davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (CA)

I have provided all necessary documents at least 3-4 times this year and 1 last year. I have had to make 3 different accounts at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they have blocked all access to all 3 accounts after I sent in the required information all 3 times. In this case it is a form of retaliation and I ask that this matter be looked into.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (NY)

I required this home in 2015. I sent will, deed, and death certificate. This went on and on, when I would call they would tell me I could not get any information. They didn't receive any information. Again I sent it, I was in bankruptcy, my attorney sent all paperwork will, deed, death certificate, still same process. Then they wanted to see if I was current on my taxes, sent that. I asked for a payment amount, they say I could't. I have sent certified letters, nothing. They tell me I need to pay {$3500.00} But I never received a payment plan. I call and they said that to send a hardship letter, got sent back stating that was not what they needed. 
I have been doing this for years. 
My brother told me to acquire a lawyer, I have thought about filing a complaint. 

Now I get an email saying to contact them I have 48 hours, or they were going to foreclosure This is the worst company to do business, all other debts from XXXX XXXX worked with me to pay. 
My attorney tried to make contact and still nothing. 
I was reading that they have several complaints.

When I file with different companies, they say that Specialized Loan is not easy. 

Should I try to make a complaint, I did before, they never contacted me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailing address is XXXX XXXX XXXX XXXX, NY XXXX XXXX telephone number
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

They allowed these people to take over my My screen walk me through stuff because I thought that they were a chime agent then they drained my account and hung up. They got all my info I caught on to it within min I called chime and they aye not doing mouthing haven't even reached out to this thievery person. They are intercepting calls.
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC (TX)

Opploans ( the creditor ) is reporting incorrect information on my credit report which is negatively impacting my credit score. Opploans had my account as a charge off since XX/XX/2023 but yet hasnt send me a 1099c, due to this, this is misusing because the IRS describes a charge off as ordinary income which is incorrect in this instant and is violation of code 15usc 1681eb
Consumer complaint received 2024-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

I went thru a XXXX XXXX  toll booth at the XXXX XXXX on XX/XX/23 and was overcharged for a toll of {$22.00} ( plus fees ) total {$120.00} this was on a regular passenger vehicle with XXXX axle and i was charged like it was a truck with multiple axles, which the toll should be {$10.00}. This is egregious as i attempted to dispute this, and the XXXX XXXX stated that they will investigate this, however sent it to collections instead.
Consumer complaint received 2024-06-22
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-22
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. (SC)

I tried to fix this issue for several times and send my first dispute letter last XX/XX/XXXX but I never received any response from the 3 credit bureaus. I demand to delete this negative accounts and inaccurate inquiries listed below. I also attached my ID and copy of my current address to proof that I'm the one who send out my dispute letter not a 3rd party. Also I attach my dispute letters and FTC Report for proof. Thank you Please delete this items now! 

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 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA XXXX. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (GA)

Navient Solutions , LLC, a third party servicer, has been sending my private information to credit reporting agencies about student loans for more than a decade on individual and co-signed loans. As a third party servicer, they had no expressed permission to do so, and release all of my identifiable information ( SSN, DOB, name address ) to XXXX, XXXX, XXXX, and XXXX especially since XXXX had a major security breach that I was involved in. They have never made it clear by whose authority they believe they have the right to release this information. 

I have called and complained to customer service that they are not suppose to release private information to credit agencies pursuant to FERPA and teh Privacy ACt of 1974. My requests have been ignored. However, I have discovered that Navient has a history of doing this to consumers, which has resulted in legal action in the past by others.

There actions have damaged my credit score rating and hindered my ability to conduct business and access other forms of credit.
Consumer complaint received 2023-12-26
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. (OH)

Requested a consumer report XXXX on XX/XX/23 when received and looking for inaccuracies this company is sharing my information incorrectly with other companies. According to 15 USC 6802 ( a ) ( b ) - obligations with respect to disclosures of personal information. You are prohibited from disclosing my personal information to any third party without my consent. I did not give my permission to disclose my personal information. The following information is inaccurate and needs to be removed from my teletrack consumer report ; Names Reported : XXXX XXXX, XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, Phone # XXXX. AS NONE OF THIS INFORMATION IS ASSOCIATED WITH MYSELF AND IS ACCURATE WITH MY DL AND SS #. 
All Hard inquiries On my consumer report are also were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof Is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. Furthermore, in accordance with The Fair Credit Reporting act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

I request the following information to be sent to me via mail with all HARD DOCUMENTS to show how it was verified : iF IT CAN NOT BE VERIFIED IT NEEDS TO BE DELETED FROM MY TELETRACK CONSUMER REPORT.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX at around XXXX CST, I purchased XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX dog treats for my foster dog, from XXXX XXXX XXXX in XXXX  TX. The total for the purchase, including tax, was {$43.00}. 
On XX/XX/XXXX, I checked the balance on my credit card to see what I owed and to verify when my payment was due. I noticed my balance was very high so I scrolled to see my charges and that's when I saw that the XXXX XXXX XXXX charged me {$430.00} for my purchase. I called the credit card company immediately and filed a fruad/dispute. I have contacted via online and on the phone several times asking about the dispute/fraud charge and they never give me an answer. 
This particular credit card does not give any options to enroll in text/email notices about charges, legitimate or fraud. This credit card does not give any way to keep track of the dispute, nor do they keep in touch with you regarding fraud/disputed cases. I have asked them to go through my spending habits on the card and see that # 1 I have never bought from a XXXX shop before and # 2 I do not make purchases as large as {$430.00} in one store.
Consumer complaint received 2024-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (GA)

