davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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. (NY)

XXXX dispute for the account with XXXX XXXX for {$450.00} was a medical collection that based on the act that went into effect XX/XX/XXXX any medical collections below {$500.00} should not be reporting on credit report. I have asked multiple times to have this removed without success. 

Source : Experian Date Submitted : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Disputes XXXX, XXXX, XXXX Contact info Address XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Reported as late. 

XX/XX/XXXX reported as late Address XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX The above account was a XXXX account that has XXXX accounts attached to the credit card number. I made a payment to the correct account and they applied to the wrong account. XXXX is a store account XXXX is an amex account. I have requested multiple times for this to be corrected with no success.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

FCRA section XXXX state unauthorized by law any company need permission to report anything on my credit report. In my up load I left the law on there this my final attempt to correct these companies and Im opting out of arbitration also
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: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

XXXX I noticed portfolio recovery reported I had a credit card balance with XXXX XXXX I submitted a dispute through XXXX XXXX and called portfolio recovery. Portfolio recovery said I had open a credit card in California, I explained I lived in northern Idaho and had no knowledge of this account. The representative starting rambling off all charges made on this account, so I ask if I could get a copy of signatures because I know its not mine. He said no because none of the purchases required a signature. So I asked for proof of payment again I was told no. Ive filed complaints XXXX times and nothing has come out of any. This is not my account and Im receiving no assistance having it remedied.
Consumer complaint received 2024-05-30
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. (AL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Upon the review of my consumer report i notice inaccurate information. The presence of this informatio violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( a ) ( 2 ). This section stipulates that a consumer report may only be furniished in accordance with the written instructions of the consumer to whom the report relates. 

The inaccurate information is as follows : Account-first premier bank Account # XXXX I did not provide written authorization for the furnishing oof my consumerreport for the purposes that would justify the inclusion of the disputed information. Therefore, the presence of this infrmation on my consumer report is unauthorized and in direct violation of 15 USC 1681b ( a ) ( 2 ). 

I request that you promptly investigate this matter as required by the FCRA and remove the inaccurate information from my consumer report.Please provide me with written confirmation once the investigation is complete, detailing the actions taken and the results of the investigation, along with an updated copy of my consumer report. 

You have XXXX  days to delete this information from my consumer report Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently ensured timely payments on this account, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ XXXX XXXX  ] [ XXXX ] Equifax : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ] Balance : {$35000.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-22
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: LEXISNEXIS (SC)

My report is showing a judgment is still showing on my report, even though I already provided proof that the judgement was vacated in 2023 by the plaintiff. I sent a dispute to LexisNexis about this issue in XX/XX/year> and I also included a copy of the court order proving that it was vacated. It was not removed from my report.
Consumer complaint received 2023-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

While my complaint is massive with Wells Fargo, I would really like consumers to be aware of what Wells Fargo is doing with respect to COVID-era assistance. In XXXX of XXXX, Wells Fargo offered COVID assistance in the terms of a 3-month deferral through a blanket email sent to all mortgage customers ( an email I no longer have and one Wells Fargo flat out refused to send again for our records ). Our mortgage maturity date is XX/XX/XXXX, and Wells made it clear the deferral would not include an extension of the maturity date. Now, due to this deferral, offered by them and NOT sought out by us, they have accelerated the maturity date by 3 months because we paid the deferred amount in our mortgage payments since XX/XX/XXXX. A big no, no according to Wells Fargo ( to customer 's that consistently paid for 23 years with not a blip ). Please let consumers know if they are trying to make small payments on top of their regular mortgage payments to make up the COVID offered assistance, Wells Fargo will call your loan ahead of the maturity date. Depending on particular circumstances, Wells will also claim they told you all about that in a letter dated AFTER the deferral period and repayment beginning ( well, at least that's what they did our case ). I have requested documentation from Wells for the period before XX/XX/XXXX, but was told there was none that could be seen, and asked why we would even request that ; very odd interactions given the history of making all payments, on time, as agreed to in one form or another.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 

I request all ( XXXX ) disclosures from ALL LISTED companies TO BE MAILED TO ME IN WRITING! 

