davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

These reps keep calling from XXXX. They have been reported before to you by me. This company must try to collect under different companies name but the phone number is the same because I remember it. They called on XXXX/XXXX/2015 then again on XXXX/XXXX/2015 at XXXX I advised the rep they were told XXXX XXXX does not have my number earlier this week and I was told they would remove it. She stated again it would be removed. This company has called me before XXXX and they always say the phone number is being removed. Again I have reported them to you apparently you are not doing much about it either.
Consumer complaint received 2023-06-16
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: Affirm Holdings, Inc (VA)

XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX Affirm , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX You are in Direct Violation of The Fair Credit Reporting Act ( AFFIRM INC & Account # XXXX ) has violated several of my rights. 
XXXX6 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy.

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 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2017-05-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (SC)

O n    XXXX   XXXX    ,2017   I  sent  NCC Business Services a  pay for delete letter and a {$50.00} check to have the record removed f rom all    XXXX   credit reports upon cashing the check. NCC is attempting to collect a debt that was previously handled.
Consumer complaint received 2023-06-16
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: FactorTrust, Inc. (TX)

XXXX along with their affiliate XXXX processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my XXXX report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

I received a 1099c to pay taxes from Chase credit card in XXXX after I have been trying to resolve a fraud case against my credit card since XXXX. My accountant has requested I request the FTC and CFPB look into this case further as he believes this case should have been documented as a fraud case back in XXXX and it never was by Chase. 

Chase has never acknowledged receiving or assisting in my requests and case. I have attached proof of the fraud and hacker who stole {$30000.00} from not only my Chase credit card, but also another card and my checking account back in XXXX after applying for a scam loan company called XXXX  or by XXXX XXXX. I submitted documentation via fax 2 different times in XXXX, with no resolve. This past year again, I've been trying to resolve this case including trying to pay off the account from a delinquent account and settlement offer by Chase in XXXX. Even after paying an agreed portion of the account, Chase still has never acknowledged the fraud or has closed my account. It is expected I will have to pay over {$10000.00} in taxes because this was not resolved properly by Chase. Please find all attached documentation and call me with any further question. Please help me as I can not afford to pay {$10000.00} in taxes this year. I was asked to file in XXXX with the attempt to resolve this with Chase. Chase has not responded to my requests this year by phone, email or any communication.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Neon Newco Corporation (OH)

XX/XX/XXXX i LOADED XXXX  ON MY PREPAID XXXX XXXX FROM NETSPEND XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX IN XXXX OHIO XXXX  FOR A TRANSACTION OF XXXX MEMBERSHIP WITHXXXX  AT XXXX XXXX uNIVERsity at XXXX XXXX XXXX XXXX where I graduated from a XXXX XXXX XXXX and I am part of the XXXX XXXX at XXXX XXXX   university and while at the XXXX XXXX XXXX a XXXX lady used her mind power to make me mistake my credit card number to not make the transaction succesfully then as soon as I reach the XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX   where I was working and staying it is a men shelter I occured some problems in the computer room up stairs XXXX was unauthorized taking from my netspend XXXX XXXX prepaid account and I disputed it 0n XX/XX/XXXX and they closed down the card prepaid XXXX XXXX  ending in XXXX and said they had to closed the card down and re issue me another card because I did not authorize the transaction for XXXX XXXX XXXX  for XXXX and XXXX XXXX XXXX on XX/XX/XXXX for XXXX  and XXXX  so he said when he closed the account down it would take 7 to10 days to resolve the issue then when after 7 to 10 days they said it will take another XX/XX/XXXX then after that they said it will take XX/XX/XXXX every time they prolong the date because they are showing their buts tring to used my biggest form to fight against my grandfather chief XXXX XXXX  the head of XXXX XXXX XXXX XXXX in XXXX XXXX  my uncle XXXX XXXX XXXX is on the phone asking my biggest form to fight with him but my grandfather XXXX XXXX in XXXX tennessee said no to XXXX  my biggest form my uncle wants to show his but with caused me a lot of hardship and lost a lot of money and even got me evicted from my apartment with XXXX XXXX and XXXX XXXX and they even XXXX my girl XXXX XXXX   because of it.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc (MD)

On XX/XX/XXXX, XXXX, I received a call from Biehl & Biehl attempting to collect a debt regarding XXXX XXXX XXXX On XX/XX/XXXX, I responded via email to Biehl & Biehl and provided documentation to its collection representative that the XXXX XXXX XXXX was paid in full and provided a copy of XXXX Quote ( required for the bill of lading ), a copy of my credit card statement showing the charge, and a copy of the bill of lading. On XX/XX/XXXX, I received a call from Biehl and Biehl. This time asking to speak to a XXXX XXXX XXXX. After responding that I am not with XXXX XXXX XXXX, I spoke to the Collections Manager at Biehl & Biehl and provided documentation to him via email that I am with another company and also provided documentation that my charge with XXXX was paid in full. The Collections Manager responded via email on XX/XX/XXXX " Receipt acknowledged, thank you. I will be back in touch shortly. '' No response was received. In XX/XX/XXXX, I received a letter from Biehl & Biehl addressed to XXXX XXXX XXXX demanding payment and stating that they have " attempted to contact me without any success. '' Again, I contacted Biehl & Biehl and indicated that I am not associated with XXXX XXXX XXXX and the bill of lading they provided in XX/XX/XXXX was to another company and it was paid in full as documentation I provided to them showed.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

