davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
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. (AZ)

This letter is to inform Experian that you are reporting a fraudulent account that arose from Identity theft. It had been previosly deleted and came back to my report. I never applied for this credit card and did not recieve any good or services from XXXX. In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-29
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: CAINE & WEINER COMPANY, INC. (GA)

I, XXXX XXXX, as a consumer, living man and XXXX of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. 
Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. 
Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. 
Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, CAINE & WEINER COMPANY INC does not have my written instruction to furnish any alleged debt on my consumer reports, especially XXXX that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( Progressive ). CAINE & WEINER COMPANY INC must adhere to a consumer 's right to privacy. 
With the aforementioned violations and the FDCPA violations listed on the attached markup presentment dated XX/XX/XXXX. 

Account Name : CAINE & WEINER COMPANY INC, Account Number : xxxxxx XXXX has violated my rights multiple times and for years now. 

Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. 

Executed this day XX/XX/XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2021-08-06
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: JPMORGAN CHASE & CO. ()

This incident began on XX/XX/2021. We received a phone call asking about a fraudulent charge on our credit card. We replied that it wasn't our purchase and they connected us with 'fraud '. Well, we were scammed! I explained when I called Chase that we were scammed out of our passwords as well as asked to give the 3 digit number on the back of our card. We were told by the scammers they needed these in order to make sure they were cancelling the right credit card because we have two accounts. Later they told us they would send us our new cards. Soon after I checked our credit card to make sure it had been cancelled and the fraudulent charge gone and saw that a charge to a travel company for {$3700.00} had been charged to the card. I immediately called Chase and told them about the scam. This is still on XX/XX/XXXX. They connected us to fraud who said they were making a note of it and would cancel our card and send us new ones. Since XX/XX/XXXX I have spoken with at least 12 people at Chase, our account number has been changed twice and we have received two letters stating that the charge was legitimate and we were responsible for the amount. I spoke with fraud last week who assured me we would receive a call from them about the charge. The charge is still on our card. We are told that we don't have to pay the charge but we will pay interest on it if we don't pay that part of our bill. We have been with them for 18 years and during that time have paid the full amount due almost every time on time. We've never run into this problem in all these years but that doesn't seem to interest Chase. We are old and were scammed but we don't have $ XXXX lying around for someone to have fun on. We were advised by Chase early on not to contact the company that the charge was made to as they would be contacting them. I have even emailed Chase on their secure email and received replies but with no result. Yesterday, XX/XX/XXXX, XXXX we received a call from Chase that we are responsible for the charge. When you make a call to their number you receive a recording that the call will be recorded for voice verification and security. Chase told us that didn't matter. The party who charged our card had our passwords and we could've given them permission to use them. 

I called right away and explained to Chase right after it happened. When speaking to these different employees they didn't see notes on our account about what had happened. Apparently it wasn't important. Also we were informed that Chase will also be contacting the credit companies if we don't pay the amount. 

I'm just sick that we fell for the scam after being with Chase for 18 years with a good payment record. Chase doesn't believe us and we are responsible for the amount..
Consumer complaint received 2021-08-06
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: PENNYMAC LOAN SERVICES, LLC. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft PENNYMAC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Greetings. With my knowledge or consent. A family Member used my social security and information to open an account with XXXX which they let go in collections. I did reach a settlement agreement with the collection agency. However, they still have the account showing on my credit report which is severely hurting my credit. I've contacted XXXX as well as the Credit Bureau to get the collection removed from my account but to no avail.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

We were charged an unauthorized charge through PayPal. Transaction # XXXX, amount {$34.00}, XXXX XX/XX/XXXX. This charge came through a company in the XXXX, called XXXX Unable to communicate with them. There is a lot of activity with this consolidation company for unauthorized charges on the internet. In XXXX we paid a one time charge to XXXX for this amount. We never signed up for reoccurring payments. PayPal refuses to refund our money. There is some type of scam with these companies using XXXX to put reoccurring charges on our accounts. When I tried to communicate with XXXX, they just have an auto message service, no way to dispute the charge. I can find no authorization from XXXX that this was even charged. PayPal is not protecting their clients. Because they see an authorized charge from a year ago, they assume this new charge is Authorized. Please go after them, we are not the only people being duped by these automatic charges. We never signed up for reoccurring payments. If this is indicated, it is a scam by either XXXX or XXXX.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, I contacted Care Credit Synchrony Bank to inform them I could no longer keep up the account. At that time customer service offer me a hardship program that was supposed to stop all late fees and interest, plus closed the account. The amount was agreed upon to be {$140.00} a month, which I paid faithfully. In XX/XX/XXXX, I was notified by email that my balance increased by {$1300.00} for interest applied. This contradict what I was told on a recorded line. When I asked for the manager to review the call and call me back no one returned my call, it's been over three weeks now. I requested a copy of the recording which Synchrony customer service rep advised me that would not be possible. I heard made several attempts to resolve this matter and the only option they have is for me to pay the balance in full to alleviate the interests which contradict the fact they put me on a hardship plan last XX/XX/XXXX. I'm requesting you investigate this company collection practices and audio recordings of my conversation with several reps that stated they never seen interest be applied to a closed account.
Consumer complaint received 2021-08-06
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I was offered a permanent modification with my first payment due XX/XX/2021 with this payment being made XX/XX/2021 and they posted it XX/XX/2021, there was no payment due for XX/XX/2021, my mortgage company Lakeview AKA XXXX XXXX has continue to report me more than 30 days late for each payment this year. All my payments this year were paid the XXXX of the month or before in the month it was due. I notice the reporting late XXXX early XXXX. I reached out to them and made a dispute. In XXXX they corrected XXXX XXXX XX/XX/2021. On XX/XX/2021 I called them and spoke with XXXX and advise her that XXXX was still being reported as more than 30 days late, she advise dispute was still open and by XXXX they will have an update. As of XX/XX/2021 I received notice from the credit agency stated that not only did they not correct XX/XX/2021 incorrect reporting, but now they have reported XXXX XXXX as late again. On XX/XX/2021 I called spoke with someone name XXXX provided her with details as to why I'm calling she placed me on hold for about 8-10 minutes then disconnected the call ( she did not attempt to call me back ). I called back and spoke with XXXX who advise me he would need to transfer me to Loss Mitigation nothing currently resolved as I have now been on hold for 26 minutes.
Consumer complaint received 2022-06-21
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts need to be deleted from my credit profile.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AL)

