davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-12-19
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act POSSIBLE 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 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 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-18
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (FL)

I am writing to file a complaint regarding the deceptive sales practices I experienced with One Main Financial. During my past interaction with your loan company, I was misled into signing up for optional products that I did not fully understand or consent to. The representative informed me that I could not proceed with my transaction unless I signed up for these additional products, leading me to believe it was mandatory when in fact it was just an option. 

I feel deceived and taken advantage of by this deceptive sales tactic, and I demand immediate action to rectify this situation. I request a full refund for the optional products I was tricked into signing up for without my full knowledge or consent. 

I trust that you will take this matter seriously and address it promptly to ensure that other customers are not subjected to similar deceptive practices in the future. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MI)

According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC (TX)

On XX/XX/2019, I was served with a citation on a lawsuit from XXXX XXXX   XXXX  with Scott & Associates listed as the attorney for the plaintiff. After much research, I discovered that XXXX had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per XXXX. XXXX XXXX claims that they are not a collection agency and that they referred the account to Scott & Associates, a collection agency law firm. I never received any type of communication from Scott & Associates prior to being served with a citation. I sent Scott & Associates a request for debt validation. The only thing they sent me was a few of the bills from XXXX and where I had applied for a credit card with XXXX on the Internet. That in no way validated that they had the authority to collect the debt. I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. My complaint against Scott & Associates is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with Scott & Associates.

This is my second complaint. Evidently Scott & Associates put an incorrect address on the petition with the court and my complaint was sent to the wrong company.
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Triton Recovery Group (CA)

The debt collector has sent messages via social media to friends and customers with my name and debt information, telling them they are responsible to repay the debt. 

I have made numerous repayment offers to the collector and have been met with nothing but opposition. They have threatened litigation and threatened to contact all of my customers. They have already begun contacting my customers.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I opened both checking and saving accounts with citibank online in XX/XX/2019 and their online system is really bad, when I click the check account to review my transactions, it's always showing loading for both my accounts. I am not able to see the details of my accounts. 
When I tried to transfer some money from an external bank to citi, the citi accounts got locked for no reason.i had transfered {$15000.00} USD to citibank and now it shows my accounts closed. {$15000.00} had been deducted from my external bank accounts and showed that this money already deposited into citibank, but citibank denied the receiving of this money. I now don't know where my money is at. 
and I spent 4 hours over the phone with their CS, and they weren't not helpful at all but waste my time.their customer services on the phone is the worst. their english is hard to understand and the info. they provided is not accurate at all. 
If you want to be happy, stay away from citi bank ever!!!
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I received a {$40.00} XXXX XXXX XXXX XXXX  ( Activation fee was {$4.00} ) as a XXXX gift. Card was purchased at XXXX on XX/XX/23. I have the receipt. I tried to use it on XX/XX/23 it was declined. Attempted to activate the card by calling XXXX at ( XXXX ) XXXX ; system did not recognize the gift card. I called ( XXXX ) XXXX, I was on hold for about XXXX minutes. Finally spoke with a customer service rep by the name of XXXX, I told her what had happened. She asked me to provide her with the Gift Card number, the expiration date & the security code as well as the XXXX ID number that began with a XXXX. She got back to me & stated that the gift card was not in the system. I asked her what was my next step. She told me that I WOULD NEED TO GIVE HER MY PERSONAL ID INFORMATION & the original receipt. I told her that I was not stupid to provide her with my personal information. I asked her where she was located ; she told me So. XXXX. Asked her the name of the company where she worked. She told me INCOMM CREDIT CARD SERVICES. I then went to XXXX where the gift card was purchased ; unfortunately, they were unable to do anything. I called back a XXXX time on XX/XX/23 and spoke with rep XXXX. He told me that I would need to mail a copy of my driver 's license. He gave me incident # XXXX. I want to understand. why does another country want my XXXX? That is personal information & if provided could cause potential fraud against me.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Please delete this account immediately from all three credit reporting agencies.
Consumer complaint received 2023-12-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (CA)

