davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

Thank you for providing the contract between you and XXXX XXXX XXXX XXXX. Now please provide the contractual agreement between you and I stating that I owe you money. Also, as previously requested, please provide Licensure in the state of florida that predates XX/XX/XXXX. 

According to XXXX XXXX XXXXXXXX Hunter Warfield , INC is not licensed in the state of florida which makes it illegal to collect debt in the state of florida which is where I reside as well as where the company is located. If you believe other wise please provide proof that you are licensed and are able to legally collect debt in the state of florida. 

Hunter Warfield claims that a collection letter was sent out on XX/XX/XXXX ; please provide proof that the letter was sent as well as received by me. If you can not, please delete this account off of my credit report. 

Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Hunter Warfield , inc has furnished information about the alleged debt to consumer reporting agencies without providing me with any and all disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) Were these disclosures sent as well? If so please provide proof that the disclosures were sent as well as received. 

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Delete this account immediately.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

My wallet and phone were stolen on XXXX and money was transferred to XXXX XXXX and XXXX and used to by XXXX. They drained my account and I am on vacation in XXXX. I live in XXXX. I am now sick in XXXX  with no way to get home and no money. I filed a fraud claim with wells fargo and was denied saying the transactions were authorized. It was for {$XXXX}.
Consumer complaint received 2023-03-10
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. (OH)

in accordance with the fair credit Reporting act XXXX  Account ( XXXX XXXX bankruptcy filing ) has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 28 usc 4852 A party may remove any claim or cause of action in a civil action other than a proceeding before the United States Tax Court or a civil action by a governmental unit to enforce such governmental units police or regulatory power, to the district court for the district where such civil action is pending, if such district court has jurisdiction of such claim or cause of action under section 1334 of this title.

( b ) The court to which such claim or cause of action is removed may remand such claim or cause of action on any equitable ground. An order entered under this subsection remanding a claim or cause of action, or a decision to not remand, is not reviewable by appeal or otherwise by the court of appeals under section 158 ( d ), 1291, or 1292 of this title or by the Supreme Court of the United States under section 1254 of this title.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-08-30
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. (GA)

I have previously submitted a complaint to Equifax through the CFPB, by mail, by phone, and via their official website, providing all necessary documents to verify my identity in various formats. Despite these efforts, when I contacted Equifax today to inquire about the status of my dispute, the representative, informed me that my identity could not be verified and requested that I resubmit my documents. I clarified that I had already provided all required documents through multiple channels, including the CFPB, mail, and the Equifax website, yet the information remains un-updated in their system. The representative apologized and insisted that I resend the documents. When I requested to speak with a supervisor, I was informed that none were available and was advised that assistance could not be provided without verification of my identity. 
Additionally, I am encountering issues with my Equifax online account associated with the email " XXXX. '' I am receiving the following error message : " Please give us a call and provide this code to the agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ) .Our call center hours are : XXXX XXXX  to XXXX XXXX  ( XXXX  ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( XXXX  ) Saturday and Sunday. '' I request that Equifax update my documents, which I am resubmitting with this complaint, and promptly update my credit report. The persistent issues I have encountered with Equifax are not experienced with other credit bureaus, and I urge you not to cite security concerns as an excuse for these problems. If security were genuinely prioritized, Equifax would not have such a high number of inaccuracies in the first place. I HAVE ATTACHED TO THIS COMPLAINT MY PASSPORT, SOCIAL SECURITY CARD, DRIVERS LICENSE, AND MOST RECENT BANK STATEMENT FOR VERIFICATION OF IDENTITY
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Have been unable to log in to the TransUnion account to manage my credit freeze. This has delayed me being able to apply for a mortgage. I have tried other PCs and My phone, and is definitely a problem on their end. 

