davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
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: EQUIFAX, INC. (OH)

I have noticed several unauthorized accounts on my credit report. This complaint is submitted Under OHIO LAW U.C.C XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is in error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs ; if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following accounts are unrecognizable : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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 XXXX  account : XXXX XXXX XXXX # XXXX, & XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX. # XXXX & XXXX XXXX. # XXXX Has Violated my rights. 
15 U.S.C. 1681 Section 602A. : States I Have the Right To Privacy 15 U.S.C. 1681 Section 604 A. Section XXXX : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions..
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the fair credit reporting act XXXXt account : XXXX XXXX XXXXXXXX # XXXX, & XXXX XXXX  XXXX. # XXXX, & XXXX XXXX XXXX. # XXXX, & XXXX XXXX XXXX. # XXXX, & XXXX XXXX XXXX. # XXXX & XXXX XXXX XXXX. # XXXX & XXXX XXXX. # XXXX Has Violated my rights. 
15 U.S.C. 1681 Section 602A. : 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 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have not validated any of the debts TransUnion has furnished. I believe they are attempting to coerce me to pay on inaccurately reported accounts. No attempts were made by TransUnion to verify the account information with the consumer. I've made multiple attempts to resolve this issue, the most recent being XX/XX/2021.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FRESNO CREDIT BUREAU (CA)

On XXXX I checked my so-called credit score and I noticed a so-called unpair dent from a DEBT COLLECTOR : CREDITORS BUREAU USA The so-called original debtor : XXXX XXXX XXXX XXXX Had fraudulent reported my information to third parties, as a consumer I would like this fraudulent information deleted off my so-called credit score and I am seeking monetary relief.
Consumer complaint received 2020-08-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (AZ)

We currently have our VA mortgage with Freedom Mortgage. We were contacted to do a streamline refinance to 2.875 %. We went ahead with it, and scheduled a closing. We were later contacted by our mortgage lender, who said that we should be able to get lower. I contacted Freedom Mortgage who had me speak to a mortgage rate negotiator I spoke with XXXX XXXX XXXX NMLS # XXXX ; Corp. NMLS # XXXX. He stated that he could lower us to 2.75 % and it wouldnt affect our closing. He said " I simply have to price out the loan and that's all. Once i do that, i get it approved by my supervisor and update it in the system. '' He told us to go ahead with the closing, and it would be taken care of. I followed up, letting him know that the closing was done, and he asked for my loan number. I provided it to him, and have not heard back. That was XX/XX/2020. Our interest rate has not be reflected to what we were told by this loan advisor. We signed closing documents under false pretenses and he will not respond to emails or provide information for his supervisors information.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: General Motors Financial Company, Inc. (MS)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF Gm Financial, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My credit file has been mixed up with my sons we have similar names and share the same address. His accounts are reporting to my credit report. 

These account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Mistaken identity/ does not belong to me.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I was frauded by someone living in XXXX. Filed a dispute with my Wells Fargo and they were unable to help me or get my money back. I did my research and found more info on the person in XXXX such as phone number and home address.
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MA)

I was a patient at the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX County, NJ ) from XX/XX/XXXX to early XXXX. I am receiving bills from a collections agency ( Radius Global Solutions, LLC ) for services I received at the facility. 

However, I did not receive a single bill from XXXX for any of these services, either by mail or online. I have a subscription to IXXXX XXXX XXXXXXXX from USPS, so I have a record of NOT receiving any bills from XXXX  facility. I did not receive e-bills on XXXX either. 

I have made a few payments in good faith, but the collection bills keep coming and I am afraid they may not be legitimate. This practice of XXXX sending bills directly to collections is questionable. I am been unable speak to someone at XXXX who could explain why this happened and help resolve the distress I feel from these collection letters. 

I mailed a letter to the collection agency in XXXX asking them for a complete, itemized amount owed. I have received no response. I then mailed another letter on XX/XX/XXXX questioning the veracity of the bill to the collection agency. This time I took pictures of the letter and of the envelope -- again so response yet.
Consumer complaint received 2021-09-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Synergetic Communication Inc (FL)

This company has failed to provide sufficient verification to the three credit bureaus as I requested to have verified this debt belongs to me as they say, and nothing has been sent to me as any proof therefore they have now again sold my information to yet another collection agency that is abusive on the phone please be aware of this scamming company the names are XXXX XXXX XXXX XXXX and Synergetic Communications, INC
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Consumer complaint received 2021-09-16
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. (NY)

Equifax furnished invalidated accounts attempting to coerce me to pay. The accounts have not been validated by the consumer and no attempts were made by Equifax to verify the information with the consumer. I've made attempts to resolve this issue, the most recent being XX/XX/2021.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (FL)

***Please note. This is related to Binance.us, not Binance.com*** On Binance.us, I signed up to sell my XXXX that I have held in my possession since XXXX. I was not sure how to sell it so with the help of a friend, I sent it from my ledger to XXXX. I had XXXX XXXX. I was able to sell it and turn it into US currency. In fact, my current visible balance on Binance.us is over {$20000.00}. 

