davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo first told me they. Any process payroll for me because I have lots of staff dont have social security numbers. At first, maybe I thought theyre Arizona based company and dont understand CA. Then I found out another different entity that I operate in WA got closed too ( all staff there have social security numbers ). I asked them why then they said because of me. 
Then about a month later, I got letters fro Wells Fargo to inform me that its their business decision to close all of my accounts on XX/XX/2019. They didnt tell me any reason but told me its their business dicision and nothing else.
Consumer complaint received 2023-08-16
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: Aldous & Associates, PLLC (AZ)

Hello my name is XXXX XXXX. I am a recent XXXX XXXX and have been recently looking for places to live in the next step of my life. There seems to be an incorrect eviction on my report that is holding me back from getting a house. 2 years ago I disputed and called all bureaus when I became aware of it. The athletic director from my university wrote a letter describing that I was a full XXXX XXXX. Meaning books and living are free so its mo way I could owe anything. It was athletic housing and I transfers mid semester to accept another full scholarship at XXXX  and another player took over the room.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

I have traveled to XXXX on XXXX as a tourist and then went back to XXXX to get my documentation and got my renewed SSN ( I first got it 10 years ago when I was in XXXX for XXXX months as a student ) on XXXX only. I opened my XXXX and XXXX and noticed that somebody took my SSN and opened JPMCB CARD $ XXXX my name. I disputed it via XXXX and they have removed it successfully. But it appeared on my XXXX and XXXX a month ago. I have my XXXX form as a proof that I entered the country as a refugee on XXXX until then my SSN was not even active. I would really appreciate your help. Thanks!
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

Applied for an American Express business credit card on XX/XX/XXXX. Was solicited several months during XXXX and early XXXX by American Express for a pre-approved offer by the company for my business, XXXX XXXX XXXX. I applied for the American Express XXXX XXXX XXXX XXXX. I attempted to accept this offer by applying and was denied. I do not have a fraud alert on my credit report, both my business and personal credit scores are excellent, my XXXX  is currently at above XXXX across the board. This doesn't make any sense. Of all reasons to be denied for a credit card, my credit score would never be a reason or factor for denial.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint against both XXXX XXXX XXXX and XXXX due to their continued dissemination of fraudulent credit reporting. The ongoing inaccurate information they persistently report concerning an account on my credit profile is deeply concerning and demands immediate attention. 


**Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** Individual **Date Opened : ** XX/XX/XXXX **Status : ** Paid, Closed. 
**Status Updated : ** XX/XX/XXXX I must stress that this account has never had a late payment, and been successfully closed and paid in full. 

XXXX XXXX XXXX is notorious for extending predatory loans to countless financially vulnerable individuals seeking to acquire used vehicles. These loans are laden with exorbitant interest rates and burdened with costly add-on products, thrusting borrowers into a cycle of debt. 

Fortunately, through my affiliation with the XXXX XXXX XXXX XXXX, I managed to refinance with the XXXX XXXX XXXX XXXX XXXX, effectively sidestepping XXXX XXXX XXXX exploitative lending practices. 

However, my optimism was short-lived, as it has come to my attention that the creditor deliberately withheld the payoff check for a staggering 60 days.

Subsequently, they purposefully relayed inaccurate information to the credit reporting agencies, falsely asserting late payment ( s ) of 30 and 60 days. These assertions conveniently correspond with the period immediately preceding the loan payoff.

I have undertaken several concerted efforts to dispute this misinformation.

While Consumer Reporting Agencies hold a pivotal role and bear the responsibility of utmost accuracy in reporting consumer information, the gravity of the matter necessitates a thorough investigation.

I earnestly request an in-depth inquiry, backed by concrete evidence in the form of statements validating any claims of late payments. It is my genuine plea that the account 's status be rectified to accurately reflect " paid in full, '' and any indication of late payments be deleted. These late payment claims are baseless, as I can affirm with absolute certainty that I was NEVER late in my payments.

This issue transcends mere discrepancies and strikes at the heart of my financial integrity. I implore you to understand the gravity of this situation and act swiftly to rectify these damaging inaccuracies. I kindly ask for your prompt attention to this matter and a timely resolution. You hold the power to restore the integrity of my credit report and, in doing so, alleviate the undue distress this situation has caused.

