davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/22 two {$31000.00} and {$6700.00} were unauthorized wire transferred to two strangers from my checking account caused by the Citibank 's promotion wanting consumer 's huge amount of money. I was not given the Client Manual nor the info how to prevent faud when opening the first acoount. Citibank did not set filter and alert as such suspicious activities occured while the Citicard found them and stopped, then informed me in a letter two times. I filed Affidavits and it has been under investigation since XX/XX/22 but the bank refused to give me the provisional credit as it was required by the law and their policy. They even failed to provide Swift code 1 and 2 and the IP address - the necessary information for FBI to do investigation to catch the criminals and prevent future fraud. The XXXX branch refused to help me out before and after the fraud, they lost my huge amount of money but did not want to take any responsibilies for it.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}.
Consumer complaint received 2022-01-04
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: Medical Data Systems, Inc. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Status Charge-off Status Updated Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX   Account # XXXX Account Status Charge-off Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Collection Contact Information XXXX XXXX XXXX XXXX XXXX, MS XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair credit reporting Act, DEPT OF EDUCATION/XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec. 2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc (VA)

My account number XXXX with Affirm was part of a bankruptcy and they keep trying to collect on it, I started my bankruptcy in XXXX and Affirm was added to it at the beginning of XXXX my bankruptcy was discharged and finalized in XXXX of XXXX, I paid the one Affirm account that was not part of bankruptcy for XXXX, but the account for XXXX was part of bankruptcy and i keep getting the run around from this company. most of their calls go overseas and the reps answering the calls don't even know what a bankruptcy is so they give me a hard time, Can you please resolve this for me and have them please delete this error off of all 3 credit bureaus. I would greatly appreciate any help you can give me. Thanks
Consumer complaint received 2022-06-03
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. (TX)

In accordance with the fair credit reporting act, Experian, XXXX, and XXXX has violated my federal consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

According to the 15 USC 1681 section 602 A States I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX. XXXX, La XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX  XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (AR)

Discover has been garnishing my paychecks illegally. I have a judgement that I never got serve papers for. I have contact them multiple times and they haven't done anything to settle this issues. I have encloses proof of them violating 15 USC 1692 laws.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

JPMorgan Chase as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks. 

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for Chase to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of Chase 's false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as Chase, then consumers like me are not protected. We are being bullied by big businesses such as Chase and credit bureaus.
Consumer complaint received 2022-06-09
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. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 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. 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 2021-02-11
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: DISCOVER BANK (FL)

Hello, I'm still having having serious issues with Discover Financial Services, LLC and XXXX  involving errounesly reported on my credit bureau. The item that XXXX  and Discover continue to mark as duragatory was placed on my Bankruptcy schedule as an honest mistake, yet, no one wants to help me with it's removal. In it's letter to my attorney, Discover clearly acknowedges that ( 1 ) There were never late payments, ( 2 ) The balance was paid in full, and ( 3 ) The balance was paid in full XX/XX/XXXX prior to my XX/XX/XXXX bankrutcy filing. Thus it should have never been on the bankruptcy schedule to begin with, just an error on my part that I'm being penalized for. I explained to XXXX  that no one is perfect and it was an honest mistake on my part that it was on the schedule and now it's causing me financial hardship in obtaining a loan on my personal residence. I explained the situation in it's entirety and they promplty removed it from my credit bureau in one day.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have fraudulent inquiries on all three of my credit bureaus that I do not recognize or I didn't authorize I have a identity theft report attached with all the fraudulent inquiries
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Klarna AB (MA)

