davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (TX)

On XXXX XXXX I called the Creditor which is Victoria Secret also listed as Commenity Bank in regards to the account that was closed last year but was still being reported as opened and late on my credit report XXXX  under XXXX different amounts one for XXXX dollars and the other for XXXX dollars. Victoria secret agent informed me that even though the account had been closed by me do to fraud that it was still being charged because of the insurance that was on the account when it was first opened. I told her I dont have insurance on my card and never needed it since it was a small limit. She told me to call Account XXXX who does the insurance for all XXXX XXXX Bank accounts. I called and spoke with a supervisor after waiting over XXXX minutes to be transferred. The supervisor got on the phone and told me to contact the Credit Bureaus directly. I contacted the XXXX Credit Bureaus and was told that they only report what is reported to them by the Creditor. So I called back Victoria Secret and told them what the Credit Bureau said and they told me to dispute it with Credit Bureaus and the Credit Bureau would reach out to them and they would respond. So I tell her why do I need to do all of that for something that was reported by them that I was not aware of nor did I authorize it. She said that is how we do it.
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-18
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

Complaint Against : Wells Fargo XXXX XXXX Issue : Fraudulent Refund Check for Expired XXXX XXXX Money Order I mailed an expired {$500.00} XXXX XXXX Money Order to XXXX XXXX with the XXXX XXXX refund form. 

I received a {$470.00} Wells Fargo check as a refund for an expired {$500.00} XXXX XXXX money order. 

I deposited the check into my Wells Fargo checking account on XX/XX/2019 and it was returned, unpaid, on XX/XX/2019. 

I am requesting a 100 % refund of the {$500.00} paid with a Bank/Cashier 's check. 

There has been no reply from either XXXX XXXX or Wells Fargo. 

It appears that both XXXX XXXX and Wells Fargo are in a conspiracy to not pay refunds for expired money orders.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

THIS IS NOT A DUPLICATE COMPLAINT. Equifax is reporting an old account incorrectly on my credit report. The item is through XXXX XXXX XXXX, originally through XXXX, account number XXXX. The Type Of Account is displaying as OPEN on my credit report, even though the account has been closed and paid in full since XX/XX/16. Equifax even is reporting the date of the last payment, as well as the fact that it has a XXXX dollar balance, but still displays the TYPE OF ACCOUNT as open. This is incorrect. This account should no longer be displayed as open on any of my reports. It was CLOSED and PAID IN FULL several years ago. I have included a letter from XXXX  XXXX XXXX   confirming this as true, as well as a copy of the item directly from my Equifax report with the error circled.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax is reporting inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name listed on my consumer report. My address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other address listed on my consumer report. Each credit bureau is listing different information other than whats correct. The below information needs to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLXXXX XXXX CREDIT COLL  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLL XXXX  CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Alorica Inc. (TX)

I got a loan with XXXX and a portion of my loan was deposited to a savings account. I signed a contract with Seedfi stating I would receive the amount in my savings once I paid off my loan. Unfortunately XXXX sold my account to Systems and Services Technologies on XX/XX/XXXX. I paid off my loan on XX/XX/XXXX and My bank cleared the payment the next day. I was told by one of SST 's customer service representative my savings would be deposited in 14 days, another said 22 days and another one said on XX/XX/XXXX. I still have not received my savings and now another representative said I would would receive it on XX/XX/XXXX ( XXXX business days ). 
They sent me an email on XX/XX/XXXX stating my account was paid on XX/XX/XXXX which is not accurate and has me thinking they put a later date to delay depositing my savings. 

The following is information from my savings account statements provided by XXXX : My first statement Beginning Balance, as of XX/XX/XXXX : {$0.00} Deposits and Other Credits : {$2000.00} Ending Balance, as of XX/XX/XXXX : {$2000.00} My last statement Beginning Balance, as of XX/XX/XXXX : {$2000.00} Deposits and Other Credits : {$0.00} Ending Balance, as of XX/XX/XXXX : {$2000.00}
Consumer complaint received 2019-05-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (RI)

I left the Active XXXX in XXXX and took a lower paying job. My property tax and other fees increased and by XXXX I was struggling to keep up with my mortgage payment. I've been working tirelessly with Caliber Home Loans, company who holds my mortgage, and they are forcing me into foreclosure even when I've finally received a pay raise and enough money to keep my property. They refuse to allow me to submit a loan modification with my new finances which would allow me to stay in my home and avoid foreclosure or bankruptcy. Caliber Home Loans is putting a veteran out on the streets for no reason.
Consumer complaint received 2023-03-23
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. (VA)

To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Veried. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verication.
Consumer complaint received 2023-03-23
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center (NY)

We received a letter from Arstrat claiming we owed {$760.00}. It was claimed this was in relation to the doctors at XXXX XXXX XXXX. We had already resolved this so I had my husband contact this company. I gave them permission to discuss with my husband. The following is my husband 's notes on the call " I spoke with a person who identified them self as XXXX. I stated we did not recognize the debt, that we dispute the debt and that we wanted written verification. The very first thing XXXX told me was that we didn't need to dispute the debt and she didn't want to put it in dispute. I told her that we indeed wanted to put the debt in dispute. 

