davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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. (FL)

I voluntarily CLOSED my XXXX Bank account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (FL)

My bank account has been closed for a week they said the car was in property used I have tried over my bank account I can't get my bank account I need to pay my bills I can pay my bills it is going to total mess that I've sent emails to the support the support has no phone number to call the whole thing is a mess and I need money to pay my bills right now.
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

the main reason for this complaint is to let our state attorney and the ftc before it go to federal court ; two collection companies is reporting accounts that's been reported by the original creditor as paid in full.as you can see by the reports that's sent with this complaints the company ; lvnv funding is reporting a paid in full account # XXXX by XXXX XXXX XXXX.which stated a paid in full account.amount XXXX The company ; XXXX XXXX asso.is reporting account XXXX in the amount {$390.00} amount paid XXXX XXXX.the only reason those two collectors is reporting false billing on a XXXX years old person is hate and that will go into court with me.If those companies is not willing to move this trash from my credit report.this date.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc. (CA)

Ive paid into a self credit builder account since last XX/XX/2021, a Company called XXXX XXXX. the catch was if I made payments of XXXX each month automatically deducted from my bank account each month within a year, the company was supposed to report to all three credit bureaus to help me build my credit after sometime. When the year is up and I have paid the account off the credit company supposedly Claim they would send the balance that I have paid into for the year, they would send it back in a check. Anyway I decided to pay the account in full even before the time period ran out. After I paid in full they closed my account immediately to keep the deposit of almost XXXX and claimed I had XXXX late payments which was untrue I always used the same payment method each time and the kindly took my money over and over. They closed my account immediately so that would be it would not have to pay me anything. this is a scam what can I do Im a XXXX XXXX trying to get on my feet from an apartment fire. please help. The Company is Called XXXX XXXX they need to be stopped, this is damaging to my credit all while I was trying to build my credit.
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX
Consumer complaint received 2023-05-30
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. (NY)

I am writing a complaint to address a critical matter regarding an account that has been inaccurately reported on my credit history. It is imperative that prompt action is taken to close the account and remove it from my credit reporting, along with any negative information reported after the closure date of XX/XX/2015. 

I want to emphasize that this account has been inaccurately and illegally reported as " current '' despite being closed on XX/XX/2015. The account 's payment history and remarks contain multiple instances of incorrect and misleading information. Such reporting not only fails to comply with the requirements outlined by the Fair Credit Reporting Act ( FCRA ), but it also grossly misrepresents the true status of the account. 

Given the age of the account and the fact that it was current when it was closed down, it is imperative that this matter be promptly rectified. I hereby demand the immediate closure and removal of this account from my credit reporting without delay. This action is crucial to ensuring compliance with FCRA requirements and maintaining the accuracy and integrity of my credit history. 

I anticipate your urgent attention to this matter. Please take immediate action to close and remove this account from my credit reporting. I expect written confirmation once this action has been completed to ensure its swift resolution. 

Thank you for your prompt attention and cooperation in resolving this matter satisfactorily. I trust that you will act swiftly and responsibly to address this issue in accordance with the requirements of the FCRA.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I am currently reviewing my Equifax Credit Report and I would like to have my new address and telephone number added to my credit report. 
Below is the address and telephone number that I would like to have added to my Equifax Credit Report : Address : XXXX XXXX XXXX XXXX, XXXX, NY. XXXX Telephone Number : ( XXXX ) XXXX
Consumer complaint received 2023-05-30
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} ; XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (TX)

I was also a victim of Identity Fraud I didn't not know this account was on my report and when I challenged the debt the company provided ELECTRONIC SIGNATURES that was not made by me they also did not update my credit report stating the account was under dispute within 30 days Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/2020. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
Also this company is reporting the account under multiple Business names Perfection Collection and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (MI)

Yes I've been complaining and filing a dispute with chime banking against ring yearly plan, ever since XXXX of this year. I've contacted the chime dispute team multiple times on the phone and through emails about this dispute, in the past chime for the most part will honor any unauthorized transactions. but this particular transaction for {$39.00} they refused to believe that this is unauthorized transactions. they keep asking me to provide them information that I can't give them, because I have no dealings with this merchant! money was taken out of my account after midnight, without my permission I do not have a contract with ring yearly plan. there's still companies trying to take money out of my account after midnight and I've been asking Banks and other institutions to put blocks on these merchants. I'm also disputing with chime pertaining to {$100.00} that was taken out of my account from XXXXXXXX XXXX XXXX XXXX which happened XXXX XXXX XXXX XXXX. I need that money redeposit it back into my account that company is located in XXXX XXXX  I contacted Chim immediately when I found out this happened but now they claim they don't see it nowhere in the system meaning whoever I spoke with didn't file my dispute against XXXX t gas station so this will probably be a later complaint that I will file if this money is not honored into my account but for right now I like for your assistance for trying to put the {$39.00} back into my account like I've been asking them to since XXXX of this year. XXXX t gas station, off of XXXX and XXXX XXXX. my contact number is XXXX, if anyone need to contact me. but, yes, I would like to file a complaint against chime banking for not honoring my request for this unauthorized transactions from ring yearly plan in the amount of {$39.00}.
Consumer complaint received 2023-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (NV)

I am writing to file a complaint against Wells Fargo for denying my loan application despite having been a loyal customer of the bank for eight years. I applied for a loan to consolidate my credit card debt and help me get through a job transition, but my application was denied because my debt-to-income ratio was considered too high. 

I have a credit score of XXXX, XXXX and XXXX which is not poor, and my main source of debt is my student loans amounting to {$60000.00}. However, I am party to a class action lawsuit that resulted in the full discharge of my student loan debt. Although the process has not yet been completed, Wells Fargo did not consider this information in my loan application, stating that they would only consider current information on my credit report. This is unfair and unjust. 

The denial of my loan application has put me in a very difficult financial situation as I will not be able to pay my bills. Furthermore, this decision will have a negative impact on my credit score. Making it even harder to find a loan and preventing me from having the capital I need to start making more income. 

I believe that Wells Fargo 's actions are in violation of the Fair Credit Reporting Act, which requires lenders to provide accurate and fair credit reports, and investigate and correct any errors on credit reports. In my case, Wells Fargo 's failure to consider my impending student loan discharge is a clear violation of this act. Wells had approved me 2 months prior when I checked my rate i did not proceed because inwas just exploring my options at the time as ineas anticipating the transition. nothing changed between the first and second application. I even went to the bank and tried to get a loan with the representative, bringing the necessary evidence to demonstrate the student loan debt would be clear. I also have a recorded call with a representative who told me the only information Wells Fargo considers is what is currently showing on my credit report. I was supposed to get a call back and never did. 

Moreover, the Equal Credit Opportunity Act prohibits lenders from discriminating based on race, religion, national origin, sex, marital status, or age. I have not experienced discrimination based on any of these factors, but the failure of Wells Fargo to consider my impending student loan discharge could be interpreted as a form of discrimination against my financial status. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Wells Fargo. I believe that I deserve fair treatment and the opportunity to improve my financial situation without any discrimination. I now don't even know what I am going to do because i am a single parent. I recieve no child supoort and i have no family or friends I can go-to for money. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Consumer complaint received 2021-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC XXXX XXXX XXXX WAS CONTACTED XX/XX/2020 BY EMAIL IN REGARDS TO A FRAUDULENT ACCOUNT THAT POPPED UP RECENTLY ON MY CREDIT FILES. I SPOKE TO THEIR REPRESENTATIVE NAMED XXXX XXXX AND STATED THIS ACCOUNT DOES NOT BELONG TO ME. XXXX STATED THEY COULD NOT LOCATE THE ACCOUNT SO PLEASE PROVIDE MORE INFORMATION. I SUBMITTED THE INFORMATION REQUESTED AND SCREENSHOTS OF THE ACCOUNT ON MY CREDIT FILES BY EMAIL. I SUBMITTED MY FTC REPORT TO LVNV FUNDING / XXXX XXXX XX/XX/2020 IN REGARDS TO THIS FRAUDULENT ACCOUNT BUT NO CALL OR EMAIL. I AM REQUESTING THIS TO BE REMOVED FROM MY CREDIT FILES AS IT IS AFFECTING ME AND MY FAMILIES LIFE.
Consumer complaint received 2019-10-13
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: Experian Information Solutions Inc. (ND)

The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : Equifax Mortgage Services, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, XX/XX/XXXX.
Consumer complaint received 2022-11-22
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: BMW Financial Services NA, LLC (GA)

I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance. also Unfair, Deceptive and Abusive Acts, These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

I hereby Demand! That you BMW cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; These listed Violations are based on breach of fiduciary duties UDAAPs TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts.

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Consumer complaint received 2023-05-30
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 am requesting that you will reinvestigate the incorrect accounts on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (CA)

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 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 An 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