davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (NC)

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, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$16000.00XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
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: TRUIST FINANCIAL CORPORATION (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXo my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2023-02-22
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-22
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. (TX)

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

The above message was sent via mail on XX/XX/2023 to the Credit reporting agency regarding a student loan account. They refused to follow the law on XX/XX/XXXX that clearly states they are in violation of government code 15 USC 1681a. I've requested the account to be removed from my credit report.
Consumer complaint received 2023-02-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp. (CT)

To Whom It May  Concern, 15 U.S. Code 1692F Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2023-02-22
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. (FL)

You are in violation of federal law under the Fair Credit Reporting Act. Under FCRA 15 USC 1681b-Permissible Purposes of Consumer Reports ( a ) IN GENERAL. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave ( Bureau name ) any written instruction to furnish a consumer report, No content is identity theft. A copy of the identity theft report as marked Exhibit A attached. 

Furthermore you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairy and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems. 
You have prevented me from extending credit and stopped by livelihood by violating my rights to consent and privacy. 
Fairness, impartiality and a respect for my right to privacy was not extended to me. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me. You furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. 

An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I was informed by Truist Bank that I have an administrative hold on my bank account. I was attempting to make a purchase and my purchase was declining ; therefore, I contacted the Truist Bank to see why my purchase was declining. I went to the Truist branch in XXXX, Ga and the representative contacted XXXX XXXX from the corporate 's office in North Carolina. XXXX XXXX informed me that my account is an LLC and that I made payment to the defendant from the account which proves that it is an LLC account. XXXX XXXX stated that they will not be release no hold from my DBA account. There's no law that states that I can't pay certain people out of my account. I had to make an appointment with a local Truist branch in XXXX, Georgia and I provided them with all documentations to prove that my account is a DBA account not an LLC account. I provided them with documentation that m.y TIN on file with Truist Bank is my DBA account. I also provided IRS documentation of my TIN for my LLC which is not the TIN on my account at Truist Bank. My account with Truist Bank is an DBA account. I provided proof that my LLC with the State of Georgia was established on XX/XX/XXXX and my account was opened with Truist Bank was on XXXX.The amount of the judgement is different from the amount that is on the administrative hold. The amount once matched the judgement amount than after I had a disagreement with the defendant 's attorney the amount went up on my Truist Bank account. I will be pursing legal actions against Truist Bank because this have caused my financial hardship, mental distress and is causing my credit to be ruined because I'm not able to pay my bills all cause of ignorant employees of Truist Bank. Ms. comb is practicing out her scope by trying to make legal decision without using common sense that this is now putting Truist Bank at state for more legal actions.
Consumer complaint received 2023-02-22
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. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC (NC)

XXXX XXXX is attempting to collect a debt not owed. I submitted CFPB Complaint ID no. XXXX with XXXX, CFPB complaint ID no. XXXX with XXXX, and CFPB complaint ID no. XXXX with XXXX along with attached FTC Identity theft fraud affidavit Report XXXX. XXXX, in reference to account no. XXXX with the creditor ( XXXX XXXX ) making the credit reporting agencies and the creditor aware of the fraudulent account. This information was submitted on XX/XX/XXXX. The account was deleted and blocked from my credit report by the Credit Reporting Agencies. Under law when an account is blocked as a result of identity theft the account can not be sold, transferred, or placed into debt for collection. Brock & Scott has contacted me as of XX/XX/XXXX, attempting to collect a debt not owed. XXXX XXXX has violated my rights under the FCRA. 

" Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. ''
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

Good afternoon, I opened a checking account with Wells Fargo on XX/XX/2018 pursuant to offer code XXXX for a {$200.00} cash rewards bonus. My understanding was that I needed to open the account with at least {$25.00} and do at least 10 debit card transactions per month for 3 months - which I did. However, after the 3 months passed, I did not receive the bonus.

I contacted Wells Fargo and they sent me a letter saying that I did not meet all the terms of the offer. After going back and reading all the fine print, I realized that in the fine print it says " Use your Wells Fargo Debit Card to make 10 posted purchases or payments each month of at least {$1.00}, for three consecutive months following account-opening. '' I did make at least 10 purchases each month and they totaled more than {$1.00}. However, I assume that Wells Fargo is asserting that each transaction has to be at least {$1.00}. I think this is very confusing and is just another example of a large bank like Wells Fargo trying to take advantage of working Americans by relying on fine print, that is at best ambiguous.
Consumer complaint received 2023-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (GA)

On XXXX of XXXX I was advised from LVNV Funding LLC also known as XXXX & XXXX, of a very old account in which was closed and no longer relevant. 

I had to create a new complaint cause in my previous complain statement ; I got confused, I thought they were talking about XXXX. But today I am totally 100 % that the account is a Credit Card for XXXX XXXX that LVNV Funding is claiming I owe. 

This account was opened on XX/XX/XXXX first of all in the State of Florida. 

