davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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. (OH)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

My name on my credit report is XXXX XXXX XXXX Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EXPERIAN REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, XXXX, AND EXPERIAN REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, XXXX BREACHES, AND ALSO EXPERIAN. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$490.00} Account Number XXXX XXXX XXXX {$150.00} Date Opened XX/XX/XXXX XXXX XXXXt Date Opened XX/XX/XXXX Balance {$13.00}
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX XXXX.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax dropped my credit score by three points on XX/XX/21 and XXXX lowered it by two points for new balances on my XXXX card for {$110.00} and XXXX XXXX card for {$11.00}. This is insane and abuse of power. I am using less than 0.5 % of my credit line and both balances have been paid in full. This should not have been allowed to occur. They have done this to me in the past a few times and I am not going to let this continue.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

Early in XX/XX/2021 I set up automatic payments on my XXXX account from my Chase bank account, authorizing XXXX to collect my monthly payment due. On XX/XX/2021, XX/XX/2021 and XX/XX/2021 XXXX collected {$53.00} on each of those days respectively. 

On XX/XX/2021, XXXX advised me that my account was past due because I had not made payment. XXXX claimed that my bank, Chase, pulled back the money from them. However, my bank has no information or record of this happening and my Chase bank statements show that the money was never returned to my account. 

There is currently {$53.00} that was withdrawn from my Chase account by XXXX and unaccounted for.
Consumer complaint received 2021-09-21
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. (AZ)

I have a couple of account that are not mine, I have reached out to them to have it removed as fraud. 
XXXX XX/XX/XXXXXXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XX/XX/XXXX, Have never done buisness with them, Completely Fraud.

Inquiry From XXXX XXXX Not familiar with them.

Inquires FromXX/XX/XXXXXXXX The information is not matching, I have sent a validation letter to them more than 30 days and have not received any updates.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 XXXXXX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-11-01
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to request the immediate blocking and deletion of a fraudulent inquiry on my credit report, as I am a victim of a data breach and identity theft. According to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to maintain its accuracy.

Please remove the following unauthorized inquiry from my credit file : XXXX XXXX  Date of XXXX : XX/XX/year>
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (MA)

On XXXX XXXX i requested a security freeze online, submitted required documentation drivers licence and copy of lease. Did the same with XXXX XXXX, XXXX, and XXXX all request granted except core logic. I was told that the core logic no longer provides credit freezes to consumers, red flags XXXX is blocking my credit freeze for core logic to keep negative information inaccurate information on my report. Staff at core logic are not respecting my rights as a consumer to place a security freeze on my credit, the same is true of XXXX. Missuse of my personal information without my consent and the information is not up to date, it's in accurate. Request was made for all at the same time
Consumer complaint received 2021-09-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RAB, INC. (MD)

On XX/XX/2021, I contacted ecommissions about a letter that was sent to a 3rd party a present employer referencing an account still in dispute for non-payment by XXXX XXXX  XXXX XXXX. 

The director of defaulted accounts Ms XXXX XXXX was unproductive and unprofessional. Ms. XXXX was very argumentative, belligerent, and disrespectful. She was unable to answer my questions referencing the threatening letters received. XXXX invaded my privacy and harassed me for the last time is what I said. 

Further, Ms. XXXX XXXX the director of default advised that I obtain a lawyer regarding the monies in dispute because the file in question was referred to their attorney for payment. RAB, Inc is not an attorney office and awaiting figures for settlement or a payment plan. MsXXXX XXXX state the loan is personal but its a commercial debt. I do not own any shares in XXXX XXXX XXXX XXXX or the title company I am seeking damages for the threats, invasion of privacy, violating for greed, breach of peace, and XXXX attempt to diminish my name with new broker of record. 

The harassment started when XXXX could not get in contact with XXXX XXXX XXXX broker XXXX XXXX XXXX the owner and broker of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX XXXX.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (MA)

I got a mortgage on a mobile home in North Carolina a year ago. On XX/XX/2021 my home was delivered to my land. The company that I bought the home from gets paid by the mortgage company or bank a financial institute that holds the construction mortgage pays forThe home and fall when its delivered to the land. As a consumer we need to change this policy. The home should be partially paid for and then paid in full when you get an occupancy permit. I have had my home on the land for over three months I still have no occupancy permit. Im paying a mortgage and a high rent plus a storage unit for my stuff because I sold a house Believing that my home was going to be ready within 2 to 3 weeks after it gets on the land. Thats not the case Ive heard multiple complaints about this. I want to know how I can go about making it a law that the financial institutes that finance mobile homes do not pay for the home in full until there is an occupancy permit. 
If you can lead me in the right direction to do this. It would be greatly appreciate it. Thank you XXXX. XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/XXXX : I was a victim of identity theft through a theft of my XXXX and associated passcode and wallet. The phone and XXXX XXXX were used to make many unauthorized transactions ( approx {$6000.00} ). I notified XXXX XXXX within hours of the incident as well as providing a police report to the same effect. I also requested my account be closed as I no longer had the card or XXXX. The account was closed as requested. 

