davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (TX)

This company is not investigating my claims. I have a police report and ftc report proving this account was opened by someone other than me including the accounts used to pay for the loan I never had. Ive never had BOA so how can Ive made payments on the account. Also telephone number is wrong XXXX is an mobile house phone that my XXXX uses. I have roommates, one of them stole my identity. Thats why were doing this now. Do your investigation this debt is not mines and I will be taking legal action against spring oak and XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I am filing this complaint against Wells Fargo Bank , N.A . for their continued reporting of an unauthorized account on my credit report, despite my repeated efforts to have it removed. The account in question, under account number XXXX, was neither opened nor authorized by me, and its presence on my credit report has caused significant harm to my credit score and financial standing.

Despite submitting multiple disputes directly to Wells Fargo and the credit bureaus, Wells Fargo has failed to properly investigate my claims or provide adequate verification of the accounts legitimacy. This failure is in clear violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, which mandates that furnishers of information conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report.

Moreover, Wells Fargo has reported a late payment on this unauthorized account, further damaging my credit. This action violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which protects consumers from being penalized for billing errors and unauthorized charges. 

I have also provided evidence that XXXX has recognized this account as unauthorized and has removed it from my credit report. Despite this, Wells Fargo continues to report the account to XXXX and XXXX, contributing to ongoing financial harm. 

Wells Fargos refusal to rectify this situation despite clear evidence and multiple disputes demonstrates a willful disregard for federal consumer protection laws, including the FCRA, FCBA, and the Truth in Lending Act ( TILA ) - 15 U.S.C. 1605 ( b ).
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I am filing this complaint against Wells Fargo Bank , N.A . for their continued reporting of an unauthorized account on my XXXX XXXX, despite my repeated efforts to have it removed. The account in question, under account number XXXX, was neither opened nor authorized by me, and its presence on my credit report has caused significant harm to my XXXX XXXX and financial standing. 

Despite submitting multiple disputes directly to Wells Fargo and the XXXX XXXX, Wells Fargo has failed to properly investigate my claims or provide adequate verification of the accounts legitimacy. This failure is in clear violation of the Fair Credit Reporting Act ( FCRA ) - XXXX XXXX. XXXX, which mandates that furnishers of information conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. 

Moreover, Wells Fargo has reported a late payment on this unauthorized account, further damaging my XXXX. This action violates the XXXX XXXX Billing Act ( FCBA ) - XXXX XXXX. XXXX ( b ), which protects consumers from being penalized for billing errors and unauthorized charges. 

I have also provided evidence that XXXX has recognized this account as unauthorized and has removed it from my XXXX XXXX. Despite this, Wells Fargo continues to report the account to XXXX and XXXX, contributing to ongoing financial XXXX. 

XXXX XXXX refusal to rectify this situation despite clear evidence and multiple disputes demonstrates a willful disregard for federal consumer protection laws, including the FCRA, XXXX, and the Truth in Lending Act ( TILA ) - XXXX U.S.C. XXXX ( b ).
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I am filing this complaint against Wells Fargo Bank , N.A . for their continued reporting of an unauthorized account on my XXXX XXXX despite my repeated efforts to have it removed. The account in question, under account number XXXX, was neither opened nor authorized by me, and its presence on my XXXX XXXX has caused significant harm to my XXXX XXXX and financial standing. 

Despite submitting multiple disputes directly to Wells Fargo and the XXXX XXXX, Wells Fargo has failed to properly investigate my claims or provide adequate verification of the accounts legitimacy. This failure is in clear violation of the Fair Credit Reporting Act ( FCRA ) - XXXX XXXX. XXXX, which mandates that furnishers of information conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. 

Moreover, Wells Fargo has reported a late payment on this unauthorized account, further damaging my XXXX This action violates the XXXX XXXX Billing Act ( FCBA ) - XXXX XXXX. XXXX ( b ), which protects consumers from being penalized for billing errors and unauthorized charges. 

I have also provided evidence that XXXX has recognized this account as unauthorized and has removed it from my credit report. Despite this, Wells Fargo continues to report the account to XXXX and XXXX, contributing to ongoing financial XXXX 

XXXX XXXX refusal to rectify this situation despite clear evidence and multiple disputes demonstrates a willful disregard for federal consumer protection laws, including the FCRA, XXXX, and the Truth in Lending Act ( TILA ) - XXXX U.S.C. XXXX ( b ).
Consumer complaint received 2024-08-29
Product: Credit reporting 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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a recent incident involving Experian, which I believe engages in false and misleading business practices. 

On XX/XX/year>, at XXXXXXXX XXXX, I received an email from Experian inviting me to apply for a " No ding decline to your credit scores '' service. However, upon applying for this service, I was declined and subsequently hit with an instant hard inquiry on my credit report. 

I firmly believe that Experian 's advertising in this case was deceptive and led me to experience negative consequences on my credit report. 

As a result, I am formally requesting that Experian remove the erroneous hard inquiry from my credit report, as it was a direct result of their misleading business practices. 

