davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference # XXXX. Incorrect Name : XXXX, XXXX, XXXXXXXX XXXX. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.
Consumer complaint received 2022-11-27
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (FL)

The previous company XXXX XXXX XXXX XXXX XXXX not prove they have legal representation of the account in question- # XXXX and # XXXX. I called on XX/XX/2022 and asked for the company XXXX XXXX to provide # XXXX Original Contract with my signature # 2- Creditor information- Original name, address, phone number # 3- payment history and itemized billing associated with this account.

# 4- Proof of ownership they have the prove the authorized to collect the dept and the Change of Title to current owner. 

The company in question was unable to provide proof of ownership and that they are legal to operate in the state of Florida. In the letter the company sent to me does state that the account was prepared by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX " It is not a credit card or other account statement from the original creditor ''
Consumer complaint received 2022-11-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I asked Equifax for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

I submitted a dispute with CHASE bank because there were unauthorized transactions in my account totaling to {$250.00}. I received a temporary credit until the investigation was completed. CHASE bank then sent me a letter dated for XX/XX/2022, stating that the investigation has been completed and the transactions was valid and the temporary credit of {$250.00} will be reversed from my account on XX/XX/2022. CHASE Bank has not provided me with any documentation that proves that these transactions were in-fact authorized by me. Pursuant to 15 USC 1693g ( a ) it is the purden of proof for the financial institution to provide proof that an unauthorized transaction was authorized by the consumer by signature, photograph, or fingerprint or by electronic or mechanical confirmation. CHASE has not provided me with any of the requirements under this subsection. Also, CHASE has in-fact deducted {$250.00} from my account on XX/XX/2022, without providing me with any of the requirements listed under 15 USC 1693g ( a ). Please help assist in resolving this matter as soon as possible. Thank you.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AL)

In XXXX or XXXX I applied for a XXXX XXXX XXXX with a {$200.00} security deposit for discover and in XX/XX/2022 I received an email stating that I had graduated from the secured credit card to a regular credit card and that I would receive my security deposit of {$200.00} back. By XXXX the XXXX I had still not received my check so I reached out through online chat messaging to discover inquiring about my check they said that they had sent the check out and that I should receive it between XXXX to XXXX XXXX XXXX by XXXX the XXXX I still have not received my check so I reached back out to discover and was informed that they would have to do a stop check and reissue a new one that it would take XXXX XXXX for that to occur and then another XXXX XXXX for me to receive my check and that if I had not received it by XXXX the XXXX that they would do a refund to my debit card I spoke with someone from discover today on the phone and was informed that my check still has not been sent in the mail because of XXXXXXXX XXXX and I am getting a little concerned that they're not trying to give me my security deposit back so I looked online and have seen countless other people that is going through the same thing that I'm going through right now and they still haven't received their security deposit back as well
Consumer complaint received 2022-11-27
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. (CA)

/I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately Creditor : XX/XX/XXXXAccount number : XXXX Opened:XX/XX/XXXXBal : {$15000.00} Creditor : XX/XX/XXXXXXXX Account number : XXXX Opened : XXXX Bal : {$320.00} Creditor : XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$610.00} Creditor : XX/XX/XXXXAccount number : XXXX Opened : XXXX Bal : {$2600.00} Creditor : XXXX XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$17000.00} Creditor : XXXX XXXX Account number : XXXX OpenedXX/XX/XXXX Bal : {$250.00} Creditor : XXXX, XX/XX/XXXXAccount number : XXXX Opened : XX/XX/21 Bal : {$260.00}
Consumer complaint received 2022-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (NY)

FCI is a company that services mortgages and payments on real estate loans. We received an unjustified late fee in XX/XX/2022 because the automatic payment we set up from our bank account was set to an initial monthly payment amount, that based on the nature of the loan, was going to quickly increase to a new amount. This is because the loan package to purchase a house also included a renovation loan to repair the house. The terms of the loan included an increase in the monthly payment when we applied for partial payments, or draws, on the renovation loan. This increase in the monthly payment was entirely forseeable due to the terms of the loan. We set up an autopayment on the original monthly payment amount, which worked for the XX/XX/2022 payment. As soon as we applied for the first draw in XXXX, the monthly payment increased. However, the setting of FCI 's autopayment from our bank was set on the fixed initial amount, not an automatic floating amount to cover changed monthly payments. The autopayment would not take the new amount from our bank, which FCI blamed on us, making a hostile phone call and sending late payment letters. We had to call an FCI representative and pay the missed payment and a {$74.00} late charge individually, and were told we had to wait until that payment cleared before we could toggle the settings in our online account to make the monthly autopayment automatic to cover a flexible amount, rather than a fixed single account. Our belief is that FCI clearly sets loan payments this way to ensure that everyone runs into this problem, and misses a payment when their monthly loan payment increases due to the activation of draws on their renovation loan, to enable FCI to levy a late fee that is entirely their fault. The solution - FCI changing the default setting on their loan payments from fixed to automatic - is so simple and easy that it is clear that having the default payment setting on fixed is company policy to cause loan customer autopayments to fail, allowing FCI to extract a late charge- on every loan with a renovation package. We have already requested and received a refund, but we assume many other loan customers are being mistreated. Please compel the company to change their policy and enforce whatever laws they have violated.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

im being violated by experian under 15 usc 1681b I didn't give written consent to report these items. I do not own the said account it was purchased by my insurance company. please help me in getting this item removed from my consumer file.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Jennifer McCoy, PC (FL)

please see attachments for FDCPA, FCRA, GLBA violations committed against me in commission of a fraudulently coercing a payment of a debt that is not owed and can not be effectively validated.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (PA)

A collection company, Convergent, the 2nd collection agency employed by XXXX XXXX, has been sending letters and contacting me even after I told them this account is in " Dispute Status '' with XXXX XXXX. I have chat, phone call & certified letter evidence that XXXX XXXX was notified this account is in dispute and the reasons why were documented and sent to them in multiple ways. They still sent this to Convergent for collection. Convergent  reported this on my credit reporting & did not list it as " disputed ''. 


