davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (GA)

This is very alarming as applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-07-03
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. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX  verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, A XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently pulled my all three of my credit bureau 's. My XXXX Credit Report was fine. My XXXX Credit Report was fine. But my Equifax Credit Report showed that there was an auto loan from a credit union located in Tennessee reporting negatively on my Equifax Credit Report. I've never lived in Tennessee before, never visited Tennessee, nor have I ever wanted to visit or live in Tennessee. I'm born and raised in California. XXXX XXXX to be exact. 
My personal information was leaked from Equifax 's breach, which is how this person obtained my personal information in order to obtain my personal information. 
Below is the auto loan information from XXXX XXXX XXXX XXXX reporting negatively on my Equifax Credit Report, which is currently negatively impacting only my Equifax Credit Report that I would like to have permanently deleted : 1. XXXX XXXX XXXX. - Amount : {$95000.00}
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute the validity of a collection account listed on my credit Exquifax credit report. Despite multiple attempts to dispute XXXX XXXX XXXX on my credit report Details of the Disputed Account : - Debt Collector : National Credit Systems - Original Creditor Name : XXXX at XXXX XXXX Apartments - Date Opened : XX/XX/year> - **Amount : {$5500.00} I believe this account violates both federal and state laws regarding debt reporting and the applicable statute of limitations. Although, the Consumer Financial Protection Bureau ( CFPB ) oversees the enforcement of federal consumer financial protection laws, while state governments have their own laws and regulatory bodies that may also govern contracts and debt collection practices within their jurisdictions. Under the Fair Credit Reporting Act ( FCRA ), any negative information reported by a collection agency must be accurate, timely, and verifiable. Section 605 ( a ) ( 5 ) of the FCRA stipulates that a collection account may only be reported for a maximum of seven years from the date of delinquency that led to the collection activity. However, my credit report indicates that the date of delinquency for this account exceeds the applicable statute of limitations for debt collection in Texas. In Texas, the statute of limitations for debt collection related to an apartment lease is two years, as per the Texas Property Code, Section 92.019. Given that the date of delinquency for this account is from XX/XX/year>, it should no longer be reported or collected upon. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that this account is removed from my credit report. Additionally, I ask that XXXX XXXX XXXX cease all collection activities on this invalid debt. Thank you for your attention to this urgent matter. I look forward to your prompt resolution.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CO)

The week of XXXX XXXX, I called XXXX XXXX XXXX to pay to delete a {$490.00} debt on my credit reports. This debt is not mine and I have been trying to dispute it. The Name on the account is not mine and I believe steams from stolen identity, due to data breaches at XXXX XXXX XXXX XXXX or XXXX data breach. 

The rep on the phone tried to tell me to enter that the debt was mine, in order to move to a negotiating team who would talk to me about a payment. I told the rep multiple times that the debt is not mine, but they continued to tell me to put that it is to move on to a resolution to get it off my credit report. 

The debt is not mine and I would like to be taken off my credit report.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (HI)

i opened a credit card online and received the card, a copy of their version of my credit report and an extra card for my partner on XX/XX/XXXX, XXXX i started using it right away in order to take advantage of their offer ( spend {$500.00} get {$200.00} rewards ). 
after they turned off my card without warning, i was totally embarrassed at XXXX for declined card. they closed my card and supposedly at some point they sent me a letter ( when? ) with a deadline of XX/XX/year> that i never received. 
they want me to pay back the entire balance and froze my {$210.00} rewards. 
one phone person did finally say sorry.
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC (TX)

An app that I regularly use to monitor credit score, XXXX XXXX had a notification that I had a great chance of obtaining personal loan to consolidate credit through Lending Point. I completed the applicaton and was given approval. I signed the contract with the loan agreement which provided the APR, finance charge, and amount financed. The website asked for my bank account information to set up for ACH deposit of the loan and withdrawal for monthly payments. The date of deposit for the loan was suppose to be XX/XX/XXXX. The day before the deposit was scheduled to arrive, I receive email from Lending Point stating they couldn't grant the loan. This company did a bait and switch. They collected all my personal information, banking information, employment, and credit report which had score over XXXX and misleading customers by providing fake agreement and not honoring it.
Consumer complaint received 2024-09-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC (NV)

As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture id a bill and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX  debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I am requesting that you block this information from my credit report within four business days, pursuant to section 605C of the FCRA, I have given you my license as well as information requested from the list of acceptable items which 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (NY)