You are now put on notice again to stop all collection activities and reporting. I am revoking that now. 
My demands are as follows : For account XXXX XXXXXXXX To provide me with the XXXX XXXX which included XXXX. Account XXXX XXXX. XXXX XXXX. All accounting documents XXXX. All transactional history XXXX. True Invoice- Not Statements Please be sure to provide everything demanded in this notice. If you are unable to provide the demanded information you must delete these accounts immediately. If you fail to communicate to the consumer reporting agencies that this debt is in dispute, that would be a violation according to XXXX XXXX ( XXXX ) false and misleading representation. The law is very clear as to the civil liability and the remedy available to me, according to XXXX XXXX ( k ). Furthermore more failure to honor this requested demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account has not been updated to my credit report. 

You have XXXX days to reply.
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC. (CA)

This complaint is about Santander Bank which seems to have very lax security measures. 
On XX/XX/year>, an unauthorised transaction of {$15000.00} was made out of my bank account. I raised a complaint with the bank ( case ID XXXX ) and after following up with them for over 10 days, they claim to have resolved it by depositing the money into my bank account- which is supposed to be frozen/ blocked. 

They claimed that I needed to visit XXXX of their branches to get my money back. However, I live on the XXXX XXXX and can not visit any of their branches which are all on the XXXX XXXX. 

They promised to send me a check but haven't done so. They have also refused to provide me a XXXX XXXX of this process. 
In a way, while claiming that they are returning my money, they have refused to allow me access to that money in a systemic, well-thought manner. 
Instead, they have wasted so much of my time in making me run after unnecessary stuff - I have had to take leaves from my XXXX XXXX and am now planning to spend thousands of dollars to make an XXXX XXXX trip to get my money back
Consumer complaint received 2024-07-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC (GA)

Text message spam from Shepherd Outsourcing on behalf of XXXX XXXX XXXX regarding XXXX XXXX debt collection. Text message was from XXXX, but repeated instructions to contact XXXX were made.
Consumer complaint received 2024-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/year>, I made a purchase of web design services on XXXX for the total amount of {$1000.00}. However, after a few months, I discovered that I had been charged over {$3800.00} without my approval. I immediately contacted Capital One to dispute these charges and provided all the necessary proof of my agreement with the XXXX vendor. This included evidence that I had requested a refund since the website was never completed. 

Despite my efforts and providing all relevant documentation, Capital One has failed to resolve my dispute. They repeatedly requested documents that do not exist, such as a written contract. As this service was conducted online, the only existing contract is XXXX XXXX of messages between myself and the vendor, which I have already provided. 

I am deeply disappointed with Capital One 's handling of this matter. As a loyal customer, I expected better support and resolution in such a clear case of unauthorized charges and unmet services. I request your assistance in resolving this issue promptly and ensuring that I receive a full refund of the unauthorized charges.
Consumer complaint received 2024-02-07
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. (PA)

To whom this may concern ; My name is XXXX XXXX I am a Federally protected consumer. And I have notice several FCRA/FDCPA Violations on my consumer report by a few credit reporting agencies. Violation that were done 15 usc 1681, 15 usc 6802. Just to name a couple. I would greatly appreciate if these Inaccurate/ Fraudulent accounts be removed from my consumer report immediately. 
This is not a 3rd party filing this report. This is me a Natural person. Thank you.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently discovered several accounts on my credit report that I do not recognize, which suggests potential identity theft. I believe my personal information has been used without my consent. The fraudulent accounts include : XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$400.00} XXXX XXXX  Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$330.00} XXXX XXXX XXXX XXXX fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$31000.00} Despite my efforts to secure my information, these fraudulent charges have caused significant damage to my credit standing. I am seeking assistance in removing these fraudulent accounts from my credit history and preventing further misuse of my personal information.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

Account : lvnv funding llc To Whom It May Concern : This letter is in reference to your response in regards to { account number XXXX } that is currently being reported to XXXX, XXXX, and XXXX. While I appreciate your response, unfortunately, you still have not complied with the FCBA. You have only forwarded a portion of the documentation requested and required by the FCBA. It is my understanding that The Fair Credit Billing Act requires creditors to bill correctly, that each statement is sent to the correct address, that you do not ignore change of address requests, that you facilitate disputed charges in a manner as prescribed by law, and also that you provide lawfully requested information concerning my account upon request in a timely manner. Thus, I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. You have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me. Therefore, you are still required to send me : The contract/agreement I signed legally binding me to this alleged debt The information you used for fraud prevention and to verify my identity as the responsible person qualified to establish this account The steps you took to verify my eligibility to establish this account ( ie, employment verification, residence verification, etc. ) Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established A notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period you claim I was a customer You have only 15 more days to provide this information request and comply with the law. Otherwise, you are required, per the FCRA, to delete the negative marks you have reported to any consumer reporting agencies about me. Failure to do so will force me to seek legal remedies, including punitive damages, for continuing to report an unverifiable account which proves your willful non-compliance and negligence. Once again, your prompt attention to this matter would be greatly appreciated. Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (OR)

I have been attempting to get them to refund the money order as its un-cashable. I have the money orders. I have brought them in person and called and they requested that I fill out the form on the website. The form does not work and gives you an error message. They refuse to help on the phone or in person. I am out XXXX and they do not care. I need them to process the refund immediately.