davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FORD MOTOR CREDIT CO. (FL)

On XXXX I received my XXXX XXXX XXXX XXXX statement. On this statement I earned XXXX points. However, my XXXX has not been updated with the points as off XXXX. I have called repeatedly to have this matter resolved to no avail. XXXX refers to Ford and Ford refers to XXXX.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (TX)

I want to block and arrest the person who issues credits I am not familiar with from XXXX XXXX XXXX, XXXX XXXX, Wells Fargo XXXX and XXXX XXXX XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.
Consumer complaint received 2022-11-11
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)

I settled my XXXX account but yet it is still showing an outstanding balance of {$9000.00} when a settled account should have the balance updated to XXXX and reported as paid settled for less than full balance this information is being reported incorrectly on my credit profile and should be updated I have reached out to the XXXX burearus the XXXX XXXX XXXX account is on being XXXX  and equifax and have not heard about the dispute i have also reached out to XXXXXXXX who is refusing to get issue correct in a reasonable time matter
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NJ)

Company continues to call my parents landline phone when I have asked them to stop. They also constantly call my cellular device when I asked them to cease multiple times. 

This debt is from XXXX. I payed my final bill and they tacked a crazy amount of money for leaving their service, which I should not have to owe them a thing.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MA)

I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Equifax. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (AL)

Received notice from IRS of a tax notice. Payment made on XXXX/XXXX/2010 which happened to be the same date as a tax lien was filed. Unable to get explanation from IRS or Equifax as to reason lien was filed on same date as payment.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (LA)

My current credit report is stating that my payment history is reflecting a late payment from the company KIKOFF. This information is incorrect. My payments have been on time each 30 day period. This information reflects my credit activity incorrectly and now is prohibiting me from closing on my first home. This account needs to be deleted immediately.
Consumer complaint received 2016-07-23
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (IL)

I was given a Reverse Mortgage by XXXX group in XXXX of 2009 six months after I purchase my home for {$50000.00}. XXXX group or Reverse Mortgage Solutions told me I could do a reverse mortgage for {$100000.00}. I have recently found out that they did a double mortgage on me for {$210000.00} back in XXXX of 2009. I ask Reverse Mortgage Solutions to send me over all documents related to this account in Fair Debt letter but they refused and file forclosure papers after I found out what they had done. Im a senior citizen and I think I may have been a victim of mortgage fraud my house was only worth {$50000.00} when I bought it and no house in my neighborhood as ever sold for {$210000.00}.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, I deposited a check into my account to avoid my account being closed. On XX/XX/2021, they told me that my account was closed, the check was not accepted, that I could go deposit it into another institution, in which I did on XX/XX/XXXX. 2021. My wife 's bank accepted the check, put a hold on the funds for XXXX to 5 days. On XX/XX/2021, my wife '' s bank made the funds available to us. On XX/XX/2021 the check was kicked back or returned in other words because Citibank did in fact accept the check. They then proceeded to put a block on my account, giving me no access to my money even though the check has been cleared, and the federal reserve has paid them. I have been told the check in being held because fraud, because the check has already been deposited into another bank, and or because my account was being closed. I have called multi times, i have called the bank who issued the check, saying the funds have been cleared for days. I have gone into the branch. I know that it is illegal to hold a check for more than 7 business days without cause. The check is not going to be returned because the funds have already cleared and my wife 's bank already returned the check for it being accepted into my bank. I have emails saying they accepted the check on XXXX XXXX 2021. Then on XXXX XXXX they said my account was closed, then on XX/XX/2021 they said they accepted the check and funds are available for immediate use. I have talked to two supervisors who said there is no reason for the account to have a hold on it. I had one who tried to remove the hold and was unsuccessful due to the security department not allowing it.
Consumer complaint received 2022-10-01
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. (TX)

XXXX removed XXXX  off my credit report I filed the same thing wit XXXX  and eqifax but they havent removed those negative nor fraudulent claims off of there they just keep updating the wrong information wit the right information and dragging my credit if the accounts are closed due to fraudulent why they wont remove them its not fair that Im a victim of fraud and identity theft and nobody cares Im trying to get this removed or help on how I done gave them police report number and all
Consumer complaint received 2022-11-11
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. (IL)

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These have violated my rights. 

15 U.S.C. 1681 section 602 A States that I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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 2015-08-24
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (IA)

Western Union claimed my friend would get the money in minutes. I did the entire process correctly and even called to verify everything and speed u the process. The lady on the line told me everything was set and the money was available for pick up. My friend waited hours then was told it was still on hold. I had tried to cancel my transaction XXXX just to be told my money would n't refund to me for 3-5 days even though it never even went anywhere to begin with! This was my first time ever using this service and my last!
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WA)

I never opened a XXXX account or received or used their equipment. I never had a contract with them. 

