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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo reported me for late payment in XXXX of XXXX. This was a surprise to me, because I had not used the card for the previous year. So, somebody had been making fraudulent charges on the account. I reported the fraudulent charges, and was told that they would be removed. Wells Fargo lied. And, they reported me again in XXXX of XXXX. I paid off the account by XXXX of XXXX. Even though the charges were not mine, I wanted to avoid further damage to my credit report. Wells Fargo has never removed the fraudulent charges. Wells Fargo had not sent me statements since XXXX of XXXX. This is the main reason why I stopped using the account. I finally received a statement in XXXX of XXXX, after many contacts with Wells Fargo. My bill was paid at least 5 months BEFORE it was ever received. This was an EARLY payment. Not a LATE payment.
Consumer complaint received 2022-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I submitted a payment to arrive by XX/XX/XXXX, from my bank XXXX XXXX XXXX XXXX ). 
XXXX XXXX XXXXXXXX confirmed delivery of electronic check : XXXX XXXX XXXX This was processed. 

However, Comenity Bank/Bread Financial did NOT credit my account with the payment of {$420.00}. 

I called on XX/XX/2022 to redress the situation. They said they'd flag my account, waive the late fees, interest charges. As of today, XX/XX/XXXX, they still have not done that. 

I have also submitted a second payment on XX/XX/2022 which was processed on XX/XX/XXXX and has not been credited to my account with Comenity. That was for {$500.00}, XXXX # XXXX They then applied late charges for non-payment ( {$40.00} ) plus interest charges ( {$8.00} ) as XX/XX/XXXX. 

XX/XX/XXXX : They have also prevented me from making any new purchases at this point ( which is problematic for shopping at XXXXXXXX XXXX ). 

Comenity also opened a new line of credit under their Victoria 's SecretXXXX XXXX XXXX however, I did not give authorization nor permission. Fortunately the balance is XXXX. Their customer fraud team sent me the new card with accompanying information " they suspect fraudulent activity and that I need to submit additional documentation '' however they were the ones who opened the line of credit on my behalf.
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (GA)

Company tried to draft money from my checking account for XXXX. 
Bank caught this and brought to my attention, I denied the charge. XXXX does not take checks. according to form, amount is {$1.00} They have tried to call and have sent several communications asking for my social security number and my pic of my drivers license, which I did not send. 
Send letter back telling them I did know what this charge was for and I don't write checks to XXXX. They have a fraudulent check number. 
I need to have them stop contacting me,
Consumer complaint received 2022-07-12
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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
Consumer complaint received 2022-07-12
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission. 
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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

I applied for a refinance with New American Funding over 8 weeks ago, and they promised to close in 3-4 weeks. Things were moving along, and I locked a rate of 5.1 %. Exactly XXXX days later, the Federal reserve raised interest rates. Since then XXXX XXXX has tried in various ways to not honor our agreement. They have ordered a new appraisal, ( the original appraisal reflected 71 % XXXX, although I was told that up to 80 % was acceptable ) changed the loan terms, redundantly requested documents, and just this morning sent me new disclosures that suddenly increased my closing costs by {$10000.00}. It is my belief that New American Funding does not want to honor my loan, due to the interest rate change. I need help with this.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-05-16
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (IL)

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts.

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ).
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXXXXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-05
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX account XXXX 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
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (IL)

XXXX  sold my personal information to CAVALRY SPV L, LLC and CAVALRY has attempted to collect a debt they have no right to collect. They have harassed me by making my phone ring emails and now threating to take legal action against me. I will like for CAVALRY to pay my invoice of {$4000.00} for the violations. I have been disputing this debt I have sent them a debt verification and CAVALRY has failed to validate the debt
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Ive been paying XXXX twice a month for the past year. The company XXXX XXXX XXXX XXXX has been deducting this amount from my bank account for the past year and they said they wouldnt give me a refund
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

XXXX is showing citi credit card on my credit report when it is showing in XXXX charged off/closed. My XXXX report is not showing that card on my report nor is XXXX showing that on my report. All 3 reports only show 2 bills that I have outstanding with XXXX and XXXX score of XXXX and XXXX. While XXXX is showing XXXX. I am not saying that didn't happen with citi however, it is not showing on the other 2 credit bureaus because it was CLOSED. It is no longer open. All 3 credit bureaus should match.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CARCO Group, Inc. (MI)

I applied to XXXX I been working for XXXX since XX/XX/XXXX I applied and been working I had to submit for a second background check for a position in the company which uses cisive formally known as cargo background check they do a end of life background check I identified my info and made my record known to the company and to the background agency the agency is reporting inaccurate information about my conviction and its hurtful and taking away opportunities from me to rent or hold employment due to the inaccuracies on my report showing my conviction twice from my XXXX XXXX XXXX conviction stating that I got off probation In XXXX when I was released and case disposed back in XXXX this is in accurate and now my quality of life is affected and my conviction was charged in XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

After looking at my credit report, there is some inaccurate obscene personal information being reported. Listed below are the problems with my personal data. 

My correct name is : XXXX XXXX. My correct address is : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, North Carolina XXXX Please delete all other names, as they are inaccurate. Please also delete all other addresses from my credit report as no mail is deliverable to me by the United States Post Office, through these addresses and are therefore not reportable as per the Fair Credit Reporting Act ( FCRA ). All items listed are inaccurate and must be immediately deleted. Once complete please send me a copy of my updated credit report which reflects the deletions I have requested. I expect a response within 30 days. 

Thank You.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I contacted the law offices of XXXX and XXXX in Virginia at XXXX to resolve the unpaid balance of my Capitol One account. A male XXXX, XXXX XXXX failed to make a disclaimer stating the call was being recorded and any information obtained would be used to collect a debt. I advised him that multiple attempts to discuss my account had resulted in hang up calls. He located the account by first and last name after I declined to provide my SSN. He then verified the name, address and last 4 digits of the SSN on my account, apologized that other reps hung up and proceeded to hang up as well. The total length of the call was XXXX minutes and the call was " disconnected '' with no follow up call even though I asked that he confirm the phone number in case we got disconnected. This happened repeatedly and resulted in nonpayment.
Consumer complaint received 2022-08-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

By ignoring my disputes, I feel as though I am being taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days.
Consumer complaint received 2022-08-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

By ignoring my disputes, I feel as though I am being taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to dispute the following information that Credit Bureaus are reporting in error. 
Im disputing personal information that is reporting inaccurate on my credit files. Ive previously spoken to several individuals referencing this matter as well as sent documentation to each bureau to updates these items. These items are misspelled as well as incorrect names and addresses Ive never been attached to. In 2018 I was advised I was a victim of Identity Theft and was advised to lock my Credit profile through all bureaus, in which Ive so. Ive made over five to six attempts in referencing this matter of inaccurate information on my file. Ive also contacted the Account that the addresses are reporting with file on report. Those companies advised me I dont have an account open with them that I would have to contact the Credit Reporting agencies.

I would like for this information to be removed and updated to the only livable and correct address Ive supplied to each bureau as well as the correct first and last name as well.