davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VI)

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-08-08
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. (PA)

the company is Experian and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.
Consumer complaint received 2019-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

Business Information Name : Wells Fargo XXXX XXXX XXXX XXXX : XXXX , Fl Zip/Postal Code:XXXX Issues/Description of Complaint : In XX/XX/2018, two checks were cashed on my account in XXXX, Florida. I am a resident of Nc. The checks were cashed for the full amount on 2 days back to back. The checks were from a XXXX account that did not exist. The only form of ID requested was my account number. The amount of the 2 checks was over XXXX. When the checks bounced the choose, they chose not to call me, but to send me a letter. In the letter, they said that since funds were not available in the checking account, they took the money from my money market. I filed paper work 10 days later and the amount was refunded. 
At that time, I was told that a teller at the branch cashed both checks. There was no attempt to verify the identity of the person. All that was presented was the bogus checks with the account number on the back of the check. My funds were returned based on my signature. 
I filed a police report with the XXXX County Sheriff 's Office. 

It has been 11 months and WF has repeatedly denied my requests for further information to file restraining orders against the individual. 
I have been told that since I was reimbursed by the FDIC I am no longer a victim. WF is the victim because they assumed the debt. Another letter, claimed that WF is too busy to verify every persons ID that presents a check to a teller.

I have moved my accounts from WF. The WF service representatives in Nc have told me the branch in XXXX violated standard operating procedure and there is no way that that amount of cash should have been dispursed without a managers signature. 

My current bankers feels that it was an inside job involving at least 3 people ... the fraudster, the teller and a manager. I have been unable to find an indication that this crime was ever investigated. I have filed an official complaint with the OCC, FBI and the XX/XX/XXXX.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (SD)

To whom it concerns at wells fargo, XXXX from XXXX took the claim unauthorized personal loan and credit card. My personal bank XXXX XXXX Bank asked why when this company took out {$6200.00} in unauthorized payments to a credit card and person loan payments unauthorized, which I never applied for. Then I told you who applied XXXX XXXX XXXX opened both accounts when I was in the hospital for 6+ months with XXXX XXXX. XXXX XXXX used the credit card maxed it out and was able to beneficial from XXXX person loan. They keep every other day when wells fargo made a huge mistake, to refund it and they have disputed {$1300.00}, {$4900.00} still owed to my account. Then the number XXXX, case numberXXXX people get rude and disrespectful on the whole situation why?
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I'm able to view my credit score for months with TXXXX   and XXXX, but my FICO score for Experian has remained unavailable. I've reached out to the company via phone and email but have gotten no response.
Consumer complaint received 2019-08-08
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. (CO)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2020-02-21
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. (PA)

Hello, On XX/XX/XXXX, I tried to call the Transunion Credit Agency to advise of inquiries that I did not recognize. There were plenty of inquiries. I asked for them to be removed and have written letters as well. I continue to get horrible customer service and no one is willing to help me. These are negatively affecting me in the time of my need. Can some please help me remove these inquiries.
Consumer complaint received 2020-02-20
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: Aldous & Associates, PLLC (UT)

Aldous & Associates # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

I have been getting threatening calls on my cell and home phones from XXXX XXXX XXXX for about 3 years. The person they are looking for has my same name, the Social Security number and date of birth is different than mine. I have explained this to them to no avail. The last call was XX/XX/20019 at XXXX XXXX. They call almost on a daily bases leaving messages. What can I do to stop this abuse? My credit is very good. I do not owe any money at all to anybody. 
Thank you for your help.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (NJ)

Suntrust bank has restricted access to funds we entrusted to them through our business account. Bank personnel have refused to issue and honor official checks, blocked wire transfers and all other forms of debit, despite sufficient funds being available in the account. The bank personnel have provided no explanation for this action
Consumer complaint received 2019-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (OR)

The appraisals made to my property under Loss Mitigation in Banco Popular of Puerto Rico as a requirement of the Short Sale program inflate the value of the property and do not follow the requirements established by FHA. Therefore affecting and stopping several sales offers since XXXX. The last appraisal made to my property on XX/XX/XXXX has the following irregularities : 1 ) The same appraiser has been used for the last 3 years. Based on the FHA criteria, a different appraiser must be used. 
2 ) The comparables used in this appraisal inflate the price of my property, affecting us to be able to sale the property. Two of the three comparable used in the appraisal were sold under the Rent-to-Own program of an REO property and the third comparable was sold with private financing. These sales may be flawed. In addition, these salse lack much information in the transaction, as well as conditions of ownership and the nature of the business. 
3 ) There is a comparable that favores the value of my property but it was not used on this appraisal. No explanation was given as why it was not used. The real estate broker, XXXX XXXX, asked the bank and the appraiser for reconsideration. He refused to review said value. 
4 ) FHA requires the bank to dispose of the appraisal no more than 30 days. The bank has taken more than 30 days to have available for the results of the appraisal. All documentation required by the bank was submitted by XX/XX/XXXX. The appraisal was completed on XX/XX/XXXX and the bank provided a copy of the appraisal on XX/XX/XXXX. 

