davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (TX)

Im not too educated on credit so when i checked mines for the first time i seen many inaccurate information, and accounts that i never knew anything about. Ive been very stressed because this info has hindered me from getting credit, i would like these thing to be removed immediately.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am requesting a Metro 2 Compliance review on these unknown accounts on my credit report that lack information that makes the account unverifiable. Section 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. PLEASE DELETE/REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

In review of my XXXX and XXXX credit report, I found an account listed on my file that does not belong to me. Several attempts were made regarding the validity of the account with requests made to the company to provide proof and validation of said debt. This company has not complied with the request and refuses to supply any proof that this debt was validated by me. Furthermore, this said debt does not belong to me nor have I ever received any form of written communication via electronic or hardcopy requesting me to verify or validate said debt. This company continues to violate the laws that are governed to protect consumers. Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collectors initial communication. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice. I have never received any notice to validate said debt. Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. CCS Collections are listed on both of my credit files attempting to collect a debt for XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-08
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. (IN)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Recently I went to XXXX XXXX  to open an account and was notified of this adverse report listed in my file. I was unable to open the account furthermore I've never done business with this company. They've refused to remove the debt or prove the legitimacy. I've attempted to resolve it amicably and would like you to bring it forward on this platform. The debt needs to be removed as it is not mine.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (TX)

I was struggling to make payments following a XXXX XXXX. 
I signed up with XXXX XXXX XXXX who insisted all accounts go into XXXX XXXX  " for better negotiations with the creditors ''. 
AfteXXXX XXXX  months XXXX only settled XXXX debt but took XXXX " success fees '' and so after much effort, I managed to part with them. Wells Fargo was one of the debts that was not settled. 
I contacted XXXX who told me since all debts were already charged off that there was no point in trying to repair the situation. This was XX/XX/XXXX. 
In XX/XX/XXXX I found out that Wells Fargo had sued for a XXXX against my home in the amount of the debt I owed on the credit card and some legal fees. Their process server had the wrong address on the court paperwork but the owner of some other address ( the address on the paperwork does not exist ) brought the papers to my house, wet, crumpled, a little stained, and left them on the porch. By the time I got this paperwork I only had a few days to respond and by the time I was able to see an attorney, it was already too late. Nonetheless, the attorney advised me that they could not take my house and since this is my home, unless I planned to sell it, to go home and try not to worry about it. 
XXXX, XXXX and XX/XX/XXXX I heard nothing else from Wells Fargo. In fact, as of today, I still have not been contacted. Yesterday Wells Fargo pulled all but {$1.00} out of my checking account. 
I do not get paid again until XX/XX/XXXX. I just got paid XX/XX/XXXX and have not been to the grocery store or the gas station. 
This was not XXXX XXXX. I got my full check. They just helped themselves to my checking account- which is also with Wells Fargo- and took everything but {$1.00}. I presume the {$1.00} was meant to keep the account open because surely they don't think I can live and go to work for XXXX  days on {$1.00}.
Consumer complaint received 2019-07-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (CT)

On XX/XX/18 I found a car online I wanted to buy. I did the credit application online and was approved for the 2015 XX/XX/XXXX XXXX for {$19000.00} So I drove 2 hours to XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXin XXXX, NY. XXXX asked me to refill out the loan paperwork. He said I was not approved. XXXX said he would try other loan companies. Hour later said he couldnt get me a loan for the car I wanted but said if I got a cheaper car I could get approved. He had a XXXX XXXX with XXXX for {$14000.00}. With {$3100.00} down payment He said just get this car for now and trade it in in 6 months. 3 hours later I said okay. We get to the finance managers office and i sign paperwork for the amount and then he says I have to do the finance online. He sits in front of the computer and is scrolling and explaining. He says I have to get the {$3000.00} extended warranty or I cant get the loan. I said okay. Finally He says okay done Ill get the paperwork copies and bring them out to you. XXXX puts them in the glove box. 5 months later Im ready to trade the car in and I look at the paperwork it says I owe {$10000.00} more than the sale price. It said I bought the car for over {$21000.00}. Ive called for months trying to get them to fix it but they wont. The car wasnt worth {$21000.00} when I bought it. They committed fraud and violated the truth in lending act. The payments are hurting my family and ability to buy a home. Please help.
Consumer complaint received 2024-07-05
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. (KS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2024-06-07
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. (NJ)

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX ( Original Creditor : 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 I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In early XX/XX/XXXX I contacted Capital One to inquire about applying for a Venture XXXX credit card that was advertised as having a 0 % fee for approximately 15 months, and that 0 % applied to balance transfers. I spoke to a company rep who confirmed that I could do a balance transfer up until XX/XX/XXXX. I explained to her that was the whole reason I was willing to apply. I told her I would do the transfer immediately, even though the other balance was not coming due until XX/XX/XXXX, but she said I could wait until XX/XX/XXXX because the 0 % on balance transfers would be available until XX/XX/XXXX. Based on this, I applied for and was approved for {$20000.00} credit. In the application I specifically stated that I was applying in order to transfer the balance of the XXXX  XXXX XXXX credit card to this new card. I was told that the balance transfer benefit could not be activated until 11 days after account opening. So, I was in no rush. In early XXXX I contacted the company to find out by when I should initiate the balance transfer process in order to make sure the other XXXX  XXXX XXXX credit card balance was paid off in time ( by XX/XX/XXXX ). The rep looked and said that she could no longer see the balance transfer offer on my account. She then looked at the details of my account and confirmed that the terms stated that I would have a 0 % rate on balance transfers that were completed by XX/XX/XXXX. Accordingly, she said she would escalate this matter to the XXXX XXXX XXXX XXXX and she assured me it shouldn't be a problem getting it approved. Today, XX/XX/XXXX, the Supervisor of the Capital One XXXX XXXX XXXX XXXX called me and said the balance transfer offer was no longer available on my account, and she could not explain why it was no longer there! When I said I wanted to escalate this matter to her XXXX, she said her XXXX  do not accept calls from customers, and that she was the only one who could resolve it, but she had no authority or power to resolve this issue despite acknowledging how frustrating this must be for me. This was a bait and switch! A prime example of an unfair business practice. I relied on the 0 % balance transfer in applying for the Venture XXXX credit card despite knowing it would be a " ding '' on my credit history. The terms that were advertised and that were confirmed by several company representative were inexplicably reversed and the company can not even explain why. Capital One, if they value their reputation in the marketplace, should honor the terms I relied upon in opening an account with them. Respectfully ( but angrily ) submitted, XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TX)