XXXX XXXX ( formerly XXXX ) fabricated a {$120.00} debt for allegedly failing to return a router. 

XXXX then initiated the collections action below, without ever calling me or writing to notify of the debt. 

I owe them nothing and this must be illegal. 



Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$120.00} Original Creditor ASTOUND BROADBAND POWERED BY Past Due {$120.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Consumer complaint received 2019-12-10
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: Rocket Mortgage, LLC (MT)

Quicken Loans has been harassing me about taking out a mortgage loan. I have told them no. Without my approval they pulled a credit report and actually created forms. I simply got an email telling me my paperwork was ready to sign.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

LoanCare LLC purchased my mortgage from XXXX XXXX  in early 2019. I make all of my mortgage payments within the grace-period allowed by law but this company is charging me a {$5.00} servicing fee anytime I make my payment on or after the XXXX of the month and if I should happen to make the payment after the XXXX of the month they will charge me an additional {$10.00}. They will waive these fees but only if I agree to let them withdraw funds on a predetermined date every month which I can not do as I can not gaurantee that funds will always be available on the exact same day every month. This was not the policy of the previous lender and this policy is not clearly spelled out in documentation by the company nor is adequate explanation provided as to why this fee is being assessed. This seems like an underhanded attempt to force consumers into a service they do not want and the practice should cease immediately.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (FL)

I purchased through Care Credit a prepaid service for XXXX. I was invited in to review my height and weight, the person handling the observation, had no medical background. She determined i was a " candidate '' for the XXXX procedure which required pressure sales tactics. I finally agreed after being coerced, into contacting Care Credit, after I had mentioned I did n't have the money. They called a direct line where I was instructed to give my information, and they increased my limit with minimal review, in less than a minute. At this point I was on the hook for this service as it was charged to my card in the amount of {$2000.00}. The office is run by a XXXX who then will offer to include XXXX evaluations to help with the XXXX. What I was sold were liquids that were run through a magic light and brought to " life. '' The real secret is n't given until you pay the {$2000.00} and then you are told to be on a strict XXXX calorie diet. At this point, I had already spent {$100.00} non-refundable for my initial exam and the {$2000.00} for my Care Credit Card. I believe this is a scam and fraudulent and Care Credit should be partially responsible along with the XXXX XXXX office in XXXX, FL.
Consumer complaint received 2022-11-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

I am blocked on line with rp Funding to make a payment. My chime bank does not give checks or online bill pay. I was approved for XXXX. A supervisor from rp FundinXXXX approved all fees to be waved while XXXX is making partial payments for me. I call to make payments I was told several times after calling 13 times to make {$110.00} payment they won't wave the fee of XXXX. I don't have XXXX and have no vehicle. I am a XXXX XXXX  and I am be I ng penalized because of it. They don't care that a supervisor XXXX XXXX has approved the over the payment fee be waived until XX/XX/2023 when I get off XXXX
Consumer complaint received 2021-11-15
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. (TN)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2019-12-10
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. (WI)

I RECENTLY REVIEW MY CREDIT PROFILE IN FOUND FRAUDULENT ACCOUNT THAT I HAD NO AWARNESS OF AND A PUBLIC RECORD CASE THAT TURN OUT TO BE CHILD SUPPORT AN WHICH I HAVE NO KIDS I WOULD LIKE YOU GUY TO REMOVE THESE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME THANKS
Consumer complaint received 2021-11-15
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. (FL)

I've submitted several disputes to the credit bureaus and to no avail have I received a response from the bureau 's XXXX, Equifax and neither XXXX. Please help!
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (GA)

took out a loan with Mariner Finance which they insisted on securing with a lien against our vehicle which at the time had been in an accident. The insurance company had previously declared the vehicles value was salvage {$350.00} which was told to the branch manager at the closing. I had XXXX XXXXXXXX in XX/XX/XXXX which didnt allow me to return to work for 12 weeks. I wasnt able to work many hours in the first month after returning to work and then I was laid off due to COVID. In XX/XX/XXXX I enrolled in a Debt Relief Program and submitted this account in the program. XXXX XXXX couldnt accept a secured debt, MARINEER FINANCE declined to remove the security. Subsequently the branch manager refused to accept the offer of the trade-in allowance as settlement of the debt. Every month since XX/XX/XXXX MARINEER FINANCE has reported the account a CHARGE OFF, PAST DUE to the credit bureau. Their actions are nothing more than retaliation and a deliberate violation of the Federal Fair Debt Collection Practices ACT.
Consumer complaint received 2022-11-11
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. (MT)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Below, is the account they should CORRECT on my file : XXXX XXXX