davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX, XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (TN)

I would like to report several unauthorized hard inquiries on my credit report. The following inquiries were made without my consent : SANTANDER CONSUMER USA - XX/XX/scrub>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 XXXX XXXX XX/XX/year> SANTANDER CONSUMER USA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date not specified I did not authorize these inquiries and am concerned about their impact on my credit score. I request that these inquiries be investigated and removed if found to be unauthorized.

Thank you for your attention to this matter.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MS)

VALIDATION AND CEASE AND DESIST IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear IC Systems, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. I told XXXX, transunion y XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVER BANK XXXX
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NY)

US Bank provided a response that I met the promotional terms and the {$20.00} was credited. However, after reviewing the XXXX billing statement, I can confirm that the {$20.00} statement credit you referenced does not appear. Instead, there is a {$15.00} recurring bill pay promotion, but no record of the {$20.00} credit being applied. 

Given that the promotional terms were met and you confirmed the credit should have been added on XX/XX/XXXX, I demand that the {$20.00} credit be applied to my account immediately. Please ensure this is corrected as soon as possible.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XX/XX/XXXX Re : Request for Debt Validation** Dear to whom it may concern I am writing to formally dispute the validity of the alleged debt referenced above and to invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq. 

In order to verify the legitimacy of this debt, I demand the following documentation : XXXX. A copy of the XXXX XXXX that demonstrates your legal authority to collect this alleged debt. 
XXXX. Complete evidence of the chain of title for this alleged debt, including any and all purchase agreements and assignments indicating the transfer of ownership from the original creditor to your agency. 

As you are aware, the FDCPA requires that you cease all collection efforts until you have provided me with the requested validation. If you are unable to produce the aforementioned documentation, I will consider the alleged debt invalid and expect that any negative reporting associated with this account be removed from my credit report immediately. 

Here 's the account information and question XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Additionally, please furnish me with a detailed account statement that clearly outlines the original amount of the debt, any fees or interest that have been applied, my payment history, and the name of the original creditor. 

I request that you respond to this inquiry within 30 days from your receipt of this letter. Failure to comply with this request will force me to consider taking further action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

Auto payment of mortgage of {$2800.00} to Newrez/Shellpoint taken from XXXX XXXX Checking account on XX/XX/2024. The mortgage was paid off on XX/XX/XXXX since the closing was changed to that date due to a death in buyer 's family. Received email congratulating us on the payoff, and that any refund would be sent XXXX days. Contacted them on XX/XX/XXXX to verify new address and was told refund would be sent. Nothing as of XX/XX/XXXX, so called again. Told that a deposit was made to XXXX XXXX  account for XXXX XXXX? on XX/XX/XXXX. Nothing in our account. Went to XXXX XXXX and they have no record of anything from Newrez/Shellpoint to our account. Verified account numbers on XX/XX/XXXX in another call, that I recorded. Said they would void other deposit and resend on Friday but due to XXXX XXXX it could be the following week. It's now XX/XX/XXXX and still nothing in our XXXX XXXX Account and no check received. 
They have now had our money for almost 3 months and we can't seem to get it back - We do not trust them since we spent months trying to get our insurance money from them for our roof claim. As I did with the insurance claim, I get different answers every time I call or chat, but nothing happens. I need to collect the debt of {$2800.00} that THEY OWE ME! And I should be getting interest on that amount.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (AZ)

I submitted an international wire transfer of {$3500.00} ( + {$25.00} fee ) through Wells Fargo online banking on XX/XX/year>. The {$3500.00} left my account almost immediately. The confirmation I received from Wells Fargo stated that my wire transfer would be delivered by XX/XX/year>. On XX/XX/XXXX, the money was not received by the recipient as represented. On XX/XX/XXXX, the money was still not received by the recipient. On XX/XX/XXXX, the money was once again still not received by the recipient. On XX/XX/XXXX, I called Wells Fargo and asked them to recall the wire transfer. I spoke with a Wells Fargo employee named XXXX who stated that she submitted the recall for the wire transfer. Throughout this process, Wells Fargo could not let me know where the money was without initiating a long investigation when I had a deadline on this payment. Wells Fargo is now telling me they can not guarantee I will get the money back through the recall. I am a loyal Wells Fargo customer and I put my full faith in them that my wire transfer would be delivered as they represented.
Consumer complaint received 2024-09-22
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: Bread Financial Holdings, Inc. (HI)

