davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

I am writing regarding unauthorized bankruptcy entries that have appeared on my consumer report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 4 ), I assert that these entries violate my consumer right to privacy, as my personal information was released without proper authorization.

I have confirmed that I am a victim of identity theft, and these bankruptcy entries are fraudulent. Under federal law, you are required to : 1. Remove unauthorized entries 2. Protect consumer privacy XXXX. Maintain accurate reporting
Consumer complaint received 2024-10-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (SC)

In late XXXX or early XXXX of XXXX  I was in receipt of mail from Source Receivables in regards to an alleged debt owed in the amount of {$530.00}. At the time of this communication, this alleged debt had not been reported to any credit reporting agencies. I responded to this communication via certified mail requesting validation for this alleged debt on XX/XX/year>. This request for validation was mailed to and received at the address of headquarters and also the registered agent. After Source receivables was in receipt of my request for validation, I did not receive any further communication from this company regarding this matter. Upon reviewing my credit file with XXXX, XXXX, and XXXX in XXXX of XXXX, Source Receivables has reported this account to all XXXX agencies in violation of the Fair Debt Collection Practices Act ( 15 USC 1692g ( b ) ). This account needs to be removed from any and ALL reporting agencies that it has been reported to immediately as it is a violation of my rights as a consumer and this company needs to remove this account and all of my personal identifiable information from its records.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/22 To Whom it may concern, I recently challenged the validity of XXXXXXXX XXXX  XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, I have attached my ID to this letter.
Consumer complaint received 2019-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

First, I am a victim of identity theft. On XX/XX/XXXX I sent a notarized personal statement to Transunion listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XX/XX/XXXX I received an Transunion credit file. This credit file still shows 1 fraudulent address ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX ), 1 fraudulent account ( # 1 XXXX # XXXX ) and 2 fraudulent contact/phone numbers ( XXXX + XXXX ) and 4 fraudulent employers ( # 1 XXXX XXXX XXXX, # 2 XXXX  XXXX, # 3 XXXX and # 4 XXXX XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX) which means Transunion is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-05-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LendUp Loans LLC (TX)

I took a loan out for XXXX and it was set to take out on XX/XX/XXXX. I called in on XX/XX/XXXX to have it extended to my next pay date of XX/XX/XXXX. Now before this call I already called in previously to inquire my options so I knew which option I was going with as the rep was also aware upon reading the notes. Upon getting off work I saw my account was drafted Saturday. I called no one was available on Saturday so I sent an email in regards to the issue. Sunday I received conflicting information from a rep advising XX/XX/XXXX could not have been my date and I requested them to review the call.i advised there was no way I requested to pay two days later. I called in Monday spoke with a rep who was unable to assist me. I asked to speak to a lead or supervisor and she advised I couldnt speak with one until two days. I advised her my account has pending charges and I am going to be charged fees and she said she couldnt do nothing and released the line by hanging up on me. This is unacceptable and poor customer service. I asked her if she knew a supervisor wasnt available when would one be available she said in TWO DAYS! And proceeded to hang up in my face because she said she didnt know what else to do!
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CO)

Southwest Credit Systems says I owe an account to XXXX XXXX in the amount of XXXX opened in XX/XX/XXXX. This is not possible since I have been incarcerated in the Colorado Department of Corrections since XXXX. They have refused to validate the debt and provide original copy of the contract. I gave them 60 days, no response
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I had accidentally locked my credit, not sure if I did lock or freeze, but lately when I tried to contact Experian which originally put a hold on my account I am not able to reach anyone, I have made several attempts and called several numbers as available on website to do the credit unfreeze but everything is a dead end, their is no human being that answers the automated prompts will let you go roundabout a few times then they will disconnect the call. 

XXXX XXXX XXXX XXXX, option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit lock or unlock should not be such a cumbersome process and each of the credit reporting agencies have an obligation to have real human being to answer the calls.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX, XXXX & XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX  XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXXXXXX XXXX acct # XXXX these accounts has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Brown and Joseph, Ltd (CA)

Brown and Joseph collection law firm was contacted by my attorney in regards to collecting funds that are a violation of the fair credit reporting act. The firm has recieved the letter from my attorney with case law yet the company is sending second notices to me to intimidate me and cause me more problems and threats to harm me by lawsuit or damaging my credit. The precedents in this matter have been clearly provided along with proof that the documents were sent to them yet the collection firm is using strong arm tactics to attempt to harass me and cause me undue hardship. 
I am hereby requesting help to get this resolved as the company should stop immediately per the case law established and that they are well aware of.
Consumer complaint received 2022-07-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX ; XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

