davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
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. (CA)

In 2017, I began a 3 year lease and set up an automatic payment with XXXX XXXX with my checking account. For the 3 year period, I made payments as planned. The last few payments I made were not accepted by XXXX XXXX. They claimed that a tax change to the lease changed the payment amount so they could not accept payment. When they began calling from unknown numbers, I was traveling and did not pay attention to this until a few weeks later. 
XXXX XXXX refused to accept payment and reported to the credit bureaus that I was missing payments. This should not affect my credit score and I asked XXXX XXXX to rectify the error. Even though the remaining lease amount was paid in full before the end of the lease, they refuse to even make an attempt to change my record. 
I've disputed the issue with the credit bureaus and most I've heard back is that XXXX XXXX told them that the erroneously reported late payments are correct. 
I never missed the lease payments and was making them on time. XXXX XXXX is at fault ( if anybody ) for refusing to accept my payment, but they took it a step further by putting a negative mark on my credit report. I should not have bad credit for missing phone calls. 
Attached is a statement from the beginning of the lease showing an auto payment deduction from my checking account.
Consumer complaint received 2023-01-05
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LoanCare, LLC (MI)

In 2018 I experienced XXXX issues and went on forbearance. LOANCARE is showing negative on my credit report and not showing it was covered in forbearance. I am currently up to date and I want the negative reporting removed from my credit. I am also XXXX and have hardship as well.
Consumer complaint received 2019-03-27
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. (MI)

On XX/XX/2019 Equifax received my certified letter requesting the method used to verify and validate accounts and collections on my credit report. Equifax had 15 days to get this information to me or remove the unverified and unvalidated collections from my report. It is now day 17 and I have not received anything from Equifax and the unverified creditors and unvalidated collections are still reporting on my credit report.
Consumer complaint received 2021-05-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AL)

In 2017 my wife of 25 years XXXX XXXX XXXX XXXX and I, XXXX XXXX XXXX, looked at a townhouse in XXXX, Alabama with XXXX XXXX, a Realty South real estate agent in XXXX, Alabama with XXXX XXXX, a Quicken Loans mortgage originator in XXXX, Michigan starting a mortgage application for us. 
Unfortunately after we began the application process, my wife of 25 years XXXX XXXX XXXX XXXX threatened me with a divorce. 
Unfortunately we could not close on either property, the first townhouse in XXXX, Alabama in XX/XX/2017 XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) or the second townhouse in XXXX, Alabama XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Quicken Loans ) in XX/XX/2017, because my wife of 25 years XXXX XXXX XXXX XXXX threatened me with a divorce. 
We have been renting an apartment at The XXXX XXXX in XXXX, Alabama since. I have not received my personal financial paperwork back from XXXX XXXX since not closing on either property because I thought we were divorcing.
Consumer complaint received 2021-05-29
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2022-09-24
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MS)

Back in XX/XX/XXXX, My sister stole my XXXX federal income tax check in the amount of {$4700.00} and she then got a bank account in my name thru Citibank. I was made aware of the account and I immediately called Citibank to report the fraudulent account and to let them know that my check had been stolen and that I did not open the account. I was told by the customer service rep to call the Federal Trade Commission which I did and I also filed a police report with the XXXX XXXX Police Department And i also reported identity theft to all 3 credit bureaus. I was told by the XXXX from Citibank that someone would call me in 3 business days. I never heard anything back from Citibank until a letter came in the mail dated XXXX XXXX that Citibank fraud department had honored my identity theft claim and after there investigation they found that I had no knowledge of the account. Since then Ive called over 100 times only to be told someone will call me back which nobody ever does. I recently drove from my home in XXXX to XXXXXXXX XXXX in hopes of talking to someone in person that could possibly help me with getting my check back and sadly I talked with 2 different people that like all the others I spoke with could not help me. I recently filed a complaint to the Federal Reserve who emailed me back saying they reviewed my case and sent it to the financial consumer department.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account for unknown reasons on XX/XX/XXXX. I spoke with a rep who told me that I would receive funds within 10 days of the account being closed. On XX/XX/XXXX I went to a branch to speak with a banker who called and got a higher up on the phone. Who pretty much said the same and that I could call back on the XXXX to receive a tracking number for the check. I called on the XXXX and they said my account still hasnt been released and I kept asking to speak to someone else and got hung up on 3 times. They arent giving me any answers as to why they have not funds and said they dont have to tell me. Its been a whole month and I havent had access to my money and my other funds are running low.
Consumer complaint received 2022-09-24
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. (IL)

I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for XXXX XXXX and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


XXXX XXXX
Consumer complaint received 2022-09-24
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: SANTANDER HOLDINGS USA, INC. (IL)

I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for XXXX XXXX and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


XXXX XXXX
Consumer complaint received 2022-07-29
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)

My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (IL)

Called americollect about them validating a account. lady stated that i would reviece a letter from them with then 3 days and nothing as come. then almost 3 weeks later a bill comes in the mail from them for the account they are trying to collect on but not meeting my request to show proof of contract or signitures from the orginal papers was never sent. i have dispused this on my reports and nothing else has come of that minus it says it may be validated not that it is. then why cant the company send proof or this needs to be removed from my reports as paid off or false debt. if they can no provide the reports i am asking withthin the time frames but they sure can send a bill out. also would like to see if they did purchase said debt what that was.
Consumer complaint received 2021-05-28
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: MoneyLion Inc. (CA)

On XXXX XXXX I was alerted that a new account appeared on my credit report for moneylion for the amount of XXXX which I did not open or requested I spoke with moneylion onXX/XX/XXXX because I had already dealt with this in the past when I noticed a hard inquiry being made supposedly they found the account closed it and flagged it in XXXX of this year.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-24
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. (NJ)

The following are hard inquiries on my credit reports. I don't recognize or recall authorizing these inquiries. 

