davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP (NY)

In early XXXX, I received a summons from the company Selip & Stylianou ( on behalf of XXXX XXXX  ) for an amount owed of over {$12000.00} for a credit card opened in XX/XX/XXXX. I called XXXX to dispute the matter and was told that since they have a third party handling my account, I would have to go through them ( Selip & Stylianou ). I have since filed a dispute of the charges and filed a victim fraud claim with Selip & Stylianou, and as of this time awaiting to hear their investigation result. I have also filed a dispute of credit card report to XXXX and on XX/XX/XXXX received a letter stating a complete investigation which verified the accuracy of the credit score, upon which I called XXXX and was advised to file further disputes through FTC. 

I contend that I am a victim of fraud and I did not open this credit card account with XXXX. I was unaware of any activity associated with the XXXXXXXX XXXX in question and I was not sent any credit statements or late payment warnings.
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (AZ)

The accounts/inquiries listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts or inquiries to be taken out, nor do they relate from any transaction by me. 

I have never opened an account with TrueAccord.

TrueAccord is unable to provide any contract between myself and their company.

TrueAccord is knowingly and willingly committing Aggravated Identity Theft to collect on an alleged debt and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). This information is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. 

If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Since TrueAccord is a debt collection agency, I demand you provide me with the details of you purchasing this debt and assigning it to me.

I do not accept TrueAccords offer to contract with me and assign this debt to me.

Furthermore, I demand that you cease all communication with me with regards to this debt, pursuant to 15 usc 1692.

If you continue to contact me with regards to this alleged debt, or keep any record of me with your company, you will be breaking federal law. 

In which case, I will pursue litigation against your company to the fullest extent of the law. 

Kindly govern yourself accordingly.
Consumer complaint received 2022-12-03
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: HCFS Healthcare Financial Services of TeamHealth (TX)

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead XXXX XXXX XXXX sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

This transaction happened in the year I opened my account through my accountant at Chase Bank on XXXX in XXXX after I had been working there in XXXX as a teller and banker. I transferred my XXXX from the XXXX in XXXX XXXX XXXXXXXX that I used to work at in college as well as some other XXXX and career and business earnings. The total was XXXX XXXX that I invested in my account. 
I was approached by a home developer who wanted me to invest in his housing and buy a neighborhood he had just built. I told him I would consider his business deal. So, I told the bank president I would like to complete this transaction with the builder. He was supposed to meet me at the bank but never showed up to finalize The president told me she would draft a contract or bill of sale for the neighborhood development which has the building company business name on it for a loan against my account from the bank entitling him to sign the completed contract and accept the money in my account. 
My ex husband and father of my XXXX children is currently working as a manager at the bank since I left, and he had the name on my account changed to the name of the builder. So I can not access my account, nor receive money nor make transfers and I believe this is an error because i was told that this was not going to happen as part of the loan process through the bank and its presidents office and I feel i am being violated as a customer by how and when I can spend my money. My checks are not being accepted anywhere and XXXX cant pay my property taxes or support myself. I am barely surviving.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These accounts have led to the deterioration of my credit score and have directly resulted in my current living situation in a shelter. The following collection accounts, which do not belong to me and were not authorized by me, have severely affected my financial well-being : 1. Account Name : XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$78.00} Date Opened : XX/XX/XXXX 4.Account name : XXXX XXXX Account # XXXX Balance : {$8800.00} Date open:XXXX 5.XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Date open : XX/XX/XXXX Balance : {$380.00} The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter.

I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA.

I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation.

Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

My fiance lives in XXXX XXXX, XXXX and they are recovering from the recent typhoon. They are still having lots of rain, strong wind and no electricity for 8 days already. I have been using Moneygram to transfer funds to help she and her XXXX XXXX XXXX child. I was in the XXXX in XXXX of this year and returned to the United States on the XXXX of XXXX. Since then, I have transferred money using Moneygram around 17 times. The most recent transfer was XX/XX/2023, in the amount of {$130.00}. I am law abiding citizen, all of my transfers have been from my bank account, no credit card involved. On XX/XX/XXXX, I attempted to transfer {$200.00} to my Fiance and I was denied without a legitimate reason. I spoke on the telephone to a representative who called himself XXXX  He said that they were uncomfortable with the transaction. I believe MoneyGram is engaged in unfair business practices. Thank you for your attention to this matter.

MoneyGram CASE # XXXX According to XXXX, Representative.
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

I bank with Wells Fargo. I am XXXX  year law abiding citizen. In XXXX, I was coarsed by fraudster to wire XXXX USD to a bank account in XXXX. I had to withdraw this money from my IRA. When money reached the beneficiary account, XXXX froze the account due to beneficiary suspected money laundry scheme ( information came from my bank ), which I was not aware of. Once I learnt about this, I requested for a wire recall that XXXX refused to return my money even after several requests. Later another case was filed by me for fraudulent wire tranfer but XXXX again didn't provide any reason to my bank as what happened to my money? My bank refused to intervene and failed to get me more information about where my money is? Is it with the scammers or with XXXX or with government agency? My bank doesn't want to solve my problem. I need to know where is my money as I badly need my IRA money back. I need help from CFPB to hold Wells Fargo responsible for loss of my fund. Please help!
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-01-21
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. (PA)

What is wrong with all of you? 

