davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (KY)

XX/XX/XXXX and XX/XX/XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX all attempts. 
Asking for validation of amount owed, correct date of account. The date is wrong. The collection agency is stating this was opened in XXXX when I have had the same insurance for many years. The credit reporting company comes back with all information has been verified, without anything I has asked for multiple times. This goes agonist the FCRA section1681s-2 ( b ), a consumer must : Alert the credit reporting agency ( or CRA ) of a dispute regarding the allegedly erroneous information that it reported.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (OR)

I Believe I am a Victim of identity theft there are multiple accounts that i did not open or authorized. I really don't know anything about credit unit I recently checked my credit report and seen these fraudulent accounts. I am confused how someone can open an account in my name without my consent or authorization Please look into this investigation i will like these account to be remove from my credit report as its hurting my score and its fraud. thank you Fraud account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

I sent Credit Collection Services a letter to validate the debt they are reporting on my credit report from XXXX. The company sent me a health insurance claims form. Credit Collection Services did not send the original agreement between myself and the original creditor or any documents showing that Credit Collection Services is legally able to collect this debt. They did not send a contract between their company and XXXX. They also did not send documents showing that their company is registered and license in my state. These are basic documents needed to validate an account, not a health insurance claims form. Another issue is that the health insurance claims form that XXXX sent to Credit Collection Services has a diagnosis code from a medical issue that I had. This is a HIPPA violation. My medical diagnosis should not have been sent to this company so this company is also involved in a HIPPA violation.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I received a copy of my credit report and found the following errors and violations : Equifax is reporting XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX XXXX, MO XXXX. This is in violation of 20 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to 6802a XXXX XXXX may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to release medical information on your consumer reporting agency website. Please provide a copy of my signature with the XXXX to release my medical information to consumer reporting agencies. Immediately remove and cease any medical information from the consumer reporting agencies website. This account is paid in full. This corresponding was sent via certified mail. See the attached copy of my credit report, the violations has be highlighted in the 20 Exhibits. By the provisions of the Fair Credit Reporting Act, I demand that my medical information be investigated and removed from my report.
Consumer complaint received 2017-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO Bank, N.A. (IL)

This is in response to your  XXXX   XXXX ,  XXXX  dated correspondence regarding my Complaint with the Consumer Financial Protection Bureau. Attached are  two cashier checks indicating the amounts that I paid, one is f or {$5000.00} dated  XXXX   XXXX ,  XXXX  and the second cashier check is for {$37000.00} dated  XXXX   XXXX ,  XXXX  which brings the total to {$42000.00} that I paid t o BMO Harris Ba nk  XXXX   XXXX   XXXX ,  XXXX   XXXX   ( r eceived by  XXXX   XXXX  in front of  XXXX   XXXX . they were talking to  XXXX   XXXX   ).  This amount disputes your claim of the {$41000.00} payoff and is a difference of {$1400.00} which is the amount that I am seeking compensation for fro m BMO Harris Bank, pl us the {$500.00} ( that I paid to   XXXX   XXXX   XXXX   in order to remove the vehicle from auction. This brings the total request for compensation to {$1900.00}
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 

1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, 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. (TX)

On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX 's ( sp? ) that I had not caused. I contacted Experion and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX XX/XX/XXXX data breach.
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

I called XXXX XXXX ( XXXX XXXX  ) to cancel my car insurance due the amount they were asking in XX/XX/year> I secured a new policy XX/XX/year> with another provider with better rate. 
Per the rep she informed she was sorry they lost a customer and understood. 
I began receiving calls on my phone ( cell phone ) during work hours from a Debt collector. 
I letter came sometime in XX/XX/year> stating my XXXX XXXX XXXX account has gone to collection. If this was not true mark this is not my account. I marked that it was not my account as I ended the account in XXXX. 
On XX/XX/year> I received a letter by mail from Credit Collections Services, stating my account is with them and I am to pay {$240.00} to them in lieu of XXXX XXXX XXXX, who is underwrites for XXXX XXXX who is under XXXX XXXX 
Today I received a text message from CCS to my cell phone stating adverse credit information is to be reported to the credit bureau by this debt collector owing {$240.00}. 
I called the number and the lady stated I did not cancel my auto insurance until XXXX. 
I stated that was untrue and that you do not have my permission to collect a debt that is not mines. This needs to be addressed as I cancelled XXXX and gained better insurance with XXXX XXXX. This debt should not be on my credit report especially when I am in the process of repairing it.
Consumer complaint received 2023-02-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

in XX/XX/2022 XXXX XXXX XXXX transferred our mortgage to SPS they said there are no changes but we get charged {$15.00} a month which isn't included in our budget. Unless we put in auto pay which we can't because our Social Security checks sometimes doesn't come in until past the due date. This company won't change the due date as we tried many times to ask, If XXXX says nothing has changed well we are getting charged {$15.00} more. We have never been late with our mortgage I'm not understanding why this happened.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, My name is XXXX XXXX XXXX I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (CA)

My father was simply RESEARCHING refinance rates for our mortgage. 