Notice of Billing Dispute XXXX XXXX XXXX cell # XXXX XXXX XXXX XXXX XXXX Account # XXXX Disputed Amounts : 1 ) {$510.00} erroneously added to my XX/XX/2022 bill for International Roaming Data usage. This was caused by an error by XXXX XXXX. I called in XXXX oXXXX XXXX to turn off all International Roaming & International Calling Plans due to unhappiness with the costs and functionality issues. XXXX XXXX agreed to suspend all international data usage but failed to do so. 
2 ) {$350.00} Promotional Chargeback listed after my account was moved to XXXX in XX/XX/2022. I am being charged some form of early cancellation fee for a Gift Card that I never received or used. I was month to month with no early termination penalties in my contract with XXXX XXXX. In addition, you put me under duress by threatening to suspend my cell ph # service. My cell ph # is needed for my work. This constituted a Breach of Contract and is why I was forced to drop XXXX as my carrier for cell ph service. 


XXXX XXXX, No Final Payments will be made until you correct the above-mentioned issues. I dispute 100 % of both charges listed above and any additional collection, early termination or any other charges XXXX XXXX attempts to make up. In addition to XXXX XXXX receiving this Dispute Letter, a copy will also be sent via certified mail to all 3 credit repositories, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX was given every opportunity to fix these errors. Instead, you chose to try to bully me into paying an erroneous disputed charge at the threat of having my cell ph # suspended. XXXX breached our agreements. 


XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-12-05
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-05
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. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Consumer complaint received 2022-12-05
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-05
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. (TX)

This is my third request to you to remove the fraudulent accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items as they Fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe that the disputed items are accurate and belong to me, I request of you to please send me copies of proof of verification from your investigation. If you can not find any documents to support your claims, please immediately remove the disputed accounts and information from my Credit File as soon as possible.
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

First point collection is reporting two accounts on my XXXX credit report. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. First point collection is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, First point collection never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.
Consumer complaint received 2022-12-05
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: Action Revenue Recovery, LLC (LA)

This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the condtions of the FCRA I am allowed a fair and accurate credit report.Please see the dates/ amounts listed below I am demanding be removed from my credit report immediately Action Revenue Recover XX/XX/XXXX in the amount of {$130.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$390.00}
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (MO)

I visited the car lot on XX/XX/XXXX. I had recently had a bankruptcy XXXX on XX/XX/XXXX. I was told when I came to the car place that day after my credit was ran that my credit score was too low and that I would have to put down like XXXX or more on a car to be able to purchase one from the lot. So I left and went home. Within an hour or two, I received a phone call from the sales representative asking if I could come back to the lot that they had found a car for me. I took the bus to the lot. When I got there the sales person let me test drive a XXXX XXXX XXXX. It was nice but I wasn't aware of the issues I was about to have. Once we got back to there office I had to get insurance for the vehicle which was a hassle because I had only came to the lot with XXXX dollars and they were originally asking me to put down XXXX for the car. They took it down to XXXX so that I could get insurance. After receiving the paperwork I noticed that my car loan was {$740.00} dollars a month and I could understand how. At the time I wasn't even aware or told that my interest was 29.99 %. I would have never agreed to that. 
Also, the sales person put a stick on the window which I assumed was the new safety inspection but I found out that was an expired safety inspection. Warranty didn't even cover the tires because I got a nail in it a day or so after that and had to buy new tires. Anyway, fast forward to now XX/XX/XXXX, I had to pay for my own ID/OD inspection because it was too much of a hassle dealing with them. Also, I just noticed that if I paid off the loan in full it would be {$53000.00}. I still haven't gotten the car titled yet and I feel as though my information was compromise or something to get this auto loan because I didn't know anything about it and had I known it I would have never agreed to it coming right out of a bankruptcy with no a lot of income! I feel I was all around scammed.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NY)

Starting in XX/XX/2022, I have received multipke notifications from XXXX different banks with info about credit card applications that I never made - fraudulent applications apparently made by somebody else using ny name and info. The banks are Comenity Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have received letters from these banks urging me to lift my credit report freeze so they can issue the fraudulent card, and to confirm false fraudulent address changes that I did not make. 
I have written letters to all these banks or called them to warn them of the identity theft and to cancel these applications or accounts. 
XXXX of the banks, Comenity and XXXX XXXX XXXX, have sent me letters about additional fraudulent credit card applications after I already warned them that these are fraudulent. 
In my opinion, it is fraud and harassment to continue to process multiple fraudulent applications after I told them about the identity theft, and this poinr the banks have been so unresponsive that I suspect one if them, Comenity, is making the fraudulent applications themselves internally.