davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

See attached document!!! 

On XX/XX/2023. Contact was sent to XXXX XXXX XXXX XXXX and Experian XXXX XXXX XXXX about several inaccuracies on my report. The following companies instead of acting in my best interest as a federally protected consumer ... XXXX and Experian continued to add information that is known to be inaccurate. I am shocked at their clear disregard for their duty to uphold the rights enacted to consumers. I am hurt and my rights to privacy have been violated.
Consumer complaint received 2023-06-15
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2018-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN ATTENTION DISPUTE DEPARTMENT : CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am on a payment plan. I contacted XXXX last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the fair credit reporting act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15USC 1681 ( 1 ) the credit bureaus don't have no written permission.

According to 15USC 1681 I have a right to privacy.

According to 15USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D2 Management LLC (DE)

The collector From D2 Management was very rude and pushy. He was trying to bully me into paying a balance from an " old '' payday loan. I asked for validation of debt. He told me that I didn't need it. I told him I was at work, he told me I had to handle this now. 
He did not say This is an attempt to collect a debt. Told me they would sue me if I didn't handle it.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (TN)

I have a combined statement for a period for my Mothers account ( XXXX ) between XX/XX/XXXX and XX/XX/XXXX. There is a checking and savings account listed but no credit card. I also have a combined statement for XX/XX/XXXX to XX/XX/XXXX. It lists a checking account, savings and a credit card ending in XXXX. I did not notice this until I went through the few hardcopy statements I have a few days ago. 
Since around XX/XX/XXXX and I was listed as POA, all statements or any mail from Wells Fargo was addressed to me or my Mother at my Tennessee address. There were never any credit cards sent for XXXX. At this point of time my Mother was having a lot of problems and we had to hire a neighbor so stay with her at times to make sure she ate something in the mornings or evenings and sometimes just to stay with her. My Mother was hospitalized XX/XX/XXXX at XXXX XXXX XXXX in XXXX. She would not have been able to request the card at the time in her condition. 
I understand that there were many accounts set up by Wells Fargo without the owners consent. This appears to be one of them. My concern is why was I not notified. It's to late to be a part of the class action.so what do I do. Is Wells Fargo off the hook for this or can the ignore it. How many other accounts were missed. I am expecting an answer from Wells Fargo.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I received a copy of my ChexSystems record and I have found several inaccuracies in the report. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In detail, you recorded that I had non-sufficient funds wI am disputing this record because I believe it to be inaccurate. Please request evidence of this unresolved outstanding negative record and investigate these items for me. 

I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc. (AL)

I am writing to dispute a fraudulent account that is being reported by Sezzle on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that Sezzle cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report. 

This is for the accounts XXXX and XXXX Both are listed on my credit
Consumer complaint received 2024-08-29
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. (MI)

Upon reviewing my Consumer Report, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (FL)

I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the Fair Debt Collection Practices Act ( FDCPA ), who have been threatened by legal action as unfair or unconscionable means to collect or attempt to collect an alleged debt by debt collector American Express by implication of attorney alleging a debt in excess of {$1.00} as a false, deceptive misrepresentation of a cash surplus/ credit balance as expressed by the Fair Credit Billing Act to unfairly mislead consumer to belief the omission of negative balance constitutes a debt balance. American Express use of false, deceptive, or misleading representation by account stated in connection with the collection of any debt by misrepresentation of the character, amount, or legal status of the alleged debt is disputed for validation, verification, and proof of claim expressly authorized by the agreement creating the debt. The debt collector has harassed me by furnishing my nonpublic personal information without sufficient proof of claim. They have failed to provide any errors, defects, omissions, or mistakes on payment instruments, nor have they followed the instructions given for the right of set-off in instruments tendered as full prepayment. Moreover, I have not been given an opportunity to rectify the matter or return the instrument with instructions or pictorial evidence for a satisfactory resolution. take notice the data you have in your possession, ascribed value of {$250000.00} lawful money is private, confidential, and licensed information, subject to exclusive use, intent, and purpose. I am notifying American Express of my rights associated with this exclusive offer, granting you permission to house and utilize this data under the condition that proper security measures are implemented to safeguard its exchange and usage in accordance with consumer protection regulations. I revoke consent to any communication by use of AI Technology and/or electronic agents.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 2023-06-15
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: NAVY FEDERAL CREDIT UNION (NV)

To Whom This May Concern, I pulled my credit report from each bureau to start the 2023 year. I noticed that there were some inaccuracies in my report on multiple accounts. I decided to mail validation letters to XXXX, XXXX, & XXXX on XX/XX/2023. In the letter I asked for each bureau to verify that the information was correct on the accounts in question. I never got a response from XXXX. XXXX and XXXX both verified all information as being accurate and they responded within 30 days. 

The information HAD NOT CHANGED AT ALL, BUT WAS CLAMIED TO BE VERIFIED. THIS IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT! 

I repeated this same process on XX/XX/2023. The bureaus received the Validation letters on XX/XX/2023. The only bureau that responded was XXXX. They sent a detailed copy of my credit report. They were still claiming that the information was accurate. 

After pulling my credit report once again. ALL THREE bureaus are still reporting different : High Credit Limits Last Reported Dates Date Last Active Date of Last Payment Different Balances The bureaus lied to me and said that the issues were corrected, but they clearly have not been corrected. This a VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. If each bureau is receiving accurate information on these accounts then all the items I listed should be reporting the SAME ACROSS ALL THREE BUREAUS!
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

XXXX XXXX XXXX in XXXX, TX fraudulently opened up an an account under my name without my knowledge. 

My husband opened an account with my children in which a card is on file and autopay is set up. When the account was opened he asked me on a call if I would like to join and I declined. 

The manager got my name during the process and opened up an account under my name separately to receive a commission for opening the account. 

The new ownership of XXXX admitted to me and my husband that they can see there is no signature from me or paperwork that has my signature. The new owners also admitted this same situation has happened to several other customers. 

The account was unpaid as I was unaware it had been opened. I have never used that facility at anytime or spoken to anyone prior to seeing the collection on my credit report. 

Aldous and Associates has collected the debt and is reporting on my credit report. 

I have spoken to the debt collector and XXXXXXXX  XXXX XXXX about this issue. The manager has been unhelpful stating this happened under previous management and they have no knowledge. Aldous and Associates has said I need to file a report. 

The manager at XXXX XXXX XXXX XXXX TX has not bothered to follow up with me. 

I have a perfect payment history on my credit report. I attended a Spin facility in which I have automatic payments set up. 

The account at XXXX was set up fraudulently under my name. I need help getting this removed as soon as possible. It is taking my credit score down XXXX points. 

I am also contacting you to alert you that other customers at XXXX, XXXX have also had this happen to them.
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (PA)

I paid off my mortgage but the bank ( WFSF ) refused to send me my mortgage satisfaction documents. They did not follow the law to send the documents to me but told me to contact county office to get it. County office said the bank had to send to me. Then I called them again but they still did not send it.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I received that some accounts are still incorrect, with a verified status. Please correct or delete the following accounts : XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$100.00} XXXX  XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-15
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: CITIBANK, N.A. (SD)

Best buy/citibank is reporting an account on my credit bureau that doesn't belong to me. It doesn't have my social because I've tried to look it up using my social and nothing comes up. This account must belong to someone else as I do not have an account. I have never received a bill saying I owed anything for an account and I have never Applied. I want this account removed from my credit bureau as it is showing a charge off and is significantly hurting my credit. I'm attempting to refinance my house and it is negatively affecting me.