davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NY)

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account Wells Fargo CRD SVC Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : Wells Fargo CRD SVC Account 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 the following information items. 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 2023-10-16
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)

This is my second 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  GA XXXXXXXX XXXX  XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} SXXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XACTUS-CP Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} CCS XXXX  XXXX Balance : {$1300.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX  XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2023
Consumer complaint received 2023-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

Mr Cooper has been trying for the last few months to force my property into foreclosure so that they can foreclose on it. 

I have been late a few times but the fees have been paid and also they are aware I always catch up on my late payments. Now after becoming late for two payments I am unable to make a single payment to prevent the foreclosure process. 

This is a deliberate attempt to force the property into foreclosure and is a fraudulent process. Mr Cooper needs to be investigated for this practice.
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (OH)

The  one company that finally responded to my client, Real Time Resolutions after  having the false loan since  XXXX   XXXX ,  XXXX ,, did so after it transferred the alleged loan to  XXXX   XXXX , that has had this false debt since  XXXX   XXXX ,  XXXX . I have learned that another debt collection company also had this false loan prior to  Real Time.  None of these companies contacted my client. My client had hired another service to help her and that company found the alleged debt and the collection companies on her credit report. My client tried to speak to the collection companies by phone, but was told that " the loan balance '' was owed by her.     In summary, my client entered into a land installment contract in  XXXX  ; was in the property for approxima tely 24 to 30 months ; was then locked out of the home and the land contract was terminated of record  and withdrawn. She was never deeded the property, therefore, she does not owe any money and, secondly, the property has been sold to another company for more money.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 U.S.C. 1666, 15 U.S.C. 1601, 15 U.S.C. 1692 ( C ) ( C ) and 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 


In accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. 

I sent CHEXSYSTEMS multiple letters requesting and demanding that they remove this inaccurate information from my file within 30 days in accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i, or send me copies of the documents that they have in their files as of this date that what they rely upon for verification of these accounts. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

On XX/XX/XXXX, ,This notice was sent by Certified Mail # XXXX. Per U.S.P.S. XXXX Return Receipt in the possession of the Libellant, refused to provide said proof of claim ( s ). 

XXXX XX/XX/XXXX, a NOTICE OF FAULT OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE was sent to LIBELLEE by a Notary Public, the third-party witness and Justice of Peace . This notice was sent by Certified Mail Receipt # XXXX and per records on file with the USPS . You refused to provide said proof of claim ( s ). 

Chexsystems had ten ( 10 ) days to respond with proof of claim, point for point ; however, Respondent chose to remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted and has agreed and stipulated to the facts. 

Please see return receipt and response from Chex systems without providing proof.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NC)

I accidentally purchased a subscription for {$7.00} on XX/XX/2022 on an application for my XXXX. I used the Apple Card and immediately told the card issuer on XX/XX/XXXX that it was an accidental purchase. I submitted two claims and both were denied because they were " Not Eligible for Refund ''. However, I never meant to purchase this subscription.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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 2023-10-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. BANK OF AMERICA XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (NJ)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2023-10-15
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. (NY)

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 2023-05-29
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. (OH)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo Bank refuses to take responsibility for the illegal unauthorized fraudulent transactions and charges. Wells Fargo Bank representative XXXX XXXX says over the phone on a recorded line that she would review the fraudulent transactions and charges. Wells Fargo Bank XXXX XXXX after 70 days has not accepted responsibility for the unauthorized fraudulent charges and fraudulent transactions and illegal unauthorized fraudulent transactions are has not accepted responsibility or given any reason not to answer the questions and complaint despite XXXX  police report XXXX. XXXX and XXXX XXXXXXXX XXXX immediately accepted responsibility for the unauthorized fraudulent charges and fraudulent transactions and illegal unauthorized fraudulent transactions
Consumer complaint received 2023-10-16
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 recently received a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy.

[ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( XX/XX/XXXX ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ). 
and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ]. 
Anti-Bribery Statement XXXX XXXX XXXX  of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( XXXX ). ]
Consumer complaint received 2023-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

Credit Collection Services tried to collect this alleged debt prior date XX/XX/2023. I made an FTC and CFPB complaint on XX/XX/2023, and the results came back that the alleged debt collector closed the account. Now they are trying to reopen the account. Complaint ID XXXX On XX/XX/2023, I received a letter in the mail from Credit Collection Services for the alleged debt, to collect on a debt not owed. My supporting documents will show the CFPB complaint and the response from the debt collector.
Consumer complaint received 2023-10-15
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. (GA)

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 2023-10-15
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. (LA)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX  XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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 instruction.

also Federal courts recently have issued rulings about the use of a consumer report for the collection an account under the FAIR CREDIT REPORTING ACT ( FCRA ).

These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act. ). In particular, the word " credit '' was defined. As a result of the new definition the position that is being advocated is that a " collection of an account '' is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
According to the recent notice from TRANS UNION federal court rulings have determined that child support payments do not arise from a credit transaction and should not be reported on credit reports.
Consumer complaint received 2023-10-15
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)

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 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

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 2023-10-15
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. (VA)

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.