davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX reports as well so in order to correct the inconsistencies between thXXXX XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX and Equifax credit reports. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX  XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$0.00}
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown 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 disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo On XX/XX/2007 repossessed my truck because they claim I had no insurance and they never reached out to me back then and now there not reaching out to my insurance company. My Agent is from my home town and I have know him all my life. He got american family to release the proof without a court order as he remembers others that had this done to them. They added cpi insurance in a fraudulent manner and raised my payment to a point I could not afford after making all but 1 year left of payments. Leaving me without a car and I had just had XXXX XXXX.I supplied them with proof of insurance last week so they really should be able to cut me a check very soon and I dont see the need to drag this out any further. I had the very same insurance the entire time I had the truck and only after they took it 2 days later I dropped the insurance and they also told me they repossessed it on XX/XX/2007 then I called my agent and told him what happened so he advised me to drop the insurance and thats just what I did.I dont understand why they think I should of had insurance through XX/XX/2007 just would have cost me more money. 
I need my money and I also had to file bankruptcy and lost the money I had paid on the truck for years. The truck had 40000. miles on it and it was like brand new. I need a car and it is about time wells fargo gives me a check soican get one.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Google Compare Credit Cards Inc. (NC)

Unauthorized charges/purchase on Tuesday XX/XX/2020 at XXXX XXXX   of {$100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX..And it said google refunded it but there is no trace of it being refunded back to Mastercard ending in XXXX XXXX I need my money now ...
Consumer complaint received 2021-01-27
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: Commonwealth Financial Systems, Inc. (TX)

XXXX XXXX XXXX XXXX I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days. 
Commonwealth Finance {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.
Consumer complaint received 2020-09-06
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. (NY)

I don't understand why the bureau keeps telling me to send the same documentation that I have already sent to them numerous times. Once again, I am a victim of identity theft and again I have attached the FTC for XXXX XXXX XXXX XXXX, My identification and a copy of my social security card
Consumer complaint received 2020-09-06
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 was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since  XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2023-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (ME)

My X wife who divorced me in XXXX must have opened this account without my knowledge or consent. I have informed the utility and the agency, Trans World. to cease and desist from all collection activity and provided proof with my Government Issued ID 's showing I have been a full time contractor in the XXXX XXXX since XXXX. I have not lived in the US and I never authorized the account.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (UT)

Enhanced Recovery is reporting on my credit for a debt I have already paid. I never received any notices from them and when I saw it on my credit this past month I called & settled it immediately. I should have received a notice because if I would have then I would have contacted them immediately. This went to collection in error anyways because I was working with XXXX to pay this.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

this bank really needs to stop playing with me ok you guys know XXXX has no Chips in these prepaid cards cuz its not in the one I have now I didnt authorize any withdrawals from my account and you guys know my card was stolen so fix my account please my claim for XXXX XXXX my claim for XXXX I do not have time for this company to be trying to come up with any and every excuse for delaying or not trying to give me what Im entitled to they are stealing they keep approving XXXX claim and denying the other then approving them again just stop and give me my money XXXX it!!!!
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I certified letters to these companies to open an investigation on accounts that are negatively affecting my reputation and credit profile to get clarity to why they were being listed. And I have yet to receive any proof of documents requested in my requests. During the months of XX/XX/20, XX/XX/20, XX/XX/20, I have reached out to these companies to rectify the matter and still to no prevail has the corporation complied or following the guidelines of the laws.
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I make a deal with a XXXX for rent an appartment. So long short story, when the moment that I have to meet the XXXX at the appartment came, he never show up, and when I XXXX his email and his phone number, I saw a XXXX XXXX with the exactly modus operandi of the scam. The appartment never was available, never was renting, a totally scam. But at the moment we found that it was a scam we already transfer him the security deposit and first rent month {$4000.00} ( XXXX XXXX XXXX pesos ). so Im writting this cause maybe my money is gone but I transfer that money to a Wells Fargo account, so theres the information of an account that is commiting crimes and scams, because I wasnt the firstone. I really expect that you can help me. Maybe not with the money but at least to find out the scammer and see what else we can do with that account info
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Unable to get my free Equifax annual credit report online as promised on XXXX XXXX. 
An error message claims Equifax is unable to verify my identity but no such error occurred with the other reporting agencies. As a result I now have to wait 6 weeks for my ordered annual credit report over the phone or by mail. 

When I clicked on the link to check my Equifax credit report, a page stating that the system was not available and takes me to a page that states Status404 - not found the origin server did not find a current representation for the target resource or is not willing to disclose that one exists. After it says, " report already received '' and I have not received my free annual credit report from Equifax. This is not the first time, which tells me they don't care nor have intentions on solving this issue. It would not let me back in the site. I have gone to Equifax website, but you must purchase a product in order to speak with a human person. The links connected with the Fair Credit Reporting Act for their site are not active, there is no phone number to resolve issue. You can't even order a credit report without signing up for a monthly subscription.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Expedite Financial, Inc (IA)

XXXX  continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX  was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX  to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.
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: Experian Information Solutions Inc. (CA)