I never talked to this company. My father said that they needed my social security number to store. He gave it to them. They told him that THEY WERE NOT GOING TO USE THE SOCIAL for a credit pull until they got my permission. They never did. We never re-financed and I never ever gave this company permission to do a credit pull on my account at any time whatsoever. 

The company 's name on my XXXX  and XXXX  shows as CREDCO. 

It was pulled on XX/XX/2020. 

Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

My credit information was released without my permission. My credit has pulled numerous times and address you have no knowledge of. I was divorced in XXXX and numerous requests have been made on. I cant even get a copy of my own credit report.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Attached is the Identity Theft Report by the FTC for the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XXXX XXXX, 2017 I contacted XXXX at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX ___________ {$1800.00} PAID XX/XX/17 XXXX updated the accounts at XXXX, XXXX, and Transunion by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and XXXX has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for XXXX as samples.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, 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 LATE PAYMENTS 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 2021-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I was contacted by Wakefield & Associates to collect a debt owed. I do not owe a debt to this company, or any company, for that matter. I am on the national do not call registry, so they should not contact me. I contacted them and attempted to get them to stop contacting me, but they did not answer my calls, as if they had blocked me.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My first day of retirement was on XX/XX/2020. I had to return my computer to the company and because of Covid, I could not purchase another laptop from XXXX XXXX. At that time they were not allowing customers in the store, so I purchased the laptop off of XXXX. I used the computer for about a week, when I woke up on XX/XX/XXXX, my screen was frozen and I was advised to call XXXX to correct. I spoke with an individual named XXXX XXXX. He told me that my modem had been hacked and advised me to contact XXXX XXXX to install the appropriate updated software. The update would cost me an additional {$500.00}. 
I spoke with an individual at XXXX who went by the name XXXX XXXX. I paid for the software from my debit card on line. He had told me to close the computer and the software would finish the install. I opened it back up and the screen was still frozen. I called him back and told him that the computer was still frozen. At that time he said they would refund me the {$500.00} because the security install had not occurred as they promised. 
I was contacted again by XXXX who told me that in error he had added an additional zero and that he needed me to send back to them ASAP or " he would lose his job for such a big error. '' He showed me on my laptop that there was a {$50000.00} deposit to my account. Being trusting and not wanting to see him get in trouble I agreed. I went to Bank of America to wire him the funds ( XXXX ) to account number XXXX at XXXX XXXX. Number which he had provided to me. I met with a financial adviser XXXX at the XXXX, CA branch and he wired the money for me. He then spoke with his Office Manager and told her it could be a case of fraud. She tried to recall the wire immediately, but the funds were already gone. When I got on my computer someone had moved money from my savings account, put it in my checking account and withdrew it all. I reported this to B of A fraud department and the XXXX police department on XX/XX/2020. 
The bank said they had 90 business days to make a decision on if they could help me or not. This put me into XXXX. Since I had sold my condo, I was in the process of moving and purchasing a home in North Carolina. I received a letter stating they could not do anything for me to retrieve any or all of my funds. 
Since I was scammed and B of A refused to refund any of my money and I had insufficient funds in my accounts and had to sell my company stocks to have money to live on. What has not made sense to me is they have made me a XXXX XXXX member with the privilege 's associated with accounts with that level of funds. 
I have not had any attorney to take my case or tell me that I do or don't have one.
Consumer complaint received 2020-12-15
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)

I called Equifax and spoke with several employees including someone in their Consumer Affairs Department. I called them because I applied for a apartment and received back information saying there was a fraud alert on my account. I wanted to know what it was. The agent said they needed to verify who I was but after providing them with my Name, Social security number, date of birth, current cell number, current address and the total amount of my students loans and who they are with this was still not enough verification data. I feel that considering I didnt give them permission to have any of my personally identifying information they should be verifying my data with me. 
They actually requested more documents for me to verify who I am. The process is time consuming, unnecessary and totally ridiculous. I must send them more information than any government agency I have ever dealt with and they seem to have more power than any government agency. I have a real id from my state and considering what I had to provide to get it the information from it should be enough for me to find out what they are reporting to others about me. There needs to be government oversight of this industry they are ruining lives with their dissemination of misinformation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Almost one year ago, XX/XX/2019 bank of America Transferred USD {$33000.00} from my account number XXXX to the account belonging to XXXX XXXX ( no idea which bank my money was sent ) with Confirmation # XXXX. My money simply DISAPPEARED from my account and Bank of America. When I made a claim, they simply sent me a brief communication, and closed my claim. 

BofA Never returned the money. I don't live in the US, but in XXXX ( SXXXX XXXX ). When I opened this account, I opened it years ago telling them I am not American citizen. I am telling this because, in order to transfer money from my account of BofA, I need to login into the account. But I was in XXXX that day ( XX/XX/2019 ) therefore, and It was impossible to authorize a transfer due to, BofA sends a SMS with the authorization code ( 6 digits number ) and IT is IMPOSSIBLE TO receive it outside the US, therefore ... I have NEVER RECEIVED a SMS code to approve any transaction, but BofA, simply ignored my claim and never returned my $ XXXX dollars back to my account.
Consumer complaint received 2023-01-02
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. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BV XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX WFDS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX