davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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. (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear CB/NY & CO , I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to Hope Mills, North Carolina XXXX 

It has unequivocally come to my attention that CB/NY & CO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and
75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore, North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CB/NY & CO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CB/NY & CO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (PA)

I bought a rental property early XXXX. I obtained title insurance and the search showed a clear title at closing. Months later I received a letter from a debt collector which said back taxes were owed from years prior to me purchasing the property and totaling around {$100.00}. I disputed the claim and told the company I had title insurance which would cover the amount if it proved to be correct. I also alerted my title company. 
Amerihome Mortgage Company sent me a letter shortly thereafter telling me I owed taxes on the property and they would be paying them if I didnt. I do not escrow taxes with XXXX. I called and explained the situation and they added this information to the notes on my account in XX/XX/XXXX. I told them they should not pay the taxes because if they were owed my title company would be paying them. Around XX/XX/XXXX I paid my yearly property taxes through the Philadelphia online system. The taxes were due on XX/XX/XXXX so I paid early. Around the time I made the tax payment I received an email from XXXX which said a tax payment had been made on my behalf. I called XXXX and they informed me that not only had they paid the {$100.00} being disputed they had paid the XXXX property taxes which were {$2900.00} and not yet due. They told me my taxes were past due. I told them the taxes were not due until the end of the month. This has become a huge ordeal. I had to provide proof that I paid my taxes but they still raised my mortgage payment more than {$500.00} a month ( which I cant afford to pay because I paid the taxes myself already ). When they raised my payment my credit score went down because it showed my debt increased by that tax amount. I have called countless times. I often get disconnected and have to call back. I probably spend about an hour each time I call between long holds and having to call back when I am disconnected. When I do speak to someone they just tell me the ticket will be resolved soon and then the escrow will be removed. One person put notes in the account to allow me to short pay my mortgage but it required calling the customer service line which is not a convenient way to make a payment. That worked the first month but the second month I called and explained there were notes on my account allowing me to short pay and they had no idea what I was talking about and I had to ask for a supervisor. Once connected to the supervisor I again explained the situation and she said she was working on submitting a ticket for the issue and then she disconnected me. I had to call back again to make my payment and that person also had difficulty understanding what I needed but was finally able to take the payment. 
This is a terrible situation to be in and extremely stressful. It has been FOUR months and they still havent corrected THEIR mistake. I dont know how a company can get away with affecting a customers credit and charging them more money for a mistake they made.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I was onXX/XX/XXXX for basketball everything paid for I didnt take out no loan for books school supplies nothing I did and got all my info studying online and I finished the school and didnt fail no class when I finished they still charged my XXXX on my credit report that I dont owe and its messing up my credit score and not being able to get funding for my business and llc
Consumer complaint received 2024-06-18
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. (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear CB/VICSCRT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to XXXX XXXX, North Carolina .

It has unequivocally come to my attention that CB/VICSCRT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and 75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore, North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CB/VICSCRT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CB/VICSCRT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CB/VICSCRT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (AZ)

We paid off the home mortgage in XX/XX/year>. NewRez sent us the title to our home in an inconspicuous envelope that we nearly threw away before opening. We understand that mortgage companies by law must refund escrow within 20 business days. We never received the check they said they mailed, probably because the envelope was inconspicuous. We never received it. When we called them they said they would stop payment on the check, then asked us for our checking account information so they could transfer the escrow. That never happened. But, the amount they said they owed us was incorrect by {$540.00}, i.e., they claimed the amount was {$1600.00}, but it is {$2200.00}. 

Because of this situation, we were delinquent in making a property tax installment. They could have at least made the payment since they withheld the escrow. 

Every time I called to discuss the situation their automated answering could never identify me by loan #, telephone #, or last 4 digits of my SS #. The last time I spoke to a representative they listened, said they'd help clear the situation up, then placed me on hold indefinitely. This happened 2 times one day and 3 times the next.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

This was paid and settled in XX/XX/year>, I spoke with a representative on the phone along with my real estate agent to ensure this would be paid and deleted off my credit report. They assured me that it would and sent me an email stating this. The debt has been paid for over a year and yet it still remains only on my XXXX credit report. Please have them remove this, I am trying to purchase a home, this is rendering my availability.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

I issued a check for {$9100.00} to an associate of mine. From my chime account. They were having problems cashing the check so I spoke with Chime. They said to have the check be returned and canceled and the money would go back to my account. I did that. The funds were returned to My account and then immediately after they closed my account. Then they said my account is not eligible for a refund, or to receive the money back.
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bernhardt and Strawser, P.A. (NC)

Violation of the below 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 )
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TN)

Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that your claim is disputed and validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my wet signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations in [ Your State ] has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Proof that you are licensed to collect in my state. 
Your license numbers and Registered Agent or Agent of Service.

Additionally, in accordance with 31 U.S. Code 3123 and 18 U.S. Code XXXX, I request verification that this debt falls under the category of an " obligation or other security of the United States. '' These statutes define the terms and conditions under which a debt is considered an enforceable obligation. Compliance with these statutes is necessary to validate your claim. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ) to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
If you are unable to validate the debt, I request that the account be deleted from my consumer report immediately. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MS)

Despite multiple requests, I have not yet received valid information proving that this debt belongs to me.For three months I have been asking NATIONAL CREDIT SYSTEM the Proof of Ownership : Detailed documentation that proves the debt belongs to me. 
Account Statements : Copies of the account statements from the original creditor. 
Detailed Breakdown : An itemized statement of the amount owed, including any interest or fees added. I have not received a response with this information.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Apparently someone used the account in XXXX and they charged me, which I tried to fix with the card bank and they didn't accept. The account was settled at 3 ( Collection ) but the original owner refuses to update the credit report as if the account was settled.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MA)

On XX/XX/XXXX and XX/XX/XXXX, there were two fraudulent transactions made in my account. One of {$150.00} and one of {$900.00} to make a total of {$1000.00}. 

On XX/XX/XXXX I filed a dispute about the charges with Chime since I used Chimes pay anyone feature and the money was sent to another person with a Chime account. Chime mentioned that they were going to give a temporary credit within 10 days and then take 45 days to investigate to see if I get to keep the money or not. But my dispute was denied the next day. 

Chime also refused to attempt to do a chargeback to my account when I asked them to on XX/XX/XXXX. They said that I needed the account number and SSN to do a chargeback. They also refused to reopen my investigation and I have not received my funds. The customer service was very unhelpful, and hard to understand. I was also hung up on after they said they were unable to help me and it was very unprofessional. I have not received the XXXX dollars, and the customer service was hard to understand. They clearly do not honor the consumer protections that they say including the Zero Liability policy. 

On XX/XX/XXXX I sent an email to XXXXXXXX XXXX, and they received my complaint about Chime, and I believe that they are looking into it. I have also sent an email to XXXXXXXX XXXX which is also connected to Chime to give them the info of my complaint as well to see if they will look into it as well.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.