davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX XXXX, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I Noticed fraudulent charges on my wells fargo account made out to an online sports betting platform. I immediately took action by notifying my bank about the fraudulent charges, I filed a police report and I looked up the merchant who the charges were made out to and wrote them an email notifying them about the fraudulent activity taking place and advised to investigate the matter and provide me with any related information regarding the account. 

I filed a police report and provided the police with all the charges and information I had and got a police report number that I relayed to my bank claims specialist to include in my claim. 

The wells fargo bank representative assisting me with the claim filed a fraud claim with me over the phone including all the charges totaling {$17000.00} and advised me that wells fargo will freeze the account and make sure nothing else gets charged to my account, I was given a reference # referencing the freeze and instructed me to make an appointment with a banker to set up a new account with a new account number. I was advised that the bank will investigate the matter within 10 business days and if more time is needed they will issue a temporary credit for the disputed amount. 

on XXXX XXXX, logged into my account and noticed XXXX new transaction totaling {$6800.00} charged to my account from the same merchant dated XX/XX/XXXX and XX/XX/XXXX after I was given a reference # for the freeze on my account. I was devastated and called the bank to inquired about the new charges given that my account was supposedly frozen I was given someone else to speak to that seemed to have no knowledge about the freeze of whats going on and gave me misleading information, asks me the same questions as if I am starting the whole process from scratch. It was very frustrating, I then decided to call the next day and escalate the call to a higher rank specialist with no help or results other than the standard statements read to me previously. 

On XX/XX/XXXX, I call the bank again and reached a claim 's specialist, I explained my case and I was advised that I will be issued a provisional credit to my account within 24-48hrs which gave me some hope and relief. on business day 10 of filing the claim, I still had not seen a provisional credit to my account so i called the bank again and the results were " Sorry, the claim was denied '' I asked to escalate the claim and was asked to provide the same supporting documents of the police report and the explanation of the fraudulent charges I already provided before. At that point it became obvious I keep getting the run around and thrown to someone else that asks me for the same things that I provided to the previous specialist causing a chaos on the progress of investigating the claim resulting in bogus conclusions from honoring wells fargo " zero-liability '' protection policy against fraud related matters.
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (LA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

To : Bank of America Mortgage Service Attn : Customer Relations DA : XXXX XXXX, XXXX RE : Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was XXXX, XXXX to XXXX, XXXX. According to my records Ive paid a total of {$7.00}, XXXX during my loan. How much interest was taken towards my mortgage during that time? XXXX XXXX XXXX purchased the loan from you Bank of America Mortgage Services. I must inform you that my name could have been listed as XXXX XXXX. XXXX when transferred. Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to Bank of America Mortgage Service, if everything was transferred to them at the end of the mortgage loan with XXXX XXXX XXXX.
My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan. Provide documentation of the year when mortgage loan should be paid in full according to your records.
Consumer complaint received 2024-05-10
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. (OH)

THE CREDIT BUREUAS HAVE VIOLATWD MY RIGHTS WILLFULLY I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per1 5 USC 1681c-2 these need to be removed in XXXX days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2023-03-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

According to the Federal Act everything on my consumer report should be 100 % accurate. How did the company do an investigation to my account if its reporting different information in every bureau. Please delete derogatory misleading information. XXXX XXXX ; XXXX I have attached a copy underwriting misleading information. You are violating my rights under 1581USC 1681A ( 2 ) a ( i )
Consumer complaint received 2017-09-17
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: EQUIFAX, INC. (AL)

I have attempted to contact Equifax by mail and over the internet on multiple occasions to request they address my concern that they have placed XXXX accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid. Both of these accounts were paid but then both amounts were later refunded after a XXXX enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Equifax, and they both appear as consumer credit entries on my Equifax credit report, despite not being consumer credit accounts. I believe that Equifax has violated the terms of the XXXX XXXX consumer credit agreement with the Attorney General of the State of Alabama that Equifax signed in XXXX XXXX which stated they would not post non-consumer credit accounts into credit reports. I received my most recent response from Equifax today ( XXXX/XXXX/XXXX ) and the continue to ignore my complaint that the VA overpayments are not consumer credit accounts and only state that the " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to XXXX company that the prior paying history is being reported correctly. If you have additional questions about this item please contact : XXXX 's XXXX, XXXX XXXX XXXX, XXXX XXXX MN XXXX > ''. I do not believe that under the terms of the XXXX state agreement that these accounts are authorized to be entered into my credit report per para XXXX of XXXX state agreement XXXX attached ) which states " The CRAs shall prohibit XXXX XXXX from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). ''
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Has an inaccurate amount of late payments and is violating my privacy. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consistently, I've maintained timely payments on this account, ensuring they never fall into arrears. I'm unclear why there are indications of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections ought to be made.
Consumer complaint received 2023-03-12
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: WELLS FARGO & COMPANY (LA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2017-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IL)

I received a phone call approximately 10 days ago from the  Convergent Healthcare Recoveries  company, attempting to collect a debt on medical bills. To my knowledge we had no current or past due charges requiring payment. When I asked for more information the caller stated the date of service was from  XXXX , more than 4 years ago.     Today (  XXXX / XXXX / XXXX  ) I received a letter asking for payment in the amount of {$130.00}, The dates of service were  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX . Both show payments ( not from insurance company ) in amounts that would coincide with mu co-payment.     I have paid my medical bills in good faith. I was not aware of an outstanding amount. I can not access my bank records or my explanation of benefits back to  XXXX  to validate the services or research the payments.     I have written them stating they are not to call me on this debt and that I consider it invalid. I have also informed them that I have filed a complaint with the CFPB.
Consumer complaint received 2017-05-16
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. (NC)

XXXX   XXXX ,  2017 Bureau of Consumer Protection  Federal Trade Commission   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX   RE :  FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Wh om It May  Concern : On  XXXX   XXXX ,  2017, I   received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand tha t may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-13
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. (NV)

There are accounts on my credit that do not belong to me. I don't know who's they are. Please remove them. I have submitted a copy of my identification and my utility bill as well to prove who I am.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Consumer complaint received 2023-03-12
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. (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. 
XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN : # 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 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 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.