They point to a XXXX account ( XXXX XXXX  ) for support. Apparently unaware that DMs can now only be sent by paid premium accounts, they ask that I send a DM to get support.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (MA)

To Whom It May Concern : Thank you for taking a couple of minutes out of your busy day to read this letter. I enjoyed my relationship with SELF FINANCIAL/LEAD BA ( Account : XXXX, XXXX ) and appreciate the loan you extended in the recent past. Im proud to have paid the amount in full with all fees and interest as agreed. 

I would like to ask for your help. 

Im writing because I noticed your company reported a late payment in XX/XX/year>, XX/XX/year>, XX/XX/year> on my credit reports. I am requesting a goodwill adjustment to remove this late payment from my credit reports. 

Upon review of my records, I realize that you reported late payments Unfortunately, I was never aware of those late payments, During those times XXXX took the Country by storm, so much was going on but I am positive I kept up with my payments to the best of my knowledge even thought I was going through financial hardship, I take full responsibility if I am incorrect, but I made sure it did not happen again. As you can see from my payment history, Ive made every payment on time both before and after the late payments. 

Im in the process of applying for a ( mortgage/auto loan/etc. ) and the negative impact of the late payment could result in a denial for my loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 

( Please see attached documents ) Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-02
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX 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 Balance XXXX {XXXX} ; XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXXXXXX Balance : {XXXX} ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX XXXX Balance : {XXXXXXXX} ; XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX XXXXXXXX Balance : {XXXX} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {XXXX} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX} ; XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lockhart, Morris & Montgomery Inc. (SC)

I am filing this complaint regarding a serious violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits conduct that harasses, oppresses, or abuses any person in connection with debt collection. An unknown third-party collection agency has reported an alleged debt from 2019 on my credit file, despite this debt having been previously disputed and removed. This action not only violates the FDCPA by harming my reputation, but also potentially infringes upon the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. The reappearance of this removed debt suggests a failure to conduct proper investigations as required by the FCRA. Furthermore, I have no contract with this third-party agency, raising concerns about the legitimacy of their collection attempts. This situation may extend beyond mere regulatory violations into more serious territory. The coordinated effort to repeatedly report a removed debt could be indicative of a conspiracy to violate consumer protection laws. The attempt to collect on a debt with no legitimate claim, while damaging my credit report, may constitute a form of financial extortion. Additionally, the mishandling of my personal and financial information in this manner raises significant concerns about privacy violations and potential identity theft. I assert that these actions collectively represent a concerted effort to harass and coerce payment through improper means, causing undue harm to my financial standing and reputation. I demand an immediate investigation into these practices, the removal of this inaccurate information from my credit report, and cessation of all collection activities related to this alleged debt. I reserve the right to pursue all available legal remedies, including statutory damages under the FDCPA, actual damages for harm to my credit score and reputation, and any other applicable remedies under consumer protection and criminal laws.
Consumer complaint received 2024-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (LA)

On Monday, XX/XX/year>, I spoke with a representative from Shellpoint Mortgaging Service about loss mitigation options for my loan. We discussed that my account would be approved for a forbearance, and that I would need give verbal permissions over the phone. So, we scheduled a phone call for today, XX/XX/year>, at XXXX for me to do so. It is now XXXX and I have not received the phone call as scheduled. This is the fourth time I have attempted to resolve the issue with my loan and to obtain protection from foreclosure, only to have Shellpoint fail to communicate in the time promised or agreed upon.
Consumer complaint received 2024-06-14
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: Experian Information Solutions Inc. (NY)

I contacted the company to correct the reporting on the account in reference to payment being made late. The company was sent a letter to the XXXX XXXX XXXX XX/XX/year>. The amount past due was {$40.00}. I have no history of being late on this account and this is highly unusual for me to be late on any of my accounts my prior payment history attests to this. The credit card company saw fit to report this to the credit bureaus which adversely affected my credit rating and subsequently caused irreparable harm to my ability to obtain new credit or apply for mortgages. I expressed this to the company and they told me that there was nothing they could do. I also disputed this with the credit bureaus and again the credit card company refused to address the error. The statement was to arrive the day after XXXX XXXX XXXX XXXX which was a holiday so the XXXX was the date giving grace for the holiday and which I did not receive the statement.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (FL)

