davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Consumer complaint received 2022-10-09
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: Rocket Mortgage, LLC (MO)

On XX/XX/2022, " XXXX XXXX '' reported a fraudulent inquiry to XXXX which was not the result of any credit-seeking activity on my part. XXXX XXXX informed me this was from Quicken Loans LLC. Quicken Loans LLC informed me this was from Rocket Mortgage. Rocket Mortgage XXXX XXXX XXXX XXXX XXXX informed me there was an error on their website which resulted in the inquiry being sent by mistake. She stated on XX/XX/2022 : " Thank you, XXXX. I will get this information over to XXXX XXXX so they can move forward with removing the inquiry. '' XXXX at XXXX and XXXX repeatedly hang up on my relay calls and refuse to take any of my information to report the issue since XX/XX/2022 ( monthly IP relay call logs can be provided for this behavior ). XXXX refuses to acknowledge the mail sent to them via USPS on XX/XX/2022 and XX/XX/2022 as no response has been received and no acknowledgement made. XXXX XXXX insists they were legitimate in fraudulently accessing my credit report when it was unauthorized. Rocket Mortgage has been unable or unwilling to take further action to resolve the problem. As a result, I am paying higher home insurance premiums because of this fraudulent access of my credit report and fraudulent inquiry made by some bogus website.
Consumer complaint received 2022-10-09
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: CBC Companies, Inc. (MO)

On XX/XX/2022, " Factual Data '' reported a fraudulent inquiry to XXXX which was not the result of any credit-seeking activity on my part. Factual Data informed me this was from XXXX XXXX XXXX. XXXX XXXX XXXX informed me this was from XXXX Mortgage. XXXX Mortgage XXXX XXXX XXXX XXXX XXXX informed me there was an error on their website which resulted in the inquiry being sent by mistake. She stated on XX/XX/2022 : " Thank you, XXXX. I will get this information over to Factual Data so they can move forward with removing the inquiry. '' XXXX at XXXX and XXXX repeatedly hang up on my relay calls and refuse to take any of my information to report the issue since XX/XX/2022 ( monthly IP relay call logs can be provided for this behavior ). XXXX refuses to acknowledge the mail sent to them via USPS on XX/XX/2022 and XX/XX/2022 as no response has been received and no acknowledgement made. Factual Data insists they were legitimate in fraudulently accessing my credit report when it was unauthorized. XXXX Mortgage has been unable or unwilling to take further action to resolve the problem. As a result, I am paying higher home insurance premiums because of this fraudulent access of my credit report and fraudulent inquiry made by some bogus website.
Consumer complaint received 2022-10-09
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 recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX ACCT # XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection angecy. I will await your reply with the above requested proof Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after All accounts in dispute listed below.
Consumer complaint received 2021-03-12
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: Conn's, Inc. (TX)

I have been a victim of identity theft. Have been dealing with this on going for 14 yrs now. This being one of the accounts opened in my name. Never stepped foot in this establishment nor have i acquired services or goods from there.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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  with account number XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 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 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXXXXXX XXXX  XXXX  account. On my equifax credit report for the year of 2020 it shows XXXX as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my XXXX credit report it shows XXXX of 2020 as current, XXXX as XXXX, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the year 2020 it shows XXXX as late on my XXXX report but on Equifax it shows current.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Comerica (MI)

Hi- Comerica bank on XXXX XXXX in XXXX michigan is attempting to collect fees not owed. On XX/XX/XXXX I went into the banking branch because they had closed my savings account for exceeding the transfer limit. When i went in I closed all accounts that day, 4 accounts, 3 checking and 1 savings. I told the bank enployee I wanted to close all accounts, at that time they gave me a check for approximatly 18k from my savings and {$400.00} cash from my checking. The bank is now telling me that the account was not closed on that day because of a pending transaction for {$20.00} from 2 days prior to me coming in and that the account was not closed that day and that the tip of {$6.00} I left overdrew my account. There was no mention of a pending transaction the day I closed the accounts. I asked to close my accounts they gave me the check and the cash and i left thinking my accounts were all closed, come to find out only 3 of the 4 were closed. Because changing my auto drafts to my new bank took 7-10 business days, some of those payments still went through to the comerica account which should have been closed. Now comerica is stating I owe over {$200.00} in overdraft fees on an account that I thought was closed. The bank has stated that they can not close an account when there is a pending transaction which is fine but this should have been comunicated to me rather than make me think the account was closed knowing that this could happen. Had they notified me that the account was not closed because of a pending transaction I would have come back in a day or two to close the account. The teller cashed out my account that day knowing there was a pending transaction that did 2 things, it made my account left open and opened me up to over {$200.00} in fees. I have perfect credit and have never disputed any charges, the way this bank conducted business was deceptive and resulted in fees that I should not be responsible for. The employee at the bank clearly knew I was there to close out all accounts and failed to do so, and failed to disclose any other details. She failed to notify me that she was unable to close the account at that time.
Consumer complaint received 2021-03-12
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. (CA)

