davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (NY)

Name : XXXX XXXX Address:XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XXXXXXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

In XXXX of 2022 I was behind on a few payments through XXXX. I paid any past due balance and the current month total and I continued as usual with my automatic payments. My car was not repossessed. I kept making payments on time and thought nothing of it. Several months later there was a charge off on my account and my credit tanked. It has ruined my life as well as my husband who is the co-borrower because we can not obtain a student loan for my child due to this being considered an adverse event. As you can see from the attached statements that XXXX sends me every single month, the status is " CURRENT '' and my balance due continues to decrease. I know XXXX is being sued for very similar deceptive practices in other states. How is it they're able to benefit by slapping me with a charge off and getting this as a tax write off AND simultaneously getting my payments monthly and telling me I'm current and on time and essentially nothing is wrong? I still own and pay for my car.
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (OH)

I sent a certified letter to Equifax via tracking # XXXX on XX/XX/. The letter was signed for on XX/XX/2024. I have attached the letter and copies of the portions of the credit report to show the accounts which were affected by the criminal actions of identity theft. I have also attached the identify theft report. This was included with the original letter, along with a copy of my drivers license and an up to date utility bill with my name and address which matched my drivers license on it. I had also sent a copy of the FCRA 605B just in case they were not aware of it. Everything was sent according to federal law. I did not receive any notification back until today XX/XX/. The letter states that they are not going to block the information on my credit report and have forwarded the information on my behalf which I have already done. They go on to state that for them to block the information under section 605B I need to provide proof of my identity, the specific information that is the result of identity theft and a copy of your submitted theft report with the federal trade commission. This has all been submitted and is all attached. I believe this is an intentional action by Equifax. I am a victim and this is causing me tremendous harm while I am trying to pick up the pieces of my life and get it back together.
Consumer complaint received 2024-05-29
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. (MS)

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 2023-12-28
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank if america issued me a debit card for my XXXX benefits to be deposited to several times I was locked out if my account and unable to use the money I had. a settlement check was issues to me but was sent to my old address and returned to the bank. I called them to try to change my address so it could be resent but I don't have the same email or a phone in my name for them to send a code to so they couldn't verify my identity or change my address they told me to go into a branch but I now live in XXXX and there are no branches here so they basically told me oh well. 
my ss # XXXX dob XX/XX/1986 address on file with bofa should be XXXX XXXX XXXX XXXXXXXX ca
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. (TN)

According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX XXXX Account # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete these late payments
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Please do not open the claim on my behalf. If youre not not gon na speak or defend me on my behalf, you are opening a claim on my behalf to defend the thieves. Obviously everything I told you just went over your head, one ear out the other, because you still dont understand whats going on. That was XXXX XXXX. I never agreed to getting a loan from the criminals XXXX  that was not me so when I found out XXXX  was taking money from my account the first time I thought nothing of it the second time thats when I told them. Hey stop taking money from my account I dont know who these people are it was not me that took the. Loan. If your claim is correct then why did XXXX send me a letter about one year ago telling me they apologize and started sending me some money back. I have a check from them for {$26.00} and they were supposed to send me my other check so if they are so adamant and so correct why did they decide to reach out to me a couple years later, explaining their error?. Once I refused to pay the criminals that XXXX  at that time was so adamant that I got a loan from. thats when everything started going down. Listen!! you can talk and say this and say that I have documents and I have receipts I got denied yesterday from opening a business bank account with XXXX and they referred me to a thing called Chexsystem telling me they should have an answer why you were denied as I go to Chex system and try to register they tell me I have an account with them already. Long story short it came down to my email that they have on file when they send me a pin code. It direct me to phone numbers an email for me to receive my pin, the numbers and email are not mine and are not connected to me, I do not know and have no connection with that email. All they are doing is allowing the criminal to be aware that I tried to login its just basically tip the criminal The PIN is going to a scammer and criminal,. I was denied my checking account and the reason for denial I was referred to chex system for the answer as I go to chex system and try to register it tells me I already have an account with them trying to figure out my account with them. it leaves me to a one-way pin that I can not receive because the phone numbers and email does not belong to me. Its very deep!! when you think about it? ( the same company that denied the opening of my business checking account are the same people allowing the scammer and criminal to open and register an account pretending to be me ) this is how sad its become where the people that denied my bank account opening are the same people that has allowed a criminal and a scammer hacker to open an account pretending to be me. This is what Im dealing with.!!
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo never verified the debt they had on my name and was it actually me. They never produced the requested info in a timely manner and the debt is considered to be void as they were in dishonor. 
Wells Fargo shared private consumer info with a XXXX party debt collector without prior written or verbal consent per USC 15 sec 6802. That information includes false and misleading statements USC 15 sec 1692e. 
They supplied Name, Address, account numbers and financial information all are {$1000.00} fines. 
XXXX XXXX XXXX XXXX has used all that information without confirming it and without my consent. They have no contract with Wells Fargo giving them my consent and they have no consent from the consumer.
Consumer complaint received 2023-12-28
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 (CA)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) 1 LATE PAYMENT XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX In Accordance with the Fair Credit Reporting Act This creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 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. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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. Which they have never done which is a violation of my rights, legaly it is not supposed to be there.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXXXXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

LVNV FUNDING LLC deceptively never made me aware of the option to opt out of them reporting to my XXXX credit report. A charge-off is a certificate of indebtedness which means it's income and must be removed, since it's illegal to report transaction history. I am now opting out as a federally protected consumer per 15 usc 6802 and 16 CFR 313.4 and 313.7 in which I was never given a notice.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NVR INC. (PA)

NVR Settlement Company forgot to pay my insurance policy in XX/XX/year> XXXX. My policy was cancelled without my knowledge, and I had to pay a premium to get new coverage because of non-payment. Bill went from {$280.00} a year to the new bill {$620.00} a year. They did nothing to assist with this issue. They forced me to give money at settlement for this then did not pay the bill!
Consumer complaint received 2023-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings (GA)

Zions debt holdings contacted me text on XX/XX/XXXX at XXXX EDT. I responded " stop '' in order to unsubscribe. On XX/XX/XXXX at XXXX I received another text regarding the same debt. 

They then proceeded to email me on XX/XX/XXXX at XXXX. When I asked for a breakdown of the total debt, they replied it consisted of a principal balance of {$47.00}, late fee of {$60.00}, and interest of {$14.00}. I requested a copy of my original contract as well, which upon review did not specify a {$60.00} late fee. These initial emails were with an individual named XXXX XXXX. He requested I email XXXX XXXX for further information. 

My initial email to XXXX was XX/XX/XXXX at XXXX, asking for validation of the debt. XXXX responded at XXXX starting she " will follow up with further documentation to validate the debt ''. 

I called XXXX, the original debtor ( my original contract was with XXXX XXXX XXXX, who sold my home security contract to XXXX ), on XX/XX/XXXX to request my signed cancellation letter. They informed me I would have to retrieve it from the debt collector directly. 

On XX/XX/XXXX, after having not received a response from XXXX, I requested confirmation it will not be reported as it was not validated. XXXX responded it will be validated by Friday, XXXX, when it was scheduled to be reported to the credit bureaus. 

Over a series of emails on XX/XX/XXXX between XXXX and XXXX, I requested all documentation supporting the debt be provided. XXXX insisted I had received them all without specifically noting what was sent or when. Additionally, when I asked about the {$60.00} fee which was not allowed per the contract, XXXX stated : " Also, the {$60.00} is what our agency adds to collect on the bill. '' Accordingly, Zions Debt Holdings is attempting to add fees that are not allowable per my original contract. 

At XXXX, XXXX wrote : " This is my last email to you. we have validated your debt. If you are asking what documents I have sent, I suggest re reading the paperwork. Have a good night '' ( punctuation as per the original email ) I still do not have full records to validate the debt. 

I contacted XXXX directly on XX/XX/XXXX via text, and they stated the pro rated bill after my cancelation effective XX/XX/XXXX for the period XXXX was for {$2.00}. They stated a late fee was applied to bring the total balance to {$47.00}. Again, my original contract did not specify a late fee could be charged. Additionally, all payments were to remain on autopay during the term of the agreement. I have record of timely payments for each month of my contract from XX/XX/XXXX through XX/XX/XXXX. I have not been able to get a copy of the original invoice for the {$2.00}. 

I've attached records of both email chains, a screenshot of the text with Zions Debt Holdings, and my original contract.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

i notice some items on my credit report that wasn't mine and i filed an identity theft report on XXXX XXXX and sent it certified mail to all 3 CRA 's, they received it on XXXX XXXX and the information was supposed to be blocked and deleted within 4 business days of the receipt.It is XXXX XXXX and nothing has happen as of yet. they have violated 15 usc 1681c-2 and i request the information from all 3 CRA 's be deleted at once before i turn this matter over to my attorney to sue.
Consumer complaint received 2023-12-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX , the consumer, and their company named as Creditor, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have tried to call, mail dispute, and online dispute these accounts to Transunion. They are refusing to remove them. I need these fraudulent accounts removed expeditiously.