davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS : XXXX XXXX & XXXX Potentially negative Date opened XX/XX/XXXXXXXX  XXXX  XXXX XXXX Under dispute Date opened XX/XX/XXXXXXXX  XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$960.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$800.00} DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
REMOVE THESE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Resident type Apartment complex XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MD XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX THESE ADDRESSES ARE NON-MAILABLE
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS : XXXX XXXX & XXXX Potentially negative Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Under dispute Date opened XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$960.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXXXXXX  Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
REMOVE THESE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Resident type Apartment complex XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MD XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX THESE ADDRESSES ARE NON-MAILABLE
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. 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 following information therefore needs to be reinvestigated.
Consumer complaint received 2023-11-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : OAG CHILD SU : Account Number:XXXX Account Name : US DEPT ED : Account NumberXXXX Account Name : US DEPT ED : Account Number:XXXX Account Name : US DEPT ED : Account Number:XXXX Account Name : US DEPT ED : Account Number:XXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : USDOEXXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

In Wells Fargo Enterprise Complaints Management Office, they don't produce the required Notice for Validation of Debts as required by section 1006.100 Record Retention. The required record that WELLS FARGO BANK, never produced. When I communicate with them, they just say the statute of limitations is past. Fraudulent concealment of the notice or any revalavent information stops the statute of limitations from starting.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

I have federal student loans that are currently serviced through Nelnet. I'm under a standard repayment plan. I used their system to set up an autopayment. Based on their dashboard, my auto-payment should be {$610.00} a month that comes out on the 3rd of every month. For the last two months, with no notification, Nelnet has debited my account for an additional {$430.00} on the XXXX of the month even though there is nowhere on my account that says this amount is also due. I've tried to call and have never gotten through and have sent them two separate emails about the extra payment that is being taken out of my bank account. I think Nelnet is either incorrectly taking out additional money or they are not being transparent on what the monthly payment should be.
Consumer complaint received 2023-11-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE (NY)

I have concerns regarding the notification I received about the debt and the lack of information provided to verify its validity. When I contacted Huntington Mortgage seeking clarification on the validity of the debt, I did not receive any information or documentation supporting the existence of this debt. I believe that as a responsible customer, I am entitled to receive sufficient information to verify any debt reported in my name. Upon reviewing my credit report, I noted that the mentioned account is inaccurately portrayed as a late payment account with a balance due. This misinformation adversely affects my credit score and raises questions about the accuracy of the reported information. Please find the details of the account in question below : HUNTINGTON MORTGAGE CO XXXX Date Opened : XX/XX/XXXX  Balance : {$170000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (TX)

I was handed a loan modification by my ex spouse to sign from NewRez in XX/XX/XXXX that did not have my correct current name. He demanded I sign. I refused. He is repeatedly contacting me insisting I sign. I and my current spouse have repeatedly told him no My ex is XXXX XXXX XXXX and unemployed. The 11 year loan that XXXX  is offering adds up to XXXX with a XXXX balloon payment due at the end of 11 years. This on a house my ex only owes XXXX dollars. I am also XXXX XXXX XXXX, XXXX XXXX, and have no interest in this property. I am not on the title and have not lived in the house or even the state the property is in since XXXX. It is my opinion this loan qualifies as a predatory loan on XXXX XXXX XXXX keeps pushing for this loan modification as well as my ex spouse. 
Despite my repeated phone calls and emails insisting this property either be foreclosed on or sold.It is stalled because of repeated loan modifications in process I have called and called repeatedly and emailed numerous times to no avail. 
I am concerned that my name will be used without my consent on a XXXX XXXX XXXX XXXXXXXX dollar loan, because XXXX has been unwilling to listen to me and proceed with foreclosure or short sale. 
XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have {$16.00} remaining on an American Express gift card which I have been unable to spend anywhere. I have repeatedly tried to use it for XXXX purchases with no success, and today ( XX/XX/23 ) I tried to use it to pay a medical bill. The purchases are always declined.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

EVIDENCE FOR FRAUD CLAIM I would like to file a complaint because my bank of America fraud department denied my claim about charges that were made on stolen from me card. In addition there's no way to submit evidence that I want to submit to be added to this case. I was on the phone with bank of America fraud center requesting the information on how to submit the evidence. Bank of America fraud center kept me on hold a for over an hour total today they transferred me and they ended up saying : " our existing fraud claim department don't handle submitting of the evidence we will transferring you ''. And then the lady transferred my call to main line for bank of America ( where they don't handle fraud at all only regular banking ). So I never found out a way to submit the documentation. 

There were 4 charges on my credit card account dated XX/XX/XXXX totaling in XXXX XXXX My card was not in my possession at the time transactions were made. Which I only realized after I learned about already made transactions for XXXX XXXX 
All of the charges were made using my physical card at the grocery store, drug store, wine store and XXXX. 
I've attached all my bank of America credit card statements from this year and year end summary of XXXX. You can see I've not even once uses my physical card in store. And I never purchased groceries, wines and drug store items. 

1. If the fraud department compared the purchasing pattern for my claim, such as types and amounts of purchases, with the my previous purchases they would see it's extremely unusual. 

2. Reviewing the place of delivery ( XXXX fraud transactions were made in XXXX XXXX ) relative to the my home address they would see that it can't be my usual place to shop for groceries and drinks. Why would I buy groceries in XXXX XXXX if I live in a very North of XXXX? 
Living in XXXX my grocery shopping venues can't be 3 hours far away. 
I also attached a sworn affidavit that I notarized today. 

3. Please compare the signature on any purchase receipts with my signature. 
Besides the affidavit my signature is shown on my SSN card and State ID that I also attached. 
I'm also want to file police report but I need to know the address where all fraud transactions were made. 

Thank you! 
XXXX XXXX
Consumer complaint received 2021-07-04
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. (NY)

If Equifax dont remove this negative inaccurate account from my credit report We are going to arbitration XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this to dispute the information contained in my credit report and to request an investigation into the following accounts. I noticed inaccuracies in my report and reached out to the creditor for validation of the debt, but they failed to provide any supporting documentation. My concern relates to the account listed as a late payment account. I demand that you provide concrete evidence of this account being late and, if such evidence is not forthcoming, I request the immediate removal of the negative payment status associated with this account from my credit report. WELLS FARGO BANK N.A XXXXXXXXXXXX. I take this matter seriously and expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NY)

I declare under penlaty of perjury that the foregoing is true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1621. This collection appeared on my credit report are not and never related to any transaction that I made I am alleging that a person or company without authorization used my personal information to apply for goods, services or money and was successful in creating some accounts all is being investigated by the FTC.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hunt & Henriques (CA)

In early XXXX, I sent XXXX XXXX an email where I told them to cease and desist from calling me and sending certified mail. Despite this, I have been receiving calls from debt collectors working on their behalf, in XXXX. 

Also, it's come to my attention that XXXX XXXX did a number of illegal things while my account was still open. They were charging me just interest but putting it under cash advances. And when I signed up, they were charging me monthly for credit reporting I didn't want. Both actions have been up in class action suits. 

With my account limited. I can not provide the best dates. But if they provide all of my records, I can show they over billed me illegally.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (NY)

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. I believe that these entries do not accurately reflect my overall creditworthiness. 
CHRYSLER CAPITAL XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have taken proactive measures to rectify the situation and ensure timely payments in the future. I value my financial responsibility and the importance of a positive credit history. As such, I kindly request that the late payments associated with my account be either removed or updated to accurately reflect the current status.