davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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. (AR)

I checked my credit report on XX/XX/XXXX and I noticed a Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX still reporting on XXXX and Equifax. On XX/XX/XXXX the bankruptcy court advised me that the court does not report, verify, or furnish information to credit bureaus or any third party. I disputed the bankruptcy to all XXXX bureaus with the attached statement from the court and it was deleted from my XXXX report effective XX/XX/XXXX but XXXX and Equifax failed to perform an investigation and delete the disputed information. If the CRAs can not validate the information with the original creditor, they must remove said information from the consumer credit file. The Bankruptcy Court has provided me a letter that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Therefore, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 1681i ) and the information MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

My Personal Sworn Statement & Declaration : 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. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 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. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2024-05-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (GA)

Around the summer of 2023 ( XXXX ) I started getting dropped calls. Then my mother called/texted from back home ( XXXX XXXX XXXX Louisiana and under my plan ) to say she could not use her cell phone at all. I initially called the service department for her, and they initially said there was an alert for my area in Georgia and had been getting dropped calls, in which I responded yes, however, none of the trouble shooting for my mom helped her in the store XXXX or over the phone. She could only use her cell phone outside to communicate any time of short communication, she is elderly and in XXXX Louisiana temperature with high humidity and elevated degrees of XXXX during that time. At one point I was told they would replace her phone with the warranty and I should get a tracking number the next day. I never got that tracking number, when I called to follow up, I was told it was a tower problem in her area and the phone replacement order was canceled. I was repeatedly told the technicians ( tier XXXX ) were working on resolving the issues in XXXX, Georgia where I reside and my mothers area of XXXX XXXX, Louisiana. My elderly mother needed communication living alone and had several upcoming doctors appointments that needed scheduling and confirmation. The problems with the wireless service continued for over a month and half, with multiple calls made to XXXX. I had complete confidence in the past with thier service as a customer over XXXX years and never imagined they would be so insensitive and lacking in providing good service or compensation. So I had no other choice but to switch to another XXXX, if not for my sake, my mothers sake. At XXXX point I tried to get a credit due to the poor service, but was denied because I was in a payment arrangement until my monthly VA XXXX disbursement was released.I was also aware it wasnt just me because another XXXX XXXX customer came into the new carrier with the same issues. In another incident, a man spoke with a T-Mobile representative while I was in XXXX complaining as well I dont know what is going on with XXXX. 

The transitional fees of switching carriers cost me dearly and set me back for payments with my remaining XXXX balance, however, my family had working phones and service. The bulk of what was owed was for the balance of the XXXX XXXX XXXX. At this time I would like to resolve this matter with a settlement of {$700.00} and removal of collections/negative impact reporting on the XXXX credit bureaus. This information was provided to XXXX during a survey as to why I was no longer with them and now A low rated company Sequium is sending information on behalf of XXXX. I also attempted to send correspondence to XXXX, however, it was sent back to me stating the mail box for XXXX was closed.
Consumer complaint received 2023-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

There was XXXX XXXX account that had fraud charges. XXXX XXXX  removed the debt off my credit report and closed the investigation as final no charges to me. This is affecting my credit and I wrote called and let them know the debt was removed.
Consumer complaint received 2024-01-09
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: EQUIFAX, INC. (PA)

in Accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account with XXXX XXXX XXXX was properly investigated but how is that possible if the last date of activity is inaccurate, the date reported is inaccurate, and last payment is also inaccurate. This is ground for removal they also violated my rights under 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 alos states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit reporting agency took more then 30 days to complete my investigation
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX is fraudulent. The vehicle was repossessed. The vehicle was in my deceased husbands name. I am not responsible for this fraudulent loan. My late husband, XXXX XXXX was responsible for this loan. The vehicle had been repossessed but it constantly updating every month on my credit file. Please remove this fraudulent information from my credit file or I will seek legal actions. With my income, being that XXXX XXXX, I couldnt possibly afford a vehicle at that price. My personal information was stolen. 

Account : XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2024-01-09
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as 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
Consumer complaint received 2024-01-09
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 the time you have taken to address the removal of fraudulent items in my file resulting from an alleged identity theft. However, there are still remaining items that require removal. I have been made aware that XXXX is not taking action despite the submission of an FTC fraud report # XXXX. This marks my third complaint as a victim of identity theft, disputing items in my file associated with the crime. The disputed items are unrelated to any authorized transactions for goods, services, or money. Kindly remove the reporting of these items from my credit file. I have included my new FTC report with reference # XXXX. The list of items to be removed is as follows : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I have requested in writing to Credence Resource Management, mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, on several different occasions, that the account place on my credit report on XX/XX/2021 is not my account. My Validation of Debt has been met with silence and I am at a loss of what to do without them providing proof of my debt. They have refused to provide me with Proof of Ownership of this account. I have been diligently requesting this data and have no resource other than filing an official complaint. I am requesting as my right, to have this debt validated. Please help me.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

There was a charge on my Apple Card that I don't recognize on the amount of {$95.00}. I opened a dispute with Apple Card and they sided with the business. I never made this purchase, I don't recognize it and they are refusing to give my money back.
Consumer complaint received 2024-01-09
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. (GA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports, effective immediately. 
I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

1. Account Name 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 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AUSSRQ Holdings, LLC (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I used ATM inside chase Bank to deposit XXXX XXXX total XXXX XXXX bills as cash into my check account. 
After insert money in hole, the atm jammed and return to main screen.