Selene Finance is not accepting my checks. They received a check dated XXXX  on XX/XX/XXXX in the amount of {$7000.00} for a statement that was dated XX/XX/XXXX with a due date of XX/XX/XXXXXXXX  for a total amount due at the statement date of {$6900.00}. I received a FedEx standard overnight package from Selene Finance on XX/XX/XXXXXXXX  with a letter and the check for {$7000.00} with the statement that the check was returned for Unable to process, loan is in foreclosure. So I immediately called Selene Finance upon receiving the XXXX  package to ask why. I first talked with a customer service representative named XXXX and she could not give me any information about the loan or why the check was returned. When I asked her if I could talk to her supervisor she said no but would take my number and a supervisor would call me back. I left my number and never received a call from anyone from Selene Finance and I did confirm my number with XXXX. I called Selene Finance back that same day of XX/XX/XXXX and spoke with a different customer representative agent named XXXX and again was not given any information. So I sent another check for {$8500.00} that was dated XX/XX/XXXX for the statement closing date of XX/XX/XXXX with a total amount due of {$7800.00} and due date of XX/XX/XXXX and the check has not cleared my account so I dont know what the status is of the check but on XX/XX/XXXX I received a Notice of Sale on XX/XX/XXXX with a scheduled date of sale for XX/XX/XXXX. I am trying to resolve this but I am getting no response from Selene Finance.
Consumer complaint received 2023-06-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX XXXX Bankruptcy Court of Virginia docted bankruptcy XXXX XXXX. XXXX XXXX was violated by Truist bank auto department XXXX XX/XX/2023. When I woke up, i found out they stole my car without due process or without court order. It ruin my life and my family. This is violation to federal statute. 

XXXX ( Truist auto account ). 

XXXX XXXX XXXX in Virginia XXXX holding my car property
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

Notice to opt Out Per XXXX XXXX XXXX Per the FCRA ; as a Federal protected consumer, I am now opting out of any and all authorization I the consumer XXXX have given you or your company in written, non-written, verbal, and non-verbal form. 

I am rescinding all authorizations per XXXX XXXX XXXX. 

This is effective immediately and indefinitely.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

I made an additional payment of XXXX to my loan and want to know how many payments are left on my loan for my XXXX planning. Bank XXXX doesn't provide XXXX schedule so I call their customer service. Customer service didn't answer my question or provide with an alternative for me to calculate remaining months or last payment date or a way for me to find out what would be the final date/month for this loan. I have no way to verify if my additional payment had any impact on the loan. I have no way to find if bank will continue to charge me for original XXXX months or less.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I do not recognize these inquiries on my credit reports and the CRAs will not remove. I'm providing an Identity Theft report, as I have found out I have been a victim of identity theft. I'm requesting they be removed from my report as they are inaccurate and not mine. EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX Experian has previously responded that they verified as accurate but provided no proof of verification such as my signature or approval of these inquiries.

I want these inquiries DELETED, as they are not mine and not authorized on my report as to protect my identity and consumer information privacy.
Consumer complaint received 2024-04-12
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NV)

My wife and I went into XXXX XXXX XXXX, and they did a soft inquiry to see if they could approve us for 0 % interest financing. When they approved me and my wife for {$1000.00} we decided we were not interested and left within minutes. Days later, I find out an account was opened in both of our names. I contacted the sales person, the store manager, and then I even called synchrony bank. They all told me the account was legitimate and would not be closed.. I had to file several disputes with the credit bureaus over and over until finally, I received letters in the mail, stating that the account was open fraudulently! 

This business is unethical! I was cussed out via text message from the sales person who illegally opened up accounts under both of our names! She ( the sales person ) committed fraud, and then synchrony bank protected them. I want answers my credit score was impacted, I looked over extended and so did my wife.
Consumer complaint received 2024-01-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

This is a privacy issue concerning a breach of contract. My mortgage lender, Carrington Mortgage, shared my monthly mortgage statements with another company, XXXX XXXX XXXX without my authorization. I am currently suing XXXX XXXX XXXX for {$10000.00} in damages for an unrelated dispute. Carrington Mortgage did not have my authorization to share my mortgage statement or any of my personal financial information with anyone. 

I've attached an email from XXXX XXXX XXXX with my mortgage statements attached to the email. I never gave XXXX XXXX XXXX XXXX my mortgage statements and I never authorized them to view them. This proves that they received the mortgage statements from Carrington Mortgage LLC. This is a critical privacy breach and a breach of contract.