davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has come to my attention, that XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX has transfer an account to XXXX XXXX XXXX XXXX XXXX after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$350.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j
Consumer complaint received 2024-10-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Acrisure Mortgage Partners, LLC (TN)

Our closing date for our new house was set for XX/XX/XXXX. We notified our lender of this change in XX/XX/XXXX. I made weekly calls and emails to the lender team to verify that they had all of the required documents before our closing date. They said they had everything that was needed. I called weekly to ensure there were no issues with our closing on XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX because I had not heard any updates from him, and we were set to close in less than XXXX hours. XXXX said they made a mistake and they saw our date as being XX/XX/XXXX, but he acknowledged that he knew it should have said XX/XX/XXXX. XXXX stated that their team forgot to submit the closing disclosure on the new home. My wife and I had several service providers scheduled for XX/XX/XXXX, which we will now have to move. We also are at risk of having to reschedule our movers less than XXXX hours before we close. I also requested that our utilities be hooked up on XX/XX/XXXX, which XXXX be a day before we close, now that we have this news. The team at JET is causing financial and emotional distress. This is unacceptable. Purchasing a new home is a big deal for young families, and JET has turned this into a nightmare. I would recommend that anyone avoid this lender at all costs. I would also recommend that XXXX XXXX 's homes find a new preferred lender. JET has horrible customer service and should not be anyone 's preferred lender.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (PA)

I have been having problems with Comenity bank. I can not get in contact or go online. When you call the one XXXX number it goes straight to automated Voice service. According to Comenity bank this was supposed to be in system update. We are now going on two weeks. This is very frustrating when you cant use your card or make a payment. Thank God I was not on vacation. Please help!
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> I was sent the amount of {$14000.00} from XXXX months of backpay with my job. They sent it through XXXX, which is how I usually get my payments. I then sent it from XXXX to my bank account because I needed to pay my rent along with my car payment are already back due and I have 10 days before my car is repossessed because Ive been waiting on XXXX months worth of payments for my job, but now Chase bank made me do XXXX verification calls because I was trying to send a wire for my car payment with the funds I transferred from XXXX after the verification called the second time she told me everything was good and to resend the wire once I did they marked it for fraud and immediately closed my account. I then went to the local branch where they continued to try and help me, but couldnt understand why my account was being closed because they need to verify the Funds, so XXXX is holding {$14000.00} of mine for 10 days to verify, and then they will be sending a check and immediately closing my account. I explained to them Im going through a hardship and really need this money. Otherwise I will lose my car and more than likely my house. They proceeded to tell me theres nothing they can do to help me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

On XX/XX/year>, I ordered a telephone from XXXX but cancelled the order on XX/XX/year>, with a customer service representative via telephone and was assured I would not be billed for service or the phone. The phone was never shipped to me and the order was cancelled. I received the {$58.00} I paid for the taxes back from XXXX appx 10 days ( on XX/XX/year> an email confirmed same ) later and never received any cell service ever from XXXX. 

In XX/XX/year> I received a bill via mail from XXXX for 30 days of cell service for {$77.00}. I contacted them and informed them I never had service. They agreed. Still, they continued to try to take money from my bank account which my bank rejected when I let them know it was fraud. 

On XX/XX/year> after more than XXXX calls to XXXX asking them to stop with the attempted billing from my accounts, XXXX sent me an email confirming I had no service and hence no money owed to XXXX. 

In XXXX, XXXX place a collection notice on my credit report. 

I submitted XXXX complaints to XXXX and each time XXXX 's XXXX XXXX IC systems ( I provided them with the email from XX/XX/XXXX ), who I have spoken to more than XXXX times and XXXX more than XXXX times have continued to show the bill as valid though they tell me on the phone they see the issue and it will be corrected and removed. 

This has hurt my credit score and my ability to attain housing, a job and my opportunity to increase my credit line. I am currently homeless as a result of this affecting my opportunities to rebuild my life after recovering from XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was absolutely stunned when I saw inaccurate accounts on my credit report this morning, and I have no clue how they got there. I check my report regularly, and today, out of nowhere, there were discrepancies. I even refreshed my browser, hoping it was some kind of glitch, but it wasnt. The incorrect accounts remained. Because of this, Im asking for the documents I submitted to be carefully reviewed so that I can finally stop worrying about this happening again.
Consumer complaint received 2023-07-13
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: Southwest Credit Systems, L.P. (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX CA XXXX XXXX day of XXXX, XXXX [ XXXX ] XXXX XXXX XXXX, XXXX, Illinois, XXXX, United States Subject : Dispute of Incorrect Information on My Credit Report Dear [ SOUTHWEST CREDIT SYSTEMS ], I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigating and rectifying these discrepancies to ensure the accuracy and integrity of my credit profile. 

The incorrect information is as follows : * [ SOUTHWEST CREDIT SYSTEMS, Submitted on XX/XX/XXXX ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing. 

As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report. 

I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me. 

Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
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: Bread Financial Holdings, Inc. (TX)

The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Debt Mediation, Inc. (FL)

Per case XXXX, you have not provided proof/copy of license or license number issued by The Florida Office Of Financial Regulations to collect debt in the state of Florida. I have also filed a complaint with them regarding this matter. Upon checking the XXXX  consumer website you only produce a license in the state of Connecticut, Indiana, Maryland, and Massachusetts. This case was also dismissed by the judge in the XXXX county court house. Please see all attachments including Cease and Desist.
Consumer complaint received 2024-10-31
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (KY)

I SENT IC SYSTEM A LETTER TO VALIDATE MY DEBT WITH MY INFORMATION SIGNATURE AND THE AMOUNT OWED AND TO WHOM. 
XXXX XXXX STATES OPENED. 
AMOUNT IS XXXX THEY REPORTED IT TO ALL CREDIT BUREAUS. 
I HAVE FAILED TO RECEIVE A RESPONSE.
Consumer complaint received 2024-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Giggle Finance Inc. (OR)

On XX/XX/XXXX, I signed an agreement with Giggle Finance to get an advance of {$1400.00}. I got a call from a representative of the company and I ended up asking him how much would I be paying back in total. I told him that the amount was just too much and it really wasnt worth it to me. So I told them I didnt want the money and I was told that they will not send me the {$1400.00}. And I was all cleared and I didnt have to pay any termination fees or any other fees. 

around XX/XX/XXXX, I was contacted by a Power of attorney ( XXXX XXXX, XXXX ) for Giggle finance. This power of attorney told me I have an outstanding balance of {$2100.00}. I let this Power of Attorney know that my situations I even went back to my back and printed out my bank records from XX/XX/XXXX and I NEVER received an advance from Giggle Finance. I was told to contact Giggle Finance. I emailed them and texted them but never received a response.
Consumer complaint received 2024-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: OCEANFIRST FINANCIAL CORP. (NJ)

A new company has taken over my mortage. They have requested an increase of over {$200.00} a month to take care of what they say is an escrow shortage. Have been faithfully paying off my mortgage for almost 25 years and have never seen an increase over {$20.00} a month let alone {$220.00} a month. I have emailed a request of a history of my escrow from whoever has taken over my mortgage from OceanFirst bank, have called OceanFirst bank. Have yet to receive any explanation in the two weeks since I stumbled on this change. I say stumbled on because I did not even get a mailing saying this change was occuring until XXXX XXXX. My mortgage is due XX/XX/XXXX.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I purchased a vehicle at a XXXX XXXX  and financed via XXXX XXXX. I authorized them to pull credit one time. They pulled it 3 times in a row and it is negatively effecting my credit. My report shows 3 inquiries all in the same day. I have reached out to the dealership multiple times and they continually say someone in the finance department will get back to me but nobody ever does. All I am asking is that they have this corrected to show only 1 pull of credit and remove the 2 duplicates.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and Experian to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX  to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX  accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (GA)

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. Original Contact was XX/XX/24 at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. Account in question : AMEX account number XXXX
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WV)

Hello, on XX/XX/XXXX, I was on XXXX XXXX. I was going to look and try to find a XXXX XXXX XXXX XXXX  for my phone for cellular data. I found someone selling a card for {$25.00}. She wanted to do the transaction on cashapp and I asked if I could have the code and enter it to my phone to see if it worked before I bought it. She didn't let me do that. I sent {$25.00} on cashapp, she sent the code and the code did not work. I voiced my suspicion that I was scammed and she did not reply. I contacted XXXX XXXX and they told me the card had never been activated at the store. This very likely means she stole it. When you buy a data card for a store, the cashier scans it to activate the card. This person walked out of the store without paying, and I am extremely sure that they have or are planning to scam more people with this exact same method. After contacting XXXX XXXX, I contacted cashapp. They told me they could not refund my money and just listed steps for " next time '' I should follow to be safe. They told me I should contact my bank or police. I told them I would likely file a police report and they gave me a report number. I called my bank, and they basically told me there wasn't any point to file a report because of the small chance they could do anything because the transfer happened through a third party app ( Cash App ). I felt extremely pressured to not press forward with this matter and did not file a claim to my bank, so I didn't. I also reported the messenger conversation with this scammer to XXXX and reported their account. This person refuses to answer any texts. Even weeks later and this has not been resolved and I am still scammed out of {$25.00}. All in all, I was scammed for XXXX dollars and even to this day I have not gotten my money back either through my bank and cashapp. I contacted XXXX XXXX cashapp, my bank ( XXXX XXXX  ), and XXXX.
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

Hello and Good Day, I reached out to ( Experian ) credit bureau through certified mail to dispute this matter which I am unaware of. I have also submitted a copy of my Fraud police report to them as well. When I realized this account was on my credit report I took action right away, since I didn't recognize it. I wanted them to verify through the physical verification of the original signed consumer contract under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) Which they are required by federal law to verify. 

The account is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$1400.00} They have not ( Experian ). Attached are copies of the 1st, 2nd and 3rd round of disputes letters that I have sent out as well as a copies of the fraud report ( I have sent 3 rounds of of dispute letters about this account and I'm not sure why they have not properly verified the account ). Each round of dispute letters were signed and notarized before being sent out, totaling 3 letters each round I sent a copy of the my fraud police report as well. Because of this grave error it has cost me dearly with trying to buy a home as well as my job. The reporting agency ( Experian ) has not done their job under the Fair Credit Report act ( they have responded saying it was verified either by a data agency or data furnisher which is against federal law, they are not following the FCRA, I have not seen the original consumer contract ). Please let me know. Thank you for your time in this matter. 

( Attached are a copy of 3 rounds of dispute letters, a copy of all 3 three certified mail tickets and a copy of my police fraud report ) kind Regards, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

Falsely and inaccurately reporting on my credit report. 

I have no knowledge of this account. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.