davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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. 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 .... 
Balance : {$0.00} ; XXXX  XXXX XXXX .... Balance : {$2400.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX Balance {$0.00} ; XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$71.00} ; 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX/XXXX  Date of request XX/XX/XXXX ; XXXX  XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX-XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (TX)

I received notication on XXXX that an account had been opened in my name ; however, I thought that was due to me opening a personal loan in XXXX. On XXXX, while checking my account balance on my Barclays credit card, I noticed a XXXXXXXX XXXX XXXX had been opened in my name. This credit card had approximately {$750.00} charged to it. I locked the card and immediately called Barclays, who reported it to their fraud department and removed it from my account.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

I had a mortgage with Wells Fargo Moertgage and sold the house. They sent me a check of {$800.00} to return my Escrow, and I mistakenly did a mobile deposit twice to my checking accounts : once with XXXX on XX/XX/XXXX and again with Wells Fargo on XX/XX/XXXX. I was in the middle of moving interstate and made that error. Both banks rejected the mobile deposit on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Wells Fargo ). I then tried to deposit the actual check at a XXXX branch 2 more times ( XX/XX/XXXX & XX/XX/XXXX ) sharing my original mistake and both times the check was rejected by Wells Fargo so each deposit was reversed by XXXX. The XXXX branch mgr was nice enough to get me on a call with WFargo on XX/XX/XXXX where I was told by XXXX that the check had a " invisible void '' due to my deceased husband being listed on the check and to send in a fax to remove him from the account- which I did on XX/XX/XXXX. Mind you my Probate lawyer had notified WFargo of my husband 's death but they never removed him from the account. WFargo Mortgage was to reissue the Escrow Refund. Instead I receive an overnighted letter from WFargo on XX/XX/XXXX stating there would be no refund on Escrow as that check was cashed on XX/XX/XXXX ( Case # XXXX ). I have spent many hours with both WFargo Mortgage & WFChecking on the phone and they realize that the deposit was rejected by XXXX but no one can seem to issue me another Escrow refund. On XX/XX/XXXX after many frustrating hours on hold with XXXX from WFargo Mortgage, she opened up another case # : XXXX. That case was closed yesterday by XXXX stating I had deposited the check ( which I did not ). I called the number he gave me, and just got a random Escalation person, XXXX, who refused to escalate further and said I had to speak to XXXX even though she could see his email that the case was closed. XXXX was supposed to call me back and that has not happened. I have spent over 10 hours on hold trying to resolve this and just want my refund of {$800.00} and then I will move all of my funds from WFargo to XXXX where at least they respond and resolve customer issues. Wells Fargo never gives out employees last names, emails or contact phone numbers so it is impossible to resolve an issue and each person just wants to close the case as quickly as possible.
Consumer complaint received 2021-09-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2021 I sent a dispute letter. that contained inaccurate things on my credit report. It has been 60 days or more I've received a response but its not the one I would like to hear. I feel like the Junk Collection agency just ignores my reasons for them to close my account. They can't provide me with any documents proving or staiting the I authorized that account. I asked them to send a copy of my id along with signed documents and my social. They couldn't provide this info for me. 15 U.S. Code 1681- Congressional findings and statement of purpose states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand these accounts be deleted immediately or I will file for litigation due to all the stress all of this has caused. My Info was also affected by the XXXX data breach and more than likely got in the hands of the wrong person.
Consumer complaint received 2023-11-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DFC Global Corp. (CA)

In XX/XX/XXXX, I checked all XXXX of my credit reports and discovered that there is an inaccurate debt noted on my XXXX and XXXX XXXX XXXXThis false debt is being reported by a collection agency known as XXXX XXXX XXXX, XXXX with the original creditor being Money Mart. It is being inaccurately reported that I took out a loan in the amount of {$250.00} in XX/XX/XXXX. I immediately disputed the claim with both credit reporting agencies and contacted the original company from which this false debt came from - Money Mart. I called Money Mart on XX/XX/XXXX and Money Mart associates relayed to me that I do not owe them anything. I DID NOT TAKE OUT ANY LOAN from Money Mart in XX/XX/XXXX. Money Mart agreed there has been FRAUD and IDENTITY THEFT against me and escalated the matter to their XXXX XXXX division. I believe that Money Mart experienced a data breach in XXXX and that my personal information was stolen and used to place a fraudulent loan in my name at Money Mart. I have placed XXXX different tickets to the Money Mart 's XXXX XXXX department and no one has returned my calls to discuss this urgent matter. In addition, XXXX XXXX XXXX has failed to remove this invalid debt on my credit reports as my disputes have been refused by them. This inaccurate credit reporting has caused me financial harm by lowering my credit score and much emotional distress. My credit score and financial standing have been horribly affected by this blatant misinformation. Money Mart is violating the law by reporting inaccurate and false information about me on my credit reports in trying to collect on a fraudulent claim.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (TN)

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.

has violated my rights. Or 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-12
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: Credit Technologies, Inc. (FL)

In accordance with the Fair Credit Reporting act CREDIT TECHNOLOGIES, has violated my rights. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, and in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX. XXXX )
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

During XXXX in XXXX, I purchased a {$500.00} Visa Vanilla gift card for my dad, but unfortunately, he was unable to use it. Both he and I contacted the Visa Vanilla gift card company to resolve the issue. They informed me that the card had been confiscated, but the money on it was still intact. They asked me to email them the front and back of the Visa gift card, along with my ID and the receipt. They assured me that they would work on resolving the matter and send me a check within 45-90 days. 

