davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX  INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX of 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 2023-07-04
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. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2020-03-05
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. (TX)

As of today XX/XX/2020 XXXX XXXX is still incorrectly reporting that I have an outstanding balance of {$1100.00}. This balance was paid in full.
Consumer complaint received 2020-03-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (GA)

I got a random derogatory mark on my credit report for {$1200.00} and am being harassaed every day, being called every day, 5 times a day from a company I have no knowledge of AT ALL. 

I am XXXX years old and I have never missed a payment and had a 700+ score before this random derogatory mark on my credit. I am willing to do a " Pay to Delete '' if I absolutely have to even tho I have no idea where this charge is coming from. I NEED my credit back to XXXX to buy a house for my family.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The report I sending is to let you know my situation some one used my name and opens credit accounts the police know about it and I get the direction from them to send this report to the credit bureaus and the creditors to and know only ask for a help to fix the problem this is a identity theft the accounts on the list are fraudulent accounts. 
so the next step I don't know I only ask for a help to deleted the accounts from my credit report those are not mine I attach the list of the fraud accounts.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (TX)

This is a way that in this case Wells Fargo Bank, steals property that was in a contract that has, a non assignment or conditions on assignment, clause in it. Wells Fargo Bank uses mergers as a method to steal property. I the buyer and the seller of property, signed a contract, with conditions on assignment. The conditions were, that the contract could be assigned, but only, if I signed and accepted the terms of the, new contract. So per the conditions of the contract the seller and me the buyer, we assigned it to a lender, XXXX XXXX XXXX XXXX had their agent, sign to agree with. all the conditions in the contract. Let 's say. XXXX XXXX is the first lender that signed, agreeing to all the conditions In the contract, then XXXX XXXXl, breaches the contract, when they are taken over by XXXX XXXX, XXXX XXXX ignores the contract, then XXXX is put out of business, and is taken over by Wells Fargo Bank. Wells Fargo Bank, claims, ownership of the original contract, the one breached contract, breached by XXXX. But Wells Fargo Bank, " makes a material change in the contract, and anybody that knows contract law, knows that when a " Material Change, is done to a contract, that not only, allows the other party to the contract, not to have to do anything more, but it makes the whole contract " void '' and this is the law in any state inthe United States Of America, if anybody wants more proof, one question, why would Wells Fargo Bank, file a law suit, not under the name, real party in interest, ( Wells Fargo Bank ) which is required in any court, but Wells Fargo Bank, claims they are now XXXX, but Wells Fargo Bank, files the case to take the property, Wells Fargo Bank, files the case under the name of XXXX, who not only was out of business at that time, but XXXX XXXX never had the, contract assigned to it. By this way of stealing property, nobody 's property is safe when Wells Fargo mergers with another company.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2023-12-04
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. (TX)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and are being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 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 data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MD)

Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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.

The letters are stated with items and issues.

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 2020-03-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I opened a savings account with HSBC bank XX/XX/2020 online. I made 2 bank to bank deposit transfers to the bank. Which took longer than expected to complete. Once the money was in, I would log into my online account from work and cell phone every few days just to check for normal activity. Then at some point in early XXXX I received a phone call regarding my account. I was told that there was unusual activity and they would like to ask me some questions regarding when the last time I logged into my account was, where I was logged in from, what my social security # was, etc. I thought this was very strange. I asked what the problem was, and I was told that my account had been accessed from a remote location outside of the XXXX area. I was eventually told that someone from the XXXX had accessed my account. So, I took a step back and asked if this may have anything to do with the XXXX XXXX service I use on my web browser while at work. I explained I have it enabled on a single web browser and only use it while at work. I asked that if that may have flagged the account unintentionally. I was then asked where my deposits came from and I explained I transferred them from my personal XXXX XXXX XXXX  account and that I could provide any and all proof of my identity if needed. I was told that was not necessary and that the account would be closed immediately, and all funds would be transferred over to the originating bank, which I said was completely fine by me, since that was MY account anyway. I asked how long the funds would take to transfer and they said 10 days. So, I thought to myself, no problem as long as they send my money back, no harm done. So, I wait a full 11 business days and still nothing had arrived in my XXXX XXXX XXXX account. I was really becoming agitated at this point and decided to call HSBC and demand answers regarding the money they are holding from me since it was several thousand dollars. The representative I spoke with said that HSBC would send funds after they deemed it necessary and 10 days would be the minimum amount of time. So, I demanded he provide me with any and all info relating to my account, account #, routing #, where funds had been sent. The man refused to provide me this info and told me it was all at HSBC 's discretion on what to do with the funds. I asked that I be sent information via email or regular mail regarding the current situation surrounding my deposit money. He said that is up to HSBC only and they will decide how to move forward at their discretion. HSBC has essentially stolen my hard-earned savings money that I no longer have access to. I am extremely upset and demand they transfer all my money back to my XXXX XXXX XXXX account. It's now been over a month that my money was taken without any valid explanation and NOT returned.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On Monday, XX/XX/2020, I filed a dispute with Experian to dispute the erroneous name, of XXXX XXXX, being shown on my credit report. 
I have NEVER used the name XXXX XXXX without adding the XXXX. as my middle initial and it should have never been added to my credit report without the XXXX. 
This is a fraudulent, erroneous entry as I have Never used that name. 
The ONLY name that should appear on my credit report is XXXX XXXX XXXX. 

