davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

I recently submitted a complaint. The company closed this complaint with failing to address the issue. Theyre response and is unacceptable when they are in violation of the HIPAA Law. Here is the company response Thank you for reaching out to our firm. We have reviewed your accounts. As stated in your complaint case no # : XXXX, Receivables Management Systems sent a letter back on XX/XX/2020 to show the balance in our office. Our firm has sent information to the original creditor requesting additional information. Our firm has not received that information as of date but once we have received, it will be mailed to the consumer to the address listed in this complaint. Please contact our firm directly should you need further assistance in resolving this matter.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (CA)

Hello, my name is XXXX. I am writing in regards to my personal information being used to open accounts with credit grantors without my knowledge or authorization. This is the second complaint I am filing because the first complaint claimed these fraudulent accounts where indeed not my accounts and they'll be removed, yet they haven't. I am now requesting for these accounts to get blocked and deleted off my report ASAP. I have spoken to all the companies involved and they've sent me letters stating these are not my account and they've also verified that these items are to identity theft. The following names are the accounts in which where opened using a fraudulent application which id like to block and delete. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} These are all the accounts opened fraudulently. I am also being neglected a block and delete from the credit reporting agencies even when all my documents are valid and meet the FCRA requirements for account deletions in regards to identity theft.
Consumer complaint received 2022-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

THIS IS ABOUT MY MORTGAGE WITH FAY SERVICING. MY MORTGAGE WAS UNFORUNTATELY SOLD TO THESE CROOKS AND I'M LOSING MY MIND TRYING TO SORT THIS SITUATION OUT. 

I pay my mortgage bills automatically from my bank every month. I also travel a great deal and am not home to read conventional " snail mail. '' It turns out that my mortgage was sold to a new provider ( frankly, this type of resale should be outlawed, but that's a separate matter ). Several months after this had occurred, I updated my automatic payment information with my bank to send payments to Fay Servicing. And I thought that was that. 

Months later, I started to receive ominous notices from Fay Servicing indicating that I haven't paid. I've been served a foreclosure warning from them which is ludicrous. It seemed that there was ONE month where my checks from my old provider hadn't been forwarded to XXXX and I have paid that ( and still need to sort out that payment with my old provider ). That said, the payments I HAVE BEEN SENDING TO FAY SERVICING have been CASHED and yet they insist they haven't received them. I've sent the copies of the cancelled bank checks MULTIPLE TIMES NOW - and they always act as if they haven't received this evidence ( either via email and fax ). 

I have noted that the account number on my bill seems to be different than the account number of my " notice of resale '' letter ( which I no longer have )- and I pointed out to XXXX that I think they've directed my missing payments to another account - and STILL THEY HAVE DONE NOTHING. 

I have ( had? ) a near-perfect credit score. I'm a reputable XXXX at a large company. I pay my bills and I always have. I own XXXX homes. I pay my credit card in full every month. I have been treated like the scum of the earth by Fay Servicing and I'm trying to find out how in the world I can get this resolved. 

Please help - the individuals with whom I've spoken at XXXX seem to have no customer skills and seem to indicate I'm the one scamming them. I've never been treated so poorly by any institution anywhere in the world.
Consumer complaint received 2021-07-06
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. (TX)

XXXX XXXX XXXX WAS PAID IN FULL IN THE AMOUNT OF {$24000.00} ACCT # XXXX DATE OPEN XX/XX/2014.
Consumer complaint received 2023-03-23
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. (NY)

my client XXXX XXXX has been the victim of fraudulent activity on their Robinhood account. Despite reporting the issue to Robinhood and requesting that the funds be returned, my client has not received any resolution to the matter. As a result, Robinhood is now in violation of applicable laws and regulations related to fraud prevention and consumer protection. 
The facts of the case are as follows : my client discovered several unauthorized transactions on their Robinhood account and immediately reported the issue to the company. My client requested that the funds be returned to their account and the matter be investigated. However, Robinhood has failed to take appropriate action in response to my clients request, leaving them with a financial loss.

In this case, Robinhood is in violation of several laws and regulations, including the Securities XXXX XXXX of XXXX and the Investment Advisers XXXX of XXXX. The Securities and Exchange Commission ( SEC ) has specific rules and regulations in place to protect investors from fraudulent activities, such as unauthorized transactions on brokerage accounts.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS IS NOT A DUPILCATE!!!! THIS IS RECENT UPDATING DAMAGE AND FRAUD BEING ADDED BY : Transunion and XXXX XXXX : TRANSUNION CONTINUES TO REPOST INCORRECT FRAUDULENT INQUIRES AND INFORMATION EVEN FRAUDULENT ADDRESSES THAT ARE NOT MINES AFTER SENDING IN IDENTITY THEFT REPORT AND POLICE REPORT : FCRA 605B AND STILL GET ENABLEMENT OF IDENTITY THEFT AND DAMAGING MY CHARACTER AND DEFAMATION.