Multiple calls from a company that wouldn't share their name, then eventually said they are Diversified Adjustment Service and say I owe approx {$130.00} to XXXX XXXX XXXX. They were ready to take a credit card immediately to process the payment. I said I wasn't comfortable doing this and asked if they had a website. She said they did, but as I walked from the car to the office, the call was dropped. I immediately called XXXX XXXX  XXXX, they said they never turned in unpaid debt to collections and in fact my accounts are in great standing, many of them with credits on them. 

The most recent number I received from these " phishers '' as XXXX XXXX  XXXX called them was XXXX.
Consumer complaint received 2020-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc. (TX)

I have been the victim of identity theft and had multiple accounts opened under my name without my consent including R.S Clark and Associates. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and this company has failed to comply with FCRA reporting guidelines for Fraud/ID Theft.
Consumer complaint received 2021-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Contacted creditor at the beginning of the pandemic requesting to change payment date from the seventh to the XXXX. Months later I applied for a mortgage approval that I was approved for {$400000.00}, my lender said that my XXXX balance was a bit higher than expected to be and the car payment amount seem to be high which was reported to be over {$900.00} per month at that point. I called the creditor to fix the situation they said they can not do that. I filed a dispute and the creditor retaliated by putting five late payments on my report. Creditor refuses to stay in compliance with the governor XXXX XXXX executive order in the state of New Jersey that states no creditor or credit reporting agency should report delinquent late payments if the account was not in delinquent status prior to when the pandemic began until 120 days after the state of emergency ends which is XX/XX/2022. This creditor has cost me a mortgage denial of {$400000.00} plus {$3000.00} per month for six consecutive months for an extended stay hotel suite . I am asking the lender to contact there legal department and review the governors executive order in regards to credit reporting and the pandemic that is still in affect and remove the two late payments that they put on there. This is financial abuse to me and my family and I will seek civil action in regards to monetary and credit losses. My credit score went from excellent credit to fair credit which cost me numerous denials based on their error.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Incorrect Previous Address on Credit Report Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding an incorrect previous address listed on my credit report. I have discovered that the credit report from Experian contains inaccurate information that adversely affects my credit history and financial reputation. 

Specifically, the incorrect previous address appearing on my credit report is as follows : - Incorrect Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX - Correct Previous Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX I have thoroughly reviewed my records and possess verifiable documentation confirming my correct previous address. These documents serve as clear evidence of my accurate previous address. 

I kindly request your assistance in rectifying this error promptly. Please ensure that the inaccurate previous address is corrected or removed from my credit report to accurately reflect my credit history. 

Enclosed with this complaint letter, you will find copies of the relevant supporting documents, including [ list the attached documents ]. These documents substantiate my claim and will aid in your investigation of this matter. 

I understand that the Consumer Financial Protection Bureau acts as an intermediary between consumers and credit reporting agencies. Therefore, I kindly request that you forward this complaint to the appropriate credit reporting agency, ensuring a thorough investigation and prompt resolution of this dispute. 

I appreciate your attention to this matter and your efforts in resolving this dispute. Please keep me informed of any progress or updates regarding the investigation. I eagerly anticipate the correction of my credit report and the removal of the inaccurate previous address. 

Also I am no longer employed with XXXX XXXXXXXX. 

Thank you for your assistance in this important matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
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. (NJ)

Contacted creditor at the beginning of the pandemic requesting to change payment date from the seventh to the XXXX. Months later I applied for a mortgage approval that I was approved for {$400000.00}, my lender said that my XXXX balance was a bit higher than expected to be and the car payment amount seem to be high which was reported to be over {$900.00} per month at that point. I called the creditor to fix the situation they said they can not do that. I filed a dispute and the creditor retaliated by putting five late payments on my report. Creditor refuses to stay in compliance with the governor XXXX XXXX executive order in the state of New Jersey that states no creditor or credit reporting agency should report delinquent late payments if the account was not in delinquent status prior to when the pandemic began until 120 days after the state of emergency ends which is XX/XX/2022. This creditor has cost me a mortgage denial of {$400000.00} plus {$3000.00} per month for six consecutive months for an extended stay hotel suite . I am asking the lender to contact there legal department and review the governors executive order in regards to credit reporting and the pandemic that is still in affect and remove the two late payments that they put on there. This is financial abuse to me and my family and I will seek civil action in regards to monetary and credit losses. My credit score went from excellent credit to fair credit which cost me numerous denials based on their error.
Consumer complaint received 2023-06-16
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: CarMax, Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX CarMax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Carmax & account # XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy.

