davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (CA)

They are not reporting two years worth of payments. I reached out and they told me they couldnt due to some kind of informational hold on my account. They told me the hold was released from my account but they are still not required to report all payments since the hold was there in the first place.
Consumer complaint received 2023-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

I have reported identity theft to Belk/Synchrony several times. I have provided them with my FDLE Sworn Affidavit and all necessary statements in order for them to properly handle the fraudulent charges. Belk/Synchrony failed to complete a thorough investigation of my account leading them to send my name and account information to collections.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-04
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. (CA)

This is my 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : {$1100.00} DEPT OF ED/XXXX  XXXX Balance : {$5900.00} DEPT OF ED/XXXX  XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$3000.00} DEPT OF ED/XXXX  XXXX Balance : {$5800.00} DEPT OF ED/XXXX  XXXX Balance : {$9300.00} DEPT OF ED/XXXX  XXXX Balance : {$10000.00} DEPT OF ED/XXXX  XXXX Balance : {$350.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$3900.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$18000.00}
Consumer complaint received 2023-09-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (NV)

Violations : 15 USC 1642 15 USC 1681, 1681 ( m ), 1681 ( n ), 1681 ( o ) 15 USC 1682 ( n ) 15 USC 1691 ( c ) 15 USC 1692 ( k ) 12 CFR 1002 Unauthorized use of my credit card ( social security ) Running my credit multiple times with my consent & also without my consent, and admitting to a date on the recorded phone calls ( I have 2 recorded phone calls with the Westlake financial services representatives ) They advertise that they accept all credit types but denied me every time ; even after the improvement of my FICO score.

They have caused me emotional distress, making me feel as if I will continue to be denied if I were to keep applying, and financial hardship as I am on the verge of homelessness and my car is on its last leg, because Im not able to get a loan, nor do I feel confident to even apply for any loans. 
This is a violation of my civil rights and consumer rights because it hinders my participation in my pursuit of happiness under the Constitution, and Declaration of Independence. When Westlake Financial Services contracted with me when they pulled my Social Security number and used it to run a credit check on me, they became a trustee in my trust and since I am the beneficiary, the trustee has a fiduciary obligation to benefit the beneficiary. Using the off-ledger funds in my Social Security Trust account would cover the cost of the car. They have probably used so much of my credit that I could have probably bought several high end vehicles if they had just complied with extending me my own credit. 
I will be mailing the company a response since I cant get one over the phone of an adverse action against a corporation / conditional acceptance and I will be sending CFPB a copy as well.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS HAVE VIOLATED MY RIGHTS TO PRIVACY XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Also the data for each Credit bureau does not match and its inconsistent and it has to be removed from my credit report immediately, Account : XXXX XXXX XXXX ( XXXX ) Account : XXXX XXXX XXXX XXXX  XXXX  ( XXXX )
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX Mortgage is reporting account open with a balance of {$33000.00}. This account should be reported as closed and XXXX Balance. It was included in my Chapter # XXXX bankruptcy discharge on XXXX XXXX, 2015.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

my ssn number was stolen by someone and found out after I closed my bank account and two checks was withdrawn for {$2200.00} and {$2800.00} from some else. I called the chase bank claim phone number and consulted and explained the bank staff about the debt of {$2200.00} and the result was that the check stored on XX/XX/XXXX, {$2000.00} bounced However, I deposited {$2200.00} cash in the atm machine on XX/XX/XXXX, and the statement of the cash is proved./ The explanation given for the debt of XXXX is that the amount {$2800.00} mistakenly sent to me by the government on XX/XX/2021 was recovered. However, I have asked my accountant that this {$2800.00} is the government subsidy XXXX for me and my wife I have also called the IRS to confirm that no money has been collected or owed in my profile and my online IRS account shows nothing unusual about me. I have collected all my materials including another record of {$2200.00} fake checks. I am deeply troubled and ask you to help me deal with these two debts that have nothing to do with me. Please ask them dont call me weekly!
Consumer complaint received 2023-09-03
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 2023-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (PA)

i had a claim with my insurance company XXXX XXXX  where the data was incorrect put. 

My car parked was hit by a rock that caused leaking of oil. Therefore I had to replace some parts and oil. The insurance company paid some part of the repair and I did the rest as my deductible. 

The claim was close as " at my fault '' even I did not cause the incident and " Collision '' it was a comprehensive incident. 

I have spoke with lexus and they denied to change that. 

