davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt under 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. 
VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed under the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of the Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties and not providing me a notice that complies with section 6803 and allowing me to opt out under 15 USC 6802. 
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. 
IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo made errors with my COVID-19 mortgage forbearance process and its preventing me from qualifying for a new mortgage. 

On late XX/XX/2020 I requested forbearance on my mortgage. We froze payments as of XXXX. In late XXXX, after missing 3 payments I called and asked to resume payments. The representative told me they will defer the missing payments to the end of the loan and Ill be  able to make payments starting XXXX. To date, XX/XX/XXXX, Wells Fargo has not deferred the missing payments. I called several times to resolve this and the Wells Fargo agents keep providing contradictory information, saying that the loan was never on forbearance ( even though I have letters from them indicating that it was ) The loan now shows delinquent, i made a payment in XXXX that shows that it was applied for XXXX payment. I cant get a new mortgage due to this per the new guideline and now I cant buy a new home because of Wells Fargo.
Consumer complaint received 2020-08-24
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: EQUIFAX, INC. (OH)

I have written good will letters to take off late XXXX  payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.
Consumer complaint received 2018-01-24
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. (NC)

Hello, In regards to the entry of : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, ACCT # XXXX - XXXX XXXX XXXX XXXX XXXX, AS OF XXXX XXXX, 2017 {$320.00} AT : XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this credit collection entry. I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. With the on-going Equifax security breach, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. 
XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You are n't as much ... why? 
REMOVE THIS ASAP!
Consumer complaint received 2019-09-05
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: EOS Holdings, Inc. (TN)

I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor. 
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (RI)

XX/XX/2020 I called on : XX/XX/2020 Synchrony Bank XXXX  sent me an e-mail stating that changes were made that effects my credit score.

Synchrony told the credit bureau my usage went up % 66 and they dropped my available credit from {$2500.00} to {$250.00} I did not cause this. My synchrony/care credit card hasn't been used since XXXX 2020. 
How is this possible since it hasn't been used. 

I called Synchrony and they refused to correct the problem they created
Consumer complaint received 2024-02-04
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: EQUIFAX, INC. (NC)

The following inquiry accounts below are on my credit report and they are all unauthorized. I repeat, THE PROVIDED INQUIRY ACCOUNTS ARE UNAUTHORIZED AND SHOULD BE REMOVED. PLEASE REMOVE THE FOLLOWING ACCOUNTS AS I HAVE NO KNOWLEDGE OF THEM AND UNAUTHORIZED INFORMATION SHOULD NOT BE PERMITTED ON MY CONSUMER CREDIT REPORT. Please remove the following unauthorized inquiries on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-08-24
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. (FL)

In XX/XX/2020, I was notified by XXXX  XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from XXXX  & Equifax. Since these are hard pulls, they negatively impact my credit score. In XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, Equifax has not corrected this hard credit pull.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nevada Credico, Inc. (NV)

I found out about my collection amount just this XXXX when i was in the process of refinancing my house and it showed in my credit report about quantum collections. I never received any notification regarding this account, per quantum collections the mailed me a letter last XXXX which i never received and no attempt has been made there after. Upon learning about this i immediately settled my account with them in full amount of {$100.00} and asked to be removed from my credit report but they have not been compliant as they give me reasons that covid happened and their office was closed after they sent out a letter. They should have tried reaching out to me as soon as they opened and gave me a chance to settle my account. This is against the law, that a collection will just appear on my credit report without proper notification. I hope you respond on this matter as i have done my part as a consumer by paying off my account even though there were lapses on their part in notifying me. 

XXXX XXXX Quantum collections las vegas account no XXXX
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/18 I applied for Capital One Card. No foreiegn transaction fees. 
I unfroze my XXXX file to allow XXXX XXXX to access. You receive a code. 
The " customer service rep was informed. She took all my other pertinent information She never took my code! I offered he -are you ready now for the code. She ended application never taking code. 
I was turned down ( of course ) and have sent letter to XXXX One-they need train their staff!
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NH)

Good Afternoon, I went to make a purchase with one of my credit cards that was issued by Synchrony bank and it was denied. I called the number on the back of my card and a customer service rep stated that my account was CLOSED. I asked why and they stated that I will receive a letter with 5-7 business days. So got me thinking about my other cards that I have through them and started calling and All of them stated that my account was CLOSED. I have been a customer of theirs for 4 plus years with no issues. I did carry several credit cards with them, most with XXXX balance, always paid on time, never went over or even close to my credit limit, always paid way more then minimum due. My credit was not great when first started with them due to job loss but I was determined to improve my credit rating. Most of the cards started out with little available credit and as I got established with them, they kept increasing my credit limits as well as giving me more credit cards. I have been an exceptional customer since I started using them and now within a day all my hard work gone!! At one point one of the reps told me to contact Transunion because that was the nail in the coffin due to my credit rating going down. Yes, I have been using more credit due to the pandemic but again nothing crazy and it was not even close to what I had available to me and again always pay my bills. I just think is fair that they can treat people this way. They could of decreased my credit limits first as a warning but instead they kept increasing credit limit the BAM accounts closed.
Consumer complaint received 2024-10-07
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. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2021-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