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 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (PA)

Td bank were my accounts are XXXX was used to send XXXX payments to a scam for a puppy. The person was on XXXX and started to try to extort money said itvwould be refunded. A fbi complaint was filed, the messages were given to the Bank along with several other documents proving the scam and the demand for money. In all XXXX payments were sent XXXX and XXXX. My husband is a double amputee vet on XXXX I'm on XXXX with XXXX XXXX. The bank denied the complaint. Even with the messages from the person stating he would refund.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (IL)

I recently reviewed my report and noticed 17 Credit transactions and accounts being reported inaccurately. i called the company ( Early Warning ) XX/XX/2021 and asked them to correct the inaccuracies. They refused to do so at that point i asked them to exclude my name completely from their List as my right per FCRA Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681B Subsection E. I wrote them a letter to notify my Election of Exclusion 10/18/2021 and they have yet to Respond.
Consumer complaint received 2021-10-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP (GA)

Aldridge and Pite, LLP and XXXX  XXXX  XXXX, XXXX are attempting to collect a debt on behalf of XXXX XXXX XXXX. XXXX  XXXX  XXXX, XXXX, purports to be a mortgage servicer servicing a loan on behalf of an investor by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, XXXX  XXXX  XXXX  XXXX  XXXX. 
However, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX XXXX  XXXX ; has contended that they are not the owner of the loan, they are not the owner of the land nor are they in any way shape or form involved with any foreclosure proceedings. These documents were forwarded to Aldridge Pite , LLP Naturally, XXXX  XXXX  was asked to : Validate the Debt, Provide Accounting, Verification of Claim from their alleged client the XXXX XXXX XXXX XXXX  XXXX, A copy of the contact that binds both parties with signatures by both and or all parties, A Copy of any and all invoices from the XXXX XXXX XXXX XXXX  XXXX showing XXXX XXXX XXXX owes a debt to them, Any and all other proof a debt is owned to their alleged client The XXXX XXXX XXXX XXXX XXXXXXXX. 
The same questions have been asked for years and XXXX XXXX has not been able to provide any of the documents enlisted above. It is clear, a debt is not owed to the XXXX XXXX XXXX XXXX XXXX. However, XXXX XXXX XXXX XXXX keeps accelerating a fake debt on their behalf, which triggers the advertisement of a Non-Judicial Foreclosure Sale. This is not legal or lawful nor can they legally or lawfully foreclose on behalf of the XXXX XXXX XXXX XXXX XXXX  when the XXXX  XXXX XXXX XXXX XXXXXXXX stated on several different occasions by several different forms of communication that they in fact are NOT THE OWNER OF THE LAND OR HOME. An error has been made on the account that XXXX XXXX XXXX XXXX illegally holds on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX are not interested in correcting the problem. If anything, they stand to financially gain from this error by imposing a debt that XXXX  XXXX  XXXX, XXXX nor the XXXX XXXX XXXX XXXX  XXXX had/have a vested interest in. Which means they would foreclose and profit from the proceeds even though they never made a vested interest in the collateral of the home or alleged mortgage note. Both XXXX XXXX and Aldridge Pite , LLP have violated : 15 USC 1692d 806 ( 3 ) 2. ) 15 USC 1692d 806 ( 4 ) 3. ) 15 USC 1692d 807 ( 2 ) ( A ) ( B ) 4. ) 15 USC 1692d 807 ( 4 ) 5. ) 15 USC 1692d 807 ( 5 ) 6. ) 15 USC 1692d 807 ( 9 ) 7. ) 15 USC 1692d 807 ( 10 ) 8. ) 15 USC 1692d 807 ( 14 ) 9. ) 15 USC 1692d 808 ( 1 ) 10. ) 15 USC 1692d 808 ( 6 ) ( A ) 11. ) 15 USC 1692d 808 ( 6 ) ( C ) 12. ) 15 USC 1692d 809 ( b ) 13. ) 15 USC 1692d 808 ( e ) 14. ) 15 USC 1692d 812 ( a ) without prejudice
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP (MI)

On or aboutXX/XX/2019 Mandarich law group , LLP posing as attorney for XXXX , XXXX, a shell corporation previously divested of all assets in bankruptcy, did serve or cause to be served a " request and writ for garnishment ( periodic ) '' on this honorable consumer. 
The unsigned request and writ for garnishment was also filed with the XXXX district court of Michigan. 

This consumer performed a search of state records through the Michigan department of licensing and regulatory affairs, and found that neither Mandarich law group , LLP nor XXXX , XXXX are licensed as collection agencies as required by state law. This consumer has ordered verification of licensure from the Michigan department of licensing and regulatory affairs showing the unlicensed status of the above named entities. 

This consumer believes based upon knowledge thus far gained through public records that Mandarich law group , LLP and/ or XXXX , XXXX are violating federal and state consumer protection laws in an unlawful enterprise. 

Screenshots of Mandarich law group , LLP indicate that they are a debt collectors, are included as uploads. 

P.s. this consumer has previously filed a complaint with the CFPB # XXXX XXXX aimed at XXXX , XXXX , but does not expect a response as XXXX XXXX is a shell corporation .