davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 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 2016-12-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

In 2011 my identity was stolen and my chase account was put in the negative XXXX XXXX after that they restricted it then closed it. I recently went to a chase bank in XXXX and tried to open an account and he told me i coudnt open one and he gave me a numer to call. I called and spoke to woman and she told me that i should have no problem at all with opening the account because when chase no longer wants to have you as a customer they will put it in your file and she also if i had any problem call them. I went back into the same branch spoke to the same associate and he told me i could open the account but it would go through a second review and they might close within two days and it did.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (TX)

Aldous & Associates P.L.L.C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX To : The XXXX XXXX XXXX XXXX for Aldous & Associates P.L.L.C From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My father XXXX XXXX is with me and he is XXXX XXXX XXXX his credit report is showing the wrong date of birth and he would like it fixed. There might be some fraudulent activity. It is affecting his scores and and he is trying to get a loan. 

Please help.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XX/XX/XXXX I stopped my ACH w/drawal for my mortgage payment to Bayview Loan Servicing ( my second mortgage company ) because I was offered by them a Forbearance Plan ( in writing on XX/XX/XXXX ) because my property was designated as being in a major disaster area due to Hurricane Irma. I did not apply for this, they gave it to me and stated that during this time I did not need to make any mortgage payments for three months. 

XX/XX/XXXX Letter certifying I sent them financial information they requested. 

XX/XX/XXXX Announcing that I am pre-approved to " complete a loan modification '' that will lower my monthly payments. I did not ask for this ; this was offered to me. 


XX/XX/XXXX Reference delinquent loan. I, at this time, had not been asked to make a payment. In fact, I was advised that my loan was in good standing. 

XX/XX/XXXX Acknowledging receipt of my complete Loss Mitigation Application. 

XX/XX/XXXX Announcing I am pre-approved to complete a unique loan modification. 

XX/XX/XXXX Signed Loan Modification Agreement Prior to Bayview contacting me about the National Disaster Program, my mortgage payment was being submitted timely each month. I did not ask for a modification or any change to my mortgage with Bayview. They offered it to me, and I accepted. I checked my credit report XX/XX/XXXX, and discovered that they had reported to the Credit Bureau that I was past due XX/XX/XXXX and subsequent payments. 

XX/XX/XXXX I contacted Bayview about this erroneous reporting to the Credit Report and received a letter stating in part that they were required to report factual data. The information they reported is not factual and is devastating to my credit score. This is very unfair for a business to be able to get away with such shoddy work. 

During the time I was dealing with Bayview for this modification, it was next to impossible to make contact with them. Maybe ten percent of the time the phone was actually answered by a human being. I mainly dealt with XXXX XXXX ( XXXX ) ; but would leave a time for him to return the call. 

I was a very good customer of Bayview. I paid my mortgage timely, eventhough I know I got a very bad deal from them in the beginning, but I honored my commitment, and they should do the same.
Consumer complaint received 2015-04-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Real Time Group, Inc. (UT)