If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 

15 U.S. Code 1681c2 ( 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. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

I have a debt on my credit from this company. I dont know what the debt is for or why they chose me to place it on my credit. I have been a victim of Identity theft. I sent the company I request to validate the debt and I have been ignored. However, the erroneous/fraudulent account remains on my profile.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (KY)

I deposited a check into my savings account that I received from my deceased fathers estate. They have had my account froze for over a week now. Deposited into my savings but they blocked my checking and debit card as well which has my main income from employment in it. 
I have submitted documentation pertaining to the check that I am XXXX of his estate along with the check info from whom issues the check. They labeled it as check fraud.
Consumer complaint received 2024-07-05
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. (CA)

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 XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-29
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX is a predatory loan that has been consistently reporting my loan late on my credit report for XXXX months. They will not stop reporting it late, and they do not communicate properly. I have been unable to set up payment plans without them wanting my checking account information and paying the entire past due amount. This has been going on for XXXX months. This company consistently denies my request to close the loan. This has been going on for almost XXXX years.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Saul Jablon Attorney at Law (MD)

I am writing to formally notify you of your violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding unauthorized communications via text, mail, and phone calls. 
Under the FDCPA, debt collectors are prohibited from contacting consumers without prior consent. Despite this, I have received the following unauthorized communications from your company : Text message ( s ) on XXXX XXXX XXXX Mail on XX/XX/XXXX and XXXX XXXX XXXXXX/XX/year> Three phone calls on XXXX XXXX XXXXXX/XX/year> These communications were made without my prior consent, constituting a violation of the FDCPA, specifically under 15 U.S.C. 1692c. Each unauthorized contact is considered a separate violation.
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: Experian Information Solutions Inc. (NJ)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK (FL)

Discover declined my fraud claims and overdrafted my account by - {$1400.00} and change. ( I forgot the exact number. ) I had been having issues with my account being used by someone I didnt know, and filed fraud claims to fight that. My claims were denied continuously, they over drafted my accounts and claim I owe them more money than I have. Im heavily biased against discover and other banks as Ive had similar issues with XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX.
Consumer complaint received 2024-05-28
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Assist Plus LLC (ID)

Around XX/XX/year>, I had received physical mail from Student Assist Plus about consolidating my loans into an IDR, income-driven repayment plan, with forgiveness after 20 years of payments. They did get me enrolled in this program over 8 years ago, and did submit my paperwork as required, but they lied about saying I absolutely had to have their paper submission service in order to get this XXXX loan, requiring a $ XXXX payment, which I have paid for almost 9 years. The deception was that my loan would be ended if I did not do this monthly charge during the life of the loan, I mean they were adamant on this part. So, I just discovered since my XXXX loan was transferred over to XXXX, which really are part of the federal loan repayment programs, a small notice got me thinking something wasn't right and that I can submit my papers for free and it will not effect my XXXX plan if I stop this service. So about {$3200.00} over XXXX yrs wasted, I have blocked them from my account and told them I was reporting them to CFPB and to the Federal Trade Commission XXXX which I did. I requested my money, and to stop me from their program and no response at this point yet. 

Another thing is when I started with them, they set me up with a lawyer to 'help ' me with my private loan, which I did. I figured out after 4 years or so that it was a crooked lawyer, and I was sending same payments for loan to her. We have a lawyer in the family who helped with that case, and she was disbarred by CA as a lawyer and after another few years, I finally received back over {$5000.00} of the money I wasted there, and multiple borrowers wete on that lawsuit case. I had a lot of trouble however because of that situation with a lot of distress and difficulty. We just realized it was Student Access Plus that set me up with that as well. I was under the impression it was through the federal government and did not realize I was being deceived and robbed. Please investigate and bring this group down. They are very sneaky and manipulative, and I am done with the grief and financial trouble they have given me. I hope others can be warned against them and they can be stopped. Thank you.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to follow up on my previous communications regarding several inaccurate accounts that continue to appear on my credit report. Despite my earlier disputes, these accounts have not been corrected or removed and are unjustly affecting my creditworthiness. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly damaging my credit score. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (TX)

This is my fifth 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, AL XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXXXXXX XXXX Bankruptcy XXXX Reference # : XXXXXXXX XXXX XXXX  Bankruptcy XXXX Reference # : XXXX