davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MS)

Credit collection services called me today XX/XX/XXXX and before that they called in late XXXX. I returned their call and spoke with a rep who says they are trying to collect a debt from XXXX that I incurred from XXXX XXXX. I initially did not recall ever having an account with XXXX XXXX seeing as the debt was incorrect around 6 years ago. I do recall having a policy with them but canceling it after they raised my rates after I was a hit and run victim. I do not recall ever owing them any money, or receiving any bills from them. I have never been contacted by them to resolve debt. In fact I recently went shopping for car insurance and received a quote from them they did not say I owed a balance. 
I also filed Chapter XXXX Bankruptcy in XXXX and discharged my debts. I told the woman I spoke with that I did not owe the debt, and I did not recall ever owing XXXX  XXXX. I have read online reports that they are not safe to do business with. I think I also asked them to stop calling me. They have also sent no communication by mail regarding this debt.
Consumer complaint received 2021-08-31
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. (NJ)

These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.
Consumer complaint received 2021-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

In XX/XX/2021 my home owners was up for renew, so on XX/XX/2021 I changed from XXXX with XXXX XXXX to XXXX  for XXXX because XXXX XXXX was going to XXXX which was to high. Five months later upon receiving my escrow analysis I found out that XXXX XXXX had not been cancelled and that I carrying XXXX XXXX and XXXX XXXX co I immediately called and cancelled XXXX XXXXthey returned the XXXX to and I sent the money back to shell point mortgage to be applied to escrow only in receiving that escrow statement shellpoint mortgage took me from XXXX a month, with XXXX going to escrow for my insurance to XXXX and some change. In eighteen years I, ve never seen my mortgage go so extremely HIGH.I have a fixed rate FHA mortgage.I believe this is illegal and I would like to have this looked into.In the beginning of my statement I ment to say my insurance was up for renewal. Shellpoint also stated that they were charging me for next years insurance because it was going to go up.Next year has yet to come.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information
Consumer complaint received 2021-08-31
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. (FL)

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collection XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 US SM BUS ADMIN ODA Inquiry date : XX/XX/2020 XXXX XXXX  Inquiry date : XX/XX/2020 Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Consumer complaint received 2019-07-19
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. (RI)

I checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on XXXX 1 ) XXXX XXXX XXXX   XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX. Experian 1 ) XXXX XXXX XXXX # # XXXX XXXX, RI XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX. XXXX  1 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 4 ) XXXX XXXX XXXX XXXX, RI XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 6 ) XXXX XXXX XXXX XXXX, RI XXXX. I never lived at any of these addresses.
Consumer complaint received 2023-07-21
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-21
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. (MN)

I received a letter from XXXX XXXX in regards to a notice of data breach and my personal information being stolen, compromised and used. The following accounts currently listed and showing on my XXXX, Equifax and XXXX XXXX credit report are all from the XXXX XXXX XXXX XXXX, fraudulent, unauthorized and not my credit card or personal loan accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-31
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: I.C. System, Inc. (DE)

On XX/XX/2021 I C System INC " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX  XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I C System INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.
Consumer complaint received 2019-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fein, Such, Kahn & Shepard, P.C. (NY)

Fein Such & Crane, XXXX, and XXXX all Violated the law by Dual tracking my loan while I was trying to work on a loan modification. They foreclosed while I was disputing the misapplied payments lost payments and money put in suspense. Fein Such & Crane Dual Tracked with EVERY SERvicer in violation of the LAW
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc (FL)

I had affirm in the past but it was included in XXXX  XXXX bankruptcy. 

I tried reapply year later and they said I cant have accounts cause I owe balances? But they were cleared out in bankruptcy! I apply again and all my information, driver license, address are correct then it says they cant verify my identity.
Consumer complaint received 2022-12-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

There were a few times that I disputed this bankruptcy with Experian the dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and presently. I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus, and I got a letter stating they do not report any bankruptcies to anybody. So, if that's the case. How did the credit bureaus edify my bankruptcy 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy.

According to:15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX and Experian are failing to update my information correctly, In XXXX I filed for XXXX  XXXX and they re-aged the discharge and reaffirmation on some of the cards that should have dropped off since the discharge was 7 years ago. 

Because of their errors Bank XXXX XXXX closed both of my accounts that I had since XXXX and XXXX respectatively - XXXX  ending XXXX and XXXX. 

First because of the XXXX Bank XXXX XXXX reduced my credit limit from XXXX to XXXX and XXXX on the card ( s ) which bumped up my utilization from 10 % to 90 %, Because of the error then Bank XXXX XXXX closed 2 cards which have been paid on time for years and still have open balances. 

