davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (TX)

Ordered new Drivers License in XXXX. Didnt receive in mail. Have screenshots of XXXX XXXX posts where many in community are reporting mail theft and mailbox break ins in the general area. Screenshots include an existing case number. Ordered 2nd DL from XXXX in XXXX, I have email communications, and received 2nd DL in XXXX. 

Received multiple pieces of mail XX/XX/XXXX advising of fraudulent use of my DL and identity. Have already frozen credit bureaus and placed fraud alerts to prevent/stop future applications. In the process of reviewing credit reports to continue disputing all fraud/ID theft. Also filed report/complaint with the Federal Trade Commission XXXX FTC ) While reviewing credit reports found the following ID theft/fraud events - XX/XX/XXXX Fraudster tried to apply for employment at XXXX XXXX XXXX on XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX 
- XX/XX/XXXX Fraudster used DL/identity online for pre approval of an auto loan via capital one on. I contacted XXXX XX/XX/XXXX and application reported as fraudulent and closed. 
- XX/XX/XXXX fraudster applied for CC at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX presented DL and received real time approval. Made fraud purchases totaling XXXX. I reported fraudulent application/account on XX/XX/XXXX - XX/XX/XXXX Fraudster applied in person at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX beside the XXXX # XXXX at XXXX CT and was declined. I reported fraudulent application/account on XX/XX/XXXX - XX/XX/XXXX Fraudster attempted in person application at XXXX XXXX and was denied. I reported fraudulent application/account on XX/XX/XXXX Have called all known unauthorized creditors at this time and have reported accounts as fraudulent and related to ID theft. Each creditor has advised they are starting their own fraud review processes and are reporting the fraud to the Credit Reporting Bureaus to remove from credit history.

Called to get it closed out and reported as fraud. Account never closed and the fraud report was closed out due to it being opened in person. 

I told the person I originally reported it to that it was done in person with a stolen ID. 

Now I have collections calling because theres a balance. The person even made a payment but they will not provide me any info about the number it was called in on and the bank that wired the money. 


I will not touch the account because I do not know if the account used to pay the balance on the card is a stolen account. 

Opened up police report The detective also contacted the XXXX XXXX # XXXX and was able to get the footage of the person who opened the account and we have confirmed it is no one we know and not me. 

The detective that is currently working the case was able to pull the photos and we have confirmed that it was not me. 

XXXX XXXX financial crimes unit - Case : XXXX Financial crimes detective number- ( XXXX ) XXXX
Consumer complaint received 2024-08-17
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (CA)

Paid off loan entirely on XXXX XXXX XXXX with SLS servicing loans. 
XX/XX/scrub>XXXX XXXX  shows a negative balance of $ XXXX. 

XX/XX/scrub>XXXX XXXX SLS servicing loans transitioned to Shellpoint Mortgage Servicing. 
XX/XX/scrub>XXXX XXXX  shows a negative balance of $ XXXX. 

XX/XX/XXXXXXXX XXXX  called Shellpoint help phone number requesting to close account. Balance has been paid and has a negative balance. 
Representative said to close account I need to contact this email. XXXX I sent email to close account with my signature. Waited 1 week and called about status. 
I was then told to upload document to Shellpoint website with signature to close account. 
XX/XX/XXXX uploaded second letter with signature to close account. 

XX/XX/XXXX called Shellpoint help phone number to request status update to close account. 
Representative said it will take XXXX days to update account. 

Received letter in mail on XX/XX/XXXX and XX/XX/XXXX. Both letters in mail said a separate company is responsible for my loan. The other company is called XXXX XXXX XXXX XXXX XXXX XXXX  Shellpoint has NOT given me a contact number or email for this company. I dont even know who or what this company has to do with my loan from SLS and Shellpoint. 