XXXX XXXX disputed the transactions and after an investigation found all fraudulent transactions to be truly fraudulent and did not hold me responsible. 

XX/XX/XXXX : However, several months later, I was notified of a delinquent account on my credit report in the amount of about {$100.00}. I contacted XXXX XXXX to dispute this report and informed that as a matter of course in reversing the fraudulent transactions, XXXX XXXX actually charged me a small percentage of each transaction due to their rewards program. 

I explained that I did not have access to these rewards as I lost the phone and closed the account ( I actually believe the thieves may have used those rewards too ) and that I should not be responsible for downstream effects of fraudulent activity, regardless of XXXX XXXX rewards program . 

They informed me they would open a dispute and I have had no resolution since. 

At the same time, I filed an identity theft dispute with TransUnion and XXXX ( the reporting agencies at this time ). They both opened investigations and apparently XXXX XXXX continued to verify the accuracy of the delinquent account. 

In early XX/XX/XXXX I paid the full balance XXXX XXXX alleged that I owe to a void their continued reporting, however I contest that any amount was ever owed. 


I have also attached the original dispute letter which includes my police report as well as my FTC Identity Theft Report.
Consumer complaint received 2021-09-21
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: EQUIFAX, INC. (PA)

On XX/XX/2021 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am currently being victimized by Wells Fargo. This is not the first time I have had the same issue with Wells Fargo. I strongly believe they are using illegal, fraudulent, and deceptive tactics to boost sales of its banking and financial products. 
They blocked my cards. Therefore; causing my account to basically freeze for 6 unnecessary days. It's not resolved yet. I'm hoping I receive my replacement card tomorrow. I was promised 24 to 48 hours ( 6 days still no card ). I was promised expedition or rush. I contacted XXXX 4 different agents verified. Wells Fargo did not select weekend or overnight delivery. Only sent with a regular shipping label. XXXX said that Wells Fargo could still have it sent overnight. Wells Fargo, refused. Unable to make outbound calls. 
What Is there purpose? I was lied to by Wells Fargo representatives multiple times. Was treated rudely and disrespectfully hung up on multiple times. They know I have to call back. So that is time consuming and costly. I should be compensated for my time wasted. Wells Fargo, made the decision to block my debit card. Claiming suspicious and fraudulent activity. I was embarrassed and humiliated at a retail store. My debit card kept declining. This same exact situation just happened less than 6 months. With the same merchant XXXX XXXX XXXX " attempting '' to use my debit card. 17 times from XX/XX/21 - XX/XX/21 on just 1 card. Then literally the next day my other card was compromised by XXXX XXXX XXXX. So, currently I have no debit cards. I requested a receipt or something displaying these attempt from XXXX XXXX XXXX with exact dates and amounts. The amounts are all {$0.00}. Dates just told XX/XX/21 - XX/XX/21. I asked for the same info on the other compromised card and multiple representatives were unable to provide me that info. Wells Fargo is victimizing me by claiming there is fraudulent activity ( that they can't show me proof of ) blocking the usage of my account. So far for 6 stressful and unnecessary days. If they are going to make these decisions on my personal account. I should be feeling safe and secure that my debit card will be in my hands 24 to 48hr no matter the day or night. As I was promised. It's all a lie and I feel schemed and unprotected by Wells Fargo.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2021-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

The bank called me and alerted me that I has some questionable transactions on my account. After going through the transactions over the phone with them, I noticed that there were other charges on my account that were not approved either. 

I submitted the claim and the entire claim was denied, because they didn't see any evidence of fraud on my account and they advised me to call each merchant to see if they can process me a refund. 

After calling the first company XXXX they looked up the information and someone under the name XXXX XXXX used my account number which I have no idea who that is. 

My frustration comes from the bank not doing their jobs properly, I made one phone call so far and got this information, the other difficult part is that I have no information to tell the merchants other than my debit card number and some of their systems aren't allowed to enter that information.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.