davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

Statement Regarding Unauthorized Sharing of Transactional History To Whom It May Concern, I, XXXX XXXX, am issuing this statement to address the unauthorized sharing of my transactional history by Self/Lead Bank XXXX This egregious violation of my privacy rights has caused me significant concern and distress. I wish to highlight the numerous laws and regulations that have been violated as a result of this unauthorized sharing. 

First and foremost, Self/Lead Bank 's actions are in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, which defines the term " consumer report '' as any communication of information by a consumer reporting agency that bears on a consumer 's creditworthiness. By sharing my transactional history without my permission, Self/Lead Bank is effectively creating a consumer report without adhering to the strict regulations outlined in the FCRA. 

Furthermore, Self/Lead Bank 's actions violate the Gramm-Leach-Bliley Act ( GLBA ), particularly 15 U.S. Code 6801, which emphasizes the importance of protecting the privacy and security of customers ' nonpublic personal information. By sharing my transactional history without my consent, Self/Lead Bank is failing to uphold its obligation to safeguard my confidential financial information. 

Additionally, Self/Lead Bank 's unauthorized sharing of my transactional history may constitute a violation of state privacy laws, including [ insert relevant state privacy laws if applicable ], which further reinforces the severity of this breach of privacy. 

Moreover, Self/Lead Bank 's actions demonstrate a lack of compliance with its own privacy policies and disclosures, as required under the GLBA and other relevant regulations. Failure to obtain explicit consent before sharing sensitive financial information is a clear violation of these policies and disclosures.

In conclusion, I demand that Self/Lead Bank immediately cease and desist from sharing my transactional history without my explicit consent. Furthermore, I expect full compliance with all applicable laws and regulations governing consumer privacy and data protection. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I.C. System Inc is trying to collect on behalf of XXXX XXXX XXXX. I've never had an account with XXXX XXXX XXXX. I've requested proof from I.C. Systems in 2021 and this year, and they've been unable to provide that. XXXX has confirmed that I have no debt with them, and that they've never requested I.C. System Inc to collect on their behalf. 

I get threatening calls from them at all hours of the day, including night -- sometimes threatening XXXX against myself and my family. They use profanity and scare tactics during the calls. 

This is my second complaint with this company. They tried collecting false debt from me in 2021, and I made a complaint to CFPB then as well. Now they're trying to collect false debt again. 

Here is the text from my complaint in 2021 ( complaint # : XXXX ) : " IC System ( https : //www.icsystem.com/ ) is calling me multiple times a day, claiming they're trying to collect a debt on behalf of XXXX. They are also calling me at night. I do not owe this money -- I have never been a client of XXXX. I asked IC System for verification of the debt, and they said that they could not send me verification. I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. They have already processed a fraud claim. This is the third collection agency that has harassed me about debt to XXXX. The last one was back only two months ago. IC System uses aggressive tactics and refuses to provide proof of debt. ''
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (OK)

I contacted JPMCB to negotiate a settlement, they did not reply. 

My credit report says it is a charge off. I contacted JPMCB again and requested a 1099-C since written off accounts are income and do not belong on a credit report. They did not reply. 

If JPMCB sold the debt, they need to update my credit report to a balance of XXXX. If they leave my account with a balance after they sold the debt, they are committing double jeopardy. 

If they have not sold my debt, they need to respond to me in writing regarding negotiating a settlement. 

It is not legal for them to be currently and continuously reporting negative information about me without providing any way for me to make improvements.
Consumer complaint received 2023-08-30
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. (OH)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-30
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX  ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO Bank, N.A. (CA)

BMO Mortgage account Wanted to cancel my escrow account to lower my monthly payment from last 2 months.

I checked with my loan officer that it can be done. Loan officer verified it.

It has been 2+ months since i made this request but no action has been taken by BMO. I would like top request you to please ask BMO to cancel my escrow and refund my escrow deposit as soon as possible. As it has
been already ~3 months.