I leased a truck from XXXX and I always paid on time. After I returned the car they claimed that I passed the mileage and they require me to pay {$8300.00} for over mileage. I contact them and ask them to show me proof of debts such as statements or 3rd party inspection report for the mileage or photos of the mileage but they saying that they dont have that. The only thing they send me is email that I have pass due balance of {$8300.00}. They reported it to my credit bureaus and my credit went down and its limited me already for two years. I dont know how to resolve that issue because they cant send me proof of debt and they also not willing to close this matter.
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (PA)

To whom it may concern : This is formal complaint that XXXX is reporting inaccurate credit information. 
I am very upset that false information was included in my credit profile due to its damaging my credit standing. I have been wrongly denied credit recently which is very stressful for me. 

The inclusion of this inaccurate information is a mistake on either XXXX, or whoever is reporting this inaccurate collection. I am formally requesting an investigation into this item. 

SIMON 'S AGENCY XXXX with amount of {$100.00} This collection was removed from XXXX and XXXX!!!!! 
This collection was removed from XXXX XXXX XXXX conformation of removal # XXXX. It inaccurately reappeared XXXX XXXX I recently spoke with an XXXX supervisor XXXX employee ID # XXXX and was told this should remove once I send a clearer version of my verification which has been mailed and fax and still no changes. 
Thank you for your prompt attention to this matter. 
Please DELETE/UPDATE the above account as quickly as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (FL)

I was evicted by the landlord in question for paying the rent a few days late, less than 30 days, and me and my husband XXXX XXXX were singled out in order for the landlord to raise the rent from {$1800.00} monthly to {$2500.00} monthly. At the time of the eviction, according to the XXXX XXXX XXXX XXXX XXXX, said company was not evicting any other tenants for the reason that we were evicted. Now said company/agenty is trying to collect from us an unlawful debt of {$3300.00} and has reported us to collection bureaus. I just discovered that my credit rating went down XXXX points because of this. --
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

on XX/XX/XXXX i applied to newrez for a refinance of my current mortage.i was told to submitt my rental agreement on my rental property .i was told to submitt my taxes for XXXX.an XXXX.which i did.XXXX  XXXX XXXX. told me if i wanted to lock in the interest rate of XXXX i needed to order an pay for an appriasal of XXXX dollars. which i did that as well. 2 weeks later XXXX XXXX called me .an said the proccesor .questioned why did i take a loss on my rental property .i explained .to XXXX XXXX that my tenants loss both their parents .he an his wife didnt work .because of covid.i myself had covid .i worked for XXXX XXXX, in XXXX XXXX.i myself was off work for XXXX.today XXXX XXXX told me that the processor denied my application for refinance because they didnt want to except my rental property. although i recive XXXX from my retirement XXXX from social security an XXXX from my rental. i was refinanceing to pay off bills .an help my grandmom. i believe newrez is not acting in good faith. in there lending practises.newrez has had my mortage for at lease XXXX i have never been late or missed a paymhis is not fair an i hope other people that my need help do not have to endore this type of treatmeant. thank you XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I am writing to dispute the following fraudulent information that appears on my credit report. I previously disputed this account with the credit bureaus stating these accounts are fraudulent. 

XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX XXXX  XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Consumer complaint received 2023-03-23
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

I deposited a cashier 's check from my husband 's account at another local bank on XX/XX/XXXX to my personal checking account at Wells Fargo. I deposited it thru the drive-thru teller who never mentioned a hold. My receipt says it will be " fully available on XX/XX/XXXX '' I assumed it would be a 2-day hold MAX. I check my account in a few days and it still had not been credited. Today, XX/XX/XXXX. I get a letter from Wells Fargo that it will be held until XX/XX/XXXX, a full 10-day hold, and to " refer to the maker of the check ''. If they would have noticed/read the cashier 's check, the REMITER is my husband, who is also the POD on my account. My husband also has several accounts with Wells Fargo. This is nothing short of a money grab by Wells Fargo to sit and use my money. What is the point of a local cashier 's check? The funds were removed immediately from my husbands account on the day he gave me the cashiers check ( XX/XX/XXXX ) as is standard/common/well-known practice,