I have been trying for more than 5 years to be qualified under the Short Sale program. Due to the appraisals made in the previous years, initiated by the Banco Popular de Puerto Rico, the sales have fallen or it has been impossible to obtain a willing buyer to pay what the appraisal indicates. This has affected my credit greatly and I would like to be able to restore my finances.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my SECOND request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP (GA)

On the XX/XX/XXXX stating that I owed a debt. I followed up by certified mail signed by XXXX XXXX asking them to validate this debt. I then received another letter from them without any validation. I received many threatening phone calls. Then on XX/XX/2020 I receive documentation that I was being taken to court.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I received a letter yesterday saying I requested Rooms to Go credit product. I have never been in a Rooms to Go store or purchased anything online. It is dated XX/XX/21 and the credit needs to be called in by XX/XX/21. It is with Synchrony Bank. Someone is trying to use my name to get a credit card or something similiar.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the companies directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( Experian, XXXX & XXXX  ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX XXXX  are reporting late payments for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX XXXX  was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. 

Attachment communications with Discover discover statements from XXXX copies of the credit reports
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LoanCare, LLC (FL)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 

LOANCARE LLC Account number # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by LOANCARE XXXX Account number # XXXX XXXX causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (NY)

I was contacted by Tate and Kirkin Associates, INC XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX PA XXXX BY PHONE AND MAIL. 
I wrote and explained to them sending them proof that I DO NOT OWN XX/XX/XXXXANY MONEY.. I showed proof that they had to return money to me.. This is the second collection agency that XXXX has sent after me for money I do not owe. On top of that I showed proof I am on welfare and that XXXX XXXX XXXX is wrong for saying I owe this money. please help me to stop them from threatening and bothering me XXXX XXXX SENDING collection agencies after me..There address isXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX NY XXXX PLEASE PLEASE PLEASE HELP ME How do I stopXX/XX/XXXX FROM KEEP SENDING CREDIT AGENCIES AFTER ME. 
And how do I stop TATE AND KIRLIN ASSOCIATES FROM HARNESSING ME?? 

THANK YOU FOR YOUR TIME AND SUPPORT
Consumer complaint received 2020-02-21
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

I recently checked my credit and observed Syncb/Care Credit has a closed account reporting on my XXXX, XXXX, and XXXX Credit Reports . I called Syncb Bank/Care Credit with intentions to diss the acct that was reporting on my credit reports. I was told by 2 representatives that they no longer owned the XXXX and the accounts were sold to XXXX XXXX. I inquired to the representative as to why Syncb/Care Crecit was still reporting the account to the credit bureaus if they sold the account, and no longer owned the account? The representative was unable to give me an answer and stated these things took time. I also informed the rep that I knew my consumer rights and is well aware that 2 different companies could not collect on or report the same debts. I am requesting that Sync Bank remove all listings of this account with each bureau that they are reporting to. 
RE : Account # XXXX
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

This is a resubmission of a previous complain that WAS NOT RESOLVED. The previous complaint was erroneously marked as a duplicate. 

I had a past due balance with Ally Bank that is on my XXXX report. The account has been paid off. 

I mailed in money orders totalling {$1900.00} on XX/XX/22 and they were deposited by Ally Bank on XX/XX/22. I checked my XXXX report on XXXX and it is still showing that I owe {$1900.00}. 

Please see the attached file showing proof of payment and negotiation by Ally Bank. 

I checked my XXXX report again on XX/XX/22 and the incorrect information is still there.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America has made a decision to close the XXXX credit cards I had with them. They informed me the decision to close the account on XX/XX/XXXX. At the same time, they do not allow me to redeem the cash back rewards I still have on these XXXX credit cards. XXXX credit card has about {$800.00} in cashback rewards and another credit card has about {$6700.00} in cashback rewards. Bank of America does not tell me the reason for closing my accounts nor does it give me any heads-up that the accounts will be close so I would have time to redeem the cashback rewards. I understand Bank of America has made the decision to close the accounts, but they can not just keep my cashback rewards ( ~ {$7500.00} ). If Bank of America has the ability to unilaterally close the accounts, then they can not be just cancel my cash rewards on the credit card. This is what pirate would do, no a company like Bank of America.