davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute the inaccurate information found on my recent credit report, which I discovered on XX/XX/XXXX. Upon review, I found discrepancies in my payment history on certain accounts that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681 Section 604a : Section 2, which states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I was never paid late, the inaccuracies pertain to the following late payments are incorrectly listed on my account. 

XXXX Account Number XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-10
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXX/XX/XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX at XXXX XXXX  I received a text from XXXX asking if I sent {$750.00} by XXXX to XXXX XXXX? I said No. The text said WF froze my account due to potential fraud and WF would call me. A man called me immediately from the above-referenced number and asked for my bank login and password so that they could open another WF account to transfer my money from my old account to my new account. I supplied the login information and they sent me a temporary password. They sent me codes that I had to repeat to them and then they asked me to transfer {$9000.00} because they could only transfer XXXX at a time, which I did. Wire transfer confirmation # XXXX. XXXX XXXX XXXXXXXX. Money sent to XXXX XXXX XXXX XXXX. The recipient name was XXXX XXXX  I called WF to inquire if the text/call was legitimate while the scammer was on the phone. WF advised me to change my login/password and start a Claim, which I did. Claim number XXXX. No mention was made by WF to close my account until my second call to WF at XXXX XXXX  The wire transfer was " pending '' until XX/XX/XXXX or XX/XX/XXXX. The bank has closed the claim because they could not retrieve the money from XXXX XXXX XXXX.
Consumer complaint received 2024-05-08
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. (NC)

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.

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 2023-07-12
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' EMVLP II LLC/FIS 28 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO ND XXXX XXXX CO ND XXXX - XXXX CO ND XXXX XXXX CO XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$2900.00} written off. 
Status updated XX/XX/XXXX Original balance {$24000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 60 Months XXXX sold - Original creditor - Comments Purchased by another lender Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
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: National Credit Systems,Inc. (TX)

As recently as XX/XX/year> I have requested debt validation. The amount in question has been obscenely exaggerated and inflated since the original debt was issued. It has since increased however this is not a credit based debt where late payments or interest should accrue or create larger deficits. This is a debt resulting from the move out of an apartment which was left in good condition. However the absurdly {$8000.00} plus cleaning bill that has remained on my credit even after the apartment complex was completely remodeled and renovated is unlawful and against the fair credit reporting act. There are many violations that have been committed over the tenure of this matter. I need to see debt validation to understand how that amount of money can be charged for a move out make ready not to mention that I paid over {$1000.00} in a deposit upon moving into the property that was never refunded. I would like to see how the charges are being processed along with the deduction of my original deposit. I also would like this removed from all 3 reporting beaureu as it can not be validated and in definitely the incorrect amount as I show 2 different amounts on my credit report for this issue. The company in question is XXXX XXXX XXXX It even shows account status closed
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: U.S. BANCORP (MO)

I was spoken with someone at US Bank sent a copy of my passport My endorse full amount of the mortgage price on my house to US Bank CEO and the payment department Talk to someone in the payment department they all say here in Missouri they do not go by endorse bills and they're not subject to the federal law under UCC section 3 I'm needing assistance with this because no one seems doing except my status or these endorse bills which is against my civil rights I have contacted Homeland Security as well
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

XX/XX/year> XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. 

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. 

Debt validation includes the following : Who was the original creditor on this account, and what was the account number? 
What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
Please provide documentation that demonstrates I am legally obligated to pay this debt. 
What was the original date of delinquency for this account? 
Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. 

I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. 

In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed.

A copy of this request for validation has been sent to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own.
Consumer complaint received 2024-06-22
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)

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
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 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 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 2024-05-08
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. (TX)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted..

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Date of inquiry XXXX XX/XX/XXXX According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I received a letter from Mohela claiming to have qualified for a " rebate '' on XX/XX/year>. Yet, the amount of the rebate was at {$0.00}. This is not the first time I have received misleading correspondence from the loan servicer. I spent an enormous amount of time on the phone trying to figure out why the letter had been sent. Instead of any real answers, I was met with " Sorry ''. After much research online, it doesn't even seem like this is the first or second time a letter like this has been received by Mohela borrowers. It seems like a very consistent problem for Mohela. I think the unnecessary correspondence is enough but to tease a borrow with a rebate after more than 10 years of consistent on-time payments is cruel. So, if they are aware of the problem why is nothing being done to resolve it? The representative for Mohela even claimed they don't send out " rebate '' letters. An additional blow.
Consumer complaint received 2024-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

To Whom It May Concern. 
I noticed my escrow balance was negative, so I asked for a breakdown analysis after speaking to several employees at Newrez. They were all telling me my city tax increased. I was shocked by this because my city tax was already paid for the year. After getting a copy of my escrow analysis, I noticed my escrow account was used to pay my personal water bills in disguise as city tax in XX/XX/year>. It is my understanding that my escrow account will not be used in paying my personal water bill. I would like a copy of the tax bill that was sent to you, and why it was paid. I want to know how a water bill in the amount of {$4200.00} qualified as a city tax. My personal bills are my responsibility. The said bills I have attached had discrepancies, most of them were not even in my name which I am still disputing with the city. They have been sending the water bills in someone elses name, which has made it difficult for me to know who is responsible for the bill. The bill is not a city tax BUT A WATER BILL and should never have come out of my escrow account. I would also like to know why my escrow payments are so high every month. I am also attaching the adjustment for my home insurance ; I was able to reduce my home insurance so this should be adjusted on my mortgage payment. I still have two error late payment reported by you on my loan. This is unacceptable and I am giving 30 days for this to be rectified otherwise I will have no other recurse than to take legal action.
Consumer complaint received 2024-08-05
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (GA)

Originally, I was able to successfully transfer funds 3 times from my Way2Go account to my checking account. My fourth attempt failed. I was not notified of the reason. 

After speaking to customer service, I was told that there was a fraud dispute and I needed to email an unpublished email address ( XXXX ). I submitted the requested documentation. I was not notified of approval or denial, but further attempts to transfer funds failed. 

I called again and was told the fraud department denied my claim. I was told to submit different documentation. This series of email-wait-fail-call happened multiple times. They were never able to help me. 

Eventually, my ACH information was approved by the fraud department. But transfers still did not work. I called and asked to resolve the issue, but they were simply confused as to why it was approved but still not working. I asked to close the account and they said they couldn't. 

I have been unable to access my benefits in 4 months. If you XXXX " Way2Go card '', you'll find dozens of XXXX threads from all over the XXXX with people having similar issues.
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

to whom it may concern, over the past few months I have been monitoring my credit profiles amongst all the three major consumer reporting agencies, and it has come to my attention that there are multiple accounts reporting negatively to my personal credit report, including I.C System, is a debt collection agency, attempting to collect on a debt I do not owe, I have no knowledge of this company, and I never received any notice about a debt. on the XXXX of XX/XX/2024 I sent said person " Notice to Cease and Desist '', followed by a " Notice of Violation '', per the new guidelines and the advisory opinion of the CFPB Via Certified Mail Receipt, the status of the delivery is as follows per USPS ( Also see attachment ) I.C Systems XXXX Delivered, XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2024, XXXX XXXX