davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
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. (MD)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XX/XX/2017 Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I was a victim of extensive debit card fraud for the last XXXX XXXX. I reported these instances to Wells Fargo and they found them all to be legitimate fraud. However, I was just informed that my account was being closed due to " business reasons ''. This happened with no warning and my various direct deposits for work are all frozen in limbo now and I have no access to my funds. This follows a pattern of behavior exercised by Wells Fargo for which the XXXX XXXX XXXX XXXX XXXX. has chided them.
Consumer complaint received 2022-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contaced XXXX XXXX who I had an account with for the past XXXX plus years for cable. I returned the equipment and advised that I was moving out fo the area to a XXXX XXXX XXXX. XXXX has been harassing me for the past two years selling what they percieve to be a cancellation fee of {$260.00}. I did not have a contact with them it was month to month over many years. The community XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( I am XXXX years old ) has cable through our XXXX monthly fees. We do not have an opt out. XXXX is not in our area and their is no ability to connect and I would pay XXXX for cable if I did. XXXX has sold this supposed debt more than XXXX times, I have successfuly fought it each time through XXXX and through letters to the debt collectors but once again they are hounding me and had my credit score go down XXXX points from an XXXX  score to a XXXX  score as of XXXX XXXX. In XXXX  they affected my credit score unjustly as I was purchasing a home. I ended up paying higher premiums for homeowners and car insurance. The current company is Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: LD Holdings Group, LLC (AZ)

This company calls my cell phone incessantly seeking personal information. I have never sought this company 's services ; I have no idea why they keep calling me like a stalker. Calls start at XXXX XXXX. ( note, I live in Arizona but have a cell number with a different area code ) and are received multiple times a day. In addition to numerous voicemails, I also receive texts. I am a licensed attorney and am aware of my rights under federal and state law. I have saved all evidence in order to pursue a TCPA or other consumer rights action against LoanDepot. I will likely file suit and seek to certify a class action because I anticipate that LoanDepot harasses others as well. I want calls, texts, and voicemails to stop immediately.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

My chase bank account had over {$190000.00} dollars stolen out of by someone who hacked my information and had access to my bank account information and including my drivers license. They stole XXXX XXXX using my XXXX XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX using my debit card. Chase gave me back XXXX XXXX then they reversed their decision and left me completely broke. Chase responded by saying they said it was me who made these charges when they were not. 
This was all of my savings and I am going to be XXXX unless someone helps me. 
Thank you
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AL)

I closed the account via phone call with a live rep on XX/XX/2022. I paid the full balance which took me to zero. Since then the company has continued to charge me some type of fee and it is reflecting on my credit every month. I need it removed.
Consumer complaint received 2020-01-03
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. (NC)

I have a complaint involving XXXX XXXX. They have charged off my account # XXXX and sent it to XXXX and Equifax for {$15000.00} but yet sent it to XXXX XXXX XXXX XXXX and their saying I owe {$13000.00} a difference of {$2000.00} but I also know they resold it at an auction because the last time a representative spoke to me they said if I didnt pay by the end of XX/XX/2019 they would resale it at an auction. I also have proof but cant attach paperwork.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear Manager ; This is my 3rd or 4th letters that Im sending to your company regarding your violations of the FDCPA for not properly validating the debt that you claimed I owe you. Your continued reporting of this debt onto my credit report shows your willful violations of law because of your lack of validation and verification. Because of this, I will file complaints with the XXXX, The Consumer Financial Protection Bureau, Attorney General, FTC, and/or any other regulators thats willing to help me.

Again, this is a violation of the FDCPA 807 [ 15 USC 1962e ], therefore, if you can not validate the deb to its entirety, you must request that all credit reporting agencies delete the entry immediately. 

As of the date of this letter, if the negative account listed above is not removed from my credit report within 15 days, I will be escalating this matter and file more complaints as necessary to the regulators as mentioned above. 

Please be advice that Im keeping a close record of every move your company takes. Simply sending me bunch of statements is not a true testament or validation of this debt according to the provisions of FDCPA.
Consumer complaint received 2024-08-16
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. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, 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. XXXX XXXX XXXX XXXX # XXXX, 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 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 ) ( 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.
Consumer complaint received 2022-10-27
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

I have a VA Loan serviced by The Money Source. I have had the loan for 2 1/2 years with my first payment of {$1700.00} beginning XX/XX/XXXX. It was actually a little less, but I rounded it up to {$1700.00} for my XXXX XXXX. It went fine until XX/XX/XXXX where I was told I had a shortage to pay or my mortgage would go up. I paid {$1200.00} on that date and thought all was well. I mailed in my normal {$1700.00} on XX/XX/XXXX but got a notification that I was XXXX short as my mortgage had gone up. I complained but started to make my new payments of {$1700.00} starting XX/XX/XXXX. This went along fine until this past XX/XX/XXXX when I was told there is another shortage. XX/XX/XXXX I paid more than the shortage to an even {$1000.00}. Thinking all was fine I kept making my $ XXXX   monthly payments. Then I happened to read my XX/XX/XXXX statement where the new payment is now {$1800.00}. I have called TMS several times to complain but have not gotten any satisfaction. Someone did finally call back but said that even with my paying the shortages, my new payment will still go up. I said that did not make any sense. I should have been offered the opportunity to pay the complete shortage to keep my mortgage the same. He then said if I mail in the same {$1700.00}, I will be in default/late, even though the VA loan is only {$1100.00}. The rest is for the impound account for tax and insurance. I then told him to send me a bill, another shortage statement to bring my payments back to what the have been and he said he could not do that. This is not Customer Service.
Consumer complaint received 2022-01-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

RE : Improper filing of 1099-c form- I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The accounts in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per IRS regulations XXXX a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2024-10-21
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. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2022-10-27
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. (TX)

When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately XXXX separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my report.
Consumer complaint received 2023-11-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (ME)

My payments are due on the XXXX of the month. I went online to make the payment today and it was XXXX. The bank that is handling the store credit card does not allow payments to be credited on today 's date or even allow you to make a payment after XXXX. I did not realize this and therefore will be charged a late fee and interest. I feel this is nefarious and misleading behavior by a credit card company/bank.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to urgently notify you that I have been a victim of identity theft, which has led to multiple fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am demanding immediate action to correct this serious issue. 

ACCOUNTS [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] INQUIRIES -XXXX XXXX XXXX XXXX XXXX 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/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I now require the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (NJ)

HIPAA violation ... .. 
Commonwealth Financial Systems Inc Acct # XXXX Commonwealth Financial Systems ... .did not provide me a HIPAA release that releases my medical information to them ... .i am proceeding with legal action should this item not be deleted from my credit report within the required time allowed by law.