davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are XXXX collections account on my credit report from accounts that do not belong to me. XXXX of them is from a storage called XXXX XXXX XXXX, and the other one called XXXX MOBILITY. These accounts were not opened by me and ended up being sent to collections, having a negative impact on my credit.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 a 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 than records of convictions of crimes which antedates the report by more than 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 2024-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC (CA)

I applied for a jumbo loan on XX/XX/2024 and we had a closing date set for XX/XX/2024. Its the end of the day in XX/XX/XXXX. The underwriter was sent all information needed three times and claimed she did not receive them. When the loan officer sent over documentation with dates and times it was sent she agreed a mistake was made. Yet, she still pushes to not look at any documents for 48 hours. This has been escalated numerous times and finally made it to XXXX the VP of underwriting. Again that is what we were told. I am being charged {$730.00} per day this loan does not close from the builder amongst other fees from my contractors, etc. This is the most unprofessional company I have experienced in my life and they have the audacity to call themselves number one. They are number 1 of ignoring my emails, calls and request for something everyone deserves and that is transparency. They should not be in business ruining peoples lives. If we dont close in the next few days I risk losing my XXXX deposit and losing our dream home. I am here to explore all avenues and make sure you dont get away with this and prey on other hard working Americans. Shame on you!!!
Consumer complaint received 2024-03-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MS)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In requesting documentation none was provided.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (AR)

ON XXXX i asked XXXX to provide me with proof of the original contract or original purchase contract, proof they are legally bonded to collect in the state of Arkansas, any interest or fees accrued, or have been added, full accounting history with the original creditor, proof that they sent the required legal notices to me before reporting to the consumer reporting agencies, proof of ownership of the alleged debt and include proof of assignment for each change of assignment. I received no response.
Consumer complaint received 2023-09-25
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)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-26
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: McCarthy, Burgess & Wolff, Inc. (WI)

XXXX XXXX From : XXXX To : XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX This is regarding the refund to XXXX for the cancellation of the credit card issued to your company. XXXX has not received the refund for this credit card. 


If you feel this was sent in error, please reply all and provide all supporting documentation and or information BY THE DUE DATE OF THE REFUND OR THE AMOUNT WILL BE SENT TO DISPUTE. 

The invoice that was created for the job, is not proof of service completion. 



Please refund these funds by XX/XX/XXXX If the refund is not received, XXXX will process a dispute with the credit card company. 



Date of Service : XX/XX/XXXX Job ID : XXXX Amount : {$1100.00} Refund Due Amount : {$1100.00} Credit Card XXXX XXXX XXXXXXXX Expiration : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reason/Notes per call : Our record shows that this job was marked as reassigned in the system. Cancelled by the dispatcher due to provider 's delay. We would like to request a refund for the {$1100.00}. 

-- We only have access to email for communication. We apologize for any inconvenience this may cause. 

Performance or account related inquiries, contact XXXX 's XXXX XXXX XXXX This communication is for the sole use of the intended recipient ( s ) and may contain XXXX confidential information. If you are not the intended recipient, please notify the sender immediately by return email and delete this message from your system. Thank you. 
-- XXXX XXXX XXXX. 
XXXX Confidentiality Note : This e-mail message and any attachments may contain confidential or privileged information. If you are not the intended recipient, please notify me immediately by replying to this message and destroy all copies of this message and any attachments. Thank you.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

account # XXXX XXXX XXXX ( XXXX ) account # XXXX  XXXX XXXX ( XXXX ) account # XXXX XXXX  XXXX ( XXXX ) 15 U.S.C. 1681 section 602 A. States I have the right to privacy and cording to 15 USC 1681e ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 than records of convictions of crimes which antedates the report by more than 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 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I do not know who is CCS. I contacted XXXX and requested how I own money and under which contract that is based. XXXX never provided a signed contract. I am under the FCC Affordable Connectivity Program. XXXX has a contract with the FCC. If the FCC stops paying the service ends. I have no liability under this Gav. program. Service started on XX/XX/2023, and ended on XXXX XXXX XXXX by FCC.
Consumer complaint received 2024-03-31
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. (PA)

I am writing to dispute the reporting of a late payment on my credit report by XXXX  XXXX XXXX, as reported by Experian. The account number associated with this dispute is XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 USC 1681 Section 602, 15 USC 1681 Section 604a ( 2 ), and 15 USC 1666b.

15 USC 1681 Section 602 of the FCRA states that I have the right to privacy regarding the information contained in my credit report. Reporting a late payment without proper verification or validation violates this provision of the FCRA.

Furthermore, 15 USC 1681 Section 604a ( 2 ) of the FCRA prohibits a consumer reporting agency, such as Experian, from furnishing information about an account without my written instruction. The reporting of a late payment without my authorization violates this requirement.

Additionally, under 15 USC 1666b of the FCRA, a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (AZ)