I couldn't get my deposit and my cash neither I contacted customer center at XX/XX/XXXX. 
Until XX/XX/XXXX I have no emailed, claim number or anything from Chase. They just told me to wait XXXX business days.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was to receive a XXXXXXXX XXXX  sent of money from a XXXX XXXX who friend my on XXXX and what was to be in the box was money and rings for us. From his job and the company he hired to delivered the XXXXXXXX XXXX of money had me send money to them to deliver the box and I was scam out of all my money and my family and kids savings too. The company name is XXXX XXXX and the manager was XXXX XXXX whom had me sending him the money and never delivered the box to me it was all a romance scam by XXXX XXXX and the company and XXXX XXXX Im trying to retrieve my money back however it can be.
Consumer complaint received 2024-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I'm part of a BDTR ( Borrower defense to repayment claim ) for the XXXX XXXX. Which was won and approved. My loans however have not been cancelled and refunded. I was told to come on here and ask for a " Navient School Misconduct discharge application '' since Navient seems to be dragging its feet.
Consumer complaint received 2024-03-25
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: GOLDMAN SACHS BANK USA (NJ)

In XXXX and XX/XX/2023, a charge was posted to my benefit card for {$190.00} and {$310.00} by XXXX XXXX XXXX. I have proof from the merchant that they admitted to not providing the service according to a customer agreement. As well as proof of my dissatisfaction and grievance with the company. The merchant offered a refund, however, it was not for the full amount of what was charged to my card. After going back-and-forth with the merchant and being promised a refund, I contacted Apple Card to file a dispute claim. I provided evidence and an explanation in writing and waited for several weeks. I contacted Apple Card to follow up multiple times. After, I called to follow up and it was explained that my claim was denied. I asked for reason for the denial and why the promise to refund my card wasnt honored. Despite the documentation that I provided showing my complaint to the merchant, the request to cancel service and the merchant promising a refund due to them not completing work as agreed. After my complaint to the merchant, I obtained copies of authorization slips that was unsigned, showing that I never acknowledged receipt of any goods or services. Therefore, making the transaction not valid. Apple Card has returned one charge of {$310.00} but has not refunded the charges above of {$190.00} and {$310.00}. Also, the merchant never was able to provide an itemization of work completed or a bill. For that reason I am demanding a credit to my account. As a mother with a XXXX child, I need that money back. The money was wrongfully charged and now Im left to pay the credit card bill. I contacted Apple Card on Wednesday, XX/XX/XXXX to request this matter to be escalated and was told a supervisor would call me back in 48 hours. I never received a call, hence is why Im making this complaint
Consumer complaint received 2024-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (ND)

My home loan was sold from XXXX XXXX to Roundpoint Mortgage Servicing LLC with a transfer date of XX/XX/XXXX. My monthly payment amount with XXXX XXXX was $ XXXX. On XX/XX/XXXX property taxes were paid by XXXX XXXX  in the amount of {$3300.00}. Home insurance paid by XXXX XXXX  on XX/XX/XXXX was {$2700.00}. All escrow balances were transferred by XXXX to Roundpoint Mortgage effective XX/XX/XXXX. XXXX property taxes were {$3300.00} and were paid by Roundpoint Mortgage on XX/XX/XXXX. Home insurance was {$3000.00} and was paid by Roundpoint Mortgage on XX/XX/XXXX. Roundpoint Mortgage conducted an escrow analysis on XX/XX/XXXX. They are claiming I have a shortage of {$3700.00} and have raised my monthly payment to {$1700.00}. They are claiming that my expected amount of taxes and insurance was {$6000.00}, but my actual amount was {$9700.00} which equals a negative balance of - {$3200.00}. This is inaccurate. 

I originally contacted Roundpoint Customer Service on XX/XX/XXXX regarding this error. They explained how an audit works and claimed everything was correct. I said it was not correct and asked to speak to a manager. I was repeatedly told that a manager would tell me no different but was eventually placed on hold. The CS agent came back on the line several times with excuses of why I could not talk to a manager. I informed the agent I would continue to wait. I eventually was able to speak to a manager who told me all they could do was put in a request to have a new audit run and request that someone from the escrow team give me a call within the next couple of days. No call came. On XX/XX/XXXX I spoke to the escrow department about my concerns. After walking through the analysis with the agent, the agent agreed that something looked strange. He said he would submit a request for a new escrow analysis to be completed. I was told this would be completed within XXXX days. As of today, XX/XX/XXXX no updated audits have been received or posted to my account. 

Roundpoint Mortgage is unwilling to find the error they have made and to fix that error.
Consumer complaint received 2023-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALPHA MIDCO INC (AL)

I called the number provided to settle a debt that was paid off, but the phone number I found was the wrong number for the original company. The person acted like a representative of XXXX, the original debt collector, but they were a scam artist pretending to be with XXXX XXXX XXXX. I gave them my social security number and debit card number, but luckily the card had no funds for them to take. They tried to get me to use a different card, but then I realized they were asking way too much information. When I called the scammer out, he immediately hung up the phone.