davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590.  That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (FL)

Two XXXX transactions posted to my checking account on XX/XX/23. Unauthorized my myself. Not a joint account. My house was broken into several times in the last month. Checks missing, cash, files etc. 

Called M & T immediately. They don't have a 24 fraud number as posted on their website. Finally got through next day. They refused to provide any information. Would not create a case number for fraud. Nor a provisional credit. My account is now overdrawn. Didn't receive and text messages alerting me of possible fraud. 
Was told I have to visit a branch. I'm in XXXX Florida. I'm also XXXX. The nearest branch is hours away. 
I'm looking for a resolution. I had them lock account and shut down debit card. 
Requesting an explanation of the debits, provisional credit and access to my online banking which they blocked. 
A case number should have been given to me the day I called and reported. 
I believe they were two checks. I had XXXX in my account. They should not have been cashed for two reasons. Unauthorized and insufficient funds to cover XXXX
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (UT)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to inquire about my rights and the obligations of [ XXXX XXXX XXXX ] under the provisions of 15 USC 1681b, which pertains to the Fair Credit Reporting Act ( FCRA ). As a valued member of your credit union, I believe it is essential to ensure compliance with this federal statute to protect consumer rights and maintain the integrity of credit reporting practices.

According to 15 USC 1681b, credit reporting agencies, such as [ XXXX XXXX XXXX ], have specific responsibilities when handling consumers ' personal information. It is my understanding that this section of the FCRA outlines guidelines for the permissible purposes for obtaining consumer reports and sets restrictions on the sharing of such information. 

In light of this, I kindly request the following information from [ XXXX XXXX Name ] : Disclosure of Permissible Purposes : Please provide me with a comprehensive list of the permissible purposes for which [ XXXX XXXX XXXX ] obtains consumer reports, as outlined in XXXX XXXX XXXX. 

Consent and Authorization : I would like clarification on the procedures and requirements for obtaining consumer consent and authorization for accessing and using their credit information, as stipulated in 15 USC 1681b. 

Sharing of Consumer Information : Please outline the policies and procedures that [ XXXX XXXX XXXX ] has in place to ensure compliance with the restrictions on sharing consumer information with third parties, as mandated by 15 USC 1681b. 

Dispute Resolution : In the event of a dispute concerning the accuracy or completeness of information contained in my credit report, I would like to understand the process and channels available for filing a complaint or disputing any discrepancies, as required by 15 USC 1681b. 

I believe that by addressing these inquiries, [ XXXX XXXX XXXX ] will not only demonstrate its commitment to regulatory compliance but also reassure me and other consumers that their personal information is handled with the utmost care and in accordance with federal laws. 

I kindly request that you provide me with the requested information within 30 days of receiving this letter, as stipulated by the FCRA. If there are any costs associated with obtaining this information, please inform me in advance. 

I appreciate your attention to this matter and the valuable services that [ XXXX XXXX XXXX ] provides. Should you require any additional information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I submitted a dispute with Experian. On XXXX XXXX I received an email stating that my dispute had been updated and would be able to view the results ( Report number being XXXX ) Upon checking I realized that some accounts had been removed others had came back as verified.I sent over a letter via certified mail with tracking number being ( XXXX ) which had been delivered as of XX/XX/XXXX, at XXXX to XXXX, TX. 

I asked Experian to verify XXXX XXXX ( account number XXXX ) pursuant to 1681i ( 7 ) Description of the reinvestigation procedures. A consumer reporting agency shall provide to a consumer a description reffered to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2022-05-19
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. (TX)

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

In XXXX of XXXX, the XXXX Toyota XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and Toyota dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from Toyota and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with Toyota, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.
Consumer complaint received 2023-08-10
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: DISCOVER BANK (FL)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 


Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. 
I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. 
I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. 
I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-02
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURINSH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AN PURPOSE.
Consumer complaint received 2023-06-30
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
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. (GA)

SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-10-12
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: ENCORE CAPITAL GROUP INC. (CA)

