davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7th letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my 7th notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION AND ENTIRE WALLET WHEN I WAS ROBBED AT GUN POINT IN XXXX OF XXXX AT XXXX. EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION ALONG WITH MY OLD ADDRESS ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) AND MY STOLEN IDENTIFICATION TO OBTAIN LOANS AND CREDIT. 



My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

Chase Bank decided to close my 4 credit card accounts and mentioned it was due to a " pattern of abuse ''. When I reached out to the Executive Office on a recorded line, I mentioned that I had a lot of service cancellations and disputes ( I found out recently I have an extreme XXXX XXXX  and when merchants tell me they can not guarantee safety and fail to refund me as a result, I had the need to dispute these charges ). I was assured this is never the reason for an account closure, yet I was not provided with one. I rely on my credit cards for my day to day expenses and it deeply saddens me to see this happen.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (UT)

Waypoint is reporting a debt on my credit file. I called and tried to settle this account multiple times but every time i call in they can not find my account. I have tried to contact them a handful of times and each time they can not find me in their system. This collection is affecting my credit score and it is very import that i get this paid but if they can not find me in their system then i need this account removed from my credit file. I have also disputed this account with no response from the credit bureaus or the creditor. I need this collection removed from my credit file.
Consumer complaint received 2020-06-23
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. (NC)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX  XXXX {$1300.00}
Consumer complaint received 2022-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NY)

Hi there, On XX/XX/XXXX I purchased a flight to XXXX XXXX for a vacation with friends on XXXX XXXX : https : XXXX and paid for my purchase which included a purchase protection plan via Affirm : https : //www.affirm.com On XX/XX/XXXX, my travel plans required amendments and curiously did not receive any confirmation email with my boarding pass or itinerary. When I reached out to XXXX XXXX they said they were unable to support my request and directed me to a shady third party website to file a claim. 

I immediately filed a claim with Affirm to kick off the process for a refund. Apologies for the number of screenshots their support site would not let me view a larger frame of the conversation. 

I then filed another request on XX/XX/XXXX to XXXXXXXX XXXX to resolve the issue. I was then left in limbo and had to purchase the another flight via XXXX. On XX/XX/XXXX I reached back out to Affirm for an update, got nothing. On XX/XX/XXXX again got nothing. Yet again on XX/XX/XXXX, got nothing. Even yet again on XX/XX/XXXX got nothing. Finally on XX/XX/XXXX I got a ruling in favor of XXXX XXXX. 

I was extremely frustrated though because I did not want this to affect my credit score I paid in full immediately. However this company is clearly a fraud. I had found their yelp and there are at least XXXX XXXX star reviews from customers experiencing the same issues.
Consumer complaint received 2020-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To whom it may concern : I am disputing the account XXXX XXXX XXXX. I have repeatedly asked for validation of this debt because the debt holder is charging interest and fees without providing a billing statement for fees or a contract that I have yet to receive. Under the rules of the FDCPA this creditor must follow the terms of the original contract as far as what fees can be added to the debt. I spoke to the original debt holder XXXX XXXX XXXX on XX/XX/2020 and was told there are not supposed to be any additional fees added to the original debt. I am enclosing the multiple requests I made to the 3 bureaus for a validation of this debt and I have also contacted the debt collector and no one has provided me a copy of the original contract. The bureaus have stated the debt has been verified as accurate, how are they verifying the debt if I can not get a copy of the original contract and I am the consumer. I am also enclosing a copy of the 3 bureau report to show inaccuracies that XXXX XXXX  is reporting and the credit bureaus have continued to allow this company to report this account with inaccuracies and without a fee statement as to why this balance has increased without notifying the customer. XXXX  has ignored my requests for proof of how they verified the account as accurate. I am asking for a deletion due to the inaccuracies and failure to provide an original contract and unauthorized charges and fees. I have also sent proof of my identity with a notarized copy of the ID.
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed this account time after time for the better part of a year and a half, all the bureaus say its verified with absolutely no proof of the account that should meet the fcra standards. Theres no true investigation going on, I have no ties to the alleged address they stated I lived at. The amount is XXXX, and the year date of the account is from XX/XX/2016.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing this account for a long time already but despite all my efforts to correct my Credit File, the Credit Reporting Agencies never took action to verify the authenticity of the information this account reports. I have a loan with XXXX XXXX XXXX with Balance Owed : {$72.00}. I have been a good payer with this company and I never missed a payment, but upon reviewing my Credit Report, the Credit Bureaus have been reporting this account as late. There is probably an error with the Credit Bureaus ' part. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (CA)