XXXX : - XXXXXXXX XXXX  XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion : - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-28
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)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (NE)

I began receiving phone calls from a one XXXX number that claims to be PayPal. They state that I have a negative balance on XXXX, however I never authorized for any transfers to be made to my bank. I opened your dispute and ask them for help, they stated that guy in fact may have been the victim of fraud, however they will not stop calling me to the tune of 10 to 15 times a day
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP (AZ)

I was a customer of First Midwest Bank which was taken over by Old National Bank effective XX/XX/2022. Since the takeover I have not had proper access to my funds. Old National Bank shut off First Midwest debit cards on XX/XX/2022, shutting off my direct access to my funds. I have not received a debit card from the Old National Bank despite ordering a card on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. According to several customer service representatives, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX there were debit cards ordered all sent to the wrong address ( two different wrong addresses ), even though they repeatedly tell me they have my correct address on file.

I have been unable to get ahold of anyone who has the access or the power to get me a debit card or access to my funds. I have requested to have my funds wired out of the bank so I can get access to pay bill etc. I was told by customer care the only way I can wire funds is to personally come into a branch location which I am unable to do as I currently reside in the state of Arizona and there is not a physical location of this new bank within a thousand miles. 

Note, when I call the bank each time all of the numbers are routed to a customer service representative results in hour upon hour of being on hold. 

It is not legal for the bank to seize my funds, cutting off access to me without a court order. Is there anything anyone can do to help me get access to my funds short of getting on a plane ( without access to funds to pay for the ticket ), and going in person to get access to my funds.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payments made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and were subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aargon Agency, Inc. (CA)

AARGON COLLECTION AGENCY INC - XXXX XXXX, NV XXXX contacted a personal friend asking many questions about me also mention about my debit as well to that person. They contact me after and started to treat me over the phone I polity asked them to stop but the calls still going on. I have a friend 's statement upon request. Please the account is too old to be in my credit report and they still file a collection.
Consumer complaint received 2022-09-24
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. (NC)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX bal XXXX acc number XXXXXXXX XXXX  bal XXXX acc number XXXX XXXX bal XXXX acc number XXXXHas violated my rights. 15 U.S.C 1681 section 602A states I have a right to privacy. 15 U.S.C 1681 section 604A section 2.It also states consumer reporting agency can not furnish a account without my written instructions ... my ss number is XXXX XXXX XXXX.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I was sent an email XXXX and they had a ton of accredited attachments below like ( XXXX  ) they had even sent me documents for this loan which is 2000 $ I talked to them on the phone XXXX ( XXXX ) XXXX everything was fine till I signed it sent them my information and etc. They now wont answer my email or calls and they texted me I told them I needed confirmation on this being a real loan company they said to contact my lawyer.
Consumer complaint received 2020-03-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (CA)

This is my complaint. Thank you for your help. 
Westlake Financial Services, XXXX XXXX, CA Re : XXXX XXXX XXXX loan Acct : XXXX I purchased a vehicle XX/XX/XXXX from XXXX, XXXX and they secured financing for me through Westlake Financial Services in XXXX XXXX, CA. I paid off this vehicle in 6 months on XX/XX/XXXX ( see attached statement ). I called W.F. on XX/XX/XXXX to inquire about the status of the payoff and my car title. I was told the title was processed and sent to the creditor, XXXX XXXX XXXX. I have no idea who XXXX is, or why Westlake would send them my title!! She then asked me if I still have the car, where is the car, did I payoff the car myself? ... all crazy questions. Yes, I have my car. I kept asking who is XXXX, and why did you send my title there? She said to call back on Monday, XX/XX/XXXX and speak to the Title Dept. 

I called back on Monday and spoke with XXXX in the Title Dept. She needed to research but would call me back. She called back and left a voicemail but no details, andno phone number to contact her directly. I spent the next 2 hours trying to call and get her on the line but kept getting disconnected and/or rerouted. I demanded to speak with a manager and was connected to " XXXX. '' He also looked up my account and said he needed to forward the matter to the Title Dept and instructed me to call back in 2 days. I asked why someone can't call me back instead, and he said they just needed me to call back. Now with the Coronavirus around, I'll be on hold for hours and don't have time to waste with these incompetent people. My title is missing and I want it corrected and issued ASAP. Thank you again for your help!
Consumer complaint received 2022-03-27
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)

On XX/XX/2022 I received a response from XXXX XXXX regarding a fraudulent account being opened under my social security number & they removed the account but I received an alert almost 3 months later Equifax decided to add it onto my credit file. I want this removed ASAP along with the 7 hard inquiries listed because I was a victim of identity theft & have already proven this to the company
Consumer complaint received 2022-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (FL)

I received a phone call from this company, Unifin , Inc. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1600.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me.