My insurance went up because of that.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN has claimed to verify this account and clearly this account is inaccurate and still reporting to my consumer report when the company reporting is referring to me as a female when I am a male. I have informed EXPERIAN in the past that their inaccurate reporting could make me subject to identity theft. I have attached proof in the form of a screen shot of XXXX XXXX XXXX response to my last complaint where they purported that this debt is owed by a female. I have served XXXX XXXX XXXX with a cease and desist and the FDCPA states in 15 usc 1692c that the debt collector must cease all communication across any medium. The FDCPA defines communication as direct or indirect and forbids both. My consumer report is considered an indirect medium which would make XXXX XXXX XXXX in violation of the statute and the EXPERIAN complicit in a XXXX by attempting to collect a debt by extortionate means. Let this communication serve as documentation in the event EXPERIAN or XXXX XXXX XXXX does not respond adequately. At which time I will have irrefutable proof via this complaint of willful noncompliance and I will go to the furthest extent of the law to receive my remedy for the years of damage caused to me both financially and mentally.
Consumer complaint received 2023-09-19
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc. (NC)

Cash app offered a XXXX  card with a XXXX  theme. I did see it available for me to purchase on XXXX. I did make the purchase and got the card 10 days later. When I went to activate the card I got an error, I did contact cash app. So apparently since it was out of stock on the XXXX the card was deactivated, yet I was charged for the card on the XXXX. The card was sent deactivated en route and was not notified by cash app
Consumer complaint received 2023-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management has been reporting an alleged debt on my consumer reports illegally. I have never done business with them, so I don't know how they ever received consent to my personal information. This is identity fraud. I have never legally given written consent/permissible purpose to furnish this alleged debt on my reports. Midland is a 3rd party debt collector attempting to collect an alleged debt. Midland has not provided any validation or verification legally required showing ownership of this debt. This includes the original contract with my wet signature. Their negative and illegal reporting is tarnishing my credit worthiness and hindering me from acquiring affordable living and transportation to provide for my family. This is causing undue hardship to all of us!
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (ME)

Applied for Mortgage assistance with Fay servicing and recieved and offer of a loan modification by phone on XXXX/XXXX/15 and recieved written offer on XXXX/XXXX/2015. The new mortage payment under the TPP was more than I had been expecting at almost fifty percent of my take home pay. I consulted with my housing counselor who was unable to determine from the modification offer letter the type of modification i was being offered. My housing couselor then contacted my assisigned specialist at Fay servicing to enquire about the offer I had recieved. The specialist informed him that it was a propriortory, that the HAMP modification had been denied due to insufficant income and insufficant yeild. When my housing counselor asked him if a denial letter had been sent, he was told that no letter had been sent to me because they were able to offer me the propriotory modification. Because I was not sent a denial letter, and therefore did not know that my modification offer was not a HAMP, I was unaware of oppurtunity to appeal HAMP denial. Fay servicing specialist has advised me to appeal denial at this time however if a denial letter had been sent to me at time of HAMP denial, I could have appealed sooner and avoided delays in modification process.
Consumer complaint received 2020-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (VT)

I recently learned of ChexSystems when I was denied opening a new account with XXXX XXXX around XX/XX/. Based on the denial, I was able to see an online report and received a Consumer Score Disclosure Report, showing a score of XXXX out of XXXX. It is a one-pager, written in banking lingo that I had to use XX/XX/XXXXon my laptop to explain to me. I fought the emailed denial from XXXX and now have an account with them, using a screenshot of my XXXX XXXX XXXX score on my XXXX account. 

I had previously heard of Chex in a vague way, that is was about people who bounce checks, leading to the unbanked. I never gave them a second thought because that is not my behavior. 

My banking behavior has changed in the last year, and I never heard that chasing ever-higher savings rates would lower a score I never knew existed and would prevent me from opening bank accounts. 

Online banking itself has changed. I have a number of abandoned applications because 1 ) the financial institution was dishonest in how much work I would have to put in to open an account, including one requiring a notarized statement, which is impossible for me because I do not have a car right now. 2 ) Apparently my XXXX XXXX is too dated to use the required bank app to upload the front and back of my ID and selfie before timing out. 3 ) Lousy customer service, e.g., XXXX XXXX, which took days to answer my questions. I quickly separated myself form XXXX, XX/XX/XXXX, and several other over this issue. For all of these issues, it should be on the bank to play fair in explaining what documents are required and what the minimum tech requirements of the phone being used must have, and retract negative information on me when they poison my Chex score and it was their fault. After months of negative data collection by Chex in secret, I was robbed of being able to complain about the financial institutions in question and to submit consumer statements.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

Credit reports showing XXXX California residing address. Address is unknown? I 've reside in Florida the past 30 plus years. Please advise what I need to do to correct issue. Everything else looks okay. Both Equifax and XXXX showing California address. Thank you.