In XXXX, I promptly sent in all the required documents as requested. Case number XXXX. However, it's now been five months, and despite multiple calls to inquire about the status of my case, there has been no update. The call center representatives simply state that there is no new information on my case and are unable to connect me with the Visa Vanilla gift card dispute team.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-08-07
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2022-11-20
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. (AL)

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 15. U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consuming 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 furnished 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 2019-05-06
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. (LA)

Well I can show proof of inaccuracies and some how credit says Im wrong. Id love to know how much yall are getting paid to scam people!!???!! I mean inaccurate investigations how one could XXXX say Im past due when they ignore me and charge for a product never received!?!? Did yall investigate even I had XXXX protection that covers me in loss of job and injures that both were currently happening?? So Im paying for insurance that what doesnt exist so both credit bureau and XXXX are now by law liable for me to sue!!! How also do I owe for XXXX  XXXX when I show contracts a month to month that I have a bank statement showing I paid? I also had it requested to close hmm because I like way over 200 plus miles away. But credit bureau says no its correct even after submitting proof its not. Sounds like someone is getting paid to report inaccurate info that now has left me no choice to sue plus sue for ever denied credit sorry I tried to be nice and yall XXXX  me as a individual for no reason how did fraud also happen and yall say I owed more than {$50.00} please explain how yall can break the law?? Call me ( XXXX-XXXX-XXXX )
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (ID)

On XXXX I deposited a check from XXXX XXXX XXXX XXXX to me through the Wells Fargo app on my phone. XXXX XXXX XXXX XXXX sent me a refund from my escrow account on XX/XX/2022, as I have my home mortgage through their bank. Wells Fargo put the deposit on hold and then automatically sent me e-mails saying my checking account and savings account were being closed on XX/XX/2022 due to " one or more checks deposited to or cashed against your account suspected to be counterfeit ''. 

I immediately called Wells Fargo and the first individual I spoke with said I had to fix the problem as the check was coming back suspected of being fraudulent and would help me no further. I called XXXX XXXX XXXX XXXX and they informed me there was nothing wrong on their end. I called Wells Fargo back, another 40 min wait, and got the same answers and was told I could not withdraw the money out of my account that was not under dispute, could not close my accounts and would receive a check for the funds in my account 7-10 business days after my account are closed on the XXXX of XXXX. We disputed the ridiculousness of this as I have been a member for 20 years without any issues and have the paperwork to go with this check from another Bank to show proof of it being legitimate. The Wells Fargo employee refused to help or call the other bank with me on the line and then hung up on me. 

If it was truly suspected of being counterfeit, they are required by law to investigate it and report it to law enforcement. They are doing neither. Instead, they are refusing to help their customer and are simply closing my accounts.
Consumer complaint received 2019-05-06
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 recently filed a Identity Theft Report with the Federal Trade Commission - Report # XXXX in regards to an XXXX XXXX Account ( {$1300.00} ), which I have pleaded is not my account. I have filed numerous disputes with Equifax since XXXX after finding this account on my credit report. I sent the Identity Theft Report via certified mail to Equifax which was delivered on XXXX. On XXXX I placed a call to get an update the account and was advised that the account was under review, yet again .... and I would get a letter with the results. I asked an account manager, XXXX how the account was being verified and she refused to provide any additional details and refused to provide me any information on my credit file. On XXXX I received a letter from Equifax who again advised the account was updated and found to be accurate. A fraud alert was placed on my account also placed on my account. 

Letters were also sent to XXXX and XXXX who immediately removed the fraudulent XXXX XXXX account and promptly sent updated credit reports to verify this information. 

My concern is, what verification process is Equifax using? They refuse to provide any additional information. They have multiple identification breaches with our identifying information and they refuse to tell you anything. How are XXXX  and XXXX able to remove this account and Equifax refuse with the same information obviously provided to them under the investigation?
Consumer complaint received 2022-11-20
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. (NY)

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 u.s.c. 1681. 

XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights. 

XXXX  account XXXX XXXXXXXX XXXX XXXX  Has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX  account XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX accounXXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

Also 15 u.s.c.1681 section 602A states I have a right to privacy.

15 u.s.c. 1681 section 604A section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c ( a ) 5 ; No consumer reporting agency containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than 7 years. 

15 u.s.c 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.