davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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)

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6500.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credova Holdings Inc (FL)

Credova told me in XXXX that my last payment was in XXXX. In XXXX they send me a notification that they were going to debt my bank account for another payment of {$160.00} They didnt debit my account and instead are coming back saying I owe them another XXXX. So they didnt take the money and instead are calling me 3-4 up to 5 times a day saying they have sent me to collections and need to resolve the issue. This isnt right, they were supposed to debit my account in XXXX and didnt and are now treating me with reporting to credit bureau .
Consumer complaint received 2023-02-08
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: TD BANK US HOLDING COMPANY (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 064 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose,
Consumer complaint received 2023-06-21
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: WELLS FARGO & COMPANY (NY)

I filed a dispute with XXXX  and a dispute with wells fargo, wells fargo furnished my credit report with a line of credit that belonged to someone else, wells fargo knew that the social security number was totally different from the social security number that belongs to my credit report. wells fargo denied the removal of the account for more than a year, I was accused of being the person who opened this wells fargo account, I sent wells fargo a copy of my social security card through the cfpb showing that the social was different, I was denied credit within the time of the wells fargo account that was being reported, I'm putting wells fargo on notice that I will be filing suit, for violating the fcra and furnishing my account with fraudulent information willfully, even after I disputed the information as being incorrect. I uploaded the documents from wells fargo accusing me of owing this debt,
Consumer complaint received 2023-02-27
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: DISCOVER BANK (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Bank have all violated my rights. 

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 2023-09-26
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc (GA)

My chime Account was closed XX/XX/2023 for note providing my documentation. I had provided my documents multiple times But I still have a unused balance on the Account {$8600.00} chime refuse to release my funds after I provided everything they have ask for. chime finally told me they have processed my funds of the Account XX/XX/2023 to be mailed to my address on file I havent received anything yet it been past 30 days. IM confused and stress because chime not telling me anything just telling me to email chime and chime keep sending the same email.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (OH)

XX/XX/year> I called and asked that every late charge be moved and the XXXX! day be removed. I had dealth in the family. And I just got out the hospital I was told to send a letter and the will do a goodwill deed. 

I truly believe that these late pays doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late [ payment/payments ] on [ XXXX XXXX XXXX XXXX ]. Im fighting a serious XXXX XXXX see attachment. I want you to know that I understand my financial obligations, and if it werent for circumstances that caused me to miss a payment Id have an excellent repayment record. # XXXX XXXX. Thank you for your consideration, and I hope you'll approve my request.
Consumer complaint received 2023-02-27
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. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

In accordance with the Fair Credit Reporting Act, Early Warning Services , LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 1602. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Early Warning Services , LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Early Warning Services had possession of my information.In addition, 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authorization - F.T.C. Violation. Early Warning Services , LLC is committing identity theft. Which is ILLEGAL. Furthermore ; they are storing PRIVATE banking information in their system which is owned by A PRIVATE TRUST which has the EXCLUSIVE EQUITY of that data. The following violations are being broken by Early Warning Services LLC. 1 ) FCRA and GBLA violations 2 ) Negligent Enablement of identity theft and fraud, 3 ) Willful noncompliance 616 Civil liability for willful noncompliance ( 15 USC S1681n ). The State of Florida laws that are being broken are XXXX XXXX. 
Section XXXX Criminal use of personal identification information XXXX XXXX XXXX Unlawful possession of the personal identification information of another person.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Someone with the same name as me, the same date of birth, who failed to pay the balance of their account and failed to return the equipment to XXXX ( XXXX XXXX ). 

This is the second time XXXX  has misreported a collections account as me. A few years ago I saw an account show up on my credit report as in collections. I disputed the account with XXXX, and within a few weeks it was removed. This time when I disputed this new account in collections, XXXX said that they confirmed it was my account, so I contacted the collections company I.C. SYSTEM INC. on XX/XX/XXXX to gather all the information I could on the account and see how this could be resolved. I spoke with a XXXX ID # XXXX who confirmed that the only information that matched mine was my name XXXX XXXX, and my date of birth, XX/XX/XXXX. The service address, phone number, email, is different. XXXX told me to contact XXXX and submit a fraud case. 

I contacted XXXX, opened a fraud case ( XXXX fraud case # XXXX ). The agent I spoke with confirmed that the social security number on the service account the collections account is regarding does not match my social security number, so I disputed the collections account with XXXX again, uploaded scanned copies of my driver 's license, social security card, and passport. XXXX closed the dispute on XX/XX/XXXX with the findings that I.C. SYSTEM INC. confirmed the collections account is me. So when I saw this today ( XX/XX/XXXX ) I called I.C. SYSTEM INCXXXX at XXXX XXXX  EST to ask how they are confirming the account belongs to me. The person I spoke with said that when XXXX investigates the dispute, they just confirmed the information that they have, which in this case, is just the name XXXX XXXX and the date of birth XX/XX/XXXX. I.C. SYSTEM INC. said they do not have this person 's middle name and they do not have this person 's social security number. 

XXXX  is asking me to file a police report claiming identity fraud, but I do not believe this other XXXX XXXX used my identity to open an account, I think XXXX  ( XXXX XXXX ) is improperly reporting the information to their hired collections company I.C. SYSTEM INC. 

I have an active service account with XXXX and I believe they're misreporting that information. 