I quickly passed their " Basic Verification '', and was moved on to " Advanced Verification '', to which I had supplied all documents, and have been in " Pending Verification '' since XX/XX/XXXX. 

Their support area of their website says that if I even TRY to send a ticket, that, not only will it NOT be answered, but it could push my verification back even further. ( This scare tactic for a company who is holding {$20000.00} of my dollars is completely unacceptable. ) Please help. Thank you.
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX i have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2021-12-01
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: EQUIFAX, INC. (NC)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-11-20
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX i have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX. I just got off the phone with XXXX who stated they were told by Wells Fargo to add an account that does NOT belong to me nor have I ever owned a WF card and refused to remove remarks from my mortgage as a joint that have since been removed for my sister. 

XXXX has added my sister 's Wells Fargo Card to my profile and refuses to remove remarks for an investigation she initiated on our old home mortgage. I spoke to a manager XXXX operator ID who not only refused, but stated it was not in " their policy '' which is not true as my sister has had all these issues resolved after 5 months. I am applying for a mortgage & my stellar report is now mixed with my sisters when we don't even have the same information and I have never owned a WF card. Please remove this card account off of my profile immediately and clear all the remarks from my joint home mortgage as the account was never in dispute from XXXX XXXX XXXX. Wells Fargo and XXXX have been reported to the attorney general for their intrusive and blatant disregard of my credit history which is my own and for them to cause a mix-up is unacceptable.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Long & Foster Financial Services, Inc. (TN)

I am the seller of a home. The buyers did not qualify because of debt ratio on the day we were suppose to close. This process took 45 days. The loan officer missed ordering the appraisal and the buyers went over the required response after the home inspection of 5 days to counter. 

The buyers were pre-approved for XXXX. The sale of the house was XXXX. The loan officer updated an pre-approval letter to satisfy the contract. Now, the loan officer is saying that buyers lost their only income stream. The denial letter states Insufficient income, but in an email, she said they LOST their only source of income. Which would be Unable to verify employment ( if they lost their job ) OR, they were never qualified to begin with. Which means she didn't do her job correctly.

There has to be something that protects sellers for buyers remorse and people easily backing out of a contract and receiving their earnest money back, by simply calling and saying I lost my job, or can you get me out of this deal to the loan officer. My house is in a popular area and was taken off the market for 45 days and had multiple offers turned down do to the contract.

This defeats the whole purpose of earnest money!

Also, I had a contract on house with contingency to closing on my house. Which, I may lose!
Consumer complaint received 2022-01-16
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. (NJ)

I purchased XXXX pieces dining set ( XXXX ) from XXXX located at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The total price of 7-piece set ( one table, 5 chairs and one bench ) was {$1100.00} including sale tax on XX/XX/XXXX. The purchase was financed by Brand Source for 12 months at zero interest after opening a new credit card account. I was advised that bench will be available in first week of XXXX, XXXX which I considered reasonable time to wait for bench. I picked up 6 pieces excluding bench form their store in XX/XX/XXXX. When I did not hear any thing from the store regarding bench, I called store on XX/XX/XXXX to find status so that I can pick it up. As I did not hear any positive response, I visited the store and talked to sale rep as well as Manager. I discussed to explore another reasonable acceptable alternative. First they agreed to accept return. But when we went next day to return, they flatly told me that there is no other alternative other than waiting for bench and promised me that bench will definitely available in first week of XX/XX/XXXX which was not acceptable. Recently, I again called store as I did not hear anything from store again. Now, they are advising me to wait until middle of XX/XX/XXXX. XXXX keep extending the date of availability with no another alternative which is unreasonable in terms of sale order and unfair business. Delay in delivering bench is causing risk of unmatching color of bench with rest of the dining set due to age which why we have to bear after paying full price. 
In the meantime, I called Brand Source to use my rights to dispute this transaction as order was not delivered as per sale order contract signed by both parties. I provided all information that all my efforts to resolve issue with the store were unsuccessful. But credit card company told they can not help me in filing dispute as I have to resolve it with the store. 

I would like to dispute {$1100.00} as I am dissatisfied with this credit card purchase because XXXX is failed to deliver all items as per sale order XX/XX/XXXX and request credit card company to investigate the issue. If above statement is correct and XXXX is failed to deliver items as per sale order, my credit should be reversed and all paid money should be reimbursed to me.
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the XXXX year history it is not uniform across the board which it should be...