davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

A unathorized charge was charged to my account and Amex refuses to issue credit. This charge is unauthorized and therefore not legitimate. This is because a booking was made in error by a person not unauthorized to use this card. This error was due to my card number being saved in a website ( XXXX ) the person did not realize my details were saved and subsequently made the charge. When this error occurred I immediately contacted the merchant to cancel the charge or refund. Despite all good effort to work with the merchant on this issue we were not successful as they refused to return phone calls to rectify the error. 
During the dispute the merchant provided American Express a copy of the bill/invoice. I would like to state that this should no be counted as supporting documentation as this merely shows that my card was charged for the said amount and does not show I authorized this charge. We already know my card has been charged for this amount so a copy of a bill is irrelevant to my claim of an unauthorized charge.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

They have not validated the debt by producing a payment history and original contract of my signature. 

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2022-12-16
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. (IL)

I have a fraudulent inquiry someone else tried to use my information in social to apply for credit. This inquiry does not belong to me. Its a fraud. 
The inquiry is XXXX XXXX point address XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX GA ZIP Code, XXXX phone number XXXX The inquiry, was on XX/XX/2022
Consumer complaint received 2022-12-16
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. (IL)

I have a hard inquiry that is fraudulent somebody else did it. I didnt do it its not mine. The inquiry is FB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

in XX/XX/2021 I talked with XXXX XXXX XXXX of XXXX, because i had fallen a few payments behind and i was scared i was going to lose my home. So i gave them XXXX or XXXX XXXX dollars to start my case and i filled out with my signature a cease and desist form for my morgage with us bank. Then i was suppose to fill out more paperwork and send them more money. They started being real pushy and I suspected fraud right away. So I told them in email i wasnt going to be using there services. And i felt they were fraudulent. Months later when i went to do my taxes. I noticed them on my tax paperwork. I went to the bank, they actually were rude to me as if i was crazy. I felt discouraged and time went by. Im talking to morgage assistance yesterday and they pointed them out on my morgage statement. I had no idea they were on it. I called the bank I told them to take them off of person of contact they are fraud. She told me she could not do that.. Im upset that i never signed any paperwork or any contracts with them and i didnt do any of there obligations they said i had to do in a timley maner. now when i go to talk to my bank they cant help me out. I have proof of emails telling them i was not using there services. I cant believe the bank will quickly put them on my morgage. I have not gave them any money I have been paying the bank my morgage each month to us bank. Im so afraid. They are trying to take over my home. Espacally I never did any business with them. What do i do next?
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: STATE BANK OF INDIA - NEW YORK BRANCH (NV)

I was told I had an inheratance of XXXX XXXX dollars I am the only living relative to XXXX XXXX XXXX XXXX XXXX and I opened these two accounts ... XXXX XXXX XXXX I originally had the XXXX send me XXXX XXXX dollars in account oh non of that yet I tried for 6 months to get the money with calls and XXXX  and also my house being bulldozed I was never gon na be able to get the money I changed my name to XXXX XXXX and since my I'd wasn't valid I couldn't use either name due to social security and so when I finally got the social security numbers figured out I had no clue which social or identity was on the account and so I finally had a phone and a number and time to actually try and was told the XXXX XXXX  actually owns the money if you haven't used it in six months so I started ordering online only to have the XXXX XXXX  stop payments. I went to the original bank but because the person who stole rhe money had the name changed on the account I was unable to receive the moneys I don't have a clue on how to get my money from the XXXX XXXX not XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

It's says I applied for Chase Bank card!! I never did & I have a hard inquiry on my credit report & I never applied for anything!! It also stating I have a new Car! I never owned a car & I don't have a car!!! This is fraud!!!
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist mortgage company escrow problems. 

Truist sent the windstorm insurance check to the WRONG address and charged me for force placed insurance due to a lapse in coverage that was their own mistake. I have given them plenty of time to correct this and still have not had any resolution. My agent has reached out in late XX/XX/XXXX regarding this and it was noted that Truist mailed the check to the wrong address. 

Around early XXXX, called regarding corporate reimbursement for {$190.00}. They said they will investigate. Never hear back from them so I have to call back on XX/XX/XXXX. I actually received an agent who understood that it was not my mistake on this date. Never hear back. So I Call on XX/XX/XXXX to see response- on this day, I was told the review in progress since XXXX but not confirmed and need to allow XXXX business days. On XXXX I note that my account was charged the {$190.00}. I called on XX/XX/XXXX and after wasting a lot of time, I got an agent to listen to me and pointed directly to the evidence showing that Truist messed up badly and continues to double down. They acknowledge this. They claimed to reverse the charge that should be reflected in my count by end of XX/XX/XXXX business day. It is past that time. No money reversed back to my account. This is comically bad and has been a pain. Please avoid using Truist if you want to avoid getting charged for THEIR mistakes.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I asked XXXX experian and XXXX if they can remove all of the old addresses and and inquiries tied to those addresses and they said they will but have not its been months after
Consumer complaint received 2022-12-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

Actually this is withdraw my previous complaint against ad astra, I apologize for receiving the letter that they sent not on time due to illnesses, so please disregard my last complaint and once again I apologize, they acted well and professional. Thanks
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2022-12-16
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. (PA)

My name is XXXX XXXX XXXX and I am writing this statement on my behalf in regard to the following information on my files/bureau reports. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit files. I reported the theft to the Federal Trade Commission, CFPB, and local police authorities. I request that the following items be removed from my credit report immediately : Accounts : 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
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

