davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. I believe that these entries do not accurately reflect my overall creditworthiness. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have taken proactive measures to rectify the situation and ensure timely payments in the future. I value my financial responsibility and the importance of a positive credit history. As such, I kindly request that the late payments associated with my account be either removed or updated to accurately reflect the current status.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (TX)

I wrote to both of these companies on XX/XX/XXXX via certified letters. I wrote Celtic disputing the original debt and informed XXXX XXXX XXXX that the debt was illegally purchased. 

RE : XXXX XXXX XXXX : {$380.00} RE : XXXXXXXX XXXX - Indigo Mastercard : {$380.00} It is in XXXXXXXX XXXXXXXX  Terms and Conditions to not share my information which they have done. In addition, they have not provided me equal consideration considering how money is created. I can share my original letter to both of them which was notarized and certified. XXXX XXXX responded by sending me many bills of exchange via mail without them being USPS registered or certified by law XX/XX/2023. 

It is such a small amount of money that I shouldn't need to take them all to arbitration but I will if this can not be resolved.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I purchased a home it was set to sale on a foreclosure date. 
My home sold before it foreclosured. 
The mortgage company XXXX reports it as a foreclosure/repossession. 
This is not right, I have tried on several telephone calls to have it removed. 
They stated they can report it foreclosured if it went into foreclosure. 
Dumb it was not foreclosure.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I found a home online through XXXX and rented a home and have been paying rent to whom I thought was the owner since XX/XX/2023, I have lived in the residence for 7 months, and I found out last month that I was a victim of a rental scam. The property management of the home I reside in served me with a dispossessery notice to vacate in 7 days.I have paid XXXX $ in rent and now I do not have anything to move with. I have filed complaints with the FBI, the FTC, my bank, the police dept, and the sheriff 's dept. I have lost my hard-earned money that no one seems to care about or even want to help me get back. I am the victim, I have nowhere to g, o and now, no money, this is completely and utterly not fair. I should not be penalized for someone else 's criminal actions toward me, I am the victim
Consumer complaint received 2024-03-22
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. (GA)

I am writing to formally dispute and request the immediate blocking and deletion of XXXX accounts that have been fraudulently opened in my name and are currently listed on my Experian credit report. I have recently reviewed my credit report and discovered the following unauthorized accounts, which I believe to be a result of identity theft : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/2024 - Reported Balance : {$470.00} - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/2024 - Reported Balance : {$440.00} I hereby affirm that I have no knowledge of these accounts, nor have I ever authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is also damaging my creditworthiness and causing me undue stress and financial harm.
Consumer complaint received 2023-11-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

In XXXX 2014 my mortgage company, Nationstar Mortgage LLC deducted XXXX mortgage payments from my checking account. I called them and told them I only authorized XXXX payment and to please refund XXXX payment back to me. On XXXX XXXX I was issued a check from Nationstar for {$1500.00}. I attempted to cash this check but Nationstar issued a stop payment on XXXX XXXX, 2014. I contacted them again and said since my next payment was coming due to just apply to the XXXX payment. This never happened nor do they acknowledge that the check was stopped from payment. I have been in contact with them for almost 2 years trying to resolve this issue. I was told my money was put towards principal instead of payment and that it would be corrected. My money was moved over XXXX times around my account. I am now in collections and owe over {$800.00} in late fees and still am getting the run around from their staff. I will attach a copy of the stop payment that they claim does not exist. I only want my account brought current, the fees taken away and my credit repaired as I have been paying high Intrest rates on car loans and such because of a poor credit score. Any help would be greatly appreciated.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/2023 I noticed improper transactions against my various bank accounts with Wells Fargo. I reported the improper transactions. The bank closed my primary account and issued a new account to me. However, fraudulent transactions continued to appear on the new account so the bank said it would shut my access down completely. When I then had a later opportunity to view the accounts, I saw yet more fraudulent activities. I have engaged the bank to recover such monies ( thousands of dollars or more ) and have closed all accounts. What I seek now is a full accounting of all fraudulent transactions and confirmation that all monies have been returned to me.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an email earlier in XXXX that my credit card was closed. I called Capital one and they stated that a communication was sent to me via app on XX/XX/2022 that i have to use the card within the 90 days or my account willbr closed. I accessed the app on Capital one while the agent is on the phone with me and i didnt see any record on the app. The app is empty and it states that i dont have any documents. My account was closed without any communication from them. Very unprofessional and they dont have any policies set in place.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

