davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (KS)

During the year of XXXX, I contacted Wells Fargo Bank where I banked and had military checking and all banking through their military banking department i contacted several times with regard to information on purchasing a home I was transferred to credit department and home mortgage department and was told that I didn't have a good enough credit score to purchase a home and that I lacked a large purchase in other words a low score and not major purchase they suggested that I make a large purchase or purchases to demonstrate I can pay back to increase credit score by using credit card or byway of other purchases THAT IS A TOTAL FRAUD AND A TOTAL LIE! I qualified at the time I was lied to by Wells Fargo for a house because the VA loan is totally different than a conventional home loan. Iwas told this lie by several Wells Fargo representatives in order to just run up my credit card. I charged on my card up to l Just under {$30000.00} and my fico credit score at the time was XXXX or XXXX, and was given {$30000.00} with that credit score. It is my honest and sincere experience and observation that Wells Fargo lied to me decieved me gave me this line of credit that I according to fico score didn't qualify to have A ) give large credit line in order use the assets that I had in the bank account over {$60000.00} to $ XXXX after XXXX initial cash deposit in my checking savings at that time B ) lied to me knowing I qualified for veterans loan BECAUSE I USED WELLS FARGO MILITARY BANKING but lied to me saying i didn't qualify in order to get me to make purchases on my card and C ) PROOF WELLS FARGO LIED DECIEVED AND MISLEAD ME ON MY MORTGAGE QUESTIONS AND INQUIRIES after I was approved for my home after having a {$30000.00} loan with Wells fargo ( debt to asset ratio ) still qualified me for a home because IT IS A VETERANS LOAN NOT A CONVENTIONAL LOAN. 

I had to pay Wells fargo the ( YOU NEED TO PUT PURCHASES ON YOUR CARD TO QUALIFY FOR A HOME LIE LOAN ) I have loan 10 % interest rate on a {$30000.00} loan for five years started in XXXX paying {$520.00} every month haven't missed a payment I been struggling but Wells Fargo predatory lied to me to get me to run up the card on lies telling me I didn't qualify for home loan because my credit score is too low and no major purchases ALL LIES I NEVER WOULD HAVE MADE THESE PURCHASES NOR HAVE THIS DEBT IF WELLS FARGO HAD NOT LIED TO ME ABOUT HOW I NEEDED TO MAKE LARGE PURCHASE AND RAISE MY CREDIT SCORE IT IS ALL LIES MY HOME LOAN CURRWNT IS A VETERAN LOAN HAD NOTHING TO DO WITH WHAT THAT LIED TO ME ABOUT. I QUALIFIED AND THEY LIED AND SAID I DID NOT.
Consumer complaint received 2017-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

This is being sent prior to filing suit an opportunity to amicably cure for MIDLAND FUNDING LLC your violations of the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C . 1692 et seq, Fair Credit Reporting Act 15 U.S.C. 1681 ( FCRA )  et seq, Fraud, Unfair  business practices, defamation of character and many   that arent mentioned in this letter.     - False or Misleading Representations in Communications - Unfair Business Practices - Failure to send me a 30 Day Validation Notice
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

My father and I bank at XXXX with separate accounts. On multiple occasions my father will sign a check and have me fill in the rest of it, due to his XXXX and inability to write. I have cashed at least 5 checks with XXXX bank written out in this manor. 

On Saturday, XX/XX/XXXX, I took a check to XXXX bank. It was for {$4000.00} that my father had signed and I filled out. I asked the cashier to deposit it. She said I could cash it since it was a XXXX check, so I did. 

On Wednesday, XX/XX/XXXX, I woke up to my.accoint being negative {$490000.00}. I was told my account was on hold due to fraud and they needed to talk with my father to approve the transaction. They could not reach my father, so I was told to drive 2 hours to his home to get him on the line. I did. They spoke with my father and he informed them that he did approve the check and he can't write well. 

I was then told by the bank that they were still going to close my account due to fraud and not allow my deposit to come through the next day. I am a single mother and had my account closed and I was called a thief because my father loaned me money. I would like to resolve this situation.
Consumer complaint received 2023-10-04
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: Cascade CISS Holdings, LLC (TX)

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 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 consume 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 ) ( a ) 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. 


Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUSXXXX XXXX XXXXXXXX XXXX XACTUSXXXX XXXXXXXX XXXX XXXX XACTUSXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (MO)

I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Consumer complaint received 2024-03-12
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00}
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 

XXXX XXXX what bankruptcy XXXX XXXX XXXX what bankruptcy
Consumer complaint received 2023-10-04
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. (IL)

I requested information regarding potential mortgage products from XXXX XXXXXXXX XXXX XXXX. I was contacted by multiple staff from XXXX. I never at any point authorized any member of XXXX XXXX XXXX XXXX to perform a hard pull on my credit. I explicitly advised the lady who called me that I had already been contacted and was already told that XXXX could not help me at this time. I told her I didnt want any hard inquiries on my report. She still ran my report anyway and now I have fraudulent hard inquiries on my report. I have contact the bureaus : Experian, XXXX and XXXX and they refuse to even investigate this.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (MN)

XXXX, EQUIFAX XXXX XXXX IS IN VIOLATION OF INVESTIGATING A DISPUTE I requested to be investigated by mail. They claim someone else sent the letter so I am providing proof of identity or the third time. I demand XXXX, equifax and XXXX to investigate the disputes that were submitted by mail. I received a stall letter from your company and demand you continue to investigate my dispute or you will be further in violation. I have submitted all Documents already via mail. I am uploading them again for proof of identity. Please resolve this matter ASAP or a lawsuit will commence immediately
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX, XXXX & TRANSUNION IS IN VIOLATION OF INVESTIGATING A DISPUTE I requested to be investigated by mail. They claim someone else sent the letter so I am providing proof of identity or the third time. I demand XXXX, XXXX and transunion to investigate the disputes that were submitted by mail. I received a stall letter from your company and demand you continue to investigate my dispute or you will be further in violation. I have submitted all Documents already via mail. I am uploading them again for proof of identity. Please resolve this matter ASAP or a lawsuit will commence immediately
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-04
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)

I have requested supporting documentation for 3 accounts marked as collections on my credit report. Each time the companies have responded as verified as accurate with no contracts and signature as proof and no method of verification provided. The most recent response from XXXX was marked verified as accurate and has different dates from the original verified as accurate response. Equifax also states the information is verified as accurate with completely different dates from the XXXX report and no supporting documentation. They should not be both reporting that the debt is accurate if the information presented does not match for both companies. 
The accounts could not be verified and I exercised my legal rights and requested they be removed to no avail. I have requested over 3 times that these accounts be deleted from the Equifax and XXXX reports due to erroneous reporting and avoidance of legal codes as required Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 
Dates of letters written to both XXXX and Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am a XXXX XXXX  and have served my community during COVID pandemic and have been a healthcare worker for over 15 years ; my credit is suffering. I am suffering. I am limited to funding for my endeavors for my mobile clinic due to this reporting.
Consumer complaint received 2023-04-25
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. (VA)

I have Never had any type of account with this Creditor. I would like to be provided with Documentation of the account that is currently reflecting on my credit report. I am requesting that this account be Verified as accurate through a replicable source outside of the XXXX XXXX.
Consumer complaint received 2023-11-12
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. (NY)

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (IL)

Credit Bureau is reporting an unverifiable public record on my credit report. I have submitted disputes along with documentation indicating this removal from my XXXX consumer file, yet the Credit Bureau is refusing to remove it. I have repeatedly requested the method of verification have not been provided it.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (LA)

See attached document stating why this late payment should be removed and updated on my consumer report. This clearly did no verification before slapping this erroneous late payment onto my cunsumer report damaging my credibility and reputation in the eyes of other creditors. My consumer rights have been violated and I want this wrong to be made right before further legal action to clear my name is taken.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-04
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OK)

Two days ago, I received an email from Home Depot thanking me for purchasing {$1000.00} of lumber in XXXX, CA. However, I live in Oklahoma. I logged into my Home Depot Pro Account to find that nearly {$4000.00} in purchases is associated with my account, using a card I DID NOT OPEN and DO NOT OWN. I attempted to call and remedy this situation, but their credit department requires a social security number ( mine was not accepted ) or an account number ( for an account I Dont Have. ) I am at an impasse and refuse to fight with their automated system just to try and counter what is either some very foolish fraud, or a glitch in their systems, any longer. Needless to say : DO NOT OPEN A PRO ACCOUNT. Do not trust Home Depot with your information.
Consumer complaint received 2022-12-09
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I am filing this report because I discovered that I've been an identity theft victim and informed all the required parties. I told the credit bureaus and informed the creditors I suspected they were fraudulently reporting on my credit report. After deliberation, the creditors were notified and are aware that the accounts they are currently reporting to the credit bureaus are fraudulent and do not belong to me. I contacted the collection companies and informed them that the version resulted from fraud and identity theft, and they needed to remove it from my credit report. They have ignored my request. At this stage, my credit is being harmed by these derogatory accounts and collections and must be removed from my credit report.
Consumer complaint received 2023-09-05
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. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.