davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Thank you for your help in protecting my federally protected consumer rights.
Consumer complaint received 2024-01-26
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: ALLY FINANCIAL INC. (IL)

XX/XX/2023 the following companies ran my credit report without my authorization. 
XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 the following companies ran my credit report without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (TX)

In XXXX, I called ProCollect to pay in full the XXXX XXXX XXXX XXXX in the amount of {$260.00}. The apartment complex agreed that once it was paid in full, the creditors will delete and remove from my credit. When talking to ProCollect they were extremely rude and kept cutting me off stating that they will not delete after they said they would back in XXXX We also talked to a supervisor and he was also even more rude and sounded like he wanted to hang up.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AZ)

To Whom It May Concern : I have repeatedly asked XXXXXXXX XXXX XXXX XXXX  for evidence to support reporting, but yet again, XXXX XXXX XXXX XXXX  have failed to provide me with a copy of any viable evidence submitted by NATIONAL CREDIT ADJUST collection agency substantiating their claims ( account # XXXX amount {$990.00}. 
Furthermore, I have requested XXXX XXXX XXXX XXXX  method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
This letter is in response to XXXX XXXX XXXX XXXX recent claim XX/XX/XXXX that NATIONAL CREDIT ADJUST, collection agency, has verified that the ( account # XXXX amount {$990.00} ) they are reporting under my name is accurate.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account.

I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. 
I am maintaining a careful record of my communications with XXXX XXXX XXXX XXXX for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your non-willfulness.
Consumer complaint received 2024-01-25
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XX/XX/XXXX I entered the XXXX XXXX branch, and closed my account. I was given the cash that I had remaining ( ~ {$8.00} ), and grilled by the manager about why I was closing. I was honest and told them I was banking somewhere else. The gentleman teller called some other place, charged me my prorated service fee and closed the account.

Almost a month later I see online that I'd been charged for this month 's service fee. Upon calling the customer service- they told me the teller I had on 8/22 " didn't close the account ''. They said he apparently " Called back office for direction, but didn't close it. '' They then told me that I had to return to the branch office and speak with a manager in order to have the account closed. They insisted there was no way to close the account without me trying again in person. Despite me having already done that.
Consumer complaint received 2024-01-25
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I, XXXX XXXX XXXX is filing a formal complaint against the servicer on my mortgage. I have been a victim of predatory lending, and it has come to my attention that the servicer has accessed absorbent fees, which has caused the current balance to be higher than the initial principal balance. I have been paying the mortgage for over XXXX years and never occurred a 30 day late. I have faithfully been paying the mortgage and during the life of the loan. I reached out to the servicer when I noticed that the payments were increasing as well as the balance. There has been no transparency and conclusive answers to my questions. Even based on the documentation Ive received, there has been fees added without a proper itemization or explanation. I am a senior citizen and looking to secure my financial well-being. I dont understand after XXXX years of paying a mortgage, why my balance would be higher than the initial principal balance. I have never taken out any loans against the property or refinanced with cash out. 

From my research Ive found, XXXX XXXX XXXX XXXX XXXX NOT IN ITS INDIVIDUAL CAPACITY OWNER TRUSTEE FOR XXXX Master Participation is XXXX XXXX for Select Portfolio servicing. The original owner, Washington XXXX XXXX XXXX went bankrupt during mortgage bubble, and was bailed out by XXXX XXXX XXXX then transferred to XXXX XXXX XXXX. Then, my interest rate was XXXX. Now its XXXX percent. When the loan was modified it was $ XXXX and then after the refinance the principal was XXXX origination and ambiguous fees. To date, the principal balance is $ XXXX or more. Select portfolio is servicing loan currently. 
XXXX XXXX XXXX serviced the mortgage in XXXX. Select portfolio obtained loan in XXXX. 
Select portfolio is attempting to increase monthly payment to cover escrow shortage despite my local tax accessor confirming that there is no shortage and everything is paid to date. I am requesting a full investigation into this matter with monetary compensation. This predatory loan has caused financial, mental, emotional distress and time wasted with no resolve in sight.
Consumer complaint received 2024-01-25
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding the lack of response and ongoing negligence shown by Equifax in resolving discrepancies in my credit report. Despite my numerous attempts to rectify the situation, it has become evident that my concerns have been disregarded thus far. 

