davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
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: American First Finance, Inc. (CA)

I have requested an investigation on several accounts with XXXX, XXXX, an XXXX. The investigation took well over 30 days and this has caused me the consumer a deal of trouble that these accounts have been inaccurately reporting. I gave the credit reporting agencies 30 days to comply and they failed.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

There are numerous automatic charges on my debit card with Santander Bank. I did not authorize these charges and do not want these charges. I wanted the money refunded back to me. The bank sent me a letter saying my claim had been rejected for {$160.00}.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

on XXXX XXXX I send in dispute letters to all three credit bureaus stating there was incorrect information on my credit report from XXXX XXXX XXXX about late payments from XXXX and XXXX XXXX. Then I reached back out to them on XXXX XXXX and nothing.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I just refinanced my mortgage. My mortgage broker sold the mortgage, unfortunately, to Wells Fargo. The first communication that I have received from Wells Fargo is that they do not have proof that I have hazard insurance. I do have insurance but it has not been paid this past month because the mortgage broker took a while to sell the mortgage ( XXXX XXXX ) due to an error that we pointed out when we signed the refinance documents. My homeowners insurance ( which includes hazard insurance ) is now supposed to be paid by Wells Fargo themselves on my behalf through my new Escrow account. Instead of looking into the circumstances, sending my information of the purchase of my mortgage, informing me that I have to pay XXXX ( my homeowners insurance ) contemporaneously, they chose to send me an initial letter in which they threatened to buy insurance on my behalf which will ( 1. ) be more expensive and ( 2. ) provide less coverage. This seems consistent with Wells Fargo 's practices of forcing unnecessary financial products on customers. Over my 5.5 years with a mortgage held by XXXX, I have not once had any problems. In my first communication with Wells Fargo, I have already have problems and ones consistent with their well known practices in the industry.
Consumer complaint received 2020-06-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I sent a certified letter to Nissan that was a Request to Validate Debt on my credit report. I did not receive a response. On the envelope that I sent and in my letter was my address. Nissan claims to have sent me a response back but I never received it. I then filed a complaint against them and now they all of a sudden they have a letter to me. Where is the proof that it was mailed? And they didn't send it to the address I listed on the requested certified letter. I have not lived at that address they sent it to supposedly in 1.5 years. See my letter and proof of mailing attached and then see there information.
Consumer complaint received 2022-07-29
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: EQUIFAX, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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 swiftly.
Consumer complaint received 2021-10-18
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: Experian Information Solutions Inc. (NJ)

So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to Experian, XXXX and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 and caused me undue stress and defamed my character 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 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 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states 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.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Consumer complaint received 2022-10-06
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETE. The Equifax credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get deleted. 
XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

I am the XXXX XXXX XXXX XXXX XXXX XXXX. I own a XXXX XXXX  that employs XXXX XXXX and cares for XXXXXXXX XXXX 
M & T bank placed a freeze on my business bank account after depositing a check which resulted from the sell of my company car and withdrawal of the proceeds. 
This freeze has prevented me from being able to operate my business. 
I have been unable to pay my staff ( run payroll ) and order supplies like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

M & T did not notify me that this freeze was placed on my account. I found out after my debit card kept getting declined with various merchants.
Consumer complaint received 2024-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (NC)

My credit report stated that I owe AT & T U-verse {$1200.00} since XX/XX/year>. I don't want to be contacted to the dept collectors anymore, I want this debt off of my credit, I would at least like to work out with a nigosiation with XXXX XXXX XXXX. 

15 USC 1692c : Communication in connection with debt collection : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is afteXXXX XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; if the debt collector knows an attorney concerning such debt represents the consumer and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer for such debt, except to advise the consumer that the debt collector 's further efforts are being terminated ; to notify the consumer that the debt collector or creditor may invoke specified remedies which such debt collector or creditor ordinarily invokes ; or where applicable, to inform the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is mailed, notification shall be complete upon receipt.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (FL)

I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail
Consumer complaint received 2023-01-11
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 reporting list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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, For my student loans, The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For the other accounts : 12 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. I did not give permission for these to be reported on my consumer reports.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states 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.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. These have caused defamation of my character and extreme stress. 
Please send me an updated report upon completion of my request.
Consumer complaint received 2022-04-27
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have unauthorized inquiries from several companies XXXX XX/XX/2021, XXXX XX/XX/2021, and XXXX XXXX XX/XX/2021. I did not authorize these inquiries and they are greatly affecting me and will affect my immediate future. I'd like to have these inquiries deleted from my credit report ASAP. I hope that is something that you could help with because I really feel like I'm being ignored and taken for granted.
Consumer complaint received 2023-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/2023, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

called Experian XXXX  back in XXXX, again in XXXX again XX/XX/XXXX and XXXX and I already spoke with XXXX XXXX that can confirm that my bills are being paid on time. At the time of this complaint my credit score is XXXX, I upgraded my credit card ending in XXXX to a XXXX XXXX  ending in XXXX on XX/XX/XXXX, this is over three billing cycles and still the XXXX card is on record, not the XXXX XXXX XXXX  their show I havent made a payment in 90 days and they change the mistake thats on there end, there XXXX  specialist never get back, now they want to drop my XXXX XXXX, need help.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I have never opened this account ( XXXX  ) in XXXX it says. I have never lived in a XXXX Il. Where this account came out of. I have lived in XXXX XXXX Nv since 2003. I have went through XXXX XXXX, it has came back that it is mine, in which they are wrong. I have never order from XXXX ever!! Credit collections is LVNV funding LLC and says I owe XXXX dollars.
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (FL)

Previously I opened a few returns for items purchased using klarna. They extended the payments automatically and with help by company. They were predatory and the Rep did not disclose the amount of late fees, either did supervisor or anyone else notify me of this. Can i have a list of all late fee amounts? Showing for each one the amount and the order reference number coinciding to each. Please provide this or escalate to a supervisor to provide please.

1 ) I would like an itemized list of all late fees charged ; showing the amounts of late fees and the coinciding order numbers.

2 ) I would like to request that all these late fees be waived as a 1 time courtesy for each order. I opened returns and then decided to keep the item. So the return closed. I specifically went into each order if you look that was a return and asked this question. Each rep and supervisor in these chats did not disclose or mention these fees. I specifically asked. This is illegal. Please escalate this request to get me an emailed list of all orders that late fees applied to. Also escalate a refund request for each of these late fees for refund by a supervisor.

3 ) please provide me a copy off all the klarna customer service app chat notes and transcripts on the account printed mailed as well as emailed.

Please do this to avoid complaint to attorneys, ftc, XXXX, cfpb, attorney general and governor as well as the ada. Again, I can not speak on the phone due to a XXXX and was forced to utilize the chat forums that only allow screen shots. No option to copy paste or save print the conversation logs. So can you provide this?
Consumer complaint received 2023-01-11
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. (PA)

Notice, it is a fact, XXXX  is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, Experian, XXXX and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, Experian, XXXX and XXXX is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts 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