It is extremely frustrating that this is the second time XXXX has done this, docking my credit score, taking up a lot of my personal time, and causing me undue stress.
Consumer complaint received 2023-02-08
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: USA Service Finance LLC (AE)

The company on the attached document violated the following laws. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy in accordance to the law.

15 U.S.C. 1681 Section 604 A. States that a consumer can not furnish an account without my written instructions.

15 U.S.C. 1692 C 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.
Consumer complaint received 2023-02-26
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. (TX)

XXXX XXXX XXXX, I have never dealt with XXXX I explained to them that my identity had been stolen and they did not understand I filed a claim with all 3 credit bureaus and they did not remove the account XXXX  XXXX co l XXXX, Also the same thing with this account, I filed a claim in all 3 credit bureaus and it appears again and I have never had any business with them nor have I bought any product with them.
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL has been sending me Parking Charge notices seeking payment for parking I already paid at time of services at their XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX to XXXXXXXX XXXX. I reached out to this vendor immediately upon receipt of first notice, but was only allowed to contact them by email ; they do not provide a phone number so you can't talk to anyone at all. By email I submitted my bank statement showing that I paid for not only this car, but my oldest daughter 's car that was parked with me in the XXXX XXXX XXXX known as XXXX XXXX XXXX for the same time duration that day as we were visiting my youngest daughter at her apartment. I provided copies of both payment transactions from my bank as I paid by credit card at the parking kiosk on site for both my car and my daughter 's car. They emailed me back and said they refused to accept my proof of payment from my bank. I did my research on this company... Please see what the XXXX XXXX XXXX complaints has to say about XXXX XXXX XXXX of XXXX XXXX. They have been scamming people claiming they did not receive payment when indeed they have. A class-action lawsuit claims XXXX XXXX XXXX  is violating state and local laws. I will not pay for parking I already paid for. They wanted {$78.00} initially ... now that they are using Oxygen XL collecting agency to collect so it is up to {$83.00} for which I refuse to pay because, again, I paid for my parking at time of my parking space occupancy on XXXX. As a consumer I want everyone to be protected from scammers like XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC (TX)

They sent repeated texts and calls giving no background information on who they are. This is XXXX with XXXX. Please give me a call back Have no clue who XXXX is. Plus, the numbers they were calling on were all different or didnt work. However, they called my mom and revealed to her I had a loan with them to pay, which is illegal. You are not allowed to do that or tell third parties about the debt. 

I assumed fraud and reported them to the FTC and FBI. 

Additionally, they were very rude to me, dismissive, abusive, smug and cocky to me on the phone. They have now allegedly verbally told me they are issuing a cease and desist with me because I am being ridiculous. Weird because they are the ones who have been harassing me and my family. Zero accountability for their behavior.
Consumer complaint received 2022-10-28
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. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentialality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX 15 USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2023-05-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

This is my formally written dispute of Navy Federal Credit Unions ( NFCU ) response in regard to Case number XXXX. I am respectfully requesting a formal investigation into the matter. The reference for this request is retrieved from XXXX XXXX XXXX I called the CFPB Hotline on XXXX XX/XX/2023 and was advised by a CFPB Representative to submit my written dispute as a new complaint. 

Thank you for your time in this matter.
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning a fraudulent account that has been reported by your agency, which I believe is a result of identity theft. I have recently discovered this account on my credit report, and I have taken immediate action to rectify the situation. Enclosed with this letter, you will find a copy of the police report I filed regarding the identity theft incident. 

Account Details : Account Number : [ XXXX ] Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1200.00} No. of Months ( terms ) : - High Credit : {$1200.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX I want to emphasize that I have never had any association with the mentioned account, nor have I authorized anyone to use my personal information in this manner. This account is a clear case of identity theft, and I request your immediate assistance in resolving this matter. 

I kindly request that Convergent Outsourcing undertake the following actions : Conduct a Thorough Investigation : I urge your agency to conduct a detailed investigation into the origin and validity of this account. It is crucial to establish that this account is a result of identity theft and that I am not responsible for any associated debts. 

Cease All XXXX Activities : Given the circumstances, I request that all collection efforts on this account be immediately suspended until the investigation is complete. Any further attempts to collect on this fraudulent debt will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Remove the Account from my Credit Report : Once the investigation confirms that this account is fraudulent, I expect Convergent Outsourcing to promptly notify the credit reporting bureaus and request the removal of this account from my credit report. The negative impact on my credit score resulting from this fraudulent account must be rectified. 

Provide Written Confirmation : Upon completion of the investigation and removal of the account from my credit report, I request written confirmation from Convergent Outsourcing that the matter has been fully resolved and that I am no longer held responsible for any debts associated with the fraudulent account. 

I have taken all necessary steps to protect myself from further harm, including filing a police report and notifying the credit reporting bureaus. I expect Convergent Outsourcing to cooperate fully in this matter and take appropriate action to rectify the situation promptly. 

Sincerely,
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

In my previous complaint I sent clear communication of what I need. This is direct contact being that the complaints are sent directly to companies. Since I have already requested my proof of debt to you directly thru the complaint, I will take you response of contact directly as a refusal because again, this is direct communication. And it is monitored. All proof of debt should be responded to this monitored and time stamped complaints. Here is your direct contact. If I dont receive debt validation in timely manner then I will pursue for violation. I am in process to seek legal counsel. Will continue to dispute. There is an option to reply to as well as upload documentation to this complaint. Again this is my second attempt after this Im prepared to seek litigation. All responses / correspondence /documents should be replied back to this complaint.