davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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: BARCLAYS BANK DELAWARE (CA)

Contacted BARCLAYS BANK DELAWARE customer service to report that there was a hard inquiry made on my credit report, and that it was not made by me. I advised them that my personal information ( expired driver 's license, social security card, payroll stubs and multiple credit cards ) had been stolen and that the person that stole my information was likely trying to open up fraudulent accounts with their institution. Asked them not to open any accounts under my name, as it is a case of fraud and identity theft. Provided them my name and cell # if they needed to contact me.
Consumer complaint received 2018-02-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (FL)

My HELOC with Citibank XXXX is not being reported correctly. I filed for bankruptcy in XXXX and it was withdrawn. I refiled in XXXX and it was fully discharged on XX/XX/XXXX. I emailed all supporting paperwork to Citibank with my account number. I reaffirmed this loan both times at it was not part of the bankruptcy. I am current on this loan. 

Citi has old info and is reporting it as a bankruptcy with a derogatory on my XXXX Credit Report. They also stopped the auto deduct so they could stop giving me the quarter point discount for auto pay. They claim " that it does not matter to Citibank if you reaffirm or do not include your HELOC, if you file for bankruptcy, they will treat it as a bankruptcy on their loan. The inital HELOC agreement I signed does not give them the authority to do this unless I default, which I did not. I have been told that the bankruptcy department does not speak with ANYONE and they can only send messages to them.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (TX)

RECEIVABLES MANAGEMENT SYSTEMS was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. RECEIVABLES MANAGEMENT SYSTEMS was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX, VA XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus. RECEIVABLES MANAGEMENT SYSTEMS did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.
Consumer complaint received 2020-08-19
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. (AR)

Equifax created a hostile environment for me when I worked for XXXX XXXX XXXX in the year of XXXX, there was a workforce reduction for a week, went back to work for XXXX within a week Equifax affiliate produce a credit report for me that I was born in the year of XX/XX/XXXX.I brought this up to the XXXX XXXX XXXX corporate office in XXXX  New York . The only reason I am using XXXX XXXX XXXX is because of that where it all began after getting laid off for a week back in the year XXXX  in XXXX.Equifax is now asking me to send in my personal information which, I have done this at least twice through USPS : Tracking number XXXX XXXX XXXX XXXX XXXX XXXX-Sent XX/XX/XXXX, this contains several personal information in the packet : Information sent to Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX Georgia XXXX 1.Letter from Equifax 2.One Photo ID of Drivers License 3.Copy of International Paystub : Dated XX/XX/XXXX 4.Copy of my SSN The second Packet sent : Tracking number XXXX XXXX XXXX XXXX XXXX XXXX Contained the same information as the first packet sent to Equifax Information Services LLC sent on XX/XX/XXXX. Also in this packet, a utility statement was sent, now Equifax is asking me to send in this information again I will not send it in after sending it twice plus faxing the information as well. Looking at it closely the information that is uploaded you will see on the document attached the date of birth you all createdXX/XX/XXXX, where I worked -XXXX  -XXXX XXXX-XXXX XXXX and my SSN which is located on the paper document that is uploaded.I will continue to fight because you all created a hostile environment for me as well as many financial matters in providing for myself as well as my daughter 's.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NJ)

I have a smart access checking account with PNC BANK. There was fraud committed on my account. I noticed unauthorized charges on my account. I called and spoke with a PNC agent and we deactivated my debit card and a new one was issued. I received my new card XX/XX/ and activated it. Today XX/XX/ I find out that PNC BANK closed my smart access account. I did not authorized PNC to close my account. I was not even notified by PNC that they closed my account. I had a direct deposit that went through to my account XX/XX/. I went to check my account balance and found out the account was closed. I spoke with a PNC agent named XXXX ( XXXX ) and he was very rude and didn't offer me and insight as to why the account was closed. I cant help but feel PNC BANK is penalizing me for my account being compromised. Now the direct deposit I was expecting is in limbo and I have no money to be able to get through the week. PNC is costing me my job. I needed that money to get bank and forth to work as well as other necessities. PNC bank has cost me more than they will ever know!
Consumer complaint received 2021-08-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC (MI)

I referred several people to this company prior to my loan defaulting. On XX/XX/2021 one of the individuals that i referred to the company applied for a loan. This individual is not a relative of mines, however is residing in my home temporary. The gentleman sent me a text message while he was at work indicating the following " They turned me down because you already had a loan with them and its in collections ''.