On XX/XX/2020, Experian sent me a letter refusing to remove this fraudulent, erroneous name and Experian also stated that they would never accept a written dispute sent thru the mail.
Consumer complaint received 2023-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

15 U.S.C. 1681 c-2 a consumer reporting agency shall block reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days. This practically shows that you are in violation of this law because I am a victim of identity theft. These accounts should not be furnished on my consumer report as they are in violation under, 15 15 U.S.C. 1681 b 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 instruction of the consumer with whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. Kindly delete these accounts immediately.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

I called on XX/XX/XXXX in regards some overdraft fees that I had occurred during XX/XX/XXXX. My work slowed down and I was involved an a car accident and got injured. So, I went ahead and called the Chase bank and got a hold of a bank representative and told him my situation. And, he told me that I could resolve this issue with them after the month of XX/XX/XXXX. So, I called on XX/XX/XXXX in regards to my refund fees and they flat-out told me no, without allowing me an explanation and, nor any remedy to my situation. The grand total of all my overdraft fees and insufficient fees are totaled to {$510.00}. That's a huge amount, and this is an insult and injury added to the situation. Now, I might not know all about the laws and regulations. But, this institution should atleast have an oversight on how the customer or notify the customer of insufficient funds. I would love this resolved without any further delays or institutions involvement or the media. 

Thanking you, sincerely XXXX XXXX XXXX Chase Bank customer
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2019-09-09
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: CORELOGIC INC (CA)

I have been denied a rental unit due to an unsuccessful attempt to gain access to my credit report via XXXX, who asked me for further identification using unfair and unrelated questions. I have been applying and getting denied for an apartment due to inaccurate questions being asked of me for further identification purposes through XXXX. I applied for an apartment on XX/XX/XXXX at XXXX XXXX XXXX . in XXXX, CA who uses a company called CoreLogic ( Rental Property Solution ) to run credit reports through XXXX. I paid {$35.00} ( Twice ) and was told that I needed to further identify myself through a link sent to my email with questions that were supposed to pertain to myself, randomly selected and provided by XXXX. The questions I received did not pertain to me. For example, I was given a question asking to choose a phone number I am associated with, I either have never had these numbers or they are so old that it is unfair to ask me to remember them and then deny me when I don't. Another examples would be a question asking me to choose the person whos birthday falls on a particular date, not only did I have no association with the people listed in the multiple choice question, but it is unfair to assume that I would know their birthdays even if I had known them. I was charged twice for this service and two hard inquiries have been put on my report regardless of the fact that it was the same company and they said they were unable to run it due to inability to verify who I am. I am in desperate need to have this issue resolved, as I can not find a place to live if I am constantly denied due to unfair questions asked of me. My two-year old daughter and I are within weeks of being homeless due to this issue. I need these questions removed pertaining to people, phone numbers and any other information that does not pertain to me. Seeing as I do not know what questions I will be asked ahead of time, there is no way for me to inform you of which future questions I may be asked that will be incorrect or that I can not answer. I am requesting that XXXX provide my report to CoreLogic, as previously authorize, twice, and remove these questions that were asked of me so future inquiries will be process without delay. I would also like those two hard inquires from Rental Property Solution ( dated XX/XX/XXXX & XX/XX/XXXX ) taken off my report as it is unfair for my report to be impacted by an inquiry that could not be completed once, much less, the two times it is on my report from the same company, for the same reason. Thank you for your time and I look forward to a resolution.
Consumer complaint received 2020-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CERTIFIED COLLECTORS, INC. (TX)

CERTIFIED COLLECTORS XXXX XXXX XXXX XXXX, TX XXXX USA is reporting on my credit report false data and I disputed multiple times and called multiple times to have them provide proof and I have call XXXX  XXXX  client and they dont have any proof or information so how is it I still take my animal to XXXX  and they still being seen there and I have a XXXX balance on my account if I owe certified collections is just doing anything and everything to get money out of me on top of it I have a phone recording of them telling me I have to pay all my collection account off before they will report one paid off XXXX   XXXX  XXXX  said they sold there account to certified collections We have been use XXXX XXXX for 8 years now and I have spent in one year over 11,000 on vet bills and I keep all my receipt and proof of payment so Show me proof it my bill or remove because I have proof it NOT MY BILL and nor will i settle or pay because it not my bill XXXX  XXXX  XXXX
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One - unauthorized transaction Capital One XXXX XXXX withdrew {$850.00} from my account. Called Capital One as I do not have an auto loan with them. I was told by Capital One to call my bank as they did not find an auto loan account under my name. I spent over an hour on the phone with Capital One and no one can explain how they got my account number or why they stole money from me for an account I do not have with them. I was told there is nothing they can do to return the money as I do not have an auto loan with them. So how are they able to withdraw {$850.00} from my checking account?? 

I have other bills that are going to be due soon and I will not be able to pay those bills? When I get insufficient fund charges I believe that Capital One should have to pay these fees.
Consumer complaint received 2019-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I attempted to pay a Nelnet loan group in full on XX/XX/2019. I tried to pay by debit card but Nelnet said that my account number on file was sufficient. Several days later, the payment wasnt processed and declined. I called Nelnet to make the payment by debit card and the debit card was declined. I increased my debit card limit to pay the loan group successfully and I call Nelnet again and they said it is US Department of Education/Nelnet policy not to let me make a payment more than {$2000.00}. Im begging for Nelnet to accept my payment so I dont accrue any further interest in this loan group. This is sadism.