Why does an inquiry for klarna/XXXX ( XX/XX/2021 ) appear on my credit report ( XXXX )? Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. Sincerely
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I contacted LoanCare servicing company, who bought our loan from the original lender after we bought our house, about my recent unemployment here in XXXX XXXX XXXX due to COVID-19 on XX/XX/XXXX. I submitted a request for help thru loss mitigation to see if we would qualify for a deferment for our home loan while we get thru this time. I received an email requesting more information on XX/XX/XXXX and documents to fill out. A LoanCare representative called me on XX/XX/XXXX and explained to me that currently they are not offering any deferment options besides a forbearance option, in which the total amount owed during that forbearance period would come due at the end of that term. If we are struggling to pay our mortgage now, with one of us not working, how would we be able to pay 3 X the amount at the end of that period. I asked if the federal gov't had made any mandates to LoanCare to help with this crisis, such as being able to skip a payment or two and tack it on to the end of the loan term, and she said no. Why is this large company not offering anything to support the people that have and are paying their mortgages on time in a time of pandemic. Other companies/ credit unions like XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in California have offered relief options but LoanCare offers nothing.
Consumer complaint received 2020-03-31
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. (SC)

Spoke with a representative of XXXX, XXXX  and Equifax, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which I did, and it came back verified. This isn't possible, Ive already file a report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, I just want to protect myself from any further damage, and get these accounts off my report, which has cost me denial of credit and higher rates when I did get approved. I was totally clueless of this account until recently in XXXX when I got my credit report.
Consumer complaint received 2020-03-31
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. (PA)

XXXX XXXX LAST SS # XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX XXXX XXXX Balance {$490.00} Opened XX/XX/XXXX XXXX XXXX XXXX   Balance {$100.00} Opened XX/XX/XXXX XXXX  Balance {$3600.00} Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$9900.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (NC)

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST (NM)

Bank of the West in response to an investigation into the account in question admitted bank error. ===With reference to your statement the Bank did not make payments you initiated, and deposits were not credited to your account, the Bank returned items as there were insufficient funds in the account. The deposit to which you are referring, occurred on a day where the systems were down. The Bank acknowledges and apologizes for the delay and processed the item as soon as it was brought to our attention. === However, no adjustments were made to the account because of these errors. Simply processing deposits when alerted to the error did not rectify fees on the contrary this error created excessive fees with reoccurring fees. Each acknowledgement and apology about All Bank created error was met with a fee. 

The Bank of the West representative also admits that the upper management representatives refused to close the account. Bank representative states as ===On XX/XX/2017, our records show you spoke with XXXX XXXX, Senior Retail Customer Services Officer/Vice President , regarding the status of your account=== with all the knowledge of all employee mishandling of the account, Bank generated errors, less than professional service in the two Banks- XXXX XXXX Branch @ XXXX and the XXXX XXXX @ XXXX XXXX and a written request to sever all association with the Bank for stated problems and more issues with customer service phone line I believed the matter was over and association with this Bank was severed when I received a check from the Bank of the West. 

Bottom line the Bank did not rectify Bank error and an account was not closed. Allowing fees to accumulated without adjustments or correction for Bank created and generated errors. The Bank collected insurance and the account was sent to collections. I was misled, by the Bank of the West, with the receipt of a Bank of the West check after all requesting 's to sever all association with the Bank of the West.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

PayPal is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Paypal nor was I aware that an account was ever opened in my name. PayPal is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Paypal.

In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account.

I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OH)

XXXX XXXX XXXX claims to have billed Flagstar Mortgage for my policy. Flagstar claims no bill was recieved. Flagstar claims a partial payment was made but returned by XXXX XXXX. So the policy was cancelled, this is the second time this has happened. the first time XXXX XXXX reinstated a policy i cancelled instead of applying the funds to the proper policy. i called all parties about the change in policies. It was not until a claim was made and the deductible was XXXX higher than the replacement policy i purchased, When i called about the deductible I realized the old policy was back. Both parties just pointed fingers and refused to accept responsibility. It wasn't until I said I was calling the Atty General that XXXX XXXX stepped up and corrected the problem. Flagstar raised my house payment by XXXX per month to insure escrow would balance with the new policy amount. This wasXX/XX/XXXX, the same thing has happened again. In XX/XX/XXXX, I was charged XXXX for a policy supplied by Flagstar when they should have just paid the XXXX one. The 2 of them are blaming each other. In the meantime. XXXX XXXX says they can not reinstate the policy. I feel i should not have to pay the XXXX difference in the cost of the Flagstar insurance due to errors on the part of these 2 companies. I just realized I'm being charged this new amount. I'm getting the same runaround I got the first time they did this. No one wants to admit an error.