I applied to refinance my house middle of XXXX via a known broker in the area ( XXXX XXXX XXXX XXXX ). After shopping for the best option, they recommended to go with Sprout Mortgage. The application was approved around end of XXXX and final clearance met with all conditions removed ( ready to close by XX/XX/XXXX ). This is when the problems started.

Sprout Mortgage has completed stopped communicating back with my broker and me. They are no updates on when I will be closing on the approved application. We spent hours going through this process and after 2 months of pain-staking efforts, providing countless documents and meeting all conditions, the lender has completely gone silent. Can you please help?? Thank you.

NMLS Info for Sprout Mortgage # XXXX Sprout CA DBO License # XXXX
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Experian has not operated within the parameter set in the Fair Credit Reporting Act which in pursuant to Fair Credit Reporting Act 1681i ( a ), the XXXX that receives the dispute must conduct a reasonable reinvestigation of the dispute in regards to XXXX Account XXXX. Experian has not conducted a proper investigation. The initial investigation was took well beyond the 30 days allowed in the FCRA. My initial disputed stated that XXXX Account XXXX had also violated by rights under the FCRA which states in Section 604 A Section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Initial notification to bureau about dispute : XX/XX/2022 Bureau closed dispute on : XX/XX/2022
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (SC)

Your company did not validate the debt, you sent me a list with my XXXX  procedures which is a violation on HIPPA! Not to mention that is NOT my signature on that document!! I tried to handle this the correct way, but I will have to get my attorney involved. Not only is HIPPA against the law, falsely signing documents is a criminal offense. I want this removed from my credit report immediately!
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I reached out to XXXX  and XXXX diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and account reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report. 


I am demanding that this account be deleted.
Consumer complaint received 2022-07-22
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (GA)

I had accounts between XXXX with TD bank and all my accounts close and all the accounts had fees access to the account not only the fees but TD share my information without my consent and the fees that were charge on my account were fees were a merchant submitted payment to my account for the same amount multiple times. 

The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Pursuant to Fair Credit Act section 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to Privacy section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.C 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Hello, Wells Fargo charged my {$35.00} x 3 because of transactions that I was not well informed on and I tried to stop them and ask questions but they didn't provide much direction on what I was supposed to do so I ended up searching for other ways. 

They should have guided me in the right direction but fell short and it totals up to {$100.00}. Which is a ton of money right now that was all the money I had. Then I called and they were being rude towards me and giving me the cold shoulder. I've been a customer for 5 years plus and they said their system wouldn't be able to generate any of the money back into my account. Really??! You can give me anything back of the {$100.00} that they took from me during a pandemic and financial struggles. I wasn't fortunate enough to get a stimulus check either so I was already down on my luck. 

I'm requesting a reimbursement for my {$100.00} and proper guidance on how this can be stopped from ever happening again. Also I want my money with the contingency that I'll still have an account open with Wells Fargo after. Thank you. 

XXXX XXXX
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XXXX I closed the account and made payments for a year plus but the interest kept increasing the balance and the company refused to assist with the problem. I was unaware that I had other recourse. The company refrained from sending notices. I ran into hardship during corna virus as I contracted the virus and was laid off from my job in XXXX. I have a new job from XX/XX/XXXX until now. 

Without notification Capital took my debt to court and have now sent garnishment paperwork to my new job.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection agency Midland Credit Management has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.

I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with Midland credit management or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof. 



Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) Midland Credit management is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. 



This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

The company has violated the following laws 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 3 times {$3000.00} 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 4 times {$4000.00} - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number 3 times {$3000.00}