davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

In XX/XX/XXXX, I posted my room for rent on XXXX and a woman responded. She seemed very interested in my room. She told me she was in XXXX, that she was a humanitarian officer/medical officer and her boss was going to send me money for rent ( {$370.00} ) and {$200.00} for me for running around for her. I told her not to send me anything and to send it to the front office. She then told me her boss misinterpreted her and he was sending me {$4800.00}, this included her living expenses. She then asked me to cash that money for her and to send her the remaining amount to her travel agent via XXXX XXXX so that she could get to the US. I deposited her cashiers check into my checking account at Wells Fargo on XX/XX/XXXX. When depositing the check from her boss I asked the teller if the check would take 7 days to clear and she told me it would be clear by the next day. On the XXXX I went to the Wells Fargo in XXXX, AZ ( XXXX XXXX XXXX ) to withdraw the money, around XXXX, and send it to her travel agent. Prior to pulling the money out of my account I asked the teller if the check had cleared and she said yes. She said that she was surprised that it had cleared so fast, but it did. Then I withdrew {$4200.00} in cash to send to the travel agent via XXXX XXXX at XXXX. Then on XX/XX/XXXX I checked my Wells Fargo account to see that I was in the hole {$3300.00} in my checking account and that my savings account has been depleted. I originally had {$1400.00} in my checking and {$170.00} in my savings. Wells Fargo then said that the check should have been held until XX/XX/XXXX because there may be insufficient funds in the account of the person who sent me the check. When I told them the story all they did was put a fraud hold on my account and required me to pay the difference. I was told that if I do not start payments on the debt that was against me by XX/XX/XXXX then I would be sent to collections. I also involved the XXXX XXXX XXXX but they were of no help. In the end I had to take out a loan of {$5000.00} from XXXX  XXXX XXXX to pay off the debt and then closed my Wells Fargo Account.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

XX/XX/XXXX I use mobile deposit for the workers comp checks as Ive done for past 5 months. This one was returned and without my knowledge Citibank closed my account and deemed it fraudulent. The amount was XXXX the same amount that has been going In every other time. I have money in my savings account and how am I to know the sender of check out a stop payment on it. Nevertheless my bank never informed me that there was an issue as well as never contacted me. I went to use my debit card and it didnt work. Tried to access my mobile app and it was closed down for access. I proceeded to the bank branch where they informed me to call fraud prevention. Thats when I learned of the incident. Ive had loans with this bank in the amount of XXXX dollars paid back in full. I was much later sent a new bank card and other correspondence now stating there is an investigation. How is this a practice? Why not give the customer the opportunity to correct a mistake obviously made by the sender of the check. Now they are calling asking when can I make up the XXXX balance left from the returned check. Im really concerned about this going on my credit report as well as my name linked to fraudulent activity with a banking institution. Please help
Consumer complaint received 2023-09-21
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)

I did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (FL)

Fay Servicing iscthe mortgage company. In XX/XX/year> was placed on a modification that was not agreed upon, with twice the interest rate and told this was the only option. When I could not make the payment they started pre-forclosure. I came up with enough to pay three months but not for the remaining 2 months owed so then they immediately put me on another modification I did not sign or agree to that was 3 times the amount of what my payments are, which I couldn't do. They moved to foreclosure process only offering short sale option that I don't qualify for. I asked several times about completing an application for possible forbearance review but they would not even consider it. They have never asked for inco me verification, expenses or any review to determine if I would qualify. They only offered short sale or bringing mortgage current other than selling my home. Says there's no retention offers available. When I go into my account to see any notices or correspondence it only says no messages and won't allow me to obtain information about the loan.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

there is a different numerous of accounts that has violated my federally protected consumer rights to privacy and confidentiality information reported in my credit that has been affected me financially and emotionally by different creditors that i have not idea of also my personal information is not accurate and needs to be corrected asap.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft. I have no connection or knowledge of the said accounts listed. Please help me with this serious matter. 