I was approved for a HELOC through my credit union. When they did the title search it turned out that the original mortgage company XXXX XXXXXXXX XXXX who then sold my mortgage to New Rez, recorded my mortgage twice with XXXX XXXX New York. On my home title it lists the same mortgage XXXX so it appears that I have XXXX mortgages. One was recorded XX/XX/XXXX and one on XX/XX/XXXX. XXXX XXXX can not be reached at all. It is not possible to speak with anyone. New Rez holds my mortgage currently and no one will get on the phone. On XX/XX/XXXX I was told to send an email requesting a return call. No one has called. I am desperate to have this issue resolved. I am in the process of purchasing a new home and I am going to lose a large down payment. All I need is a letter stating that the second recording of my loan is satisfied its so simple but no one will put me through to anyone. Please help.
Consumer complaint received 2024-09-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION (MS)

I have a XXXX  XXXX XXXX that I purchased. On the paperwork my name isn't even correct they are reporting to my credit the wrong name. I was behind on the van 2 months and I was out of town because I work out of town. I was XXXX hours from where I live. They came and picked up the vehicle from the hotel when I was XXXX hours away and did not even send me a letter that I was late on my payment. They then would not release my vehicle even though I had the money to pay it and had paid it but I had to wait for it to be released. I had to cancel my schedule so therefore that one day, cost me XXXX I take school pictures for a living and I had to cancel because of them coming to take a van away from me that was literally 2 months behind and didn't give me any type of notice. Then they made me purchase insurance that cost me over XXXX for 1 month. It took me about 7 days to get my vehicle back in the meantime I had to rent a vehicle drive home and then back again when they decided they would release the vehicle. I then had the van another 2 months and they came and picked the van up again at my house this time. I filed bankrupt and the van was not suppose to be moved and they took the van all the way to XXXX XXXX which is over 6 hours from me and had all my personal possessions in the vehicle that I was not able to retrieve. They would not send my possiessions back to me and told me they were throwing them away. I now have looked at the only statements I can view and It said I owe them XXXX for a van they illegally moved from my state and cost me thousands of dollars which I have proof of. They added all types of charges on my account and I just feel as though I was done wrong and I should be paid back for the amount of money they cost me and for my personal belongings in the vehicle. I have also received a response from my previous complaint from them that is not accurate. They did not send me any letters telling me they were repossessing the vehicle or that the vehicle was being sold even aftter I filed bankrupt and I had a stay in place and they still moved the vehicle and sold it. I want to see proof that these letters were mailed to me, surely something this important would have been sent certified mailed.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

On XX/XX/XXXX, I received a notification from XXXX XXXX about a new collection on my consumer report for XXXX. MRS BPO LLC was reporting. I have never been in any financial relationship with them. This is fraud reporting on my consumer report. They did not have any information provided as well to contact. I have never been in any contact with this scammers.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Fidem Baltimore Holdings LLC (CA)

I have called Ignite Credit Card since XX/XX/year> to inquire about the extra interest charge monthly. One month the interest was only {$61.00} dollars and the next month it was $ XXXX. I called in to inquire and was told by a supervisor there have been issues since a software upgrade, and they are aware of it. The next month there were three interests charges again and I called. The issue was escalated, and I was told a supervisor would contact me by phone. No one called. I called again and to inquire about why the supervisor did not call? I was told someone would call, but in the meantime I received three interest charges. For example, XX/XX/year>, I called one interest charge was for cash advance ( {$65.00} ) and the other interest charge was for not paying the credit card amount in full ( {$61.00} ). I asked how, what is the title and calculation for the interest charge of ( {$57.00} )? I was referred to the cardholder agreement and someone would contact me within 2448 hours, which is why I called. Not only that, but I asked if there was a case number, and this time I was given one. ( # XXXX ). Then I was told a supervisor would call, and he did, but he informed me no one there has anything to do with how interest is being calculated and referred me to section three involving payment information of the card agreement. At this point, I decided to file a complaint to get answers.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

