davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT. ALL THE GIVEN DISPUTE LETTERS ARE IN VIOLATION OF THE FCRA DEADLINE DATES TO RESPOND TO A DISPUTE AS OUTLINED UNDER THE FCRA. YOUR FIRM COMMITTED ELEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Consumer complaint received 2022-07-28
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. (GA)

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX ). XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Consumer complaint received 2022-06-09
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. (IL)

In accordance with the Fair Debt Reporting Act. 

XXXX  XXXX XXXX is violating my rights. I have NOT given them any written consent permission. They did HARD INQUIRIES on XX/XX/XXXX, XX/XX/XXXX on Transunion, XXXX credit profile, lowering my credit score by XXXX points. Without my permissionand there was NO purpose. 

After speaking with XXXX XXXXXXXX XXXX representative : XXXX XXXX XX/XX/XXXX, she stated " there was NO new application from me asking for credit or services. '' I asked for a copy of my signature on XXXX  XXXX XXXX application. 
She stated " she could NOT send me a copy of my signature due to XXXX  XXXX XXXX NOT having a new signature on file. '' The XXXX XXXX remains on my profile. 

According to : 15 U.S.C 1681a ( 2 ) Permissible Purpose of consumer report. My rights are being violated.

15 U.S.C 1681 Section 604A Section 2 Also states : A consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-11-12
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: Nelnet, Inc. (CA)

On XX/XX/2021, I sent a letter to Nelnet, again, regarding three accounts that are reporting on my credit report from them. I was writing to notify them that they are reporting inaccurate and/or incomplete information in my credit report which is misleading and hurting my name and affecting my consumer rights!. 

However, on XX/XX/2021, ONLY 4 DAYS LATER, they sent me a letter stating that they are not complying with the investigation. THIS IS THE SECOND TIME THEY DO THIS! They must cooperate because these accounts are inaccurate, inconsistent and non metro 2 compliant! 

They start of by stating, " your request can not be adjusted because the dispute is incomplete, invalid or a goodwill* request ''. THIS IS FALSE. My letter to them was complete, valid in accordance to the FCRA and it was NOT a goodwill request. 

They continue by stating, " under the FCRA, data providers are not required to investigate certain disputes received directly from consumers. For reference, examples of those instances include : - a request submitted by a credit repair organization .... 
- a request in which the consumer has not provided sufficient information... 
- a credit dispute that is... the same ... '' 1. I AM NOT A CREDIT REPAIR ORGANIZATION. 
2. I provided them EXACT information about exactly what is incorrect and inconsistent with my credit report. I even notarized it with my local bank. 
3. I DID NOT SENT THEM THE SAME DISPUTE. 

You will be able to attest to this as I will be linking what I sent them.
Consumer complaint received 2023-01-31
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: Westlake Services, LLC (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-31
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: BARCLAYS BANK DELAWARE (MA)

DEAR ; OLD NAVY CREDIT CARD ; XXXX ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I received a letter from Huntington National Bank, XXXX XXXX XXXX - XXXX on XX/XX/XXXX addressed to my husband XXXX XXXX XXXX and me, XXXX XXXX XXXX, stating that my husband, who passed away on XX/XX/XXXX that he asked for documentation on our Mortgage Loan, signed by Consumer Loan Servicing. was told that they didn't know, that my husband had passed away, although I presented his death certificate at a branch, advising them of his passing. 

They also included a Tax Form, stating the outstanding balance of {$25000.00} with recipient XXXX XXXX and my husband 's SS # XXXX.This loan was paid in full with {$21000.00} on XX/XX/XXXX. 

I called its Mortgage Department several times at XXXX on XX/XX/XXXX at XXXX XXXX, talking to several Representatives including Supervisors within 30 or more minutes without any resolution. I also asked to be connected to a Manager, and I was told, no Manager was available, and one would call me back today. 

Due to their dishonest behavior, I an unable to file my Taxes for XXXX when I received their notifications.
Consumer complaint received 2022-09-17
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. (IL)

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 the XXXX credit bureaus 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 remove these files. 
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 ; If the credit bureaus feel there is a possibility these items 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 item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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 2023-05-24
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. (AL)

On XX/XX/2023 I was notified by XXXX XXXX that a loan was taken out in my name. The origination date is stated as XX/XX/2023. The amount financed is stated as XXXX. Im unaware of this account and transaction. The loan was made out to me and the person responsible without proper identification verification. XXXX XXXX proceeded to mail a check to my address and the person in question had already destroyed my mailbox door to compromise my personal information and later retrieve the mailed check. The suspect later cashed the check using their signature.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (TX)

I didn't receive information about the attempt to collect the debt and wasn't afforded the chance to settle the debt, and was blindly sued by ; Plaintiff ( s ) CitiBank, N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Case number XXXX Court XXXX XXXX Justice of Peace, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, I was served with the citation and called XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX and was told they sent a demand letter by mail. I responded that all of my information remained the same and that the mail must not have reached me and was maybe lost, but I did not receive it. I also mentioned that a lawsuit without first calling me to settle the debt is a bad business practice and has brought me more stress, especially since I am an unemployable XXXX XXXX XXXXXXXX veteran and that my only source of income is VA benefits and a Department XXXX Defense annuity. She further requested that I send my bank statements to their attorneys for review. 