These CRAs should be monitored or eradicated from having the ability of providing consumer information that is incorrect to the Financial Institutions. Thanks to their inaction my credit dropped from GOOD XXXX to POOR XXXX after it took me almost 7 years to build up my credit. 

The bureaus also have failed to drop off old inquiries that have expired making it seem I have more inquiries than I have.
Consumer complaint received 2023-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/2022 my mortgage was made current through XX/XX/2022, by the California Mortgage Relief Program ( see attached award letter ). On XXXX XXXX XXXX I received a letter from my mortgage servicer, LoanCare, that stated that FORECLOSURE will be suspended for 60 days ( the time my loan has been brought current ) and that I will be given till the end of XX/XX/2022 to accept a Loan Modification for terms I have not received. Stated in the letter, I am told additionally that my online access to my account will be continue to be restricted until my loan is brought current? I was also given contact details for a representative that I have been previously denied access to. I continue to be denied a single point of contact with whom I can get reliable, trustworthy status and next steps going forward. I have received nothing in writing concerning the status of my account, or details and terms of proposed agreements they expect me to enter into within the next 20 days. I am unable to manage my account online ( as should be accessible by their stated policy of being current ). I continue to be discriminated against for services enjoyed by all other debtors served by LoanCare. I do not have great confidence the correct status of my account is being reported to credit agencies as well.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/NELN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX 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 XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I am personally filing this complaint as my daughter previously did and was denied as she was not on the savings account that was ultimately affected. So I am filling now.l On XX/XX/24 multiple accounts at Chase Bank where simultaneously hit with wire fraud. We have NEVER used wires before. These hackers were so sophisticated that they were able to first do inter bank transfers from both of my daughters savings accounts ( which I am on ) into my and my husbands savings accounts ( which I am on, but they are not ). And then from my savings account, wired out three sums of money simultaneously to three different US banks/credit unions. The total amount that was fraudulently wired was {$XXXX} ( previous reports show {$XXXX} but that is just what was fraudulently moved around our accounts, but only {$XXXX went out to the hackers ). 


When we ask Chase how this happened, we get a different story every time, and now we get no response at all. One time they said the hackers used our voice to authorize the wires for a funeral? One time they said the hackers authorized it with the two-step verification? As as of lately, the bank will not confirm or deny at all how this was authorized. I want to make it clear I have NEVER done any wire transfers before, and for Chase to allow this to go out under such suspicious circumstances is grave negligence. Especially because after immediately received the fraud alert call from Chase, my husband and I IMMEDIATELY drove the 2 mins to get to our Chase branch. We were yelling at the top of our lungs ( all on Chase video which they will not give us a copy of ), that this IS FRAUD and to stop all money going out. While we were at the bank even, we received a spoof call from the hackers trying to authorize additional wires. The witnesses at the bank were XXXX XXXX and XXXX XXXX who saw that the phone call looked like it was coming from the Chase fraud department to my cell, which was odd, because we were already on with XXXX ( the branch manager and VP ) and the fraud department while we were sitting at the bank. I put the call on speaker. XXXX immediately recognized the phone number as the desk sitting next to her. Caught on camera, you can see my husband and XXXX go to the EMPTY desk that the spoof call was supposedly coming from. She was SHOCKED that the hackers able to impersonate Chase. We hung up and gave them no information as they were clearly the hackers and not Chase fraud.

We have filed police reports, and FBI reports. We are working with the bank as much as we can but they do not respond to us beyond " denied '' emails and letters and refuse to ackowledge that they messed up by allowing fraudulent wires out of our accounts 1 ) while we were at the bank saying not to allow them 2 ) while there are eye witnesses all caught on camera 3 ) while there is no evidence of codes received for verification which has been confirmed by XXXX XXXX XXXX 4 ) while we have never once used wire transfers before.
Consumer complaint received 2023-11-02
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (FL)

I PURCHASED A RECHARGEABLE BATTERY FOR A RECLINER SOFA AT XXXX XXXX XXXX ON XX/XX/XXXX. IT DOESN'T WORK PROPERLY ( LOSES CHARGE QUICKLY ) I TALKED TO THE PERSON WHO SOLD IT TO ME AND HE TOLD ME THAT THE PROBLEM WOULD BE SOLVED. AND AS OF TODAY, XX/XX/XXXX, I HAVE NOT RECEIVED ANY RESPONSE FROM THEM. I DO NOT WANT A REPLACEMENT. I JUST WANT MY MONEY TO BE REFUNDED. 
Purchase Date : XX/XX/XXXX Sales order : XXXX Customer ID XXXX Store Phone Number : XXXX Sales Person : XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX