davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
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. (VA)

Upon review of my consumer report with Equifax and XXXX, I noticed several hard inquiries that pertained to accounts that are not active/opened as well as promotional inquiries and account review inquiries that I didn't initiate nor did I give written permission to the consumer reporting agencies to procure my consumer reports to any of these third parties. Pursuant to 15 U.S.C. 1681 b.- permissible purposes of consumer reports, this constitutes a violation. I'm requesting Equifax and XXXX to remove these inquiries from my consumer report and to compensate me {$1000.00} per inquiry per 15 U.S.C. 1681n a ( 1 ) ( A ) - civil liability for willful non compliance. Below are the third parties listed and the number of times each creditor obtained a report. I have also attached the report for your reference and my proof of claim. 

Equifax : XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Total = XXXX inquiries XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XXXX- ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Inquiries
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

THE CHARGE OF {$500.00} DATED XX/XX/XXXX FROM XXXX XXXX/XXXX   DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT DONE SO. THE CREDITOR KEEPS SELLING THE DEBT TO A DIFFERENT DEBT COMPANY TO REMAIN ON MY CREDIT REPORT. THIS IS A ISSUE I HAVE BEEN GOING THRU FOR THE PAST FEW YEARS AND CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS SELLING IT OFF TO APPEAR AS IF IT IS A RECENT DEBT. 
MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED THE AGENT WAS RUDE AND ENDED THE CALL ABRUPTLY ONCE SHE INDICATED IT WILL BE REMOVED AND THERE WAS NO NEED FOR ME TO KEEP CALLING XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX .
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NV)

Changed routing number and account number areas are all in XXXX XXXX CA from WELLS FARGO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX,. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ETC
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

In 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXX apartment investors/ and Fair XXXX XXXX XXXX XXXX Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I have filed a couple of Claims with Wells Fargo. 

XXXX {$63.00} XXXX {$55.00} XXXX {$200.00} XXXX {$44.00} 2 of these claims I believe were from XXXX. XXXX order didn't show, the other was missing items and had spoiled food. 

the XXXX, I requested a refund from the online store as they stated they couldn't customize the tint after there was a customization box. I sent over 20 emails, they stopped responding 11 days ago. They only sent me 2 responses. 

The last one was XXXX, I got expired XXXX. 

Both XXXX XXXX XXXX told me to dispute it with my finanicial institution. 
The XXXX i'm getting no assistance from them or wells fargo. 

Wells Fargo closed my claims without asking for any information besides when I filed them. 

I filed a XXXX  complaint, they called me yesterday stating that they would take about a week to go over the information. They called me today saying that there was no resolution and the decision was final. I have mental health issues and I have a problem with arguing/disagreements. I feel discriminated against for that reason and that the fact that they didn't do any work on my claims at all. 

I just recently filed bankruptcy and I had over XXXX cards, I went down to my bank debit card from all those cards so it would make sense why I have an influx of claims. 

Please assist me. 


Also, I recently also had a couple claims closed before that, I want my recent claims to be reevaluated. I've been with Wells Fargo for many years and I don't appreciate the disrespect and lack of empathy, customer service given.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

15 uSc 168|6 Clearly States " Any consumer reparting agency may furnish a consumer report under the fallowing circumstances and no other ( 2 ) In accordance with the written instructions of the consumer Thats Aggravated Identity Theft 18 uSc 1028A because they have possession of your information any they are also us it without consent from the consumer 15 USc 6802 A Financial Institution may not XXXX disclose nonpublic personal information to a nonaffiliated third party unless XXXX They give you the consumer the opportunity to exercise your right to opt -out According to the FCRA, these unverified and unauthorized items must be removed.
Consumer complaint received 2017-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Inability to resolve online account access issue. 
I have an online account with nationstar. My login ( username and password works ) but the system provides an error message -- -- HMM ... 
Keyp Your account ca n't be accessed through the Nationstar website at this time. 
Please give us a call at XXXX to discuss your account status. We 'll be glad to help. 

Importantly this message is different than the bad password error message. 

Representatives have worked to reset my password a number of times even so ( they only have a certain script I 've learned from calling in repeatedly ). Even after a password reset the system does n't work. Ironically, when I provide the reps my password they too can not login ( login is OK, it does n't give username or password incorrect message, but gets a bit further and provides the the above error message after logging in ). 

I 've worked this issue more aggressively since XXXX without success ( at least XXXX calls now ). I 've asked that my account be deleted so I can re-create it - so far without success. 

Despite the inability of nationstar to provide online access, in telephone and written messaging I 'm constantly encouraged to use the online system.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

XX/XX/XXXX I attempted to get my free credit report with Equifax and was instructed that I would need to contact them by mail or phone to request my annual credit report. 

On XX/XX/XXXX I attempted to set up and access an online Equifax Account to setup and manage my credit freeze and fraud alert that I am entitled to due to being a victim of Equifax data breach XXXX. I could not set up my online account and was given error code XXXX to mention to the representative. I called Equifax at the number provided and despite verifying my identity and troubleshooting with the agent, my request to get setup was unsuccessful. I was informed that there was a case created and to give Equifax XXXX business days and I should be able to setup an online account to be able to setup and manage the fraud alert and credit freeze and that someone may or may not call to update me as to when it was complete. 

On XX/XX/XXXX I attempted to get my annual credit report as well as setup an online Equifax account for my free credit monitoring with the fraud alert and credit freeze with no success. Instead of calling I mailed a copy of Equifax Dispute Form and Equifax Free Credit Report Request Document, along with both forms I submitted copy 's of my State Driver 's License, Social Security XXXX, Utility Bill along with the type written letter stating such. 

On XX/XX/XXXX I called Equifax due to not being able to setup an online account or access my annual credit report and was informed that they had only received partial documents not all that were mailed and I would need to send a copy of my social security card again. I informed him that I mailed XXXX sets of documents to XXXX separate addresses and that I hadn't received correspondence from either stating such and that I would not be re-sending the same documents as I was skeptical at this point about Equifax, as I have to send them my personal identifying documents at the risk of being stolen or lost at Equifax by an employee again. Seems kind of untrustworthy of a company that has access to the most critical personal and vulnerable identifying information that has already been breached. I should not have to send in personal identifying information twice, especially given the identification verification I have to go through just to speak with someone. 

As of XX/XX/XXXX I have not receive any correspondence from Equifax. I can not setup nor access the settlement entitled claim benefits or any Equifax online account or free credit report.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo Home Mortgage has had my address incorrect for XXXX years ( as long as I have had my home ) they have refused/ will NOT fix it. I have sent them a copy my Deed and appraisal. This has caused issues with my home insurance provider. I have numerous times and yet they will not fix it even after they say they will.
Consumer complaint received 2024-04-11
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. (UT)

I have disputed unauthorized hard inquiries present on my credit reports provided by Experian, XXXX, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into these unauthorized inquiries and their immediate removal from my credit reports. Ive sent letters and yet they still are on my credit report and all three Credit agencies are past their 30 day response to my complaint to my credit report. 
Upon reviewing my credit reports obtained from Experian, XXXX, and XXXX, I have identified several hard inquiries that I did not authorize or recognize. These unauthorized inquiries have negatively impacted my credit score and financial standing.

As per 15 U.S.C. 1681i ( 7 ), Experian, XXXX, and XXXX are required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Additionally, the inclusion of unauthorized hard inquiries on my credit reports violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports.

Furthermore, the unauthorized hard inquiries may also constitute violations of 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information, as well as 18 U.S.C. 242, which prohibits deprivation of rights under color of law. 
I am enclosing copies of my credit reports highlighting the unauthorized hard inquiries. I request that Experian, XXXX, and XXXX provide me with written notification of the results of the investigation and any actions taken as a result. 
Furthermore, pursuant to 15 U.S. Code 1681g and 16 CFR 660.4, I request updated copies of my credit reports from all three agencies reflecting the removal of the unauthorized hard inquiries. Additionally, I request information regarding the source of these unauthorized inquiries, as provided under 15 U.S. Code 1681 q and 15 U.S. Code 1681b. 
The following Inquires XXXX XXXX15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Failure to address these unauthorized hard inquiries and adhere to the FCRA 's requirements may result in further legal action, including but not limited XXXX pursuing remedies available under the law.
Consumer complaint received 2024-04-11
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. (AZ)

I am writing to follow up regarding the negative accounts and inquiries listed on my credit report. I request the immediate removal of these inaccuracies to rectify my credit profile. 

