davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXXXXXX DEPT OF EDUCATION/NELN XXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-11-21
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account  # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights 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 1681s -2 ( A ) ( 1 ) States that 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.15 U.S.C. 1681c ( A ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate 's the report by more than seven years. I have received letters from different credit reporting agency on these accounts listed above that was DELETED for inaccurate reporting on my credit report. Some accounts has come back verified. I have asked for the method of verification several times but NO response.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

I'm XXXX XXXX and 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 UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}
Consumer complaint received 2022-12-16
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. (NV)

I have asked XXXX and Experian and XXXX to remove all of these inquiries from my credit report. I did not apply for the 61 inquiries within a six month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show on my credit report.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Hello so I have a business with my uncle and I got my share of money and I ask him to put it into my account via XXXX and he did so when I went to my bank just to take some money out to pay my rent the bank said it was some activity that I didnt know or recall of that was made by me so I told them that it wasnt me after they try to tell me about money my school send to me and it was fraud now I have XXXX dollar in the account and they dont want to give me my money they keep saying it not my money plus they were suppose to close the account and give my money and still havent received it Wellsfargos been keeping my money
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I am re-filing this case because Equifax mailed me a letter stating that the information I am disputing on case XXXX and case XXXX have been verified and it is reporting correctly. 

For the 2nd time Equifax tells me to contact the TX Fed BK Court. I attached this letter in my first complaint showing I have contacted The US Bankruptcy court and they have stated in a letter which is attached again that they do not report information to or remove information from the credit bureaus which is unverifiable. 

Also, attached is a letter from XXXX of whom Equifax use to verify this information. XXXX letter states they have reviewed the information from the bankruptcy records and determined the data being reported as unverifiable. 

XXXX also stated that they conducted their research from the following source : XXXX XXXX XXXX. 

Please see attached XXXX, the court letters and Equifax letters.
Consumer complaint received 2023-03-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NC)

I requested for a Covid-19 Loan Modification with the servicer. The servicer approved the Covid -19 Loan Modification but did not give me the required 14 days to review and return the Loan modification documentation. I then called the servicer after realizing that i the payments were going to be to much and the servicer told me that due to the rising interest rates my mortgage payments would be higher. I asked the servicer if i could get the partial claim modification and the sericer told me no. I then told the servicer that i was not given the required 14 day as allowed by law to review and return the documentataion and the servicer said that i had until XX/XX/XXXX to return the documents along with the first two payments. I then told the servicer that i would do that after i reviewed the documents. XXXX days later i received in the mail a Notice of Denial due to my refusal of the offer. I never denied any offer of the Covid 19 Loan Modification. After reviewing my account with the servicer on the servicers website i found that the servicer put me on a repayment plan that i did not agree to nor did i sign a contract to repay XXXX. I thought that was the whole point for the Covid-19 Loan Modification Plan was to reduce the mortgage payment. When i did finally get off from work to get the documents notorized and signed i find out that the servicer has my wife`s name wrong on the documents and as a result i could not get the documents notarized due to the servicers error. After several emails and phone calls to the servicer i am still no closer to getting the correct documents from the servicer and i am still on a plan that i did not agree to nor can i afford. After reading the Loan modification documents i found that mortgage payments have not been applied to my mortgage by the privious mortgage servicer nor by this servicer after the mortgage was transferred to this new servicer. I sent to the servicer a Quilified Written Request XXXX weeks ago and still i have heard nothing. This is a violation of law. The servicer is suppose to acknowlegde that they recived my QWR within five days. The servicer has not acknowledged this. Can you help me get a Covid 19 Loan Modification from this servicer i can afford.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AVANTE (FL)

Never seen this company AVANTE USA before and do not recognize them. Sent me a letter demanding to pay them {$930.00} as part of a settlement on XX/XX/2023. They need to view any original debt with original documentation if valid.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (IN)

I recently opened my account in early XXXX of XXXX  I had to place money in the account to ensure the opening of the account so that I could receive my tax return upon receiving it I made a few purchases and I got up running late to get my Daughter to school I then realized I did to have my debit card I send my godmother some money for my purchases I went home and looked for my card and couldn't find it I then called Citi Bank they kept telling me that I made transactions at the location several times and have been for a couple of years i asked them how when i just opened my account he got really rude i have been filing dispute after dispute and I keep being told the same thing now as of recent my exhusand sent some money for our children through XXXX and it says received but its not in my accounnt
Consumer complaint received 2023-03-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