To whom it may concern, I am writing to delete the following information in my file : CREDIT COLLECTION SVCS XXXX My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2021-08-06
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. (IL)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2021-10-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$920.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$990.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

This servicer has repeatedly reached out to us stating that they have been unable to confirm our condo 's master association policy. We have sent this policy to them, and so has the association itself. There is no record of this servicer actually reaching out to the association, and now after us ( and the association ) sending the policy, they are now reaching out to us again claiming they have been unable to get the policy. At this point this servicer is either lazy or does not have the capacity to do basic due diligence. I'm not sure if they're trying to do some sort of scam so that they can issue some sort of self-dealing master policy. Regardless of what it is, I am requesting oversight over this situation so that this servicer realizes the basic responsibilities it has for a conventional loan in a common community. 

I am attaching proof of the previous emails that were exchanged, how they also have the contact information of the association, the policy that was sent ( which doesn't expire until XXXX of 2022 ) by both us and the association, and how they somehow still sent another request for this same information.
Consumer complaint received 2021-06-27
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. (NY)

There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. handle this XXXX asap please, I'm fed up.
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery calls every Saturday and Sunday starting at XXXX. They also call during the day several times. This all started when they were removed from my credit file because it was an invalid debt. Never heard from this company until I had them removed. Now I get called several times a day starting at XXXX
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

On XXXX XXXX I noticed an unauthorized unknown account for XXXX by XXXX XXXX on my credit report, I contacted the bureaus to remove this negative item from my credit report. Although XXXX and XXXX removed the negative item, Experian still hasnt cooperated with removing this negative item from my credit report.
Consumer complaint received 2021-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have a store credit card a walmart credit card through ( capital one bank ) I have been paying them since I believe I got the card in ( XXXX or XXXX ) and I started my first pay i believe in ( XXXX or XXXX ) I always pay my bills good and I was wondering why when I pay it never goes down! So I called them several times and contacted the mail office about this matter to tell them I am being charged double on each of my month bills I mention to them the other cards I have deduct my payments and you all are not instead when I pay the bills they do not deduct the payments they never applied my payments but charging me over for the payments which is doubted and I can not get them to do so! They refuse to put the payments on correctly and they refuse to send me my statements with all the payments I have made for months almost two years or more! I have spoken with several managers and bosses over them and the fraud departments for their companies i have contacted their companies with letters mentioning to them I am being double charged each month and my bills have remained close to the same! I told them this is illegal and very much fraud and I mentioned and told them they are violating my civil rights it's illegal to double charge a bill and never deduct each payment my the months as agreed on any credit cards they refuse and told me I have nobody it like that! Which is a illegal lie and they also told me they can not send my statements and tells me they will not! I told them they can not refuse paper statements and I am tired of it this been going on for about two years or more. I have called this companies sometimes several times a month and wrote their cop rate office and the corporate office never responded I called their cop rate office someone answers and when I started telling them the matters or asked them why have they responded too my letter concerning the double payments and fraud and I have been refused paper statements in the mail they hanged up every time! This is illegal and not right. How c and you take people 's payments and not! Apply them and charge them the same payments over illegal crooked highway Robbery fraud and laundering money falsifying customers payments illegal money gains! Which is! Prohibited by law. And they are still doing never got s statements refusing to apply my payments they doubted and refusing to reimburse my money back from their illegal doings and processing for monery gains which is fraud their illegal and laundering misleading companies dealings. Be blessed
Consumer complaint received 2021-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

My account became overdrawn, which caused an overdraft fee. Bb & t continued to charge fees for months after Id stopped using the account. It wracked up over {$1200.00} in fees that had no charges attached