The following is a description of the indecent taken straight from case summary Throughout the document I am of course referred to as the " Plaintiff XXXX XXXX '' : Plaintiff, XXXX XXXX lived in his home as his primary residence for more than 25 years. XXXX had paid all loans and therefore owned 100 % equity in his home. XXXX discovered, sometime after the fact, that a Deed of Trust had been executed granting XXXX real property in trust to XXXX XXXX XXXX or its predecessor in interest with the power of sale in the event of a default of said promissory note for {$700000.00}. The lender was named as the beneficiary in the Deed of Trust Upon discovering that an unauthorized note and Deed of Trust had been fraudulently executed, XXXX notified the servicer of the loan, that he, XXXX was in fact the homeowner, but was not in fact, the borrower. XXXX identity had been stolen and therefore the person posing to be the homeowner was in fact an imposter. Homeowner informed the broker, lender and servicer that the alleged loan, the Promissory Note and Deed of Trust were in fact the product of fraud and Identity theft and are therefore void. Notwithstanding, the notice from Plaintiff, the lender continued to take actions to effect a non-judicial foreclosure of Plaintiffs home. The lender and its servicer took no action to file a suspicious activity report XXXX with the XXXXppropriate administrative authority. The lender and servicer instead caused a Notice of Default NOD to be recorded against the Homeowners property on or about XX/XX/XXXX, XXXX Thereafter, Plaintiff filed the instant suit based on information and belief that the imposter fraudulently posed as Plaintiff, XXXX. Also named is the individuals attorney, the lender, the servicer, the broker, the originator, the escrow officer the escrow company, the Trustee and the Notary Public used to notarize the fraudulent signatures.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

inquiries was not done by me XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA ( ON THE REPORT XXXX TIMES ) XXXXXXXX XXXX XXXX ( ON THE REPORT XXXX ) FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ON THE REPORT XXXX  TIMES ) XXXX XXXX XXXX ( ON THE REPORT XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately
Consumer complaint received 2020-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I noticed an erroneous debt on my otherwise flawless credit report. The account was a {$130.00} debt from XXXX XXXX that was reported by a collection company called Eastern Account Systems. I have full insurance and pay out of pocket for all other medical expenses so I know that this debt was satisfied. I disputed it with all three credit reporting agencies and it was deleted from XXXX  but somehow was verified on XXXX XXXX and XXXX  So, on XX/XX/2020 I sent a certified letter to Eastern Account Systems asking for compliance with the Fair Debt Collection Practices ACT to validate this debt and show me proof that this is my debt, that I actually owe it and how they acquired my information. They signed for the certified letter but never responded with the required documentation, a signed contract, statements, detailed billing history in accordance with the FDCPA. So I sent another letter on XX/XX/2020 asking Eastern Account Systems why they did not respond to my validation demand and gave them another opportunity to send me the documentation required by law to legally report or collect this debt. I allowed them the 45 Days in accordance with the FDCPA and even waited an extra 60 days for a response because of COVID 19 and they never responded. The evidence is clear that they are in non compliance of the FDCPA and the Fair Credit Reporting ACT by reporting and verifying this information with the credit reporting agencies. This appears to be a predatory debt collection company that is operating illegally and not in accordance of State or Federal Laws.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (PA)

Several inquiries was made without my knowledge from Milestone XXXX XXXX XXXXXX/XX/XXXX and Destiny XXXX XXXX XXXXXX/XX/2021. 
I have no knowledge of these other inquiries and wish to have them removed off my XXXX XXXX report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

To Whom It May Concern, I am writing to file a formal complaint against XXXX regarding their failure to address my dispute concerning unauthorized and illegal reporting on my credit report. 

Details of the Complaint : Date of Report : XX/XX/year> Disputed Information : unauthorized and incorrect payment negative information Reason for Dispute : This information was reported without my authorization, and my requests for correction have not been properly addressed. 
Despite providing supporting documentation to XXXX that clearly illustrates that the reporting was unauthorized, they have failed to remove this information or provide a satisfactory response. I also sent them 3 different dispute letters about the matter. This situation severely impacts my creditworthiness and potential financial opportunities. 

This complaint is supported by relevant laws, including : 15 U.S. Code 1681 ( a ) : Establishes the requirement for credit reporting agencies to maintain accurate information.

15 U.S. Code 1681 ( s ) : Clarifies the consumer 's right to dispute inaccurate information and the responsibilities of credit reporting agencies in investigating such disputes. 
15 U.S. Code 1681 ( e ) : Requires reasonable procedures to ensure maximum possible accuracy of the information reported. 
As mandated by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information, and I expect XXXX to comply with these regulations. 

I request that the CFPB investigate this matter and ensure that XXXX adheres to FCRA standards by correcting these inaccuracies promptly. 

Thank you for your attention to this urgent matter. I look forward to your prompt response regarding my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Using certified mail, I wrote in a request to investigation into items that are being reporting on my credit file I believed were obsolete. The company has failed and yet to forward me sufficient documents pertaining to my those item. 

The action that has been taken has been done. Other than keep sending me computer generated responses/results of " still pending '' This has been an ongoing battle with these companies for well of 3 months.
Consumer complaint received 2020-09-18
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: Resurgent Capital Services L.P. (PA)

There are a few accounts on my credit report that are not mine. My mother and I have the same name and lived in the same house. Although we have different social security numbers and birthdates, a few of her accounts on now listed derogatory on my credit report
Consumer complaint received 2020-09-05
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.