davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (SC)

This company has violated my right to privacy and has unlawfully reported inaccurate information to the credit reporting agencies. When a creditor forgives or writes off a debt of {$600.00} or more, they are required to report this amount to the IRS using Form 1099-C ( Cancellation of Debt ), and they must also provide a copy of this form to the debtor. The debtor is then required to include this amount as income when filing their tax return. In which I have not received a copy of.

26 U.S.C. 61 ( a ) : This section defines " gross income '' as " all income from whatever source derived, '' which includes income from the discharge of indebtedness ( i.e., when a debt is forgiven or canceled. Income can not be reported on a credit report.

o Section 602 ( a ) of the FCRA ( 15 U.S.C. 1681 ) prohibits furnishing inaccurate information to consumer reporting agencies o Section 604 ( a ) of the FCRA ( 15 U.S.C. 1681b ) states that a consumer reporting agency can not furnish information about an account without the consumers written instructions o According to 15 U.S.C. 1692c, a debt collector may not communicate with any person other than the consumer ( or their attorney ) regarding a debt without prior consent from the consumer or express permission from a court o Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing within 30 days of the initial communication, the debt collector must cease all collection activities until they obtain verification of the debt and provide it to the consumer.

This company refuses to validate any information requested. I recently reported this company they responded informing me that they sold my information to another company. Therefore I am demanding that Immediate Deletion of this account from all consumer reporting agencies and the Cessation of Any Negative Reporting related to this account, including the removal of any adverse information that has been reported.
Consumer complaint received 2024-08-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

My minimum amount due was the same as the balance on the card which was {$26.00} on my Victoria Secret credit card. I paid the bill on XX/XX/year>, it was due on XX/XX/year>. I believed I was paying the full amount. I clicked pay full amount, but they show that I paid {$24.00}. In order to do that, I would have had to select Other as my payment choice and enter {$24.00}, which was {$2.00} less than the minimum payment/full balance. While it is possible that I made that error, it seems unlikely, why would I intentionally short pay {$2.00}? 

I received a bill this month for {$30.00} which surprised me because I felt I paid in full. They charged me {$2.00} interest on the {$2.00} balance as well as a late fee of {$26.00} which was equal to the minimum payment due... all over a {$2.00} error. 

I called thinking it was no big deal and they would waive it, but no. It seems extrememly excessive to charge {$26.00} over a {$2.00} balance. I called and emailed the company and they replied that since I short paid, it was less than the minimum and they can charge that fee. I asked them how they came up with the amount and they have not answered. 

If I made a mistake and short paid, I'll accept that, but my complaint is that the late fee is excessive and upon a little bit of googling, it seems that credit cards can't charge more than {$8.00} as a late fee now.
Consumer complaint received 2024-08-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WA)

Synchrony Bank issued a credit account through XXXX XXXX which was supposed to be a XXXX % interest account for XXXX months. XXXX months ago they started charging a $ XXXX month paper statement fee and a {$2.00} minimum interest fee. I did not receive or acknoledge that these fees would be added and my auto payment from my bank was not adjusted. I was then hit with a {$30.00} late fee because these extra charges were not seen and therefore not paid. I called and tried to get these fees removed and they credited my account for the {$30.00} but told me I still have to pay it. They also would not remove the {$1.00} and {$2.00} fees. I spent over an hour trying to figure out online how to stop paper statements. This was not easy and not obvious on how to do it. Synchrony is currently under litigation for these fees and are still charging them.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (NV)

On the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> calls from JP Morgan Chase were made to me everyday at XXXX. 

On XXXX XXXX XXXXXX/XX/year> I asked the caller from JP Morgan Chase to stop calling me and they replied with accusing of me of being irresponsible and ignorant and that we wouldnt be in this situation if the previous mentioned wasnt true. 

Please assist with this caller and their harassment towards me. 

Thank you in advance. 

Best, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MI)

Third time requesting. 

My XXXX is well outside 80 % since house prices have gone up and improvements made.

I have no 30 day lates in the past 12 months and no 60 day lates in the last 24 months. 

I need an Approved List of Companies to complete an official appraisal.

Unofficial appraisals right now have the house value at {$500000.00} to over {$600000.00}.

This defeats PMI, I am within the HPA requirements.

I need the instructions to remove PMI, a list of companies to use to purchase an official appraisal. NewRez/Shellpoint has not supplied this information.

I have not been 30 days late in the past 12 months. I was not considered " late '' when refinancing via the Federal Govt. 2 years ago. 

Please supply this information - 3rd time requesting.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

XX/XX/year> - I sent notarized letters to XXXX about a collection that was placed on my credit report. I sent them a police report showing that my social security card, several credit cards and my drivers license were stolen from my home. These items were used to open several loan accounts in my name, my XXXX card was used to make purchases that I did not approve of. 
XX/XX/year> - The company replied via mail saying that they could not remove the debt from my credit report- though I am a victim of theft and identity theft. I requested that they send me copies of all purchases made with the card along with signatures as well. I have yet to get a response from them.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (AL)