IN XXXX I HAD TO REFINANCE BY PRIMARY RESIDENCE IN ORDER TO GET MEDICAL CARE IN UTAH! THE TERMS I AGREEDED TO PAY EXTRA FOR WERE AGREED TO BY XXXX AND MY APPLICATION WAS APPROVED BUT HAD TO BE RE-DONE PER THE BANK TERMS! I AGAIN WAS HANDED A BUNDLE OF PAPERS THAT WERE CLIPPED AND RUBBERBANDED WITH " SIGN HERE ARROWS '' AS THE AGENT FLIPPED THRU THE DOCUMENTS HAVING BE SIGN OR INITAL ; I NEVER WAS GIVEN THE OPPORTUNITY TO READ MUCH OF ANYTHING! WHEN I ASKED ABOUT THIS PROCEDURE I WAS INFORMED I WOULD GET A COPY OF ALL DOCUMENTS ARE REQUIRED WHEN THEY WERE PREPARED, PER STATE AND FEDERAL LAWS ( WHICH I HAD GONE THRU SEVEAL TIMES SINCE WE BUILT THIS PROPERTY AND OTHER PURCHASES OF THE PAST ) ; BUT I NEVER RECEIVED ANY COPIES, ALL I GOT WAS A MORTGAGE STATEMENT IN MID XXXX FROM XXXX, WHOM I NEVER HEARD OF TO THAT DATE!?! I CALLED MY AGENT AND HE SAID TO CONTACT XXXX AND LET HIM KNOW WHAT I WAS TOLD ; WHICH WAS XXXX AGREED TO FIX XXXX LOANS BUT NEEDED TO SPEAK WITH MY AGENT SO GOT BACK TO MY AGENT AND GAVE HIM THE NUMBER TO CALL AT XXXX! IT WAS CONTFIRMED AND CW AGAIN ASKED ME TO CONTACT THEM, AT WHICH TIME THEY CONFIRMED THEY WOULD FIX THE LOANS BUT TO GO AHEAD AND MAKE THE PAYMENTS IN GOOD FAITH AS THE PAYMENTS WOULD CHANGE MUCH AND I WOULD GET ANY CREDITS DUE ME! BY XXXX XXXX THE LOANS WERE NOT FIXED AND WE COULD N'T GET CW TO RETURN ANY CONTACT EFFORTS, SO MY AGENT TURNED THE MATTER OVER TO ATTORNEY XXXX XXXX, WHOM INSTRUCTED ME TO STOP MAKING THE PAYMENTS AND SEND HIM {$3000.00} FOR A RETAINER, WHICH I DID!?! THEN XXXX XXXX XXXX TOOK OVER THIS MESS AND OTHER THAN PLACING MY LOANS INTO THEIR " PROBLEM LOANS DEPARTMENT '', AND DUMMING THE XXXX MORTGAGE WITH REAL TIME RESOLUTIONS, INC., DID NOTHING WITH THE LOANS, I CALLED THEM MONTHLY AND JUST GOT THE RUN AROUND! XXXX THEN TURNED THE XXXX MORTGAGE OVER TO SPS ( SELECT XXXX SERVICING, XXXX XXXX WHOM, AFTER MY ATTORNEY XXXX XXXX BAILED OUT AFTER DOING OR ACCOMPLISHING NOTHING FOR ME, I LOCATED XXXX XXXX XXXX XXXX AND HE WORKED OUT A MODIFICATION WITH SPS BUT THE MODIFICATION WITH REAL TIME RESOLUTIONS , INC . TURNED OUT TO BE A SAND-BAGGING WITH A {$30000.00} " BALLOON PAYMENT '' ISSUE I CHALLENGED, AND ASKED FOR ACCOUNTING FOR WHAT IT WAS FOR!?! THEY ALSO TERMINATED THE MODIFICATION BECAUSE I DID N'T TAKE IT BY THEIR DEADLINE, SO NOW WE ARE BACK WITH MY " DISPUTE '' BUT THEY ARE JUST GIVING ME THE ROUND AROUND!
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have new and updated information from the credit reporting agency TRANS UNION. TRANS UNION did not comply with a proper investigation when I disputed the fraudulent hard inquiries on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). TRANS UNION responded by stating that I did not include my address on the FTC Report and they could not delete those inquiries because of that reason, although when filing an FTC Report form it does NOT require my address information in order to file a successful fraud complaint. This is a violation of my Federal rights because I have alerted and made TRANS UNION aware of the fraudulent, inaccurate and unverifiable information on my consumer report and they continue to report these fraudulent inquiries.This is causing me a great deal of emotional distress. I have provided a SECOND Identity theft report with my address in attempt to comply with TRANS UNION 'S request although the FTC does NOT require the address in order to file a complaint.
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc. (TX)

XXXX XXXX XXXX XXXX and Central Portfolio Control Inc. tried to collect a debt from me that I didn't owe. I sent over the creditors validation letter neither one of them Validated the debt in order to prove they were capable of collecting the debt in the 45 day allotted time given by the ( FDCPA ) Fair Debt Collection Practice Act. In fact, XXXX XXXX XXXX XXXX didn't answer back to my letter I sent them. Accordingly, to the Law when a collection company doesn't answer back with in 45 days they most stop all collection efforts and removed themselves from my credit report from all three credit bureaus.
Consumer complaint received 2015-10-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: High Point Asset Inc (TX)

I keep getting calls at my work office and I have told them not to call me at work. I just got another one over the weekend and they said in a harsh recorded tone that I am a person of interest and if anyone knows me or knows were I 'm at that they need to call them and let them know. XXXX.
Consumer complaint received 2015-06-18
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I took out a loan over a year ago that I could not pay. They have called and sent me emails threatening to have me arrested at work and to prosecute me for check fraud, among other things. They have shared my information with third parties as well.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

In early XXXX, I received notice from XXXX XXXX  that they were reducing my available credit to what my balance approximately was. The reason giving was one late payment ( which was paid without penalty after only a few days, after which I set up automatic payement ) and over utilization of credit. By lowering my credit score to match my balance, this creates the very problem they are complaining about ( overutilization ) and damages my credit score. This also sets the stage for other credit cards to arbitrarily lower my available credit on their cards because over " over-utilization '' further worsening my credit score and exacerbating a problem that didn't exist until XXXX first reduced my available credit. 