I reached out to the company to settle an account with an offer. I did not believe i owed this amount or any amount at all and have disputed the account many times to the CRA 's XXXX agree to remove the account, however the account was subsequently marked as verified and I was force to negotiate as I'm trying to make a large purchase .My account assigned as account # XXXX by CCS . I have never signed any contract with this company. I sent an offer of {$130.00} to CCS via pay processing center in XXXX, MA. as designated. Along with the payment, I attached an agreement that identified the payment as contingent upon an agreement to settle the account in full and discontinue reporting any negative information to the Credit Bureaus. The payment was received and processed initiating an accord and satisfaction between myself and CCS. The following contract and agreement was written clearly on the front of the payment tendered : " By Endorsement By accepting and cashing you agree to Report this account and any debt it holds as " paid in full '' and remove any negative information about the debt being reported to XXXX, XXXX, XXXX credit bureaus. Deposit or cashing of this payment will constitute a satisfaction and acceptance of this agreement. '' This contract law is based on UCC 3-311, which states that by simply accepting the payment as the accord, satisfaction is reached. CCS contractually accepted the new agreement and has breached contract by continuing to report this negative account to the Credit Bureaus. I contacted CCS several times to inform them of this issue, including sending a cease and desist letter via certified mail directly to XXXX XXXX and " XXXX XXXX and fax. they refuse to honor the contract.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (TX)

All State reported incorrectly an account that I never opened. 
XXXX XXXX charge of {$350.00} XXXX XXXX {$1000.00} XXXX {$320.00} XXXX {$1800.00} XXXX  XXXX {$7100.00} all these accounts are incorrect and I disputed these all.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

I requested an additional credit card for my husband XXXX XXXX, which never arrived in my house. It seems it was intercepted by someone and used in the XXXX area. I disputed the transactions many times with Wells Fargo, but they insist that I am the one that used the credit card and authorized the transactions. I filed a complaint in this site " case number XXXX " and the case was closed, Wells Fargo sent me a letter of denial stating that I was the one that called to active the card on XX/XX/year> from my phone number XXXX. 
I was never in possession of this credit card and neither was my husband, I never called Wells Fargo to activate the card as I was accused in the Wells Fargo letter. I looked in my XXXX XXXX XXXX log and there are no calls from my phone to Wells Fargo on that date. The Wells Fargo denial letter where they state I called to activate the card on that date, my XXXX XXXX XXXX XXXXog showing my calls for XX/XX/year>, police report and other paperwork related to this case. 
I have been really frustrated, feeling harassed and emotionally distressed by Wells Fargo since XXXXXXXX XXXX
Consumer complaint received 2024-07-05
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. (IL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (AZ)

XXXX Subject : Urgent Compliance Required : Breach of Fair Credit Reporting Act ( FCRA ) and Arizona Identity Theft Laws Dear SYNCHRONY BANK, I write to bring to your immediate attention a grave violation regarding the unauthorized reporting of information to my credit report, constituting a breach of both the Fair Credit Reporting Act ( FCRA ) and Arizona 's stringent Identity Theft Laws. 

It has come to my urgent notice that SYNCHRONY BANK has, without obtaining my explicit consent, engaged in the unauthorized reporting of information to my credit report. This action flagrantly contravenes the provisions outlined in the Fair Credit Reporting Act ( FCRA ), which mandate consumer consent as an absolute prerequisite for such reporting activities. 

Moreover, this unauthorized reporting also infringes upon Arizona 's Identity Theft Laws, as delineated in [ insert relevant sections ], which emphasize the critical importance of consumer consent in credit reporting and impose strict penalties for any unauthorized access or misuse of personal information. 

I wish to assert unequivocally that I have not provided consent for SYNCHRONY BANK to report any information to my credit report. This lack of explicit authorization represents a blatant violation of my rights and potentially exposes me to severe harm to my creditworthiness, demonstrating a complete disregard for both federal and state laws. 

Therefore, I demand, with utmost urgency, that SYNCHRONY BANK immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by the Fair Credit Reporting Act ( FCRA ) and Arizona 's Identity Theft Laws. Failure to comply with this demand within the stipulated timeframe will be viewed as willful non-compliance and subject SYNCHRONY BANK to severe penalties under applicable laws. 

It is imperative to understand that obtaining consent is not discretionary but a legal obligation under both the Fair Credit Reporting Act ( FCRA ) and Arizona 's Identity Theft Laws. This is not a negotiable matter ; it is a clear directive for compliance with federal and state regulations aimed at protecting consumers like myself from the harms of unauthorized and damaging credit reporting practices. 

I anticipate your immediate and unwavering attention to this matter, coupled with prompt remedial action to rectify these egregious violations, in full accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Arizona 's Identity Theft Laws.