davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE (TX)

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX XXXXXXXX involved me making deposits for a total amount of XXXXXXXX USD from my Golden 1 Credit Union account to fraudulent investment firm ( s ).
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I ws a victim of XXXX and my accounts ( closed, delenquent and collection status ) were overtaken by XXXX from the criminals that had influence over my finances after XX/XX/XXXX and through XXXX XXXX I sent them a letter in compliance with their rules reguarding XXXXXXXX XXXX victims. 

They have not responded to that specific claim of account being stolen and reported information as accurate. I have tried to resolve this several times. 

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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

So I had a legal document sent to the credit company expireran and to the debt collector requesting info that I requested from them explaining in detail all this money they are telling me I owe I have not received anything to date but expireran says the investigated and shared nothing with me only that they were not remove it how can you ignore my request for info that is simply false my lawyer broke it down in a very detailed letter onwhati was, I was legally in titled to and I got nothing not even a response to be honest something is not right about the way expireran is handling my credit I have had many problems with them ignoring police reports requesting me to go above and beyond whats legally required to prove my case and when I do they still ask for more info only to find out they use a computer system to make judgements and issue a final determination on the my dispute in which I have expressed that I am not at all comfortable with to the point I have had to seek legal help and still am getting shutdown and Ignored in my request for info that I should be given I would like to see there investigation so that me and my lawyer can go over it and dispute accurately and I get nothing as a matter of fact they changed the date that I opened the investigation they ignored all request for infos on this debt and I for supporting there supposed investigation Im sorry but this is a serious matter and there word unfortunately is not good enuff and I am asking for a complete review on this debt and a break down and for it to be explained on where the amount I am being charged came from dollar for dollar cent for cent along with the amount they were paid on my behalf from Covid 19 rental relief that they applied for after I left like it was agreed that I would move out and end lease due to the issues that Covid 19 were causeing the whole country infact expireran dosent even see the fact that I have two diff apts propertys saying I owe them at the same time same time period I have been a victim like so many of the landlords in XXXX XXXX that not only are charging people for rent that was not owed but the fact they they were paid by government funds even after I was no longer staying there but yet I order for them to apply for those moneys they had to lie and say I was liveing there which ok they were paid but they are still trying to get more money and when they took those relief funds they weer not suppose to go after tenants for back rent which they clearly are and expireran is allowing them to abuse there authority
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I was phished XX/XX/year> and gave out my credit card number. A few days later my bank notified me about a purchase w my credit card which I had not authorized. I notified my bank of this same day and requested a new credit card. I wrongly assumed bank would reverse charge. But in XXXX bank notified me my debt was in collection agency. I sent a letter disputing the charge. A few days ago bank sent letter saying they found no fraudulent activity. I called bank XX/XX/XXXX and asked to put in another claim. I have always paid my debts on time and up until now had good credit.
Consumer complaint received 2023-09-07
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Best Buy card services sent a late payment to credit report companies XXXX, XXXX and XXXX on a purchase I did not authorize. It was a purchase made in Minnesota and I live in Texas. The scheduled amount was {$67.00} max reported on XX/XX/. This is causing an unnecessary low FICO mortgage score. The credit card last four digits are XXXX.
Consumer complaint received 2024-01-17
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. (GA)

LVNV FUNDING LLC 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 removed this from my consumer report. I am requesting for LVNV to verify my Social Security Number, I am requesting them to provide the contract I signed with XXXX XXXX for this Credit Card. I am requesting them to show proof I provided all verification to apply for this credit card. I am disputing the date they are reporting the informationt to the credit bureaus because I do not owe XXXX XXXX
Consumer complaint received 2023-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

AmeriHome Mortgage has collect funds from me to cover my homeowners insurance and my property taxes. AmeriHome did not pay my home owners insurance and I recived a cancellation notice from my insurance company. I had to call and demand payment of my insurance then they paid the insurance. Now I have a Tax Certificate issued against my property as they collected money from me to pay my taxes and as of today XX/XX/2023 they have not paid.
Consumer complaint received 2024-01-17
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. (CT)

I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness. 