1. During spring of 2022, reviewed my credit reports and saw that I had a credit collection submitted by an unfamiliar company for an unknown debt. Contacted each credit bureau and had the collection removed. 
2. Unable to contact the company that claimed the debt, i.e., XXXX. The customer support website was useless. 
3. Received notice from IC Systems, the collection agency, demanding payment. 
4. Sent letter to IC Systems in XXXX saying I did not owe the debt and would not pay. 
5. Received notice from IC Systems in XXXX of this year increasing the amount due and demanding payment. 
6. Payment coupon included with this " request for payment '' showed that the person who owes the money lives in a different state, a state in which I have never lived. 
7. The amount originally claimed {$330.00}. The above-mentioned payment coupon shows an amount due of {$480.00}. 
8. I'm also expected to return some equipment ; I have no idea what that would be.
Consumer complaint received 2016-08-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (LA)

Over the last 10 yrs I have faithfully paid appr XXXX in interest on a heloc. In XXXX I received a letter that the full amount was due in XXXX. In XXXX I called to ask about this and was told that the loan would be reassessed. I was not informed that the whole loan would be called. I did find in the original loan agreement that it would be called. I wish that in XXXX they would have disclosed that and not promised reassessment. I was informed in XXXX that I could not apply for hardship until XXXX when the loan came due. In XXXX I applied for hardship. I had XXXX interest only payment due in XXXX. I asked about paying it and was told it would just be sent back because it was not the XXXX that was owed. They told me not to pay it, that it would not be applied and that it would be returned. I keep getting a bill for it. I again asked the employee assigned to my case, XXXX, why I keep getting a bill of XXXX. She also told me not to pay it. I have been recently following my credit report. They have reported me as delinquent and they claim it is on the XXXX. I do not understand this. If I have applied for a hardship program, have been accepted into the hardship program, have made my trial period payments then why am I being reported as delinquent for 30, 60, 90 and soon 120 days? On this XXXX bill it asks for the XXXX and has a late fee of XXXX. When looking at the details it does not show my XXXX payment as going towards the XXXX. In the loan modification trial paperwork it states that if any late payments the XXXX would go towards those late payments. This first payment does not appear to have gone towards it. I feel that I was told not to pay the XXXX in order for them to put me in a position where I had no other choice but to accept their load modification. With reporting to the credit bureau that I am late they are closing all doors to refinance and get away from them. It feels like entrapment. I discovered today when researching my legal rights that when I was informed a few years back that my heloc was cut off because my house was no longer valued at the original value was illegally done. They cut off my line of credit, still reported to the bureau it was active at XXXX even though I only owed XXXX and they did not prove my house had decreased in value. My house was appraised at {$180.00} when I took out the heloc and again appraised at {$180.00} when appraised for this trial period. They cut me off with no justification or evidence. I am being dealt with unethically and unfairly. I want the late payments removed from all three credit reports. They are receiving their payments and have been receiving them faithfully for over 10 yrs. To advise me that a payment would be sent back twice and then report me as delinquent to the bureaus is against my fair credit reporting act. I demand this rectified immediately
Consumer complaint received 2022-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ARS ACCOUNT RESOLUTION XXXX XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

Im accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : also 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 en
d consumer credit plan as late for purpose 15 USC CODE 1681 a - definitions rules of construction - Exclusions - except as provided, in paragraph the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-12-14
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: Resurgent Capital Services L.P. (TX)

FCRA Violation personal information not mine 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 FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX LVNV FUNDING LLC LVNV FUNDING LLC  FCRA Violation hard inquiries not mine 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
Consumer complaint received 2022-12-14
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: National Credit Adjusters, LLC (WA)

Hello, My name is XXXX I live in Washington State and Im currently trying to by a condo. The underwriter informed me there was a collection on my report. However, when I log into XXXX I dont see any collections to dispute. 

I am able to see the collection in XXXX XXXX so I contacted the XXXX XXXX agency that has the account. I informed them that this is a fraudulent account opened by XXXX XXXX. He was an abusive ex who had access to my personal information through his employer at the time. Ive already contacted the National Credit Adjuster and informed them and filed the claim for identity theft. 

I have also contacted XXXX and informed them of the situation about this account and the dispute has been started. Please have this collection account removed from my credit report as soon as possible. I can provide some information to properly allocate this collection to the proper person XXXX XXXX. 

XXXX. ) Collection is for XXXX XXXX in XXXX XXXX. ) Open date XX/XX/2017 XXXX. ) Original Account # : XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX. ) Original amount : {$740.00}, Now : {$1500.00}
Consumer complaint received 2018-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc. (FL)

A company called Client Services Inc. has been contacting me frequently. The calls come from different numbers every time. I have received messages which I still have recordings of. These phone calls are all for a person I do not know, and on five separate occasions I have explained this and been assured my phone number will be removed. The calls have become such a nuisance that I have to avoid picking up calls from numbers I don't know, which I need to be able to do for work. The most recent phone call was a few minutes ago today ( XX/XX/2018 ). I can track down more dates if needed, as like I mentioned I do have recordings. I have also called them back myself to address the issue of them having the wrong phone number, and again they assure me it's being corrected. On one of these occasions I was called back the very same day.
Consumer complaint received 2022-12-08
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)

The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 2. Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 3. Reported XX/XX/XXXX ACCT # : XXXX 4. Reported XX/XX/XXXXXXXX XXXX XXXX 3 LATE PAYMENTS 5. Reported XXXX XXXX XXXX XXXX XXXX XXXX 6 LATE PAYMENTS 6. XXXX XXXXXXXX 1 LATE PAYMENT 7. Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$720.00} Hard Inquiries XXXX XXXXXXXX XXXX XXXX Inquire date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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.