davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (AL)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2021-02-08
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: Westlake Services, LLC (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXXXXXX XXXX  add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-11-15
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. (ID)

I send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-02-18
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: Credit Plus Inc (MI)

Hard Inquiries are reporting on my credit report that I did not authorize. 

On XX/XX/2017, I provided authorization to Credit Plus to pule my credit report ONE ( 1 ) time. 

However, it seems Credit Plus went ahead without further authorization to pull my credit from XXXX, XXXX and XXXX on the following dates : XXXX : XX/XX/2017 or ( XX/XX/2017 ) or ( XX/XX/2017 XXXX & XX/XX/2017 or ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

I am not sure why each credit bureau shows a different date but either way, Credit Plus did not have my authorization.
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (PA)

After review of my credit reports, I have found numerous inquiries that I did not authorize. Therefore, I have filed a POLICE REPORT. & A report with Identity Theft.com. These inquiries should be removed from my credit report ( s ). 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

I am currently transitioning out of an abusive relationship so I have stayed in a couple hotels. 
The hotels I stayed placed an incidental hold on my card at the time of check in and released the hold at the time of check out. 
These are the only funds I have at this time due to my situation and XXXX is making it impossible for me to access the funds until over a month from the date of the hold. When I originally called they stated that all I would need is a Merchant Release Letter from the Hotels, which I was able to coordinate and the document was sent to the email address XXXX  provided to have funds released. Since this has happened I have had no luck accessing my funds, everytime I call they ask me the same questions what email it was sent from and the date and time they continue to tell me they have not recieved it and to call back in 24 to 48 hours. I have had the hotels resend the documents and I still have no success. No one at XXXX  can give me any more information. 
The 1st transaction was on XX/XX/2018 and they say it won't be released until XX/XX/2018 even though the hotel has sent the MRL. 
The second transaction was on XX/XX/2018 and they say it won't be avaiable until XX/XX/2018 even though the hotel has sent the MRL. 
I have explained my situation so many times to the representatives and their supervisors and I am getting nowhere. I am very fruatrated as I don't have any othet form of funds right now.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

My loan was transferred to LoanCare. I received a notification from them that the loan was transferred. I have been trying to contact them for over 4 weeks now. My account was supposed to be transferred in XXXX. My upcoming payment was XX/XX/XXXX. My account has not been transferred and its XX/XX/XXXX. I have been consistently calling the LoanCare company and have had zero responses. First the transfer date for the account was XX/XX/XXXX, then it became XX/XX/XXXX, then XX/XX/XXXX and then XX/XX/XXXX. And now I am being told that I am going to get a late fee. The automated messaging and the time to reach a customer service is closer to 20 mins - 30 mins. 
This is insane! I have zero answers so far as to when I will be able to create an account and pay my mortgage.
Consumer complaint received 2018-11-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed this account with all three credit bureaus, and none of them have sent me the documents that they received on the collection company owning this account or any documents so I'm able to verify the account is mine. When I call over the phone they say it's verify. The company is XXXX XXXX XXXX XXXX in the amount of XXXX opened XX/XX/2016 and it's in collection. According to section 609 in FCRA they have to show me some type of documents showing the account is mine or Delete account.
Consumer complaint received 2019-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Today, XX/XX/2019 I used XXXX to buy XXXX XXXX tickets from a guy XXXX XXXX with email XXXX. As soon as I sent the money the phone call was disconnected. The phone number he was using was XXXX XXXX. I immediately called the fraud department at Wells Fargo ( my bank and his ) and they said sorry we cant do anything for you because XXXX  is a gift even though it was going from one Wells Fargo account to another. What good is it having a bank that doesn't back your transactions up? I felt safe with XXXX  only to find out there is no help with fraud! I don't make much money to begin with, and now I will have to work 3 days for free to make up the money stolen from me. I am just sick that there is no help from these banks. Someone please help. They make you jump through all these hoops and offer no help.
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (VA)

Synchrony bank is saying I still owe them for a PayPal credit card. They made a settlement with the debt consolidation XXXX XXXX XXXX. The check was mailed to them in XX/XX/2020. They are still saying I owe them and reporting it on my credit report as unpaid.
Consumer complaint received 2022-08-22
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: Absolute Resolutions Corp. (VA)

In XXXX of 2021 I submitted my initial complaint against Absolute Resolutions. It is as follows : On XX/XX/XXXX of 2021 I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to Absolute Resolutions that same day. On XX/XX/XXXX of 2021 I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. On XX/XX/XXXX of 2021 I sent a following up request into this matter directly to Absolute Resolutions. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. I am requesting for this account to be removed from all 3 of my credit profiles immediately. 

The response I received was that this company didn't believe they violated my consumer rights and they continued to report the account as collection account with missed payments. Following that response I paid the account in full with agreement from the company that is would be removed from my credit reports. Since then it has been removed from my XXXX reports but not from my XXXX and XXXX reports. This account is continuing to report as if I am missing payments each month which in fact is not true as this account is paid and should've been removed. My validation letters to the company have been ignored for the last 6 months.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (AZ)

Quicken Loans, INC has reported via XXXX  an erroneous late 30 days in XXXX XXXX and a late 90 days in XX/XX/XXXX. All payments were made on time until the sale of the home shortly thereafter. Current information is inaccurate and harming my ability to purchase a new home 6+ years later.
Consumer complaint received 2023-03-10
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. (PA)

XXXX sent me the findings of their investigation which states the company verified the bankruptcy. XXXX has stated numerous times the information came from XXXX XXXX. On XX/XX/2023 XXXX XXXX sent a letter that they are unable to verify the information. How did XXXX verify this information? The bankruptcy court nor I verified this information. 