Please treat this matter with the urgency it deserves. I eagerly anticipate your comprehensive response, complete with a detailed plan for investigation and resolution.
Consumer complaint received 2018-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc. (TX)

I have reached out to the XXXX XXXX XXXX XXXX on XX/XX/2018 to  arrange the payment I owed them for the apartment complexes. I paid them full amount, I spoke to the manager on that location on XX/XX/2018 to be able to send me a deletion letter meanwhile it was taken off my credit. She told me to call the National Credit systems to get that form. I called them and they only sent me a settlement letter, I asked for the deletion letter and they said they wouldnt do it for me after I told them that the XXXX XXXX   XXXX XXXX apartments manager told me that they would be able to send it to me they still refused to do so after they agreed to.
Consumer complaint received 2023-08-16
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. (TX)

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 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

PHH Mortgage Corporation ( PHH ) of Florida currently services my existing 30 year fixed rate home loan. On XX/XX/2020 I called PHH Mortgage in response to an email offer to refinance my house. The PHH representative offered me a fixed rate of 2.75 % on a 15 year loan to refinance my existing home loan with PHH. I declined the offer, explaining that I had a better offer from a different lender. Today, I received a loan refinance package from PHH fora fixed rate of 6 % on a 15 year loan. 

I called PHH earlier today and asked to speak with a supervisor regarding this issue. The lady I spoke with said the supervisor on duty was busy and that she would have the gentleman call me. I have not yet received a call back. 

This seems like predatory lending practices and am reporting this for the following reasons : 1 ) The refinance package I received today is 6 % for a 15 year refinance, which is more than twice the rate I was offered on XX/XX/2020. This rate is also significantly higher than rates for similar products, especially given my excellent credit score of over 800. I am attaching a copy of the Loan Estimate and a copy of my credit score as provided in the PHH refinance package.

2 ) I received a refinance package today, even though I verbally declined the offer on XX/XX/2020. 

3 ) The lady I spoke with from PHH on XX/XX/2020 said she just had a couple of questions to get me a rate. She proceeded to walk me through the entire application process, explaining the whole time that it was just another couple of questions. I felt like I was being fed the elephant 1 bite at a time, but kept going on the assurance that we were almost done.
Consumer complaint received 2020-04-16
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. (MN)

There are addresses that need to be permanently removed from my report because they are incorrect. XXXX XXXX XXXX XXXX XXXX XXXX, Washington DC XXXX is INCORRECT and clearly was an error with the " XXXX '' dropped from " XXXX ''. Please REMOVE. XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX must be removed, this has been mixed up with the post office address and my P.O. Box number ( an incorrect combination ). 

My information was stolen from XXXX, XXXX, and XXXX. I dispute any and all credit debt associated with incorrect addresses. 

Please remove all phone numbers as my preferred method of communication is by email and most of these numbers are obsolete.
Consumer complaint received 2020-04-16
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. (GA)

I am writing this due to non-compliance with the CRA ( Transunion ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My file # is XXXX Note : This is my second complaint.
Consumer complaint received 2023-08-16
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-16
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. (GA)

XX/XX/, I downloaded a letter from courthouse website stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 2020-04-16
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. (NC)

URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

XXXX XXXX XXXX XXXX  - signed to get approved in order to obtain a XXXX Membership. 
Never activated the XXXX XXXX XXXX XXXX  - XXXX charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through XXXX XXXX XXXX XXXXXXXX since I am XXXX XXXX   The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to XXXX XXXX XXXX inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking my score dropping? I was assured on XX/XX/XXXX that the issue from XXXX XXXX XXXX would be reported to the credit companies [ Experian, XXXX, and XXXX XXXX. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of XXXX due to my new job. Can you please help me resolve this?
Consumer complaint received 2019-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

One Main from XXXX, Indiana is listed on my credit reports and I have never done business or obtained a loan from a company named One Main. Please delete from my credit report. I have asked them for proof of debt multiple times and have not received it.
Consumer complaint received 2023-08-16
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. (TX)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX,  XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I spoke to a supervisor at American Express from the XXXX Texas oce who on XX/XX/2023 conrmed that American Express back oce knew they were in violation of their terms and conditions which state Foreign Transaction None which I can send a copy if requested, but they intend to continue to charge these fees to all their customers regardless of their terms and conditions. I also have copies of three different correspondences from American Express which I can also provide that clearly states that they do charge a fee of XXXX on any foreign transaction. One letter states The converter results do not include the American Express conversion fee. the second and third letters state Please note that American Express uses a conversion rate that is effective within 24 hours of the time the charge is processed plus XXXX percent of the converted amount. They are overcharging all their customers as a group in the millions of dollars which is an estimate but realistic and will continue doing so unless a stand is taken by your agency and are able to force American Express to repay all their customers all the overcharges, for all long as they have followed these illegal practices. You have my phone number, please have someone call me in the managerial status to discuss further and provide me a portal to send the evidence.