Case : XXXX Comenity Bank responded to my complaint stating that they would remove, or revoke, the XXXX, XXXX, and XXXX day late payments they reported to the credit bureaus. It has been over XXXX day, and the late payments are still on my report. They have not done what they said would do in their response to my complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (AL)

First Progressive, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$220.00}, {$200.00}, {$200.00} XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$930.00}, {$930.00}, {$930.00}, XXXX XXXX, Date : XX/XX/XXXX, Amount : {$250.00}, XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$3500.00}, XXXX, XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$880.00}, {$880.00}, reported by XXXX, XXXX, and XXXX. XXXX XXXX Credit Report Attached as verifiable evidence of multiple charge off under same social security number account that is Certified, and Listed as Decedant Account, duplicate Account charges, and unauthorized Inquiries, hard and soft. Account listed as vast XXXX XXXX. Owner and XXXX XXXX XXXX XXXX XXXX ] : XXXX XXXX.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

On XXXX XXXX. I made 2 withdrawals from the XXXX ATM that is at the XXXX on XXXX XXXX in XXXXXXXX XXXX. The first was for {$300.00} the ATM dispensed that amount no problem the next was for {$240.00} the ATM never despensed that amount just a receipt.i called chime my bank. They said the investigated it but found no error. Which is not true because I never got the Money.even before calling chime I called XXXX since it is their Atm
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Smart Money Capital, LLC (TN)

The companies listed below received my name, address and other limited information about me so they could make a firm offer of credit or insurance. They did not receive my full credit report. I did not authorize these inquiries. 

XX/XX/XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC (FL)

On XX/XX/year>XXXX  XXXX XXXX  formally know as XXXX haulted the foreclosure based on my QWR, Notice of Errors, send me the documents showing what investigation was done the conclusion of the investigation and the corrections done to the loan prior to proceeding with the foreclosure UNABLE TO PROCEED WITH PFFCRS AS LOAN HAS AN ACTIVE/UNRESOLVED BORROWER XX/XX/year> XXXX COMPLAINT/ESCALATION.PROPOSED RESOLUTION DATE : XXXX XXXX Activity Log attached
Consumer complaint received 2024-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc. (AZ)

On XX/XX/XXXX, I went to an emergency room and I provided my insurance to them. The emergency room/ hospital called me after I was discharged to get payment information, I provided them my insurance information again and they stated that everything is good and no more action to take. Couple months after, a collection agency called me to take some information about that and I stated that I have gave my insurance information more than once and I do not understand why this keeps happening. She took the info over the line and everything was ok. Lately, I have been getting so much calls from a number that I think its a scam, I keep blocking them and they call me from different phone numbers. After all this time, this morning XX/XX/XXXX I checked my XXXX XXXX report and it says that I have a credit report. As I was checking, it states the company name that I think it was scam. I called them to see whats happening and the person who answers the phone was XXXX and he didnt know what hes talking about. I could hardly understand what he was saying but I know he was saying this is a hospital debt and we need a payment right now. He stated that I owe around {$1400.00} and that he will offer me a discount and it would be {$900.00} instead if I provide him my card information. I told him that I cant offer any payment today and that I am unemployed. He stated that ok give us your card information and well stop this report. I asked him why is he asking for my card information so much and why is he needing a payment from me TODAY when I shouldnt owe anything? He stated that I can not call any hospital or insurance or anyone about that report and it has to paid with them ONLY and that there is no other options for me. He states you can not get in contact with anybody just with us I told him I have to borrow money and Im unemployed, he stated you dont even have {$100.00} today to pay me? And I can do it {$100.00} a month he was asking so much for a payment information that he said he needs them today. When I said not today, he stated OK, Tomorrow? I can call you back tomorrow I ended up hanging up the phone on him. The company is called Central Portfolio Control. I do not owe any money and everything should be paid in full from my insurance. The way he was talking and forcing me to pay today to him was a scam.