I then addressed written verification. XXXX first said that as a collection agency then do not provide verification. I explained I was familiar with applicable law. Then she said they did not have any verification. I told her that without verification they could not pursue this debt. At this point she told me that she'd hang up on me if I kept asking for verification I found the entire conversation unprofessional and it began to seem rather shady. I told her again, this was now the 5th or 6th time, that we were requesting verification and that if ARSTAT can not provide it, they should not be trying to collect. 

According to XXXX XXXX XXXX XXXX system we do NOT owe any money. They claim they don't even use this company. '' We want this removed from our credit report immediately!
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp (NM)

I honestly have no idea what this collection is or about. I believe it's from when I was involved in a serious car accident was flown out by a helicopter to a hospital .... but im only guessing that's what this is pertaining to. I am now more knowledgeable about my financial life and I came across my credit ... I now see this collection is affecting my credit tremendously ... at the time of the collection opened in XX/XX/2015 I had not even the slightest clue what credit was. That was more than 4 years ago this is how long this collection was affecting me I had no Idea til now. The collection balance is {$730.00} an amount I truly cant afford. In the case of the company trying to contact me I didn't even know what a collector was if somebody called my phone and I didn't know the # that's an easy no answer.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M. G. Credit, Inc. (FL)

When I contacted the company to ask how did I owe them the agent told me for medical bills and the dates I suppose to went which is violating hills rights and that I need to pay or its never going to come off my credit and my credit will always be ruin. I ask was there anyway to prove he said yes we sent a letter in XXXX which I never received and I ask for another one to be sent and was told no they dont have to keep sending me letters either I pay or its just going to stay on my credit.
Consumer complaint received 2019-05-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/2019 I started a refinance of my house with Quicken Loans.The loan officer 's  name is XXXX who told me that I had to deposit {$500.00} for the appraisal which I complied with.I gave XXXX my wife 's XXXX XXXX credit card number. After a few days XXXX called me and told me that the appraiser was coming to my house in two days, to which I replied that he needed to cancel the appointment with the appraiser, because I didn't want to do any more business with Quickens Loans because they were charging me too much money for the closing cost. Then the appraiser showed up to my house and I explained to him that I had canceled his appointment with Quicken Loans and that I had asked the loan officer to contact him and let him now that I didn't need his services any more. The appraiser told me that he was going back to his office and report this to VA. 
After that I started dealing with XXXX XXXX ( XXXX ) XXXX and I told her that I needed the rest of my money but I haven't received any help.
Consumer complaint received 2022-03-12
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. (GA)

Please remove this account XXXX has placed in my credit report it is fraud and it was open with out my permission, the account is for XXXX and it was open in XX/XX/2022, I have attached a ftc identity theft report to this complaint and a copy of the account this on my credit report, this account was open fraudulently and it does not belong to me, I hired an attorney to sue XXXX, all my personal information has been leaked and exposed by XXXX, my social security number and my drivers license number and other information, the collection account is XXXX XXXX XXXX, this is a fraud account please remove,
Consumer complaint received 2019-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (TX)

This company has called me repeatedly using different lines and will not disclose what the phone call is about. They are asking me to verify information from 10 plus years ago and I am not comfortable giving out personal information to people or companies that I do not have any knowledge of. I have repeatedly ask them to specify why they are calling and they have refused. I have also asked each caller to stop contacting me immediately. My requests have been ignored and the contact phone calls have increased. 

This is now affecting my employment. The repeated calls have been noticed and remarked on my by employer.
Consumer complaint received 2023-03-23
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. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (AR)

XXXX CITIZENS BANK ACQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX THEREAFTER. WE ARE HAVING DIFFULTY LOCATING SEVERAL ACCOUNTS IN THE NAME XXXX XXXX XXXX XXXX SS # XXXX OPEN IN XX/XX/XXXXAND SEVERAL ACCOUNTS IN THE NAME OF XXXX XXXX XXXX AND XXXX XXXX XXXX ( DECEASED XX/XX/XXXX-XX/XX/XXXX ). PLEASE FURISH ALL RECORDS ON ALL ACCOUNTS.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.