XXXX continues to be in violation of : Defamation of Character ( per se ) 1. Negligent Enablement of Identity Fraud 2. Fair Debt Collections Practices Act 15 USC 1692g violations 3. Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2018-10-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C. (IL)

I got an email from my payroll dept regarding a wage garnishment. The company Biltt and Gaines, P.C.  located at XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX fax : XXXX. Case No XXXX XXXX   XXXX for debt collection and wage garnishment of {$8000.00} from credit acceptance from XXXX. I have never owned a car until XXXX nor did I have a Drivers license at the time. 

I do not know how this was possible but I have a suspicion it was my ex-boyfriend who is currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the girl he was cheating on me with are the ones responsible for this. I am going to file a police report but this company is trying to garnish my wages. help.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (PA)

The past two weeks Ive had a rather simple issue with the stock trading app Robinhood that I can not get resolved through them. O XX/XX/XXXX I was abruptly logged out of my Robinhood app. Since I have been using the XXXX XXXX  recognition way of logging on, I had forgotten what my password is. Naturally I followed their instructions on the forgot password option where it asked for an email to send instructions to. I have tried that link now upwards of 30 times, even trying different email addresses and checking the spam folders and yet have not received any email to help me reset my password. I took it a step further to try and directly reach out to Robinhoods customer service. So I filled out a case ticket and waited for their response which came four days later and happens to be the last contact that Ive been able to make with them. They instructed me to respond with my email and phone number as well as upload the front and back of my ID to their secured platform. All three of which I had done within an hour of receiving that email. I have yet to be contacted or helped in any way whatsoever after that email. I have anywhere from $ XXXX {$6000.00} XXXX XXXX invested through Robinhood and I can not access any of it simply because Robinhood is not responding or even acknowledging me at this point and I have no other option but to reach out to you. If you could let me know what I need to do to access my money/account, or at least point me in the right direction of which could, it would be greatly appreciated, thank you.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc. (NY)

Hello, I would like to appeal this denial. I did NOT authorize these 2 ATM withdrawals. 

- {$160.00} - {$160.00} After landing in XXXX I did use this card once for an ATM withdrawal of {$350.00} - I received the cash and walked away. Unlike American ATM 's which makes you take your card and then output the cash ( what I am used to ) this ATM keeps your card and allows multiple withdrawals without requiring to re-enter your pin again afterwards. 

Secondly I did NOT authorize these 2 purchases. 

XXXX XXXX XXXX Debit Card - {$230.00} XXXX XXXX XXXX Debit Card - {$240.00} After realizing I left my card within 5 mins, these two big purchases were made on my card. And from the looks of it hundreds of miles away. I froze the card immediately and I called right away and was told I had to allow the transactions to process and now am being denied my funds back. Both of these charges are abnormal and out of character for me and to reiterate, I did not authorize them. 

This seems very unfair that SoFi does not help their customers in any way in this matter and just sends an automated response with no information as to why my hard earned money is stolen and nothing being done about it. 

Please let me know what actions I can take to move forward on retrieving this funds back. 

Thank you!
Consumer complaint received 2021-05-22
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. (FL)

I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.
Consumer complaint received 2018-02-18
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. (NV)

Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues
Consumer complaint received 2018-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (FL)

Creditor Information WELLS FARGO EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XX/XX/2007 {$10000.00} My loan was supposed to be transferred and refinanced with another company. The name of the lender and the lenders have changed several times over the years. I believe I am being double billed. When I contact Wells Fargo they will only tell me they are researching things. They continue to report several different balances and opening dates on my credit report and now they are reporting a charge off. I only had one account with them. Now I suddenly have 3 accounts.
Consumer complaint received 2018-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (NV)

In 2017 I cancelled my cable subscription with XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items I requested they went on and sold this " account '' to RGS Financial ( acct # XXXX ) whom posted this collection account on my credit report.I am once again asking for : '' Debt Validation '' of this account from XXXX XXXX.
Consumer complaint received 2022-04-24
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: 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 : Acct. # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXX, XXXX : Acct # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX, XXXX : Acct # XXXX, all 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 an account without my written instructions 15 U.S.C 1681c.

( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-26
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. (CA)

On XX/XX/2021I sent a letter regarding incomplete and inaccurate information on my credit report. Reporting a public record which is a violation of 15 USC 1681 ( 4 ) on my credit report which states. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilties with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of my privacy as I did not grant them permission to place this item on my credit report and I insist that it be removed, for it is doing severe damage to credit and requested their method of verification. The credit bureau did not go beyond the original source and responded with an electronic response. third party response of information from the data furnisher only to " verify '' the accuracy of this disputed items. I requested the actual court document and other information that I did not receive. I feel like I am being taken advantage of and my FCRA rights are being disregarded and I am not having it. Section ( a ) it plainly I demand this account be deleted immediately or I will file litigation due to stress they caused me and for the violation which is {$1000.00} per each violation, try me.