I received a box of checks and savings account packet from Wells Fargo way back in XX/XX/2013. Unauthorized accounts were opened in my name, as well as my minor son 's name. I drove directly to my Wells Fargo Branch and spoke with the Manager. She stated it was due to human error, and to change my passwords. The manager assured me that everything was fine. 
This past XX/XX/XXXX, I received a letter from the Administrator handling the Class Action Suit against Wells Fargo for unauthorized opened accounts, requesting additional information. I was asked to call the Wells Fargo Resolution Department and request the last four numbers  of the accounts that had been opened without my authorization. Knowing there were the two accounts, I thought the issue had been resolved back in XX/XX/2013. 
Upon calling the Resolution Department, I was initially told I had 12 unauthorized accounts opened in my name. This through me into a panic and I drove straight to my branch again. A banker put me in touch with a Resolution Team Manager and while looking over the paperwork that the banker provide me, I was able to see a male name printed on a statement who felt it was justified to access my personal information as well as my sons. I asked if the male individual was still employed with Wells Fargo, and with much hesitation, he stated that the male was currently employed with Wells Fargo and works in the Mortgage and Refinancing Department. This truly disturbed me. 
I am XXXX years old and I suffer from a XXXX XXXX/XXXX XXXX. I am a victim of XXXX  XXXX as well as XXXX  and XXXX XXXX from my XXXX. I have attended many therapy sessions, and I am on medication for my XXXX XXXX XXXX. Receiving all of this information has been overwhelming and has devastated me. 
I spoke with the lawyer who is handling the Class Action Settlement Claim about my concerns, and he highly recommended that I file a complaint with the Arizona State General Attorney 's office as well as filing a police report against XXXX XXXX XXXX for Identity Theft and Fraud. 
I am now having difficulty leaving my home again. I am constantly looking out my front window to confirm XXXX is not there. I feel like I am being watched throughout the day and night. I am having difficulty focusing on pretty much everything in my life at this point. 
XXXX XXXX had absolutely no right to use my personal information for his own benefit. Knowing he opened unauthorized accounts so that he would reach his quotas and receive a cash incentive bonus sickens me. He knows everything about me. My address, my cellphone number, my social security number and my drivers license number. I know absolutely nothing about this individual. 
I have filed a complaint with the Arizona State General Attorney 's Office and I have filed a report with the XXXX County Sheriffs Office. The officer who assisted me recommended I should file a report with you as well.
Consumer complaint received 2023-07-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

My daughter received a call from a company that stated that my property was in foreclosure. She thought it was a scam so she called PHH on my behalf to discern if this was the case. It was confirmed by representative XXXX, employee ID # XXXX, that the property was on foreclosure. My daughter informed me and I requested to know what occured. Although all taxes were up to date on the property, according to the representative, the company paid the the XXXX XXXX XXXX {$3000.00} on behalf of the property in XX/XX/XXXX. I was not informed of this even though they said that there was correspondence to me, I never received anything. My daughter called back to find out if the amount could be paid by virtual check only to hear from another representative, XXXX ID # XXXX, that the amount had changed to XXXX. The original amount was confirmed with the previous representative more than once and also with this representative. The cost to remove the home from foreclosure increased in less than an hour. This is not the first time that I depleted my funds just to remove my home from foreclosure for miscellaneous charges by this company that I was not informed of. I am on a fixed income and do not want to lose my home due to shady practices. Although I have sent through a check via mail to resolve this matter my money is now next to nothing and I am suffering. I was supposed to be refunded money from this company for charges that were duplicated but I have yet to receive any of my money back although I have been charged randomly throughout the years of this contract. I feel like this company is trying to scam me out of my home. They have already paid a large sum in restitution for illegitimate business practices in XXXX and now I feel like they are still attempting to siphon money from unknowing borrowers but on a quieter scale. I would like my mortgage agreement and payments to be reviewed to ensure that the costs that are consistently brought upon me are valid. Please help.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CA)

About three months ago, I noticed that I was being charged double interest rates for purchases and advances! I went to the bank and met with a service clerk and he could not explain, so he called the bank main office and we were put on a conference call. The bank main office tried to explain it to me, however, it did not make sense. Hoping the problem would go away it continues the exist. This is an example of how the charges appear on each monthly statement! 
XX/XX/18 INTEREST CHARGE ON PURCHASES {$180.00} XX/XX/18 INTEREST CHARGE ON CASH ADVANCES {$110.00} Although I try to make my monthly payment every month, I will never be able to pay off this debt because it appears that the payment is going to interest only!
Consumer complaint received 2023-09-25
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 appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (TX)

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from CCS Collections/CREDITOR : XXXX XXXX XXXX specifically the account titled CCS Collections, Account # XXXX. Balance of {$0.00}. 

I have disputed this account directly multiple times with the bureaus in the past with no success. This is not my account but possibly my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. 

I did not open this account, nor incurred the charges and negative remarks associated with this account. Furthermore despite all the information provided to CCS Collection continues to attempt to collect on an invalid debt. 

CCS through its collection efforts attempted to collect on an account that it was not allowed collect on. Through this conduct, CCS violated 15 U.S.C. 1692d, 15 U.S.C. 1692e, and 15 U.S.C. 1692f.

Through all the above-mentioned conduct, CCS is engaged in conduct that natural consequence is which to harass, oppress, or abuse any person in violation of 15 U.S.C. 1692d.

Through the above conduct, CCS violated 15 U.S.C. 1692e ( 2 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, thus containing a false impression of the character, amount, and legal status of the Debt.

Through the above conduct, CCS violated 15 U.S.C. 1692e and 1692e ( 10 ) by using false, deceptive and misleading representations and means in connections with the collection of an alleged debt by attempting to collect on a debt that has been paid and was not owed. 

Through the above conduct, CCS violated 15 U.S.C. 1692f by using unfair or unconscionable means to collect or attempt to collect a debt, a debt that it was not entitled to pursuant to the Agreement.

Through the above conduct, CCS violated 15 U.S.C. 1692f ( 1 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, when it was not authorized to collect by the agreement creating the debt or permitted by law. 

The foregoing acts and omissions constitute numerous and multiple violations of the FDCPA. 

Please remove this account and any derogatory information associated with it from my credit report.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/, I'd sent a letter to Chase about a denial application. I had asked isn't my application a promissory note? Which means you are committing securities fraud. Because you can take my application and can sell it to a third party, so I should not be denied. I had also told them that I'll be filing a claim. XX/XX/, I received a letter from the to call them to confirm the application was done by me. Next I called and my application was accessed even though they said I was denied being that my credit was bad. Then I'd received a credit card.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.