed any contract or been in any agreement with the company. I also, have reason to believe that the company XXXX not be licensed to do business in the state of Illinois. 

This information should not be reporting on my credit profile since it is under dispute and should be removed immediately.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FISERV INC. (FL)

This latest report is in connection to report number : Complaint Number XXXX. 

On XX/XX/2022, I contacted the Money Network Customer Service at XXXX via phone and reached a representative by the name of " XXXX. '' I briefed Money Network through several phone calls of the escalating unauthorized charges to my debit/credit card and the lack to provisional credits from Money Network to customers that are victims of fraudulent activity. XXXX directed me to go back to the property where the fraud occurred, and provide the manager with an email to Fiserv. When I asked XXXX, " What is Fizerv, '' XXXX began to stumble on her words. I continued to ask XXXX something like 'Why is Money Network asking me to go back to the property were fraud occurred to provide an email address and contact information for Fiserv ? ' XXXX informed 'Fiserv is an account [ inaudible ] with/on [ inaudible ] money network. ' XXXX then put me on hold for a long period of time. The phone call was disconnected.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Five Clans Lending LLC (CA)

I received a call today from the Collections Dept ( person 's name was XXXX ) from a company called Elk Lending. She advised me that I supposedly had taken out a {$500.00} loan and that the first payment was past due in XX/XX/2021. I immediately advised that I never took a loan out, and that I have never heard of Elk Lending. She apologized but they are requiring me to file a police report and an IdentityTheft.gov affidavit and email both to them at XXXX to hopefully clear this up sooner rather than later. 

I called the XXXX number as referenced on the upper left hand corner of the Elk Lending website ( https : //elklending.com/ ). I spoke to a woman by the name of XXXX. I requested she transfer me to their security department and she did not. She provide information exactly as what XXXX  provided to me. She also was kind enough to provide me my supposed login credentials to the Elk Lending website so I can poke around to see what information I can possibly find in there. 

Between XXXX and XXXX, I was provided the following information : {$500.00} loan, approved on XX/XX/2021. Loan was sent to a bank account at a bank named XXXX XXXX XXXX  same day. 

This is obvious fraud and identity theft as I don't need a loan, have need heard of nor bank at XXXX XXXX XXXX. 

How does this company verify that it was legitimately me applying for the said loan? They have my name, social and birthdate. They should be verify other information as well ( employer, paystub, etc. ). 

How do we resolve this quickly? What a hassle. 

Thank you in advance! 
XXXX
Consumer complaint received 2022-11-17
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-07-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Pursuant to the Truth in Lending Act Regulation Z, I am the " creditor '' and " consumer ''. XXXX XXXX, XXXX has sent me a bill making it a " debt collector '' via its monthly written statements as to its form of " communication '' to me. 

LXXXX XXXX XXXX claims that I owe an alleged debt and has told me numerous times that I have an alleged debt to pay. As the " consumer '', XXXX XXXX, XXXX never had my consent to even contact me. Even so, it has communicated with more than one location with my non-public information that it has shared with other companies including Lakeview Loan Servicing , LLC and its payment center. I demand that XXXX XXXX XXXX cease and desist communications and I refuse to pay the alleged debt as a consumer. The action that XXXX XXXX, XXXX is taking is harassment and there is no alleged debt as all mortgage loans are prepaid. I request that this company stop using false, misleading, and deceptive tactics. There's no possible way that it to invoke a specified remedy as it, the " debt collectors '' can not use attorneys as there are none. This company 's unfair business practice was created in deception and fraud as it has obtained finances from me the " consumer '' through pre-meditated extortion to take legal actions when it has no authority. 

I, the " consumer '' challenged this alleged debt with a debt validation notice. I demand that all payments ever made to XXXX XXXX XXXX be refunded back to XXXX XXXX as this is a fraudulent scheme that XXXX XXXX XXXX  has created. 

XXXX XXXX XXXX is asking for " payment '' which means a payment that is made to further the commercial development of oil, natural gas, or minerals ; and not de minimus ; and include taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals. I can not pay XXXX XXXX XXXX  as I do not operate any of the three resources mentioned above as oil, natural gas, or minerals.
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (MD)

I have no received and disputed this debt XXXX times from XXXX. Every time I ask for verification of the debt, they have just stopped calling. The latest debt collector, however, did provide a verification but it has no detail at all so I ca n't figure out what the charges are for. I had a XXXX account at that address but everything was paid in full when I moved. 

Now the item has been reported to my credit report despite my continued disputing of the debt. And despite requesting to only be contacted in writing, they continue to call about this debt.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have had issues with equifax credit bureau. I have tried to go for loans starting with my own bank XXXX XXXXXXXX XXXX for a loan in the month of feburary 2022. I have spoken with my bank here in XXXX ohio and it turns out that i was rejected because of Equifax. I asked equifax to remove the security freeze from my credit profile twice on XXXX seperate occasions and it still turns out that they have a blockage on my credit report. 

Equifax kept the security freeze on my report even after i have asked them on XXXX seperate occasions to remove it. XXXX XXXXXXXX XXXX tried several times to pull my credit and they could not becuase equifax still has a security freeze on my credit report. 

I want the freeze lifted os that i can apply for loans and credit cards this act is very discriminatory that a bureau says that the freeze is lifted and its not. I lost my loans and credit cards because of them.