I WISH/SEEK remedy for damages and VIOLATIONS MAKING IT IMPOSSIBLE FOR MY CREDIBILITY AND LIVELIHOOD. 
THESE ACCOUNTS ALONG WITH OTHERS ARE BEING REPORTED BY TRANSUNION AND VIOLATING ALL MY RIGHTS : ACCOUNT NAME : XXXX XXXXXXXX XXXX ALONG WITH ALL FRAUDULENT ON ALL REPORTING AGENCIES HARD INQUIRES TRANSUNION 6 HARD INQUIRES ALL FRAUDELENT XXXX HAS A FRAUDULENT ACCOUNT AS WELL.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Aperson 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. 
In Accordance with the Fair Credit Report Act, XXXX  XXXX # XXXX Has Violated My Rights. 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 6 04A Section 2 also states a Consumer Reporting Agency CAN NOT FUNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-09-22
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)

My name is XXXX XXXX. I am a real person and I am a natural person. I am a living human being and I have the rights under 15 USC 1681. Equifax, XXXX, and XXXX are governed by 15 USC 1681 and they are violating my rights numerous times. I demand the INQUIRIES listed below to be removed : EQUIFAX MORTGAGE XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/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 
All these inquiries are unknown and I have never authorized them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by the federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. According to 15 USC 1681 : I have the right to privacy and I did not give any authorization or written permission to furnish these accounts on my credit reports. In accordance with the Fair Credit Reporting Act, the inquiries attached are violating 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 XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. I am a real person and I am a natural person. I am a living human being and I have the rights under 15 USC 1681. XXXX, XXXX, and Transunion are governed by 15 USC 1681 and they are violating my rights numerous times. I demand the INQUIRIES listed below to be removed : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX - XXXX XX/XX/XXXX. 
All these inquiries are unknown and I have never authorized them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. According to 15 USC 1681 : I have the right to privacy and I did not give any authorization or written permission to furnish these accounts on my credit reports. In accordance with the Fair Credit Reporting Act, the inquiries attached are violating 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 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. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-02-05
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: Santander Consumer USA Holdings Inc. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Requested On : XX/XX/2019, XXXX XXXX XXXX  Requested On : XX/XX/2019, SANTANDER CONSUMER USA Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX there was a charge on my checking account for {$1500.00}. I immediately marked it as fraud with my bank because I did not make that charge. At the end of XXXX they sent me a letter stating that their investigation was now closed and the charge would be reversed and posted to my account on XX/XX/XXXX because their investigation concluded that it was a verified and accurate charge. This was incorrect so I called them the same day, spoke to a woman who said she would reopen the investigation. Yesterday was XX/XX/XXXX and my account was hit for the {$1500.00}. I called them today on XX/XX/XXXX and was told they have 45 business days to conclude their investigation ( again ). This has been ongoing since XX/XX/XXXX, no information of the investigation was given to me. They've also taken my money that I need for bills and feeding my family and we don't have 45 days to wait. 

I did my own investigation and found out the charge was for a XXXX XXXX XXXX XXXX table in downtown XXXX, Tx. I live in XXXX, AZ. I have proof that I used my debit card in XXXX  XXXX, Arizona a week before XXXX. I have picture proof that I was with my family at my house in XXXX, AZ on XXXX. I've never even heard of this club, the website it was charged ( have never used it ), and would absolutely NOT be in XXXX, Tx. 

I personally believe my debit card was skimmed at a bank owned ATM. I use my debit card for ATM withdrawals at the drive-thru bank, the last time it was used before the fraud charge was on 10/26.This is the only logical and possible way this occurred. It was absolutely NOT me that made this charge and I'm disturbed how this bank has taken my money with no due diligence of their own in their fraud investigation.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I requested that National Credit Systems , Inc validate a debt that they previously tried to collect on XX/XX/2021. 

I received a notice from National Credit Systems dated XX/XX/2021 stating that they did not have enough information to validate my claim. 

I asked for : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -Proof that the Statue of Limitations has not expired on this account -Your license numbers and Registered Agent or Agent of Service -Proof that you are licensed to collect in my state They sent me none of this information which means they have failed to validate a debt. None of the documents they sent have my signature. I will upload a copy of the forms they sent me.

Further more the signature on one of the documents seems to be forged as the signature date does not match the date of the original creditor dated signature. That means that National Credit Systems , Inc is
also furnishing certain deceptive forms, which is against the law according to Fair Debt Collection Practices Act 15 USC 1692k Sec 812 ( a ).
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX These are not my current addresses. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to my current address : XXXX XXXX XXXX XXXX XXXX, PA XXXX. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX : I filed a dispute about a charge on my credit with Capital One - credit card account number ending XXXX. This credit card was also closed by me following my complaint. 

XX/XX/XXXX to XX/XX/XXXX : Capital One, after several months and exchanges of information, advised me on XX/XX/XXXX, Capital. One Case XXXX, in a letter addressed to me, advised me they would be crediting my closed credit card in the amount of {$60.00}. 

They then advised me I would receive a check from them for {$60.00} within 60 days. 

To date, I have not received the credit to my account in the form of a check, as promised.
Consumer complaint received 2022-03-22
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. (GA)

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. 1692 XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ! 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.