On mid XXXX I saw on my XXXX report that the company Ability Recovery Services LLC had improperly report a debt collection to my credit for an alleged debt of {$2100.00}. The address shown based on the report experian report was an old address that i have not lived in the past 8 years. So, i had no way of knowing or even the ability to dispute this information. Failure to properly notified me of this debt violates the Fair Credit Reporting Act law 1006.34 Notice for validation of debts. I have already submitted a dispute in XXXX XXXX XXXX and XXXX. The XXXX dispute is still on, while XXXX just ignore without verifying it, I'll submit a second dispute with XXXX tomorrow. I also sent a debt validation letter to the Business in which they have yet to respond to.
Consumer complaint received 2024-06-14
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: Experian Information Solutions Inc. (MD)

The fraudulent, inaccurate, and misleading information on my credit report persists unresolved despite my numerous attempts to address it. The presence of these items has profoundly impacted my life, causing me significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. However, more than 30 days ago I sent correspondence regarding these listings, but I have not received a response, and they have failed to provide adequate validation for these supposed late payments. I kindly request your assistance in resolving this issue.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

dealing with a very complex and frustrating situation involving Capital One holding my funds for an extended period despite you providing all the necessary documentation to verify your identity and claim the money. 

Loan Processed : On XX/XX/year>, you received legal funding into your account at Capital One. 
Account Hold & Verification : Capital One placed a hold on my account and required me to provide proof of identity, which I did. Despite complying, they delayed releasing the funds. 
Ongoing Delays : Over the years, I frequently followed up with Capital One, but they continued to cite protocol and didnt release the funds. Eventually, they closed My account. 
Post-Account Closure : After the account closure, I continued to inquire about the funds. Capital One claimed to have sent the money back to the originator, but the loan company confirmed they never received it. 
Recent Admissions : After persistent efforts, including speaking with multiple supervisors, Capital One admitted that they still have the funds. 
Current Complaint : I am now filing a complaint against Capital One for illegally holding {$92000.00}, which has significantly impacted you over the past four years.
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (FL)

I just received a letter dated XX/XX/2024 from " Allied Interstate LLC '' about an alleged debt on behalf of XXXX XXXX in the amount of {$400.00} ( attached ). 

I've never heard from nor done business with " Allied Interstate LLC '' prior to this letter. 

I was a previous customer of XXXX XXXX, however I ended services with them on XX/XX/2024 as confirmed in attached letter. Despite my advance notice that I would be vacating the storage unit ( in accordance with their own rules ), they erroneously auto-charged me on XX/XX/2024 for a FULL forthcoming month of service totaling {$400.00} ( receipt attached ), when in fact I should have only been charged for the 5 days of occupancy from XXXX XXXX. 

I am absolutely not liable for paying for an entire month of storage. I tried to reach XXXX XXXX to have this corrected but they ignored me, so I disputed the charge with my bank. XXXX XXXX never tried to contact me about this again until I received this letter from their goons at " Allied Interstate LLC ''. 

Obviously they didn't provide the full story to " Allied Interstate LLC '' thus " Allied Interstate LLC '' is misinformed. I'm happy to pay a prorated amount for the days of occupancy, from XXXX XXXX as required, but that's it.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/year>, I opened a XXXX  Checking account with a XXXX XXXX who is a banker at Wells Fargo XXXX XXXX branch. XXXX XXXX confirmed and applied promotion code XXXX to the account. On XX/XX/year> I deposited {$530000.00} in qualified investments to my linked brokerage account. The terms of the offer stated that Wells Fargo would provide a bonus of {$3500.00} for bringing {$500000.00} in investments into a linked brokerage account. I have contacted Wells Fargo on XX/XX/year>, XX/XX/year>, and XX/XX/year> and have received no response.
Consumer complaint received 2024-06-14
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. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my XXXX 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 XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022