I was charged an enormous amount of interest of XXXX. Original loan XXXX was borrowed with 0 % interest for I was told 24 months. I had paid off more than half by the XX/XX/year> and on XX/XX/year> I was charged the XXXX, XXXX in interest. I called on XX/XX/year> when I realized my balance was so high! I asked to speak to a manager and the manager told me the interest was non-negotiable. I planned on paying the entire balance off, before the 0 % interest rate increased and mis-calculated the time the promotion ends. However, I still could not believe, even if the promotion ended, the unbelievable amount of over XXXX I was charged and all the money, I had paid and on time was immediately doubled, and I was starting all over to the virtually the original loan amount! I believe this violates the law on unfair and unreasonable interest charges. I should have been charged a fair interest amount. I also called on XX/XX/year> asking for my pay statements, because I never received any statements the entire XXXX years, nor could I view any statements online. I was told, there were XXXX addresses on my account and there may have been a mix up of why I did not receive any statements. The agent verified my address and told me I would be mailed the XXXX statement. I also, asked to have all my statements electronically from now on.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To Whom It May Concern, I hope this message finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on XXXX in Persons ( see attached Confirmation of Authorization ). This letter is to inform you that the XXXX XXXX XXXX has verified and determined XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX, as defined under 22 U.S.C. 7102 ( 12 ) in accordance with the qualifications for blocking adverse credit information according to 12 C.F.R. 1022.142 ( see attached rule ). XXXX XXXX XXXX is an organization dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX, including debt bondage. Our mission involves supporting and advocating for victims of XXXX XXXX, a severe violation of human rights and a modern-day form of XXXX. We aim to provide assistance to these individuals and work with various stakeholders to raise awareness and address this critical issue. In our work, we have come across a case where an individual 's credit report shows an outstanding debt, which we strongly believe is linked to debt bondage. The nature of this debt raises significant ethical and legal concerns, as it may involve coercive or fraudulent practices, resulting in an unfair financial burden on the individual. 

We request your assistance in blocking and deleting any accounts negatively impacting her credit profile. Thank you for your consideration. We look forward to collaborating with you on this important matter. Please feel free to contact me at any time. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp. (GA)

My credit report includes a fraud alert indicating that I am a victim of identity theft ( Exteded Fraud Alert under FCRA Section 605A ). Any applications in my name should be verified with me directly. Section 605A ( 15 U.S.C.1681i ) : Provides consumers the right to dispute information on their credit reports and mandates the credit bureau to investigate and correct or remove any inaccurate, incomplete, or unverifiable information. Section 605A ( 15 U.S.C.1681i ) : Entitles consumers to place a fraud alert on their credit reports and requires creditors to verify the identity of the consumer before extending credit
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

A collection was reported on my consumer reports which was done in error. A complaint was filed with CFPB and the debt collection agency stated that would delete credit reporting, to which this has not been done. the Collection agency has in fact updated reporting which affected my consumer score even more. I am asking that this collection be removed from my reports immediately, I have not spoken to or communicated with this company I have not received any certified correspondence from this company despite them saying I have.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (DE)

I was the victim of a pig butchering scam that occurred over many months ( mainly in XXXX ) and involved promises of returns on investments in gold and diamonds. I was scammed repeatedly. The funds that were stolen from me through fraud and misrepresentation via domestic wire transfers amounted to over {$260000.00} and were deposited in bank accounts at JPMorgan Chase Bank and XXXXXXXX XXXX XXXX XXXX At various time, I wired approximately {$240000.00} to a JPMorgan account, and {$25000.00} to an XXXX account. Both accounts turned out to be set up in the name of a person or entities that were apparently mules with names that were possibly ( probably ) not even real persons or companies. Based on information I have gathered, neither Chase nor XXXX did anything to vet their customers, negligently allowed the accounts to be used for criminal activity, failed to monitor the accounts as large amounts of money were wired into them ( especially Chase ), and failed to question activity that should have indicated that the accounts were set up fraudulently to enable criminal activity such as money laundering. By the time I discovered that the mule accounts were fraudulent, I was not able to recall any of the wires through my bank, XXXX XXXX, or to avail myself of any fraud remedy from XXXX, though my efforts to obtain some relief from XXXX resulted in approximately {$6000.00} being credited to my account after XXXX was not able to recall the fraudulent wires. I have had several exchanges with Chase, which has informed me that recalls of the wires were unsuccessful because the account to which the wires were sent is closed, and that I had no further recourse. I have had no contact whatsoever from XXXX. I can provide further documentation if needed. I filed a criminal complaint with the Delaware State Police, Complaint Number XXXX, on XXXX XXXX, XXXX. I also filed an IC3 report with the FBI ( XXXX XXXX, XXXX ), and reported the scam to the Federal Trade Commission ( XXXX XXXX, XXXX ).