I cant get this loan account closed no matter what steps I take to comply with Shellpoint company. Need assistance to close account.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I received an alert that someone had used my card at XXXX XXXX in XX/XX/XXXX, charging {$840.00} and this was flagged as potential fraud. I was in XXXX at the time and have never shopped at XXXX XXXX. I checked to make sure I still had the card in my possession and, upon receiving this alert, I immediately called Chase to report this charge as fraudulent and request a new card. 

On XX/XX/XXXX, I received a call from Chase stating that, through their investigation, they ruled that the physical card was used for this purchase and no fraud occurred and I would be rebilled for this fraudulent purchase within the next 1-2 billing cycles. On the evening of XX/XX/XXXX after receiving this call, I submitted additional documentation to their Fraud department that I was in XXXX at the time of the fraudulent purchase including flight itineraries, rental car receipts, and hotel receipts. It would have been impossible for me to make this purchase with my card. 

I am submitting this request because I did not make this charge, have proof that I was not in the state at the time of the purchase, and am concerned that Chase is not doing their due diligence with this case.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthrizes accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

I ran my credit report and was surprised to see a wrongful collection opened for my account that left a derogatory mark on my account. 

The original creditor is XXXX XXXX XXXX XXXX XXXXs and the Debt Collection Agency is National Credit Systems.

I have NEVER been notified/contacted of an outstanding debt or balance from either company, nor was I ever under the impression that I had an outstanding balance owed to the company. I never was a resident at the XXXX XXXX XXXX XXXX Apts, never signed a leasing agreement and never occupied a unit there. I never received an outstanding bill. 

Again, this derogatory mark on my credit report was a suprise, as I never received communication from anyone regarding this attempt to collect any outstanding balance. The collection was reported to the credit bureau without my knowledge and I was not aware of any amount of balance owed. This is a wrongful collection and violates the FCRA and FDCPA
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX ID number : XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report : Account Number : XXXX BB AND T I'm the victim of identity theft and I don't recognize one or more of the accounts on my report. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (TX)

In accordance with the Fair Credit Reporting Act this creditor JP Morgan Chase has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: Early Warning Services, LLC (IL)

XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX  : XXXX  XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-27
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: Affirm Holdings, Inc (PA)

On XX/XX/XXXX of 2023 I took a loan through Affirm in the amount of {$330.00}. I had my XXXX  checking account set up for auto pay, with the correct account numbers for it to be taken out every month successfully. I have zero problem paying this full amount back along with interest. I spoke with my bank, the credit bureau, and Affirm 's customer service about this issue multiple times. Nobody has led me in the right direction. When I called Affirm regarding this loan repayment, I asked them why the funds were not taken out of my account. They told me over the phone that my bank checking account was closed, or I didn't have the correct checking account aligned with auto pay which is false.I have verified with XXXX that my checking account was in fact open and had available funds to pay off this loan for the months of XXXX, XXXX, XXXX, and XXXX of 2023 which I will provide below. There should be no reason this should be reported as a late payment on my credit report, as this seems like an error on Affirm 's end. They are unwilling to assist me as they charged off my loan in XXXX and sent it to a collection agency under the name of XXXX XXXX. I never received notice of late payments otherwise this would've never came down to this. I just want to settle this late payment and possibly have the ability to get the late payment reversed if possible. I'll set up a payment or pay the amount in full. I plan on moving out and my XXXX XXXX has dropped dramatically due to this late payment. I'm only XXXX XXXX XXXX and I can't get approved for anything with a XXXX XXXX in the XXXX. Please help me with this dispute I don't know what else to do in my favor to reverse this late payment
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (NY)

XXXX XXXX XXXX XXXX SS # XXXX XXXX MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TODAYS DATE XXXX Dear, CKS PRIME INVESTMENTS I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNT NAME : CKS PRIME INVESTMENTS Account numberXXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXXXXXX XXXX, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own this alleged debt and that it is accurate and complete SINCERELY
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX XXXX NortXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> COMENITYCAPITAL/CHLDPLCE XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Dispute of Charge-Off on Credit Report To Whom It May Concern : I am writing to dispute inaccurate information that appears on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B. This inaccurate information relates to a charge-off listed under the account number 4781 The details of the charge-off, as reported, are inaccurate. 