I have multiple complaints against Sunrise Credit Services , Inc . 
The first violation is that I never received the initial demand letter from the company to explain my rights under the FDCPA. They claimed that they emailed this to me within the 5 days of first phone contact but there have been court rulings stating that this is not a reliable method of delivery for initial demand letters. 
The second violation was reaching out to my phone after i specifically asked the collector to limit all communication to writing unless I prompted the contact. A week after I requested this I received a phone call from the company and when a rep answered the phone they hung up immediately. 
The third violation is of the TCPA. I never gave express consent to be contacted by an automated dialer and both times that the company reached out to me they did so by using an automated dialer.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (MI)

Affirm was responded to regarding what they requested in regards to me calling them to verify my identity on, XXXX XXXX at XXXX. The representative has advised an escalation to their team for investigation of the charge off accounts will be reviewed with the conversation on this day and the CFPB complaint submitted on, XX/XX/year> will be attached to the escalation. I requested that it be notated to the account that Affirm has not done their due diligence in over 6 months when properly accessing and investigating this account. Affirm alleges they loaned me money and that is a lie. As indicated I provided the equity in the transaction when I signed the promissory note, Affirm has no superior claim as they provided no equity in this transaction. Affirm Has yet to provide a copy of the 1099c ( copyB ) that they must provide to the IRS for proper and accurate book-keeping for accounting purposes and their compliance with the Securities Exchange Commission XXXX which would be provided to myself as proof that this loan has been charged off and used to be reported as income. All information that Affirm has alleged is false, even if the 1099c was to be provided to myself it is still false as indicated there was never any loan. I provided the equity therefore I have superior claim. Proper investigation is to be conducted for the lies alleged by Affirm and correct reporting to the credit file and any errors shall be fixed according to 15 U.S.Code 1692. Affirm is in violation of inaccurate reporting of accounts to the consumer credit file and Securities Fraud within the Securities Exchange Commission. I am also requesting all Federal Reserve Notes that I provided to Affirm are returned to myself for Affirm false and misleading and fraudulent activity. It is of truth that Affirm has never loaned me any money. Affirm/ Bank does not loan money. Affirm has fabricated and created a false loan receiving assets from the Promissory note, then creating a false reality that I owed them.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

According to The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Inaccurate information, including false death reports, must be corrected or deleted. 

I applied for a XXXX XXXX account on XX/XX/year>. I was informed to contact them. Upon contacting them I had to unfreeze my credit report. After I temporarily removed the freeze, I received an email saying that I wasnt approved for the account because based on their internal information and information from XXXX a consumer reporting agency, they believe that the Social Security number used for this application belongs to a deceased individual. This statement is not true!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Fraudulent Charge-Off/Collection please remove XXXX XXXX XXXX Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, XXXX, Equifax, XXXX I am writing to inform you that the account referenced above, which is listed on my credit report as a charge-off/collection, was opened or incurred fraudulently as part of identity theft. I did not open or authorize this account, nor am I responsible for any related charges. 15USC CODE 1681 As a victim of identity theft, I am requesting that this fraudulent account be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft and Assumption Deterrence Act, I demand that the account be fully deleted from my records with your agency, as well as from my credit reports with the three major credit bureaus ( Equifax, XXXX, and XXXX ). 

To support my claim, I am enclosing the following documents : Police Report/FTC Identity Theft Report A copy of the police report or FTC Identity Theft Report filed regarding the identity theft. 
Proof of Identity** : A copy of my driver 's license, passport, or other government-issued ID to verify my identity. 
Proof of Address A utility bill, lease agreement, or bank statement showing my current address. 

Please respond to this request within 30 days, as required by law, confirming the removal of this fraudulent account. If you need additional information to complete your investigation, do not hesitate to contact me. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-03
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. (MS)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-02
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. (SC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

n 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.

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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm contacting you about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or consent, causing substantial distress. As an identity theft victim, I've promptly reported this incident. This issue demands immediate attention due to its adverse effects on my financial standing and reputation. I request your help in quickly removing all fraudulent data from my credit report and conducting an in-depth investigation. I'm ready to provide any required evidence and, if necessary, take legal steps to defend my rights and seek proper compensation. Your swift response to this critical matter is greatly appreciated.
Consumer complaint received 2024-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

My Personal Sworn Statement & Declaration : 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. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 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 that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I deposited a check on XXXX. The check is from the state treasury and I know the check would clear. I received an email stating to call them to verify my account activity. I called on XXXX and was told my account was being closed. On XXXX I received an email that my account was restricted and I would receive the money in my account in 10 business days either via check or via transfer to an external account if one was linked. Its now been 13 business days and they are still holding my funds XXXX.
Consumer complaint received 2024-07-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA (VA)

The student loans that are listed on my credit report for MOHELA are reporting missed payments. I have asked the creditor to update the late payments they placed on my credit report and to provide me with, factual documentation that showed I was late. The Creditor, have yet to respond to my request in a timely manner which I mailed a certified letter to them on XX/XX/year>. MOHELA never answered my dispute or provide me with the factual documentation. You ( MOHELA ) are in violation of my consumer rights according to Code 15 U.S 1681a2 ( A ) ( i ) -the Definitions ; rules of construction clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; now the term person defined by Congress means An individual. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So therefore, a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER and CREDITOR. 

There is also a discrepancy among all XXXX credit bureaus which is a violation of my consumer rights. XXXX, XXXX and XXXX all show different late payment dates. All credit reports must match exactly, if not, then you are in violation. According to 15 U.S.C. 1681e " ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a XXXX party.