This is worst customer experience so far. As they are not giving my money back.
Consumer complaint received 2024-03-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Village Capital & Investment LLC (NJ)

On XX/XX/2024 Village Capital Investment our current mortgage lender reached out to us offering a program to refinance for a lower interest rate through the FHA. They stated that we did not need to do the paperwork or income verification just sign documents they would send over. They also stated that we should not make XXXX mortgage payment until closing and we would be able to skip XX/XX/2024 payment. 
We signed all the documents send over by XXXX XXXX on XX/XX/2024. 
On XX/XX/2024 XXXX reached out to us and stated we need to make XXXX 's payment because the paperwork was delayed for the closing. We would hold XXXX until closing and skip XXXX 's payment. We attempted to make the payment but Village Capital was forcing us to include late fees which we should not be accountable for. I reached out to XXXX on several occasions regarding this matter. Him nor anyone in Village Capital Customer service or loan department has returned calls or emails regarding this refinance and has since reported us late to the credit bureaus. The loan department abonded our application and file leaving us with late fees on our account and negative reporting our credit report. 

The loan official XXXX finally contacts us after XXXX months of no communication to tell us that they wont process the refinance because we had a 30 days late payment in XXXX when they told us not to make the payment.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (CA)

Around 6 months ago I had a current banking account and I had my money I worked for deposited on the account and I had XXXX deposited Around XX/XX/2023 and they closed my account and told me I had to wait for my money and I waited and they have no phone number to call so I sent emails and finally today they answered me telling me they will not hive me the money that was deposited on there I was selling on XXXX and had my earnings being deposited and now they said they are keeping them can you help me they have no right to keep my money that I worked for thank you
Consumer complaint received 2023-10-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received email notification that an account was opened by me with Bank of America. I immediately contacted Bank of America fraud and was given a phone number to reach out to during the investigation. All of the Bank of America numbers will not allow you to speak to someone unless you enter your online pin. I did not open the account, so how could I have this information? Now I have received a debit card not only from Bank of America but from Merrill Lynch also. Once again, trying to contact them is impossible.
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OR)

National Credit systems ( XXXX XXXX XXXX XXXX GA XXXX ) have  been calling me on daily basis trying to collect rent for a lease that my daughter backed out of before the execution date. The NCS Acct # is XXXX & XXXX ACCt # XXXX They sent me initial letter in XX/XX/2018. I have communicated to them in writing using certified letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018 asking them to prove that I am legally obligated to pay the lease providing evidence for the following - Documentation that I disputed the XXXX XXXX Issued the lease after my daughter communicated to them that she does not plan to move into the apt . 
- Documentation that they acknowledged that I disputed the lease. 
- I also pointed out that any dispute regarding the validity of the lease belong in the Indiana court and not by a third party collector agency. 

They are continuing to call me on daily basis saying that they rejected my evidence despite my request that they stop contacting and trying to collect based my my documented dispute with the 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: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-03-28
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. (CT)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-30
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-28
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. (GA)

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. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$520.00} Account Name : XXXX  XXXX  Account Number : XXXX {$670.00} Account Name : XXXX XXXX Account Number XXXX XXXX {$10000.00} Account Name : XXXX Account Number : XXXX {$17000.00} and 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 2024-03-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION (FL)

I am unaware of this debt! I did not have the opportunity to dispute this debt I never received proper notification of this debt! If in fact you believe i received proper notification, please provide a receipt of the certified mail and my signature on there stating that i received it! 

Please respond in 15 days and if the information is not provided please delete and remove this debt and rem ark from my credit report
Consumer complaint received 2023-08-30
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)

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 following items 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
List : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX XXXX XXXX XXXX account # XXXX XXXX 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 2023-08-30
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$2100.00} CITI XXXX Balance Owed : {$2100.00} FOUNDATION F XXXX Balance Owed : {$3600.00} LXXXX XXXX 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 2024-03-28
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. (NE)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>