davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY (CA)

About 30 years ago I opened an account with overdraft protection with Wells Fargo Bank. 
Last year there was a overdraft on a check. The Bank never told me they were opening a credit card account for that overdraft. that was charging the maximum amount on the overdraft, interest and fees. A statement came in the mail about two weeks ago ( the only one sent ) saying we owe almost 2400.00 dollars to the Wells Fargo credit account which I didn't know about. The bank was doing automatic transfers out of our account to the credit card until now. I talked to a XXXX XXXX in Customer Service about this and he asked didn't Wells Fargo Bank tell you that they were opening and account in your name? XXXX was not aware of this account until now. XXXX XXXX told my husband and me that someone will call us tomorrow from Wells Fargo credit card. I talked to XXXX XXXX XXXX @ XXXX She Opened up a claim on XX/XX/2018 The claim was about this account my wife was not aware of. XXXX XXXX XXXX said she would get back to my wife and with the decision tomorrow. That XXXX XXXX XXXX would call by noon. But I was anxious after XXXX XXXX came and went. I called and a XXXX XXXX answered the phone saying XXXX XXXX was out for the day. XXXX XXXX said call on Monday.
Consumer complaint received 2023-07-11
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MO)

Equifax shows  XXXX  open disputes for the same item  XXXX   XXXX  's creditor ). I disputed the balance and credit limit online however when I tried to attach documents and error message appeared. So, I called and was told to fax the documents. I faxed the documents  X/XX/17    and the  XXXX  information was updated on  X/XX/17   . HOWEVER, they did not close the original dispute. Even though I 've explained it is now correct thanks to them. One rep told me the online system actually did accept my docs even though an error message popped up and that when I faxed the docs their system automatically created a  XXXX  dispute. They refuse to close these disputes which have already been processed and corrected and seem to be reading a script that says I " have to wait until the  30-45 d ay period is over before the disputes are removed. '' As of today diputes #  XXXX  & #  XXXX  are both open and need to be closed immediately as I am trying to obtain a mortgage and these open items are blocking anyone from running my credit reports. In addition, I submitted paperwork via fax to remove an erroneous Tax  Lien  and they said they 're not sure that " released as erroneous '' means that they should remove the lien but instead it might mean that the issuing creditor should never have listed it as released so they are leaving it on my report. They did not read the rest of the letter from the creditor which states that " the above liens were ISSUED IN ERROR. '' Not sure how anyone can mistake that erroneous means it was an error. Thank you! : - (
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MS)

Purchased a   XXXX    XXXX   XXXX . Went through a divorce. I could n't pay thet the amount of  XXXX  a month on  XXXX  income. They repo the vehicle, sold it a a auction ( which they sold it for way less than what we owed. Now, Ally financial recovery asset wants me to pay  XXXX . What a joke.
Consumer complaint received 2023-07-11
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX US DEPT ED XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IL)

ERC located at XXXX XXXX XXXX. XXXX, FL XXXX was contacted on XX/XX/18 and failed to provide answers to all of my questions. They were unable to provide me verifiable proof of any copies of an original document to prove I owe this debt allowed to me under my rights of the FCRA. I told the representative from ERC that a copy of a statement is not proof and a verifiable copy of original is required by law. I am asking this supposed debt be removed from my credit report as it is hindering my ability to obtain a mortgage, auto loan, etc.
Consumer complaint received 2023-07-11
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: ENCORE CAPITAL GROUP INC. (LA)

I mailed the following letter to Midland Funding and have not yet received a response. Please see correspondance below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Midland Credit Management, This letter is a formal complaint that you are reporting inaccurate credit information. The report I received contains a series of items that should not be on my profile. The account in question are listed below. Please send me a copy of the signed contract I have with you to do business. Please send me complete documents that you used to calculate any and all amounts you say that I owe you. 

If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately and all negatives effects that have impacted my credit. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, ALL UNVERIFIED accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 


MIDLAND CREDIT MANAGEMENT OPENED XXXX {$1000.00} XXXX XXXX XXXX Thank you for your cooperation in and prompt response in resolving this matter. 



XXXX XXXX
Consumer complaint received 2016-01-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NV)

I had a loan with Santander USA and paid off the car. I have an overpayment of {$350.00} and I 've been waiting since XXXX for my refund. Each time I call, I get a different answer on when I will receive my refund. The employees are extremely rude and condescending. I made every payment on time and I am getting treated like dirt now. I am not even sure they were applying my payments correctly for the last 5 years. The customer service says that the accounting department does not have phones so I ca n't request a breakdown of payments made. This company is a scam!
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (TX)

These hard inquiries were not authorized and are as a result of identity theft. 
Please delete hard inquiries from credit file. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-11
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: BARCLAYS BANK DELAWARE (SC)

I applied for a credit card and received mailed notice from Barclays Bank stating they needed additional information. They requested copies of my current drivers license, copy of utility bill, and copy of my social security number. Although I had reservations about providing my SSN, I did send them the first two items and a copy of my Medicare Card which clearly shows my name and social security number. After a few weeks had past, I called to find out the reason for the delay in issuing my card. They insisted that they must have the copy of my social security card in order to process the application. 

Since the information they requested was to verify my identity, I offered to send them a copy of my birth certificate or any other information they needed to prove my identity and citizenship as an alternative to the social security card. My Medicare Card is should be as valid as my social security card for providing my social security number. 

As far as I know, there is no XXXX requirement that states that a financial institution MUST require its customer to provide a social security card as valid documentation in order to do business. I feel that their insistence on requiring that singular piece of identification, and one the Social Security Administration itself suggests against providing, represents an unfair trade practice by the bank. This situation could be easily avoided if Barclays would accept other primary types of identification.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Account name : Capital One Account number : XXXX Account name : Capital One Account number : XXXX Account name : Capital One Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Has 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 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 even if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
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. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX  XXXX XXXX, and XXXX  XXXX XXXX. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (CA)

Debt collection company EOS CCA called my work line hundreds of times over the course of the past several months at all hours of the day. Each time a robo coller with no person on the line would call then hang up from dozens of different numbers. When I called to tell them to stop they would not respond. When I blocked their phone number they would use a different phone number, This effected my business and has cost me thousands of dollars in damages. ( Since I won't answer unrecognized numbers we have lost many prospective sales as a result. )
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX/PayPal, Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
Consumer complaint received 2024-10-20
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. (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. 

Account name : XXXX XXXX Account Number : XXXX, Account name : OFFICE OF THE ATTY GENER Account Number # : XXXX, Account name : XXXX XXXX Account Number : # XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, has 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 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 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 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-07-11
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)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX  XXXX XXXX, and XXXX  XXXX XXXX. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-07-09
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request/inaccurate information correction. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately. 

XXXX XXXX XXXX with account number XXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately 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 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this I request that you correct this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this inaccurate information be immediately removed and made up to date from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old. 

Truly, XXXX XXXX XXXX
Consumer complaint received 2018-08-11
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PB Financial Group Corp (CA)

XX/XX/18 ... P B Financial Group Corp. ordered a UNAUTHORIZED credit report through XXXX XXXX XXXX XXXX. I was seeking a private 3rd mortgage refinancing through a 3rd party broker XXXX XXXX who is noted on attached email communication documents where I clearly stated to him that I was NOT authorizing ANY credit report inquiries by anyone relative to this loan process. I did NOT sign, nor AUTHORIZE PB Financial Group Corp. to run my credit report per their attached UNSIGNED by me ( XXXX XXXX ) Borrower 's Signature Authorization, which was witnessed, and stated in writing by ( attached ) email/text communication between myself ( XXXX XXXX ), and  XXXX XXXX!!!