This is an ongoing problem of privacy and identity theft. On occasion, Chase Bank sends me notices of how this bank using my personal information -- most of which I can not opt out of. Chase Bank arrogance puts me more at risk for identity theft when they share my personal information ( for profit ) with other entities. Corporations have become too powerful and greedy. It is time for the pendulum to swing towards the rights and concerns of the consumer. I note that the outrageously-weathly XXXX announced the other day that he would not reimburse customers for overdrafts as a result of the pandemic. In my town of XXXX, he has closed down at least XXXX Chase location -- crowding customers into a smaller facility. Even the local Chase employees complain. Just wondering how nasty American smash & grab capitalism will become before the system is changed??
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The company is reporting inaccurate information to Equifax and XXXX credit bureaus. The date of last activity is different on both reports. The date of last payment is different on both reports. The date of last payment is different on both reports. But when i dispute the item the company continues to say that it is accurate. How is it accurate with both credit reporting agencies when it is different on both.I have repeatedly asked XXXX and Equifax to investigate the reporting. I sent them copies of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I repeatedly contacted the creditor acceptance now asking them to validate the account. I asked the to send me a copy of the contract with my signature stating that I've agreed to pay them, along with the terms and balance. They have not responded to either letter i wrote them all sent by certified mail and return receipt that was signed by someone at the company. I am really discouraged by this. I am paying XXXX, XXXX XXXX dollars for a car that only cost XXXX, XXXX because of these companies negligence. I was just turned down for a mortgage because their negligence. The dates that i contacted acceptance now are included with the certified mail receipt and return receipts. I did not include them all because there are so many but what i have included should be enough. XX/XX/2020. XX/XX/2020. XX/XX/2020. XX/XX/2020. These are the recent contacts but i have some dated all the way back. I thank you for your help. Certified mail receipts and return receipts uploaded for proof and response letters from the Credit Bureaus themselves.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

All payments made to the company are reported incorrectly as Auto Payment Draft -Not the payment method I used. Payments I made to the company were not respected. The credit card company closed my account without notice because their system has not reported my payment history correctly. It may be cv-19. I would like the account corrected and the restore my credit history. I have receipts of payments made that prove my Good Payment history. The credit card company drags my payments down to a Auto draft payment then months later shows the payment method I used was not a Auto draft  payment but leaves a non-payment charge on my account untill the account is closed.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I was approved for a forbearance on my home equity line in XXXX. Since I paid my XXXX payment I asked them to start in XXXX. According to the papers sent they said it would not be reported to the credit bureaus as late, it will be reported as current. Upon checking my credit they did report as late and my score went down 100 points. I have written to XXXX   many times and i get no response. This is very disturbing for I am XXXX XXXX XXXX and always had excellent credit. Now with this report I will not be able to buy a car in the future ( I am driving a 6 year old car now ) nor get another mortgage and many other things. I was so upset about this I brought the account up to date in XXXX but I need XXXX to correct the credit report. I am including the approval letter which indicates that it will be reported as current also including a letter I sent to Equifax where I was able to get a free copy of my report
Consumer complaint received 2020-08-24
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: SYNCHRONY FINANCIAL (CO)

I have an inquiry from syncb/PayPal on XX/XX/XXXX as a hard inquiry, which affects my score. I only applied for a credit card for XXXX  XXXX, which does show, but that was in XXXX. The syncb/PayPal was done XXXX well after I had applied for XXXX  XXXX. XXXX  XXXX is the only credit card inquiry I should have, I never applied for anything else. Worries me that some one might have tried to use my identity. This one is shown on my XXXX  report
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have sent 4 letters to Equifax asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.
Consumer complaint received 2020-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I was in the mortgage forbearance program per the Cares Act affirming financial hardship due to COVID-19. The initial 180 days has come to and end and I requested an additional 180 day extension as outlined in the Cares Act. I sent this request via certified mail with return receipt. I received notification back that I am being denied the extension by my loan servicer ( Flagstar Bank ) who is requesting additional financial information in order to modify my existing loan. They also have begun charging me late fees. I would simply like to be granted the additional 180 days or mortgage forbearance relief as outlined in the Cares Act which states that no further additional documentation is required.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (CA)

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 consumers right to privacy. '' Sagestream are consumer reporting agency 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Sagestream do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Sagestream ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 1681s2 ( 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. Sagestream 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.