Evidence : Email received from Experian on XX/XX/year>, at XXXXXXXX XXXX 
Copy of my credit report showing the unauthorized hard inquiry from Experian. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure that consumers are protected from such deceptive practices in the future. I appreciate your attention to this issue and look forward to a timely resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting 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. (NC)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX Bank of America authorized XXXX XXXX transfers totaling {$14000.00} to a person unknown to me. The bank would not reverse the transactions and required me to open a claim, which they said would take up to XXXX days. They refused to even say what factors would be considered. This was a complete failure of their online security, but their only response was to file a claim. Meanwhile I am out almost {$15000.00} due to no fault of mine
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: OLIPHANT FINANCIAL, LLC (CA)

I started to received emails from Oliphant Financial about a debt of {$13000.00} plus from XXXX? I have never had any business with this company and some how they got my email address name and phone number and have been constantly sending messages about a debt, i also pulled my credit report and they added this account, from XXXX  and now 6 years have passed and the statue of limitations has passed from them to start to harassing me on a debt they have no right on
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (CA)

I called to inform both card companies and credit bureaus and both were not able to assist me in resolving this issue. 

XXXX XXXX XXXX XX/XX/year> US BANK XX/XX/year> US BANK XX/XX/year>
Consumer complaint received 2024-08-14
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: BMW Financial Services NA, LLC (NJ)

About the late payment of BMW financial service. late payment of 30 days amount {$830.00} XXXX account number : XXXX Due to death in the family I was not present in the country and doesn't have any device with me or internet and not autopay. It was first and last payment showing on my credit report. I never ever missed any payment in my history. I paid the late fees and second payment once I got call.
Consumer complaint received 2024-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP (ID)

- We originally began the Mortgage Assistance/Loss Mitigation process in XXXX of this year. During our initial application process, US Bank ordered an appraisal on our house that exhibited several significant flaws on the final appraisal report and appeared to be geared toward positioning US Bank to offer a Short Sale. The appraisal recorded our home purchase transaction as the amount recorded when we closed on the purchase of the house but did not include the amount we paid for the lot itself prior to beginning home construction using a construction loan program through your bank. The appraisal completed in XX/XX/XXXX also valued the home significantly lower ( {$500000.00} ) than the value established by an appraisal completed as part of the application and Underwriting process for our second mortgage. That appraisal, completed in XX/XX/XXXX, also did not include the added value of completed landscaping, and in addition to being completed as part of the Underwriting purpose of establishing lending limits, represented a conservative estimate of the property value. 
- On XX/XX/XXXX, I called in to the Mortgage Assistance/Loss Mitigation department to ask for guidance regarding my pending XXXX payment that was due for the month. I spoke to XXXX, US Bank Representative ID # : XXXX, and I was instructed to send a letter cancelling my pending application for mortgage assistance so that I could call in once my application had been withdrawn to ask for a forbearance, which I was told could be approved over thephone. 
- I called in to the Mortgage Assistance/Loss Mitigation department again on XX/XX/XXXX to request the forbearance option and was told that a forbearance option could not be approved over the phone for my accounts, and that I must begin the mortgage assistance application process all over again so our situation could be reviewed before a forbearance period could be considered and approved. 
- I then resubmitted a new application and supporting documentation on both loan accounts on XX/XX/XXXX. I called in on XX/XX/XXXX to check on the progress of my application and was told that since our payments were current and our accounts were not in default, we were unlikely to be offered any mortgage assistance solutions. I was told that we needed to miss a payment to put our account in default before any solutions could be considered or offered. This is contrary to the guidance provided on the US Bank website, which encourages borrowers to contact US Bank for solutions before they miss a payment. 
- As a result of the advice from the US Bank Mortgage Assistance/Loss Mitigation team , we chose to skip our XXXX payments, putting our accounts in default, and significantly negatively impacting our credit score.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (IL)

I had {$2700.00} transferred to my new SoFi checking account in XXXX of 2023. There was a freeze out on my account immediately. When I called to find out why, I was told that there account specialists would contact me about it. I have yet to be contacted by anyone from SoFi. I just keep getting marketing emails from them. I have continued to call and I am unable to get anyone other than a customer service representative. When I called again last month, I was told that they are closing my account due to some reason I dont understand and that they would be returning my money to the account it came from. I still have no communication or money. They have held my money without giving me any access to it or recourse. They have not reached out to me at all. Not even once. Not a single piece of mail. Only marketing emails about how great their services are.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitted to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any account listed on an ID theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$810.00}
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I was notified in the mail and by my employer that a garnishment was being started on my wages from Portfolio Recovery for a credit card debt. I called the company and explained to them that this account was not mine and asked them to suspend the garnishment while I sent them paperwork and filled out fraud paperwork. They would not do this but did send me the paperwork to fill out. I sent the paperwork back along with copies of payments made on this account years ago and all contact information belonged to my father. I sent them a copy of his death certificate and told them if they checked the payments on the account would have ended near his death. I sent them the information about my father 's bank account and told them if they checked all payments made on the account would have been from his bank. I sent them paperwork showing my father had previously been charged and found guilty of credit card fraud on another family member years ago. I told them that when my father passed away and a statement from XXXX came in my name, I contacted the credit card company and explained the account was not mine. This was almost XXXX years ago. I filled out paperwork back then also for fraud. Many of the items I sent to Portfolio were discovered by my mother after my father had passed away. Portfolio told me they would look into the matter but would continue garnishing my wages. I told them this was fraud on their part, but they did not seem to care. After several weeks of continually trying to get in touch with someone at their company they told me since payments were made on the account years ago it was now my responsibility, and they would continue to garnish wages. I again explained that my father opened the account without my knowledge or permission and even told them if they checked some of the purchases it was for XXXX XXXX. I was not in college, but my father was, and I have proof of this. I further explained that I didnt even reside at the address they had on file for the statements during the time the account was open. I told them I could have people sent notarized letters about my father committing fraud but none of this mattered to them. I would like to have the money this company has taken from me in error and with knowledge that the account was identity theft returned to me. Thank you