The following creditors, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX are reporting to my credit file a fradulent account that was opened without my permission or consent. The address they have on file for me doesn't even correlate with my home address.I am a victim of identity fraud, I have filed an FTC report, XXXX XXXX XXXX Report, and filed a police report. I am demanding the following listed lenders to update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act. Furthermore both of the accounts opened with the creditors above have then been sent over to a collection agency under the name of Midland Credit Management.I demand MidLand Credit Management to IMMEDIATELY REMOVE THE 2 COLLECTION ACCOUNTS THEY HAVE REPORTING TO MY CREDIT FILE. FAIR CREDIT LAW SECTION 109 PROTECTS ME OF MY RIGHTS AND IF THEY DO NOT COMPLY IMMEDIATELY I WILL PURSUE LEGAL ACTION. YOU GUYS ARE COSTING ME A FINANCIAL HARDSHIP BY TERRORIZING MY CREDIT REPORT DUE TO ME BEING A VICTM OF IDENITY THEFT XXXX XXXXXXXX XXXX is reporting the account was opened XXXX XXXX with total fraudulent charges of {$320.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX is reporting the account was opened XX/XX/2021 with total fraudulent charges of {$710.00}
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

I am writing you as a last resort and hopes of solving my issue with Shellpoint Mortgage company. They became my mortgage lender in XXXX of 2020, after Ditech Financial sold my account to them. Around XXXX of 2020 I received a letter requesting proof of insurance for the months of XXXX and XXXX of 2020. I immediately contacted XXXX XXXX and they faxed the policy information to Shellpoint. However, they have continued to charge me an escrow as if I did not have insurance coverage. They are using my house payment to pay the tacked on escrow charges to pay for insurance they added that was not needed because I already had coverage. Therefore resulting in late fees/missed payments ; when in actuality my payments are being paid on time each month! This has caused my credit score to plummet drastically, because they are reporting to the credit bureau that I have late or missed payments. I have tried multiple attempts to contact Shellpoint to rectify this issue without success. Each time explaining the issue with no resolution. They have promised to open cases to look into it and nothing has occurred. I have even had the insurance company fax them the information multiple times. I have been dealing with this for over a year. They are now threatening to foreclose on my home for a mistake they are responsible for. I can't afford to pay them monies that I do not rightfully owe! I have attached the initial letters they sent regarding my insurance. Each time I reached out to XXXX with whom I have coverage, who, then in return faxed proof of my coverage to Shellpoint. I have also attached my insurance declaration that proves I never had a lapse in my insurance and they should have never added escrow to my account to cover insurance they provided. I have also included a screenshot of my credit report with negative marks. I can also provide on request, proof of my bank accounts where the payments have been made on time each month, I have not missed nor been late on any payment. I don't understand how this company is allowed to continue to operate, when there has been numerous complaints and lawsuits regarding the same escrow issue. I would like to get this issue finally resolved.
Consumer complaint received 2023-01-10
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. (HI)

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. 

Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Experian does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. 

The record shall be removed.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a call from Bank of Americas main phone number. It sounded like a call center environment. A guy with a XXXX XXXX accent impersonated a BofA fraud dept employee. He stated that a transaction of {$250.00} was made in XXXX and {$150.00} in XXXX. He said they were tagged as potentially being fraudulent. I confirmed that I didnt make those purchases. He confirmed an email address Ive used. It was a very bad connection and so he asked me to call his direct office line XXXX. Which I did. He said that in order to refund those transactions I needed to provide the expiration date & security code on the back of my card. I suspected this was a scam call, and told him that I would call BoA fraud dept directly. He said that the number he called from should show its from BoA and that it proves its legit. He said that for {$5.00} he would express mail me a new card, but it wont go through without verifying the card information. 
After I hung up, I called BofA fraud dept and they confirmed it was a scam, and told me to report it as well as they took down my information. The scammer attempted to call me 4 more times during this time, again showing up as a BoA caller. I pressed send to voicemail and they immediately called back. These people are dangerous and evil, and need to be stopped and held accountable.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Every day, at least 3 to 4 times per day, Portfolio Recovery calls me at work with " spoofed '' numbers made to look local. I don't even live in Missouri anymore, yet all of the numbers come from around where I grew up. Sometimes the caller ID will show the number as originating from outside the United States. I've answered and requested at least twice for the company to send me documentation in the mail and to stop calling me. They have done neither. Because I now live in a different time zone, the calls also come in before XXXX and after XXXX local time periodically.