I have sent Wells Fargo, N.A Bank two different Billing error notices disputing a balance of {$6100.00}. First letter was received on XXXX and my Second billing error plus notice of default was received XXXX. Wells Fargo failed to perform all administrative duties and procedures related to billing error notices. 
Wells Fargo XXXX XXXX XXXX XXXX XXXX gets access to the Billing Error notices and CONVERTS them into complaint cases. They SHOULD NOT be converting anything. This tactic is used for them to elude the required procedures of handling billing error cases. Wells Fargo have created XXXX different complaint cases on my account and I never filed a COMPLAINT with them ever. The case numbers are : XX/XX/2023 # XXXX, XX/XX/2023 # XXXX, # XXXX, XX/XX/2023 # XXXX. They use these case numbers deceptively to give account holders the false impression as if they are responding to a Billing error notice but in reality they create a complaint case numbers and NEVER OPEN A BILLING ERROR DISPUTE CASE. I have never sent a letter expressing a complaint, nor have I did over the phone. WHY do I have XXXX Complaint cases????? 
In my XXXX billing error notice of default I instructed them not to contact me by telephone and respond by XXXX mail only. There are already numerous attempts by them to contact me by phone which is considered harassment at this point. I want the Bureaus to investigate WHY is Wells Fargo allowing and instructing their XXXX XXXX XXXX XXXX XXXX ) Change Billing Error Notices into Complaint cases. This is pure NON COMPLIANCE with the Billing error dispute process. My notice of default was to request them to forfeit the balance of {$6100.00} for the Complete FAILURE of ALL the Procedures required and that is in compliance with XXXX XXXX XXXX, TILA Part D XXXX, XXXX, XXXX, XXXX and XXXX. Any other regulations or procedures applicable to my case. As I write this complaint now Wells Fargo is Still in Non compliance and they are also still trying to collect on a balance that is being disputed for the XXXX time. They are also still reporting the disputed balance on my credit report as accurate. There was never a reasonable investigation completed nor are they taking any responsibility for the Unauthorized electronic transfer of {$6100.00} made on my account. The money should've never left my account and they were offered XXXX business days to contact me to provide WRITTEN authorization. Wells Fargo never attempt to contact me to provide that information, Therefore Wells Fargo is Liable for the {$6100.00}. And I am requesting for them to XXXX  out my balance.
Consumer complaint received 2024-03-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX Bankruptcy XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (NY)

saw an account from US DEPT OF ED account # XXXX which showed up on my credit report that I never seen before and never gave them any written permission to report anything on my credit report. I need these deleted asap. Also they have multiple addresses and my name are not accurate on my credit report. I need them to delete any names in their system that vary from my name and delete any address in their system that does not match mine.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Dear XXXX XXXX XXXX, I am writing to report a fraudulent account listed on my credit report under XXXX XXXX XXXX, which was opened without my knowledge or consent. This is a clear case of identity theft. I have provided police report and contacted the FTC. 

Creditor Details : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 

I have already informed both entities about the identity theft but have been denied any information about the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter and the removal of this account from my credit report. 

Please confirm receipt of this request and outline the steps you will take to address this issue. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my mortgage account with this bank. During the COVID-19 pandemic, I experienced significant financial instability, which led me to seek assistance from the bank in adjusting my payment plan. Despite multiple attempts to contact the bank, I did not receive any response, rendering me unable to afford the high payments at the time. 
It was only after the COVID-19 pandemic had subsided that I received a response from the bank. Subsequently, we were able to establish a new payment plan, and since then, I have consistently made timely payments, with no further instances of late payments. However, I have noticed that the late payments incurred during the pandemic have not been removed from my credit report. 
I understand the importance of accurate credit reporting, and I believe that the presence of these late payments on my credit report does not accurately reflect my current financial situation and payment history. I kindly request your assistance in reviewing this matter and facilitating the removal of the late payments from my credit report, considering the extenuating circumstances surrounding the COVID-19 pandemic and the subsequent resolution with the bank.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TODAY I ATTEMPTED TO GET A COPY OF MY FREE ANNUAL CREDIT REPORT FROM TRANSUNION BUT I WAS NOT ABLE TO DO SO BEING THEY SAID THEY COULD NOT VERIFY MY IDENTITY BASED ON THE INFORMATION I GAVE THEM.     I AM REALLY ANGRY THAT TRANSUNION REFUSED TO PROVIDE A FREE COPY OF THE ANNUAL REPORT.     I CAN NOT CALL THEM DURING THE DAY BEING I WORK AND CAN NOT HAVE THE ABILITY TO USE A TELEPHONE.
Consumer complaint received 2024-04-12
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. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (MN)

I am writing to dispute the alleged debt from American Accounts AD ( reported on XX/XX/2022, for {$220.00} ) with XXXX XXXX XXXX as the original creditor. 

According to the Fair Credit Reporting Act ( FCRA ), " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly... the agency shall reinvestigate free of charge and record the current status of the disputed information ... '' ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). I have not received any validation for this debt and request a thorough reinvestigation. 

Furthermore, the Health Insurance Portability and Accountability Act ( HIPAA ) prohibits the disclosure of protected health information without consent ( 45 CFR Parts 160, 162, and 164 ). The reporting of this debt through the original creditor 's name implicitly discloses my health information, which is a violation of my privacy rights.

Pursuant to FCRA ( 15 U.S.C. 1681g ( a ) ( 1 ) ), I demand a complete validation of this debt, including a copy of any document bearing my signature, proving the legitimacy of the debt. If you can not provide this, I insist on the immediate removal of this debt from my credit report. 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

After having a credit card opened with XXXX XXXX XXXX  and then experiencing identity theft u had to close all my accounts and pay off all balances. The balance of {$630.00} was paid XX/XX/2020 over the phone and then the account was closed. The card still appears in my credit report and with a higher balance stating that it is delinquent and charged off.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete ASAP.