Back in 2015 my home was broken into when I came back home all my daughter and my things where scrabbled. All our sensitive information and over XXXX worth of jewelry and XXXX out my safe was stolen. 


Please help me I have no connections with this. 

A police report and identity theft has been filed.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (AL)

I am writing to complaint to SANTANDER CONSUMER USA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The XXXX report numbers related with this complaint are XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft, back in XXXX my home was broken into all my information and daughter information was stolen and all our jewelry. 

Someone even have an eviction in my name in XXXX XXXX Which I resided in XXXX since birth. 

Please help me I have no knowledge or connection with any account listed.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION (WI)

XXXX XXXX provided by XXXX XXXX XXXX expired on XX/XX/XXXX. 

XXXX XXXX was put in place through XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. This information was provided to XXXX in a timely fashion by both XXXX XXXX XXXX XXXX and by XXXX. 

Insurance with XXXX XXXX XXXX XXXX was cancelled on XX/XX/XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX was purchased on XX/XX/XXXX for a period of 1 year. 

Multiple phone calls, Emails, Document Uploads, and more from both Borrower and XXXX XXXX did not prevent Servicer from purchasing forced insurance for the period of XX/XX/XXXX - XX/XX/XXXX at a cost of {$120.00} and stole the funds from Borrower 's XXXX  account. 

Issue has yet to be resolved as Servicer continues to reject any proof of insurance documentation provided via the Servicer 's upload portal or via email attachments.
Consumer complaint received 2024-06-13
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: Kikoff Inc. (FL)

Installment loan was opened fraudulently in my name the name of this company is kickoff lending llc i have tried multiple times to get this issue resolved but had no luck. i did not open this account under my name please delete immediately. 

kickoff lending llc Account # XXXX ... .Balance {$24.00}
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from XXXX XXXX, the collections are from LVNV Funding LLC XXXX, LVNV FUNDING LLC XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed immediately.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

I recently checked my credit report and to my surprise its showing unauthorize accounts/collections. There is a collection from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. I am requesting DEBT VALIDATION, showing a detailed list of history of payments made by myself on these accounts, the original contract with my signature showing I agree to pay these creditors, has it been any insurance claim made on these accounts, and lastly proof that you have the chain of title to collect on this debt. According to the FCRA with out providing this proof these accounts should be removed immediately.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-04-26
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. (GA)

I have contacted the consumer reporting agencies multiple times regarding fraudulent items included on my credit report. I received notification that the credit reporting agencies declined my request to delete and block items from my credit report. Under 15 USC 1681c-2 , a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

For 2 years I have been sending letters to XXXX, Experian and XXXX to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.
Consumer complaint received 2024-04-26
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. (GA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-04-26
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

CREDENCE RESOURCE MANAGE at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$2900.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (PR)

Yesterday, Saturday, XX/XX/XXXX, I was receiving an email regarding an open student loan account with the company " MOHELA/DEPT OF ED ''. I was investigating on my own and the address in which it appears that they took the loan is NOT where I live, I do NOT know that address and I have no relatives who live in that address. So it alerts me to think about " fraud/identity theft ''. My credit score has been quite affected by that loan which IS NOT MINE. I am not currently studying, I finished in XX/XX/XXXX and my student loan was closed since XX/XX/XXXX and I have evidence that it is closed.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, 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)

I, the consumer in this matter, first contacted the Credit Reporting Agency in regards to accounts listed on my consumer credit file, in an attempt to amicably handle this situation, before this goes to court. I noticed that there were multiple erroneous accounts listed, and requested that they send me the method of verification used, my written authorization giving them, the Credit Reporting Agency, to obtain or furnish any of my non public financial information. In reporting this information, the CRA failed multiple requirements of the FCRA, most notably, the requirement of maximum accuracy, and the requirement of necessary consent and permissible purpose. Without consent, the CRA has no authority to furnish any information related to the consumer, and doing so without authority is Aggravated Identity Theft.

This is my final attempt to get this information removed prior to filing a federal lawsuit, as the violation of the FCRA is a federal of law.