This individual SHOULD NOT be privy to my personal information!!! This individual do not know anything about my personal finances and should not have been informed by this company. This is illegal. I am not married, he is not my husband and I did not give this company permission to discuss my debt with ANYONE. I am going to file a lawsuit. I am embarrassed by their actions and feel violated and judged.

Additionally, why deny a person who have no connections to me legally because of a debt they don't have anything to do with. Isn't this illegal too.

I also recorded the conversation when i called and informed the employee that i was recording the call.
Consumer complaint received 2023-07-28
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. (IL)

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX
Consumer complaint received 2018-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (AL)

MY NAME IS XXXX XXXX XX/XX/XXXX I PAID OFF LOAN # XXXX WITH XXXX XXXX. I OPENED IT UP XX/XX/XXXX. I HAVE PAID BI WEEKLY PAYMENTS OF XXXX WITH XXXX XXXX STARTING ON XX/XX/XXXX. WHEN PAYING LOAN OFF I OWED MORE THAN I BORROWED ALL MONEY WAS GOING TO UP FRONT INTEREST AND FEES. MY PAY OFF WAS XXXX. AND I WAS TOLD THAT THE LOAN CHARGED {$17.00} PER DAY FROM YOUR LAST PAYMENT TO YOUR NEW PAY DATE ( EXAMPLE XX/XX/XXXX TO XX/XX/XXXX ) I ONLY BORROWED XXXX AND PAID THEM {$2600.00} IN PAYMENTS AND STILL HAD TO PAY {$2300.00}. 
PLEASE HELP ME WITH THIS ISSUE AND UNFAIR CHARGES.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO. (MO)

I submitted my credit app to XXXX XXXX at XXXX XXXX and told him only submit it to FORD CREDIT ONLY FOR NO PERSONAL GUARANTEE BUSINESS LOAN. He took my app and fraudulently submitted me to tons of banks now preventing me from obtaining credit anywhere due to HIGH AMOUNT of inquires. This is anti trust and Ford is offering other companies with similar credit to my business loans. Under Missouri state law I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. I never gave permission to send application anywhere accept Ford. And ford forced me to go to dealer to submit commercial application. They are responsible. Auto Dealer Fraud. Buying a car can be a fun and exciting experience. ... Auto dealer financing fraud describes deceptive and unlawful practices used by automobile dealers. This type of fraud can occur at any stage of the vehicle purchase process, from advertising to negotiation of vehicle pricing and financing terms. Please see attachments for XXXX XXXX Whom ford never had permission to Submit credit to.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XX/XX/XXXXshould not be reporting to Equifax XX/XX/XXXX and XX/XX/XXXX that I am ( 30-60 ) days late on XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XX/XX/XXXX to update my current address which XXXX did not follow through with. I immediately contacted XX/XX/XXXX again when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XX/XX/XXXX When the requested correction to my credit report still hadnt been made, I contacted XX/XX/XXXX again and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XX/XX/XXXX to fix this however, I have not been successful.
Consumer complaint received 2018-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (CA)

AMCOL SYSTEMS INC- REPORTED A COLLECTION ON MY CREDIT FROM XXXX XXXX HOSPITAL TO WHOM I GAVE MY CARD NUMBER AND HAD THIS ACCOUNT PAID IN FULL BEFORE MOVING OUT OF STATE. YEAR LATER I COME TO FIND OUT THAT XXXX HOSPITAL NEVER PROCESSED THE PAYMENT I AUTHORISE THEM, NEVER CONTACTED ME PHONE OR MAILING ADDRESS AND NOW THEY SENT ME TO THIS VERY AGRESSIVE COLLECTION COMPANY THAT IS THREATENING TO ARREST ME IF I DIDN'T PAY THIS BILL ... .I WAS NOT AWARE OF THE PAST DUE BALANCE WITH THE XXXX WHO NEVER MAILED ME A BILL TO THE NEW ADDRESS I PROVIDED THEM ... PLEASE STOP THEM FROM HARASSING ME AT HOME, WORK AND NOW AT MY PARENTS HOUSE
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and with the balance of {$21000.00} as reported in my Equifax Credit Bureau. Lets correct this immediately. The Equifax Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (TX)

My current mortgage company " Mr. Cooper " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX.