When XXXX thing is corrected on my XXXX account more false information is submitted by XXXX. 

There seems to be no credibility in the XXXX XXXX XXXX  reporting. 

XXXX is corrupt. 

How many times do I have to continue to report XXXX 's false information reporting to the XXXX Credit Bureaus? 

The student loan payments are current! XXXX has the correct information. Stop reporting the payment status on any month of any year is unknown. That is a XXXX lie. 

Stop reporting false information on my credit report and make XXXX report the truth! 

XXXX know the truth! 

See attached
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IN)

I have an Amazon credit card which is serviced by Chase Bank. While I have my debit card set as my default payment for all purchases, the payment method for some of the recurring payment subscription services, including the Amazon annual payment ( {$130.00} set to come out XX/XX/2023 ), XXXX XXXX ( {$5.00} monthly XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX {$2.00} monthly, XX/XX/XXXX and XX/XX/XXXX ), and XXXX ( {$10.00} monthly, XX/XX/XXXX and XX/XX/XXXX ), were changed from my debit card to my Amazon Credit Card. There are no conspicuous disclosures on the site which notified me that the default payment method for subscription services would change from my debit card to my credit card. I was not expecting any charges on the Amazon credit card, and have incurred some late fees ( my fault- I should have checked my statements ). I'm more concerned about how the subscription payment method was changed without me noticing. I changed the subscription payment methods back to debit for the Amazon annual fee today, but several of the subscriptions were already showing that the debit card was set up as the payment method even though the credit card was charged.
Consumer complaint received 2022-12-03
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: R & B Corporation of Virginia (VA)

I have disputed this account multiple times as it is a collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such with me and the actual collection agency ; The debt was sold but I never agreed to such. Please remove from my credit file immediately as this is affecting my livelihood.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-11-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (CA)

Beginning in XX/XX/2023, the company changed its terms of service agreement to force all clients to submit to a third-party application for verification. Demanding submission of facial biometrics in the form of a live selfie pictures. As well as numerous request to have both your drivers license or passport identification to gain access to the account. The company then used this new terms of service, that I did not agree to, to lock me out of my account. Demanding that I must set up an account with a third-party company in order to gain access to any of my financial records. Since then, I have sent daily emails to the listed email addressed, requesting a supervisor to contact me or to be given a phone number or address to the brokerage so that I can submit financial paperwork to change my portfolio to a different brokerage. Nothing has been sent to me. Continue to get the same generic copy and pasted response telling me to login and submit to the third-party application A selfie photo and numerous copies of my identification. 

And then referring me to the company website to login before I can get information on who to contact for assistance. Of course I am locked out and I can not request any assistance. 

I have asked who the registered agent is so that I can submit lawsuit paperwork as there is nothing listed on the website. 

I have asked daily since XXXX for a supervisor or anybody to contact me to help resolve this issue. Not a single response was given as to how to rectify this issue, other than submit to the third-party applications term of service. 

I do not trust Robinhood or the third-party application with my personal data. I would like to close my account and move my portfolio to another brokerage. This includes the money I have deposited with them. They have made it absolutely impossible to talk to a live agent. They failed to disclose an address to send paperwork to. 

I do not appreciate the sudden change in terms of service without proper notification. Because of their demands, I have lost money. I desire prosecution on this matter.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (NY)

Shellpoint Mortgage Servicing CHANGED information previously reported as accurate, on my Credit report more than a year after the account was closed I believe this was done maliciously in coordination with XXXX XXXX to cover up sloppy bookeeping. Dates of payments received were changed XX/XX/XXXX AFTER I disputed information from my Credit report that showed XX/XX/XXXX payment was paid & verified as ACCURATE by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. My rights under FCRA are being violated. The information provided in my credit reports ( XXXX XXXX XXXX ) are unfair, inaccurate, incomplete & totally unverifiable!
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

The only XXXX negative reports on my credit are from XXXX XXXX XXXX XXXX and USAA both were credit cards and were over limits. The years the card was supposedly in my possession XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (OH)

Fayservising llc had bought my mortgage and failed to notify me that they were not going to accept my auto payments any longer I did not find out until I was already about 4 months behind then they changed the name of the company and so much more non professional practices and at one point refused to take payments from me and then told me I had to mail all the payments in at once and could not take anything other than everything that was behind no partial payment and I had to mail it to them after only paying my bill over the phone for years prior and now they charging me all different kinds of things I believe is just so they can foreclose on me I have only been late a few times over the life of the mortgage and now I don't know what to do