According to the Statute of Limitation on Debt Collection practices for Open Ended Contract in the State of FL is 4 years since the last payment ( year XXXX ) to the Owner of the Account. This is no longer valid to collect, also they purposely altered the date on the credit as reported this XX/XX/XXXX, also said that the account was opened in XXXX. This is a lie and it's also illegal. I am going to make sure, this company gets what they deserve ; cause they were frivolous with bad intentions towards me. 

They keep claiming I owe that money in which I don't. A Sheriff from XXXX XXXX in which I live, my current State is Georgia. The XXXX came to my house with court papers on XX/XX/XXXX from this Collection Company. I disputed that, and that this account was in another state ; they have being persisting on my credit report after they sued me on XX/XX/XXXX. 

I am writing with a copy of the letter attached I've received from the XXXX XXXX XXXX XXXX XXXX Making this email short, LVNV Funding failed to appear in court on XXXX XXXX and the case was dismissed without prejudice by the court. So meaning LVNV Funding needs to erase the debt, remove the credit inquiry from the XXXX and also don't ever send letters about this account anymore. In that year we were also in the middle of the pandemic, economic hardship, and problems with everything around us. My brother also passed, and I had to invest in a lawyer service because of this company harassment and not being willing to cooperate. I have all the proof at my favor to show, I am only uploading 2 documents. Appreciate any help the CFPB can provide, and thank you. XXXX : I also notified the XXXX on that date too, XXXX XXXX.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

I hired Proficio Financial Services of XXXX XXXX to collect a judgment in XXXX of last year with the agreement that they would maintain consistent communication with me. After not hearing from them and they not responding to messages I fired them in XXXX and took action as a XXXX XXXX XXXX. In my work ( XXXX XXXXXXXX XXXX ) I attempted to contact the debtors liability insurance carrier at which time I discovered that Proficio was still trying to collect the debt, had actually collected money from the debtor, and had failed to contact me or send me any of the money collected. 

I contacted Proficio and was told by an employee that they were in fact attempting to collect on the debt and the debtor had made 2 payments. I contacted the owner and was initially told the debtor had blocked their number. When I told him I had evidence that they were still trying to collect on a debt that I had fired them from and I was aware that they had been paid, I was told the debtor had made one payment and that it was my fault that I " lost '' the check. When I emphasized that I was aware of multiple payments the owner told me I was wrong. I told him to stop working on collecting the debt and to send my money. 

I have evidence that 2 payments were made and that the only reason I got any money from Proficio was because they got caught. There is an old adage in the investigative field that says ; If you catch them one time there is most likely 10 times they got away with it. I can not guarantee that they have stopped attempting to collect this debt. I contacted the debtor to let him know not to send any more money to Proficio.
Consumer complaint received 2023-02-21
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)

Dear Sirs, I never asked the company ( Equifax ) to monitor my credit record but no they took control and report my credit. Some time ago they told me that, I had my credit information compromised from their database and sent me information to pay more scrutiny to my record. 

As my credit card company shows below my FICO record is affected because of their laziness and inaccurate system monitoring. Their system downgrade my FICO score because it did not see any home mortgage payment from my account. Because of that the system downgraded my FICO score. In the first place, I did not choose them to be my credit score bookkeeper and they are doing a lousy job. They have not got any record from my mortgage company about my payment default. They will not because I have paid off my mortgage and do not need to pay the monthly payments. Their system is so dumb that it does not detect these changes and still, it faults the helpless consumer. 

First, they compromise security and lost my financial record which I did not ask them to keep secondly they do this gross mistake and am surprised that they are still bullying me to hold and judge my financial activity this is injustice and mafia action. Because I do not believe this company is qualified to do such a service. I have no auto loan or student loan currently but their vague judgment is based on not showing such debts. How much do they know their customers? Below is the reasoning for their credit score downgrading.

Key Factor ( s ) Affecting Your FICOScore : * 1Number of accounts with delinquencyMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to FICOScores. Your score was impacted because your credit report shows one or more accounts with missed payments. 
* 2Lack of recent installment loan informationFICOScores consider recent non-mortgage installment loan ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans.
Consumer complaint received 2023-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

I was told that FHA loan servicing companies had to provide web portal access to view their mortgages. I have been using Rocket Mortgage without any problems for some time however they have recently implemented MFA or multi-factor authentication. This requires a cell phone to authenticate on their website. I cancelled my cell phone and they are refusing to provide me with access to my mortgage information without one. Having a cell phone was not a requirement for a FHA loan so I believe they may be engaging in class warfare against those unable to afford cell phones. Is this new policy that they implemented even legal? I mean they won't even give me the option to authenticate via an email code, it MUST be a cell phone. If this is legal, will they provide me with a cell phone to use so I may authenticate on their website?
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (GA)

I have contacted XXXX XXXX via letter and phone call requesting a copy of the agreement or contract bearing my signature to validate the debt is indeed mine. They responded with a system generated letter. Stating my request was too vague in nature signed by a XXXX XXXX. I replied back via letter again requesting documents to verify the debt is mine. No reply this has been in excess of 90 days and I have sent 3 different letters. 

I also called to speak with XXXX XXXX to ask how was the truest too vague I was informed that she has no worked for XXXX XXXX in years. Due to failure of verification request removal and deletion of debit for all credit reports