Under the FCRA, I am requesting that you investigate this matter and either correct the inaccuracy or remove the charge-off from my credit report. Please send me a written confirmation once this error has been rectified. 

Thank you for your prompt attention to this matter. I look forward to hearing from you within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

I was charged XXXX dollars for a phone call that was not in office with the dashboard hearing in time to manage the call and lost connection with the bank someone was identity theft of my account. I asked to reschedule the hearing and my account was mandated yo pay {$50.00}.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (GA)

Loan was transferred from previous servicer, Specialized Loan Servicing to the current servicer, ShellPoint, aka Newrez. As advised by Shellpoint/Newrez I changed the address of my eletronic payment and am current on all payments as documented bymy bank. 
Shellpoint has sent email and USPS letters and advisories stating that my account is past due and has failed to correct this issue despite having been furnished with proof of all payments. 
After several months of this, I made my final attempt to contact Shellpoint last week, giving them until Monday, XX/XX/XXXX to contact me back with an explanation of their service failure and advising me what more I could provide to help them. I have received email and USPS correspondence stating that my payment has not been received and my account is past due.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I have made XXXX phone calls to USAA regarding my hotel reservation through the credit card. XXXX representatives cut me off and transferred me without confirming anything. XXXX disconnected me. I cant get to a person that can speak to me specifically about the reservation. The website kicks me out. I want to speak to a person. The automatic queue keeps repeating itself over and over. No one will help. They are passing the buck. Someone else just passed me along. I have spoken to SEVEN people!,
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Porsche Financial Services, Inc. (CO)

I have received a letter from Porsche Financial Services claiming they have a contract with my for a promissory note associated with a XXXX XXXX XXXX XXXX  VIN XXXX XXXX I have possessed this vehicle since XX/XX/XXXX but I believe the company is mistaken about any claims they have regarding a contract. They are even going so far as to file motions against me in a court of law claiming their right to collect payments or repossess my property without my consent. I am seeking proof of this contract so that I might respond appropriately. 
Answering these XXXX questions should be sufficient to helping me determine if an enforceable contract, that is a contract that documents exchange between XXXX parties, was executed between myself and Porsche Financial Services 1. Porsche Financial Services alleges that they provided me with a certain amount of bank credit as the consideration they provided to secure the contract. I require a full description of this bank credit. The amount they list is {$94000.00} Federal Reserve Notes. 

2. Where did these credits/notes come from? Provide evidence. 

3. What in reality do these credits/notes represent? credits/notes of what? A measurement of gold? An amount of silver? Provide evidence. 

4. Did Porsche Financial Services possess the assets represented by these credits/noted prior to the alleged exchange? Provide evidence. 

5. Were the assets represented by these credits acquired by lawful means? Provide evidence. 

6. If Porsche Financial Services can not provide sufficient lawful answers to these questions pertaining to these bank credits, how is there any proof of consideration made by them? Provide reasoning that is faithful to all mens rights of equal protection under the law without any special privileges. 

7. If there is no proof of consideration, how is there any proof of an exchange between myself and Porsche Financial Services? 

8. If there is no proof of exchange, how is there a contract between myself and the company? 

9. If there is no proof of a contract, doesnt it follow that any claims or entitlements granted by this non-existent and illegitimate contract should be dismissed by law? 

In order for a contract to be valid, there has to be proof that something real was exchanged between XXXX parties. Please provide evidence that demonstrates the nature of bank credit and that this asset existed prior to the contract being signed. Provide evidence that bank credit is not more than fabricated journal entries and represents real assets that can be used as consideration in a contract. If such evidence can not be provided, by law, I request that this company drop all claims of breach of contract against me or prepare to face either the full penalty of the law or the consequences of violating an individuals right to property ( ie his unquestionable right to self-defense )