I fail to see how a bank or credit card company benefits by purposefully damaging my credit score and creating a snow ball effect destroying my credit, especially since I have paid on time and make more money than I ever have in my entire life. My credit score was in the low XXXX 's until synchrony took this action. Earlier this week, I received notice from XXXXXXXX XXXX XXXX XXXX card that they were taking the same action. My credit score now sits in the low XXXX 's, and this is after paying on time, having a mortgage and car, and making more money than I ever had. I now stay awake wondering which credit card company will be next, and how far down will my credit go -- even though I have made all payments on time! I did nothing to cause this decline -- the credit card banks did. I fail to see how destroying a person 's credit standing helps these company mitigate their risk, I would think it would increase it every time the score is hit for " over utilization '' caused by the credit card company NOT THE CONSUMER! 

If they are worried about risk, there are other ways of dealing with it other than destroying peoples credit. They were the one 's who extended the credit and set up the reporting system. They can deal with risk by suspending or denying further charges, or not giving out so much credit to begin with.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Daniels Norelli Scully & Cecere, P.C. (NY)

I entered into a settlement agreement with this debt collector where i agreed to pay {$100.00} a month beginning XXXX till XXXX. After which i would discuss how much i could pay going forward. I authorized to have the payments automatically deducted from my checking account for the above period. The collector continued to take {$100.00} out of my bank for the months XXXX without my permission. The debt collector admitted to taking the funds without my permission and has threatened to seek a judgment for the remaining balance. What can i do.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

has violated my rights. Or a list of inquiries : 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 2022-09-03
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. (MD)

To CFPB, I requested Equifax, XXXX, and XXXX to do a thorough investigation on my credit report to make sure all information on my report are accurate. Upon the agencies final review of their investigation, there was too many inconsistent information reported. 
Examples : The date the accounts was reported, the last time the company reported the account, documents to show I applied for the account In accordance with Fair Credit reporting act, ALL THESE ACCOUNT with account number has violated my rights. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (CA)

I was a victim of identity theft XXXX XXXX An account with XXXX XXXX was opened 3 days after we filed a report, but I was not notified of anything until a collection agency contacted me in XXXX XXXX. I called XXXX and was told they would take care of it. XXXX XXXX a XXXX collection agency contacted me. I again contacted XXXX and sent the information they requested by e-mail and received an e-mail in reply XXXX/XXXX/XXXX I received no further contact until XXXX/XXXX/XXXX when a XXXX collection agency contacted me. When I asked XXXX why the debt collection notification was the first I knew about the account they told me the original address was in XXXX XXXX XXXX. I live in XXXX. They could n't tell me how they then got my correct address. My husband and I have done everything to ensure that the identity theft was reported correctly and I know the FTC was notified also. I do n't understand why XXXX thinks that we will pay this bill.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

In XX/XX/2021, I noticed while during online banking that my CitiBank savings account had been blocked. I continued to check off and on and the account remained in the same status. 

I finally contacted XXXX over the phone and was told he could not give me any information. A few days later, I visited a branch and asked to speak with a personal banker. She was unable, according to her, to see my records and why the account was blocked. 

A few weeks later, after I calmed down enough to talk to someone else, I contacted the telephone number in the letter received. The representative, XXXX, could not share any information with me over the phone. My question to her as well as to XXXX was why was my account blocked and who can I talk to or where do I need to go to talk to someone. 

For over XXXX years, the {$10000.00} was just sitting in my checking account and I decided to move it from my checking to a savings account. That's when the issue happened. 

I feel that I am entitled to know XXXX ) why the account was blocked, XXXX ) why my funds were not accessible to me when I presented my ID at the bank, and XXXX ) why is it taking the bank so long to return my funds? The letter also indicated that all accounts associated with the savings will be closed ay the end of XXXX thereby, causing me to contact all companies where I have autopay.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union had a glitch in their system that violated the rights of their consumers under Section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL be removed : 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.