This is a bad business practice, and not only that, I am being put through unnecessary pain and suffering the fact that I have a medical condition such as XXXX XXXX that is being triggered by their lack of due diligence. All CITIBANK had to reach out instead of the unnecessary lawsuit without exhausting all means to settle the debt.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CO)

My name is XXXX XXXX and I am submitting this complaint on my own behalf. On XX/XX/2022 Goldman Sachs received documents that I sent them in an effort to validate alleged debts that they claim I owe them, and receipt of these documents is shown via certified mail receipts in the attachment. The documents included a Debt Validation letter. I requested the validation of these debts by Goldman Sachs in accordance with 15 U.S.C 1692g ( b ) and have not been provided the information and documents requested. I sent Goldman Sachs an Affidavit of Truth which they received via certified mail on XX/XX/2022. Goldman Sachs also did not rebut the affidavit and an unrebutted affidavit stands as truth in law. Goldman Sachs also received a notice of fault on XXXX XXXX via certified mail and responded with statements and a contract. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court Case, a consumer contract and statements are not sufficient evidence of a debt. GOLDMAN SACHS has not complied with the request for valid proof of debt and were unable to provide the documents demanded.
Consumer complaint received 2023-05-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has refused to correct an incorrect address on my credit report, despite multiple attempts on my part to resolve the issue by sending letters with the necessary documentation to verify my current address. The correct address is XXXX XXXX XXXX, XXXX XXXX, IL XXXX, but they continue to report the wrong address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate and correct errors within XXXX days, and 15 U.S.C. 1681e ( b ), which mandates maximum accuracy in reported information. Despite my efforts, Experian has not made the necessary corrections. I request that this issue be investigated and that Experian complies with the law by correcting the inaccurate information.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

I previously notified XXXX on XX/XX/XXXX that I am a victim of identity theft, and requested that they do the following : 1 ) Close the unauthorized account, 2 ) Remove any charges on the unauthorized account, and 3 ) Take steps to remove information about this account from my credit files. To date I have still not received written confirmation of these actions. 

Instead, I have received a new bill from a new debt collector, Afni , Inc., stating that I owe even more money to XXXX. As I stated before, I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX. I did not open or authorize this account, and I request that it be closed immediately. XXXX has not responded and instead put me in debt collection.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance XXXX {$35.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX and XXXX, 2021, fraudulent wire transfers were initiated by cyber criminals from our Wells Fargo accounts and all our funds and life savings from our savings and checking accounts in the amount of {$64000.00} was wire transferred to XXXX XXXX XXXX XXXX. 
We found out on XX/XX/2021 that all of our money is gone, we immediately reported it to the fraud department of Wells Fargo, the bank did not get our money back with a swift recall in a timely manner and informed us the the money is gone from the recipient, XXXX XXXX XXXX, and also denied our claim for wire transfer fraud. 
We have no idea how our Wells Fargo accounts were breached, why the bank did not inform us of suspicious activity in our accounts? What IP address was used by the criminals to access our accounts? No money transfers were ever initiated by us throughout our 15 year banking history with Wells Fargo., All of a sudden all our money is being transferred and the bank did nothing to alert us and no red flags were raised? 
No one at Wells Fargo has bothered to answer any of our questions, what investigation have they done for fraud? 
Why we didnt receive any warnings, emails or texts to alert us on the transactions in a timely manner? All we got from Wells Fargo is denial form letters with no signatures, we are confused and distraught and they are giving us a run around and treating us, their customers, in a very unfair and condescending manner. 
We are disputing and appealing the denial, we hope that Wells Fargo will do the right thing and investigate this fraud. Their own bankers have told us that wire fraud is an ongoing issue at the bank, why there was no cybersecurity services to proactively safeguard our accounts and improve our security posture. We trusted our bank to safeguard our money and they failed us.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had a credit card for 11 years or so with Capital One at 7.9 %. I didn't use it for over 2 years and I received an email that they have closed my account without letting me know. This affects my credit score tremendously and I would have like to keep it. I called several times to customer service and they are unwilling to help me. Could you please help me.