I SENT NUMEROUS AMOUNTS OF REPORTS TO REQUEST FOR VERIFCATION OF REPORTS THAT ARE INCORRECT FRAUDULENT AND ID THEFT. I SENT AN NOTORIZED AFFIDAVIT THAT HAS NOT BEEN LAWFULLY ANSWERED ABOUT MY QUESTION OF METHOD OF VERIFICATION OF THESE ERRORED ACCOUNTS. THE HAVE NOT IN 6 MONTHS OF ME REQUESTING SENT ME WHAT I REQUESTED OF A COPY OF AN ORGINAL WET SIGNED CONTRACT BY ME OBLIGATING ME IN ANY FORM ID THEFT ACCOUNTS NEED TO BE DELETED, ID THEFT, FIALURE TO RESPOND LAWFUL WILLFUL VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/2019 XX/XX/XXXXXXXX XX/XX/2019 XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XX/XX/2019 XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK (CA)

I have been trying to contact Discover 's legal team FOREVER, in order to settle my credit card debt for less. I have called over twenty times, however, they keep selling my debit to third party Collections agencies, and the latest one is XXXX XXXX  XXXX, which have a dishonorable reputation, rarely pickup the phone for negotiations, haven't made an offer, and are probably getting ready to sue me and garnish the very little stimulus check money I have in my account. It is indeed going to cost them more to sue me than settle with me over the phone. 

As I was able to reach them after numerous attempts, I offered to settle for less. The representative of XXXX XXXX  XXXX gave me the impression that she is working with me and that it's a " done deal. '' That was my perception. She asked numerous personal questions regarding my income, personal assets, about where I live, what I drive, how much I make, some other stuff. Then she placed me on a brief hold and came back by stating they can't settle for less and are offering to settle for {$4900.00} which is around six time the amount I had offered. She purposefully gave me the impression that those personal questions were asked to settle for the amount I had offered. 

I will be moving soon to the East, if everything goes as planned. XXXX XXXX  XXXX have allegedly transferred the debt back to Discover as I told them about the move. They don't operate there. I think this worked to my benefit since I wound't wish this entity upon my enemies. 

After the transfer, I have called Discover, the original debtor, an unhealthy amount of times, recorded many of these calls with their consent to prove in the court, when and if the time comes, that I have made the attempts. They either do not have the debt or are rude or unhelpful. The last, rude girl from the legal department yelled at me for recording without her consent, even though they'd been recording me constantly without my " yes '', and the app I used specifically mentions that it is being recorded. 

I was diagnosed with XXXX a couple of years ago, ( I can provide with the papers ), and I've been XXXX  XXXX  due to not being able to speak to anyone and/or negotiate in a reasonable manner. This is insanity. I understand my obligations, but unemployment happened, followed by Covid, XXXX XXXX  and despair. Why aren't this companies approaching more humanely? Why is no one contacting me with a reasonable offer? I can offer 15 % of the original debt for a full settlement. I am extremely poor right now, extremely XXXX. Please help.
Consumer complaint received 2021-03-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I went to buy I brand new car from team XXXX XXXX Nj which is located in XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. In XX/XX/2019 Unfortunately since its the first experience for me I trusted the finance manager that he will do the finance through his company only but I found out he run my credit score almost 23 times with deferent lenders which effect my report and I even didnt get the approval from his company although I was 100 % coalfield to. He chose the lender who gives him more commission and charge me with 11 % interest rate for 6 years which will cost me to pay the vehicle price 1.5 time the real sale price. I have no option that time but since that time Im suffering with the monthly high payment which is {$590.00} and I found out that I cant refinance as he said.
Consumer complaint received 2022-10-08
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  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (GA)

In XX/XX/2020, I XXXX XXXX extended credit to Best Buy Citibank. For a year I have been deceived into making payments. Best Buy has been harassing me, calling me multiple times a day during unusual times. Best Buy did not receive any consent from me to contact me. In XX/XX/2020 after extending this line of credit, Best Buy never notified me that this was an attempt to collect a debt nor did they notify me of the right to validate or dispute this alleged debt. This is a violation of the Fair Debt Collections Practices act. Not only does Best Buy engage in unfair abusive debt collection practices, but they also furnish false and deceptive reports to XXXX XXXX and XXXX. I never gave them permission to report anything to my consumer reports and they did not inform me of my right to opt out. This is a transaction in which a finance charge is involved using my open ended credit plan, therefor Best Buy requesting payments by cash, check or mail is deceitful and a violation. I have attached and Affidavit of Truth, Debt Validation and a Cease and Desist letter to Best Buy. These documents contain over 10 violations with proof. Upon receipt of these documents, Best Buy has 30 days to respond. If a response is not received, this account and alleged debt should be closed and Best Buy is to cease any further attempts to collect.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (IL)

I have received a letter explaining I should have received an EIP card but it's not been activated. I never received the card so I called the XXXX number for XXXX listed XXXX - but none of the options work and there is no option to speak to an individual. There is also no email or place online to report a lost or undelivered card. The fact that economic stimulus payments are being distributed by a vendor who does not have a proper customer service center or working phone tree for filing lost cards is absurd. I am trying to claim this EIP but again, none of the phone options work and no combination of my SSN and zip works.
Consumer complaint received 2021-03-12
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. (NY)

Looking through my report and I still notice the accounts that I've previously filed XXXX on the following : XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-28
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. (TX)

I had initiated a dispute with Equifax on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Equifax of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by Equifax for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.
Consumer complaint received 2021-08-13
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. (OH)

On XX/XX/XXXX sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.