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (VA)

There was an XXXX XXXX charge of {$24.00} on my XX/XX/XXXX XXXX XXXX credit card bill for account # XXXX that neither I nor XXXX could find support for. I disputed the charge as fraudulent. XXXX   never credited the {$24.00} charge. Moreover, XXXX added several months of {$27.00} late fees, bringing my total account balance to over {$100.00}, and then placed my account for collection with Citi-Bank. When I contacted Citi-Bank to explain my fraud dispute, Citi-Bank immediately stopped collection action. I phoned XXXX Credit Department numerous times and sent them at least two certified letters. XXXX later closed my account in XX/XX/XXXX, as I recall, but reported this as an Adverse Account to XXXX and a negative account to both XXXX  and XXXX I recently discovered that this is still on all three credit bureau reports. Today, a XXXX Credit Department representative acknowledged that XXXX documentation on my account shows there was a fraud problem. However, the representative said that as this is an old account, XXXX will need to do further research to resolve it. 

It appears that XXXX Credit Department personnel didnt think they needed to correct XXXX negative reports to the three credit bureaus regarding my XXXX charge account # XXXX because they had closed my account. However, this left a problem transaction on my credit record and lowered my credit score, even though the transaction was related to a fraud and was not my fault. As of XX/XX/XXXX, this problem has not been resolved.
Consumer complaint received 2020-06-29
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AL)

While helping a client with an unrelated mortgage issue with Rocketmortgage with one of their loan officers, I became aware of an affinity program Rocketmortgage has with my employer. Although I had just refinanced my home with my credit union for 15 years, the loan officer I spoke with said she could get me a lower rate for the same fifteen years at {$100.00} less per month, {$18000.00} less over the lifetime of the loan. So, I applied on XX/XX/XXXX. She set me up online and told me to watch my account and upload the documents requested on it. I immediately complied. We locked my rate until XX/XX/XXXX. I uploaded documents requested by Rocketmortgage starting XX/XX/XXXX through XX/XX/XXXX. I uploaded 31 documents in total including W2s, XXXX business and personal tax returns, business profit loss, etc. The loan officer waived a {$500.00} fee for me I assumed because of my high credit score or because of my relationship with my employer, an affinity partner. She said the loan should close relatively quickly even though Rocketmortgage was experiencing high loan volume. After some time had passed, I called her to see when the loan would be approved and the closing scheduled. She said soon and everything was on track. I called her on XX/XX/XXXX to inquire again because it was 12 days out from my loan lock date. She said she would ask her team to rush it and hold/extend my lock. I was called later that evening by a XXXX XXXX from Rocketmortgage. He said he needed a bank statement showing that I had received my tax refund for XXXX. I told him I had not received it and told the loan officer I would not receive it until mid to late XXXX. I had filed on paper and an IRS agent told me due to Covid 19, the paper returns would not even be worked to XX/XX/XXXX and expect the refund at the minimum 6 weeks after that. I told him I previously had told my loan officer that. He said he could not approve the loan without it and would not honor an extension of the lock. I would have to reapply after I had documentation of the refund. I asked to speak to a manager. I was then put in touch with another guy who told me on XX/XX/XXXX ( 18 days after I had applied ), a new rule came out saying everyone in my situation had to provide this documentation or their loan could not be approved. This was NEVER communicated to me until XX/XX/XXXX. It took them 34 days to let me know this. All the time I was speaking with my loan officer saying everything was on track, we would close on time, don't worry about anything. I continued to respond and submit documentation to Rocketmortgage through XX/XX/XXXX ( ten days after this rule was known ). My file had been suspended from processing because this documentation had not been turned in. Neither my loan officer nor Mr. XXXX told me about the requirement or suspension until XX/XX/XXXX. I think Rocketmortgage should approve my loan and honor the lock/interest rate set.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-26
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)

This collection account XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Consumer complaint received 2018-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NJ)

XXXX sells wrist watches online.It advertises on TV nationwide.XXXX XXXX owns XXXX.Some time in XX/XX/2017 and a few times thereafter, I purchased cheap wrist watches from XXXX for approximately {$200.00} ( XXXX XXXX dollars ) on an installment basis with no interest. I authorized XXXX to draw money from my checking account as the installment payment falls due. After a few weeks I noticed that XXXX was not applying the money it was collecting from my bank account. I called XXXX about it and I even faxed three times copies of my bank statement showing the money it collected.I also sent a certified mail with return receipt to XXXX XXXX with the copies of my said bank statement. They just ignored or disregarded my faxed messages and letter. They kept calling and emailing me. They also referred me to a collection agency who threatened to have judgment against me. Without coordinating their collection, efforts, XXXX and XXXX XXXX kept sending separate bills with late fees, high interest and different amounts without including the amounts collected from my checking account. XXXX XXXX   reported to the three credit bureaus that my account is delinquent. I filed a complaint with BBB and BBB said they have not responded.