I have recently received a copy of my credit report. I discovered multiple errors in the personal identifiers section. These inaccuracies pose a significant threat to my identity and could potentially cause severe consequences if left unaddressed. 

Furthermore, I need to highlight the incorrect reporting of my Name and address. 

In addition, I strongly insist on the immediate elimination of any employers and phone numbers incorrectly associated with my credit report. I do not provide consent for any unverified or potentially outdated information about myself to be retained or reported. 

I understand that it is the responsibility of Equifax to ensure the accuracy of the information provided to lenders and other stakeholders. The erroneous data currently present in my credit report is not only diminishing my financial opportunities but is also negatively impacting my chances of securing my financial freedom. 

I have attempted to address these concerns through various communication channels, including letters, phone calls, and online submissions, but Equifax has failed to respond to any of my inquiries. This unresponsiveness has left me feeling ashamed, embarrassed, and frustrated, as I am unable to rectify these inaccuracies promptly. 

As a responsible consumer, it is my duty to bring this matter to your attention as the competent authority within Equifax. I kindly request your immediate intervention to ensure the verification and removal of all the inaccuracies mentioned above within the shortest possible time frame. 

Please understand that time is of the essence in resolving these issues. I urge you to take immediate action to correct my credit report so that I can regain control over my financial standing.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

Ive tried disputing multiple times, however the credit agency have blocked me from disputing any further. Also this matter has been treated as a total loss, and theyre still violating my privacy during this tragic loss.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent accounts which are being posted to my reports. Here is the list of items per bureau which do not belong to me or were opened without my permission : -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

During the first quarter of 2023 I was in a terrible car accident, then robbed of many important documents and valuables while I was recovering in the hospital that left me incapacitated for several months and unable to access my phone or work accounts. Upon healing and getting a new phone and attempting to login to all of my personal accounts, my banking app was reflecting a negative balance within the account. Prior to my accident all bills and costs were processed directly from this account and were set on auto payment. Throughout this time where I was in the hospital and healing medically, with no phone or computer access, someone/something gained access to all of my accounts and began to transfer money to various XXXX accounts and taking money from savings and transferring it to ATMs and making deposits and purchases to several other online businesses. Once I was able to gain a new phone and access to the banking application, I noticed the balance was below XXXX. For the past six-eight months, over a series of hundreds of transactions the account was negative and missing more than {$20000.00} dollars. My account was systematically drained of all of my savings and checking funds leaving negative balances for both. Also, the credit card was overcharged past the limit, a flex loan was taken out as well and is now in poor standing. 

I filed a complaint and spent XXXX hours on the phone going over hundreds of charges from XXXX XXXX current and then was spoken to by a man that interrogated me and ask me the same questions multiple times in some attempt to treat me as the criminal which was frustrating and insulting. 

The claim denied a few days later citing that they found no indicators of fraud because someone logged into my online account during the fraud timeline. That was their proof or indicator of no fraud and that either myself or someone I authorized made each purchase and transfer over that time frame which I told them that was impossible and no one has my permission or access to the account with my knowledge. They still denied it citing I need to send additional documentation to reopen the case, I also got it escalated to the legal department so I am hoping that this appeal and the legal team looking at it, that something will happen soon. 

Not to mention that the same fraudster had opened a plethora of personal loan to my account and stopped payment to credit cards and other billing transactions that have put me behind with my own loans, and credit card bills, in addition to taking out high interest loans and depositing them in my account then setting the account to pay weekly, no-weekly, and monthly payment plans to bogus loan companies that I have no control over or recourse as of this moment because Wells Fargo refuses to restore the funds that were taken from me. 

Please help, I have opened a new bank account but this ordeal has put me in financial ruin.
Consumer complaint received 2024-05-07
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. (GA)

n 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-01-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.