Upon careful review, I have determined that these entries are inaccurate and unjustly impacting my credit score. 

I have previously attempted to address these discrepancies with the relevant creditors and credit reporting agencies, providing evidence to support my claims. However, despite my efforts, these negative accounts and inquiries persist on my credit report. 

This situation has caused undue stress and hardship, as it affects my ability to secure loans, obtain favorable interest rates, and achieve other financial goals. Therefore, I am seeking the intervention to ensure the prompt removal of these inaccuracies from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XX/XX/year>.
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

XXXX and XXXX response is the same and does not resolve anything. You placed it on my credit so you are responsible for the dispute/removal. This is a dirty tactic and placing the blame to the credit bureaus when it is your responsibility to ensure items are taken care of properly since you did this without notifying me. The CFPB needs to do a full investigation into this practice.
Consumer complaint received 2024-04-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (CT)

Chase Auto lost my payoff check for almost 3 months; caused my credit to be affected which I have later been able to fix. They now are giving me a hard time refunding my tax payments that i made to them and then had to also pay to the city. 

I have plenty of documentation to provide to prove my issue with them.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I had an account with XXXX XXXX and during the pandemic during this turbulent I fell behind on my payments do to lost of my employment. I have always made on time payments and called XXXX XXXX  to see if they could work with me during this hard time in our economy. When speaking with the representative I was told that there wasn't anything that they could do even though we were facing a terrible time as a whole in the economy. As a consumer I would think that the company would be more compassionate during these hard times all I was asking is to have the two payments reversed to show positive payment history since I did make the payments and always held good payment history and never late since this was during the pandemic and at that time company 's was under a order to assist their customers that was under a financial strain and this option was not provided by XXXX XXXX. These marks on my consumer report is effecting me from getting a home which is apart of my mode of living and credit worthiness. Please do an investigation on these payments and promptly have them reverse to show in good standing on my consumer report.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian Continues to violate the Fair Credit Reporting Act 15 USC 1681c which states no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.The Collection account : XXXX has not been removed after multiple disputes. Due to the violation of the Fair Credit Reporting Act, Experian is subject to 15 USC 1681n Civil Liability for willfull noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2024-04-11
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. (MI)

Re : Dispute of Unautorized Reporting of Information, Accounts below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX PACES XXXX XXXX XXXX XXXX XXXX GA XXXX Account Numbers XXXX Account XXXX Dear Sir/Madam, I am writing to dispute the accuracy and validity of the information reported by your agency in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I am formally challenging the inclusion of certain information on my credit report on the grounds of lack of written consent. 

Upon reviewing my credit report, I discovered that your agency has reported information without my explicit written consent. As per the FCRA, consumer reporting agencies are required to obtain written consent before furnishing or obtaining consumer credit information. To my knowledge, I have never provided such written consent to your agency. 

Furthermore, I have not authorized any entity to furnish my information to your agency, nor have I granted permission for your agency to obtain my consumer credit information from any source. Therefore, the presence of this information on my credit report is not only inaccurate but also violates my rights under the FCRA. 

In accordance with the FCRA, I hereby request that you investigate this matter and provide documentation demonstrating that you have obtained written consent to include the disputed information on my credit report. If you are unable to provide such documentation, I request that you promptly remove the unauthorized information from my credit report. 

Please be advised that failure to comply with the FCRA and rectify this matter within the prescribed time frame may result in legal action to enforce my rights under the law. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the disputed information once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe stipulated by law.
Consumer complaint received 2023-07-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fairway Capital Recovery, LLC (NY)

I was contacted by Fairway Capital to attempt to collect a bill I believe I do not owe. I had a procedure in an outpatient office last year and they made me pay cash up front, over {$1200.00} and a year later they started billing me a little over {$100.00} with no explanation. I do not believe I owe this amount and Fairway Capital who keeps calling me was notified about this dispute and continues to Harass me constantly. I explain several times about the situation and told them I am refusing to pay so they are wasting my time and continue to Harass me.