davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have sent three different letters requesting verification and validation on this account. XX/XX/XXXX, XX/XX/XXXX and also XX/XX/XXXX. The company has not responded to any of the letters nor have they validated this account as being mine yet they still are actively reporting this account to the credit bureaus. I have not received any legal documentation such as a contract, agreement or promissory note with my signature that holds me legally responsible for this debt. I am attaching the latest letter sent to them but the exact same letter was sent on three different dates as stated above.
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (WV)

I paid this company {$290.00} which after reading I now know it was against the law for them to charge me before doing any work. Anyway I paid them {$290.00} on  XXXX   XXXX ,  2017  to remove inquiries off my credit report. They insisted I pay through   XXXX    because   XXXX   wouldnt allow credit repair payments. I now know its all part of their scam. They promised results by that weekend the results never came I messaged them and it was first just excuses then turned to them being rude and almost threatening. I have researched this scammer and have found many people who they have also scammed and they are also filing complaints.
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2017-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

Loan Care LLc .  XXXX   XXXX   XXXX   XXXX . This company purchase my mortgage from   XXXX   XXXX   XXXX   about one year ago. Since the purchase I have had problems with payments crediting in a timely manner and not  XXXX   XXXX    XXXX   my  Home Owners insura nce company called me to advise I they have not received my insurance payment for the new year. The payment was due  XXXX   XXXX    XXXX  . The bill was sent out by the insurance company to  XXXX   XXXX  servicing  XXXX   XXXX   XXXX   XXXX , SC  XXXX  30 days in advance. My policy will be cancelled  XXXX   XXXX    XXXX   if payment is not received from the Loan company. After I was advised of this situation I signed into the Loan company web site and saw a debit was removed from my escrow that same day. This is 13 days after the due date. As of today the 13 my insurance company has nor received the payment. I hope they will receive it next week because I do not have the funds to cover that and once cancelled I will never be able to purchase that same policy. This is unacceptable and this company has hundreds of such complains on the internet. The is also a complaint page that seems to be run by the company itself which of course gets no action just to make customers believe the government will see the complaint.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OK)

Yes jpmcyb bank credit and debit cards have stole all my unemployment money and every other benefit that had my social security number and etc identity was stolen through a false XXXXXXXX XXXX XXXX XXXX XXXX  account and it's been one year and six months and I still haven't got my funds nor able to catch up my bills etc with my information being with this company that I never even knew of finds out the company is owned by a familiar family friend how can I recover these stolen funds ASAP it's {$6000.00}
Consumer complaint received 2019-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted a letter to Transunion asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Transunion still have not provided me with the information that I requested of them. They mailed me a letter asking me to verify my new mailing address instead of providing the documentation they obtained in order to lawfully report these accounts. 
Attached is the letter that I sent to them.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ). 

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have sent 2 method of verification requests via certified mail to Experian credit bureau and Experian has ignored my requests and have chosen to stall by requesting additional identification information eventhough, but each time they verify this information without this additional ID requirement. 

Experian has failed TWICE to provide the method of verification after receiving my request and is in violation of FCRA 611 ( a ) ( 7 ) which states that a method of verification should be provided by Experian within 15 days after my request is received. 

My dispute is due to an inaccurate, erroneous bankruptcy in my credit file. 

XXXX XXXX XXXX XXXX XXXX ... # XXXX Report number XXXX - XXXX XXXX, XXXX I am requesting that Experian provide me with an EXACT description of the EXACT procedures used to determine the accuracy and completeness of the information disputed. 

If Experian is not able to provide me with the information I have requested I demand that Experian will do their lawful duty and remove this inaccurate, erroneous bankruptcy. 
it is my belief that Experian has not contacted the courthouse because I contacted a clerk at the courthouse who stated that Experian at no time has contacted them regarding this inaccurate, erroneous bankruptcy. 

I plead with CFPB to intervene and have Experian provide the method of verification that I have requested TWICE or remove it from my credit report immediately. 

Experian is disrupting my financial life at this point and I am determined to contact every agency, news media, my congressman etc screaming at the top of my lungs regarding Experians blatant disrespect for my disputes & method of verification requests etc if this inaccurate, erroneous bankruptcy is not removed.
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

3 wires were sent totaling {$900000.00} for real estate XXXX and XXXX sent 3 wires for {$900.00} to XXXX XXXX XXXX XXXX Wells Fargo received those in XXXX XXXX XXXX XXXX All wires were recalled. Initially, Wells Fargo said it was a large error on their part but since change from that recorded call to its XXXX and XXXX error and they carry lose accounts to cover these situations. We asked all three to self-report. XXXX and Wells Fargo said no on recorded lines. XXXX said report to cfpb and provide report number. Then they would self-report. A police report was filed, and Civil lawsuit. in XXXX XXXX Texas. The same individuals have many civil lawsuits. They have 2 bankruptcies that have been reported as fraud. The US DOJ is monitoring those bankruptcies but will not confirm or deny they have an open investigation. XXXXXXXX XXXX issued a fraudulent 1st lien loan to counter a second XXXX in default. Unjustly putting themselves at the front of the line. They did a conforming loan without support. So much so they allowed a second lienholder to step in and take over the asset. They know they have a loan officer who committed fraud to save his year-end performance bonus. We asked them to self-report. Head of compliance was served, and they went silent. a lot of layers of fraud. PPP. Wire, Securities, Tax evasions. The great thing for investors is you have banks who committed ppp and loan fraud. XXXX XXXX XXXX. His brother XXXX XXXX and daughter XXXX XXXX have trust fund with stolen investor 's money. 

XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX has XXXX children. He claimed XXXX exemptions in XXXX. Tax fraud. 
These individuals have both stated that they carry a XXXX at all times, and should be XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I received a phone call from someone impersonating a representative from WellsFargo Bank. They said that I had Fraudulent activities on both my checking and savings account. I believed them since this has happened before and turned out to be true. So the representative asked me if I traveled to XXXX and I said no. He also claimed that there were four flagged Fraudulent amounts on my account. He proceeded to tell me that they might have access to my account and know my routing number and account numbers so I need to change my username and password. He sent a Wells Fargo message saying to put my username and cancel. I did. He sent another Wells Fargo message, but this time, it said put my password and cancel. I told him that I dont know my password since its saved on my phone. He gave me a temporary password so I can get into my account. So the representative told me that I need to make a wire transfer of money from both accounts to new accounts. I proceeded to send my checking account money to the new account and I was moving the {$13000.00} from my savings account to the new account also, but I made a mistake and put {$1300.00} only. It was canceled. I tried to send the {$13000.00} three times, but it wouldnt allow it. The representative told me that he was going to send me a new debit card since my accounts were supposedly compromised and to go to a bank and take out {$13000.00} from my account so I can transfer it to my new Debit card. I went to the bank and withdrew {$13000.00}. The representative gave me the debit card to put it on XXXX XXXX. After I did, I tapped the phone to the ATM tap and deposited the {$13000.00} into this Fraudulent debit card that I thought was mine. After an hour, I called Wells Fargo to see my progress and thats when I saw that it was Fraudulent. Even thou i sent in a substantial amount of evidence that i was frauded, WellsFargo refused to refund me.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

In reference to previous complaint number XXXX. 

After taking months and multiple erroneous charges to finally fix the issue Fifth third has started to charge me interest again. The promotional offer was supposed to be interest free till XX/XX/XXXX but on XXXX XXXX I was again charged an interest of {$170.00} This just goes to show the level of incompetence at all levels of FifthThird bank and they are not to be trusted to act in an honest and efficient manner
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The credit limit on my XXXX credit card is showing {$600.00}. The credit limit is {$6000.00} and has never been {$600.00}. XXXX  shows the limit as {$6000.00} so there is an error showing on my credit report of {$600.00} which has made it appear as a decrease in credit of {$5400.00}.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the XXXX XXXX XXXX Account, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-28
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. (GA)

I have sent numerous certified letters regarding my credit report. I called Tuesday XX/XX/2023 at XXXX XXXX spoke with representative XXXX employee number # XXXX, regarding my concern of late payments reporting. XXXX stated that Equifax reports whatever the information is provided by the agencies even if it is unlawful and illegal. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
Equifax decision is IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXX XXXX XXXX  ( XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; In closing, please reverse the inaccurate information from my credit report and send me an updated copy of my credit report once it has been removed.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

In XXXX XXXX XXXX closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXXXXXX XXXX to let my credit continue to be negatively affected.
Consumer complaint received 2024-11-21
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. (TX)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2022-11-17
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. (TX)

In accordance with the Fair Credit Reporting Act, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-17
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. (TX)

In accordance with the Fair Credit Reporting Act, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has Violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, 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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 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 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (KY)

AES fraudulently reopened an account that was charged off and closed in XXXX XXXX by applying forbearances and deferments without my consent or knowledge. AES forged my signature on a forbearance request for the dates XX/XX/XXXX to XX/XX/XXXX. A 6 week forbearance is very unusual considering they are normally requested for 6 to 24 months ( see attachment ). AES admitted that after I demanded they remove all negative reporting and delete all tradelines, they applied forbearances and deferments to keep the account from falling off my credit report and keep it in good standing. I did not request nor sign any forbearance or deferment. The signed MPN is for the amount {$14000.00} while AES claims that owe over $ 90k ( see attachment ). AES is reporting inaccurate and incomplete information to XXXX and refuses to correct the issue and remove the tradelines. The tradelines have been on my credit report since XXXX and yet there is no other information than as of XX/XX/XXXX it is current and in deferment. AES continues to withhold information regarding the owner of the account as well as other pertinent information surrounding the dispute. I have requested this information several times and they refuse to provide anything. AES agreed to remove all tradelines from XXXX and XXXX, but they refuse to remove the same tradelines from XXXX. This is an FCRA violation.