These companies unlawfully reported accounts ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and PORTFOLIO RECOVERY ASSOCIATES XXXXXXXX ) on my consumers reports for an alleged debt in which they have not produced an agreement and/or contract binding me to such allegations of these debts with them. Not only have they placed the accounts on my reports but, they've also reported negative transaction history as if I actually have a contract with them. This is fraud as, I do not hold an account under any contract with these companies. They have violated my rights protected by law under the Fair Credit Reporting Act ; 15 US Code 1681a, 15 US Code 1692, 28 US Code 1746. I am aware of my rights under 15 US Code 1681N and 15 US Code 1692k. I am demanding the abatement of these accounts and its entirety for all three consumer reporting agencies.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXXXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-03-30
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 list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Company Name : XXXX, XXXX # XXXX Company Name : XXXXXXXX XXXX  XXXX XXXX. # XXXX Company NAme : XXXX XXXX. # XXXX Company Name : XXXX XXXXXXXX XXXX XXXX # XXXX COmpany NAme : XXXX XXXX XXXX  : # XXXX COmpany Name : XXXX XXXX XXXX # XXXX >15 U.S.C 1681 Section 602 ( a ). States I have the right to privacy.

>15 U.S.C 1681 Section 604 ( a ). Section 2. Also states that a consumer reporting agency can not furnish an account without my written instructions.

>15 U.S.C 1681c ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

>15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-29
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. (FL)

Dear Experion, please cancel any and all months pertaining to this subscription. I made a mistake and pressed the wrong button. Do not charge me at all... 

Thank you Sincerely, XXXX XXXX
Consumer complaint received 2023-03-30
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (NJ)

I received a collection notice from CMRE Financial Services on XX/XX/XXXX for XXXX XXXX XXXX XXXX Date of Service on XX/XX/XXXX. I immediately contacted my insurance to fix the error and the claim was correctly processed and paid to XXXX XXXX XXXX on XX/XX/XXXX. I have contacted CMRE Financials to close this case and have spoken numerous times with their debt collectors who assured that they " will open an investigation '' and I will be receiving a verification in writing that the account/case will be canceled. I also faxed the Explanation of Benefits to them twice at their request. ( Note attached docs ) XX/XX/XXXX - my initial contact when I received the notice. Spoke with XXXX XX/XX/XXXX - spoke with XXXX XX/XX/XXXX - spoke with XXXX who opened an investigation and assured that it will take 7-10 business days to resolve. On XX/XX/XXXX I faxed the EOB to ( XXXX ) XXXX XX/XX/XXXX - spoke with XXXX who never called back to confirm fax receipt XX/XX/XXXX - spoke with XXXX XX/XX/XXXX - spoke with XXXX and faxed the EOB again to ( XXXX ) XXXX on XX/XX/XXXX After all of this, I'm receiving a new collection notice dated XX/XX/XXXX last Saturday, XX/XX/XXXX. Can you please address my complaint with CMRE Financial Services who should not be in this business due to lack of best practices? There is clearly a disconnect within their organization that may negatively impact on customers ' credit scoring. 

XXXX XXXX ( husband ) of XXXX XXXX XXXX ( debtor )
Consumer complaint received 2023-03-30
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. The 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 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-30
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. (MI)

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. 

Account name : XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XXXX Wells Fargo allowed a man to wire transfer XXXX out of my checking account unauthorized. The account was my own, and I was the only authorized user on the account. I have started four investigations with Wells Fargo and they have lost claim numbers and did not finalize investigations. I addressed Wells Fargo how a wire was done without an identification, and I was informed a pin was used and all they needed was my account number. Secondly,, I asked Wells Fargo how a large amount of XXXX was transferred at one time because that exceeds the daily limit transfer. The man who stole my money, and forged my signature, was my ex husband therefore, I assume, Wells Fargo is not taking this matter seriously. I have contacted the FBI and the bank in which he deposited my money into. His name is on my statement showing the wire transfer into his bank account which was a totally different bank. This is all illegal including the banks conduct. The bank refuses to put a hold on the money and will do nothing to assist me.
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (TX)

I have reached to XXXX  which is the original creditor and informed them the account is not correct they told me I would have to reach out to the collection agency XXXX have listed their self on my credit report listing three different thing one shows paid off and closed, one show charged off and one shoe as a collection for {$180.00} I have been fighting to get this unacceptable item removed off my report and no one have responded to the calls or 4 letters I have sent XXXX and lvnv funding I would like for this to be removed from my report
Consumer complaint received 2022-11-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: National Credit Adjusters, LLC (CA)

I received a letter from National Credit Adjusters XXXX in my former married name ). saying I owe money to XXXX XXXX. they bought debt that was XXXX in my bankruptcy over 7 years ago and are now trying to collect. When I called they wanted my social security number which I would not provide over the phone, even though I had the account number listed on the letter. this is an attempt to collect a debt I do not owe. this is the 4th time they have tried to do this!