See letters for the details.
Consumer complaint received 2024-01-17
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. (NC)

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2023-09-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

This company, XXXX XXXX, has called, emailed and mailed me about an alleged debt of {$10000.00}. I have never done business nor have I signed any contract with this company yet theyre reporting a false amount on my credit reports. I requested a debt of validation from this company about this alleged debt in which they failed to provide me with.
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since the beginning of XX/XX/XXXX, I have received pre-paid debit cards that I have not applied nor have used for and application cancellation notices from financial institutions that I have established relationships and accounts with notifying me of accounts that were attempted to be established by someone who has fraudulently taken over my identity. Through these institution policies and technical advances, these accounts were stopped, and applications were canceled. However, the results of these attempts left inquiries on my credit report that were the result of fraud. 

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 2023-04-18
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. (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 15USC 1681. 

XXXX : XXXX, XXXX : 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items Any other adverse item of information, other than records of my 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 2017-04-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

I made maybe XXXX Credit Card transactions Total and Wells Fargo Cancel My Credit Card and send me a New One two my Moms Minnesota Address the Problem is I 'm a refugee living in XXXX and have no way two receive the credit card. 
This is the 3rd Time in the Last year Wells Fargo Sent me a new Credit Card. 
Theres XXXX Refugees in the World and the Banks want two Just send them new Credit Cards when they do n't live in the Same Country Subject : Your card has shipped From : Debit and Prepaid Cards XXXX/XXXX/2017 XXXX Contact Us Your new card is on the way We have shipped your new Wells Fargo Debit Card ending in XXXX. 

We sent you a replacement card as a precautionary measure because your current Debit Card may be at risk for unauthorized transactions. 

Your new card will arrive within 5-7 calendar days at : Shipping Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Your card will arrive in a white envelope with the Wells Fargo logo in the upper left hand corner and a XXXX, SD return address. 

Front Image of Envelope Wells Fargo Debit Card Envelope What you should do Keep using your old card until your new card arrives. If you have n't received your new card already, it should arrive in the next few days. Your old card will close on XXXX/XXXX/2017. 
Activate your new card right away by calling the phone number on the sticker attached to the card or by using it at any Wells Fargo ATM. 
Destroy your old card. 
Monitor your account for any purchases you do n't recognize. Contact us if you do not recognize a transaction made to your account. 
What you should know We will continue to monitor your account 24/7 and will notify you if we detect any unusual activity. 
Your replacement card will have a new card number, expiration date, and new XXXX security code on the back of the card. 
Alerts can help you monitor your account activity. You can go to Alerts to manage your subscriptions. 
If you have another card at risk, we will notify you separately. 
Wells Fargo cards come with Zero Liability protection* at no extra cost. You will not be liable for unauthorized card transactions when you report them promptly. 


We understand the inconvenience this may have caused. If you have questions or do n't receive your card within 7 days, please call XXXX ( XXXX ) or contact us by secure email. Phone Bankers are available 24 hours a day, 7 days a week. You can also visit our Fraud Information Center at wellsfargo.com/fraud for resources to help you reduce your risk of fraud and identity theft. 

Sincerely, Debit and Prepaid Cards * Please refer to your applicable Wells Fargo account agreement and card terms and conditions for information on liability for unauthorized transactions. 
XXXX
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a countrywide home loan. After several years of not paying wind insurance, they sold the loan to Bank of America. Bank of America added over {$14000.00} to my mortgage for bank-placed wind insurance when it was not required. I also got behind and used a program twice to get me back in good standing but they would always find excuses as to why they wouldn't accept payments. So they wouldn't accept them, and kept adding late fees. Eventually the loan was sold to XXXXXXXX XXXX. and when I sold my house ( did not foreclose ) for {$600000.00} I actually had to come up with money to close when my mortgage was originally {$300000.00}. They took advantage every way they could to rack up the bill. I was in the house for about 15 years.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (TX)

XXXX, Transunion, and XXXX are consumer reportingagencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. '' Any and all consent to XXXX, Transunion, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to these agencies never informed me of my right to exercise my nondisclosure option. 

15 USC 1681C ( a ) ( 5 ) also states " Except as authorized under subsection ( b ), 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. '' These accounts are adverse items they are reporting again without my permission which is against the law.

15 U.S.Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S.Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed undersection 1681b of this title.

these consumer reporting agencies are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I have opted out of their reporting services.
Consumer complaint received 2023-11-15
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. (PA)

I have been disputing with Equifax, XXXX, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my Equifax consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by Equifax, XXXX, XXXX and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY EQUIFAX, XXXX, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).