davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 1692c, All charge off need to be removed under 15 U.S.C. 1601 15U.S.C.1681 ( e ) ( i ), All late payments 15 U.S.C . 1666 ( b ), 15U.S.C 1637 ( a ) the items that need to be removed are XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The XXXX XXXX Fair Debt Collections Practices Act Cal. Civ. Code section XXXX, et esq the XXXX XXXX
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I appear to be facing continued forms of harassment from EdFinancial. EdFinancial has sent me a letter with a date in XX/XX/2023 giving what appears to be very false " information '' about my " Federal Direct Stafford Loans ''. Further, upon logging in today XX/XX/2023, I can see that EdFinancial appears to have misappropriated my payment of {$70.00}. They have mentioned this money as " received '' but have not decreased my loan group with the highest rate by {$70.00}. They may have instead " punished '' me for what they believe to be a " crime '', which is standing up to them for their actions, by applying it to an interest loan group which I did not specify ; when I made this online payment, I specified that this {$70.00} should be applied to the highest interest rate loan group.
Consumer complaint received 2023-09-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We are over the age of twenty-one ( 21 ) and competent to testify, We are the true and lawful owners of the property located at XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX as such and contrary to the claims by Defendants, and all Banks noted to be involved with interest or the acknowledgements submitted to the Clerk of the XXXX XXXX , the Documents filed in the XXXX XXXX XXXX Georgia, Records, upon knowledge, information and belief, the documents have been falsified/forged/manipulated, they are the product of fraudulent and/or illegal acts, and we dispute the validity/legitimacy of said documents, including, but not limited to the document showing it is a Security Deed, and the Scriveners Affidavit, and any and all documents in the Record, as said documents are either products of fraud, or forgery, and/or the documents that led the Defendants to come to a conclusion not consistent with Plaintiffs claims, were the product of fraud and/or forgery, and there is a great likelihood, that the documents were obtained by illegal/criminal acts. BOFA MERRILL LYNCH XXXX XXXX XXXX XXXX was and is believed to be a prodigy of XXXX XXXXXXXX XXXX XXXXXXXX. 

IN GOD WE TRUST PSALM 91
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XX/XX/XXXX. I went to buy a house XX/XX/XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XX/XX/XXXX, not XX/XX/XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (MO)

On XX/XX/XXXX, I sent Wells Fargo Mortgage two separate checks from my credit union. Each check was for the amount of {$900.00}. I put instructions on both checks to have one check be applied for my XX/XX/XXXX payment and the other check to be applied to my XX/XX/XXXX payment. 

Apparently my instructions were ignored and one of the checks was applied to my principal only, which I didn't authorize. Due to them not following my instructions, my account is now showing one month behind and they have been charging me late fees. 

I called their customer service department twice on XX/XX/XXXX to explain the error. I told them I did not authorize them to make the principal only payment and that I wanted the payment corrected in order to get my account back to being paid on time and I want all the late payment charges removed. The customer service rep refused and stated she couldn't correct anything past 90 days. 

Due to their error in not following my instructions, I want the {$900.00} to NOT be applied to the principal ( I didn't authorize that ) and I want it to be applied as a regular payment as I instructed. I also want all the late charges removed and for my account to be shown as up to date. The payment I made on XX/XX/XXXX should have been applied to my XX/XX/XXXX payment.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number - XXXX Account Name - XXXX XXXXl Account Number XXXX XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

Experian Account Name - XXXXXXXX XXXX Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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 2024-10-12
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-01
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CT)

On the end of XXXX of XXXX, I XXXX XXXX went into my XXXX XXXXXXXX XXXX Wells Fargo branch to inquire on why all my accounts were frozen. I met with supervisor after waiting hours. She ( XXXX XXXX ) was very rude and said that my accounts were going to be closed due to me depositing a third party check. I attempted to explain that I wasn't aware that I couldn't deposit a check written from my company to non profit organization of amount {$200.00}. I ended paying cash and figure i can deposit check into my checking account. Her replied was that since I've been with bank for less than a year, I was not considered priority ( even though I had over an XXXX in my wellsfargo account ) She also stated that unfortunately all my account ( 3 Accounts total of XXXX ) needed to be closed out immediately. I became very apologetic and devastated because that was my primary account and all of my bills were set for auto pay with well fargo accounts. She stated that they couldn't do anything for me and I would need to withdrawl all my money and open up an account elsewhere. She also stated that as of XX/XX/2023 all of my accounts would be closed permanently and I would no longer have online access.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have been a customer of JP Morgan Chase for over 34 years. Suddenly, I was advised that all of my accounts would be closed and no reason was provided for this closure. I contested this and they would not reverse this decision. I am an entrepreneur who does not run a cash business, isn't in an illicit industry, I have a perfect credit score, I don't deposit cash balances and I have XXXX XXXX  of any kind. 

I have no idea why my accounts were closed after decades of being a loyal customer of chase. No reason was provided and they even closed my United credit card. This has been tremendously disruptive and I don't understand what I have done to trigger such a closer. Doesn't the bank have any obligation to their loyal and good customers?
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX, XXXX XXXX Result : XXXX 
Dispute Reason XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} XXXX XXXX XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (FL)

To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance XXXX {$390.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX.
Consumer complaint received 2023-09-01
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX  {$4800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
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: Avant Holding Company, Inc. (CA)

My credit report is showing late payments to AVANT LLC/WEB BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or AVANT LLC/WEB BANKs customer service representative.
Consumer complaint received 2023-09-01
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX