davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

Jefferson Capital System XX/XX/2022 Referencing acc XXXX Your company placed a collection on my credit report which is in violation of the Privacy Act. You are not suppose to disclose a record contained in a system of records unless the individual to whom the record pertains gives prior written consent to the disclosure. 

You must do a Consumer Investigative Report according to US 15 1681. You will abide by 1006.34 for the Notice for Validation of Debts. Information that you send for validation of this debt is to be conspicuous and clear. Also you must include Statement Required by 1006.34 validating all required information that complies with Consumer Law.

1. ) Debt collectors name and the mailing address at which the debt collector accepts 2. ) Disputes and requests for original-creditor information.

3. ) The consumers name and mailing address.

4. ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

5. ) The account number, if any associated with the debt on the itemization date or a truncated version of that number.

6. ) The name of the creditor to him the debt currently is owed.

7. ) The itemization date.

8. ) The amount of the debt on the itemization date.

9. ) An itemization of the current amount of the debt reflecting interest fees, payments and credits since the itemization date.

10. ) The current amount of the debt.

11. ) License to debt collect in the state of Michigan with the valid License information attached to your Report.

You have 30 days upon receiving this letter to respond lawfully. I will not hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and the CFPB. During the time of all collection activity by you must cease and desist. During the validation period, if any action is taken that could be considered detrimental to any of my credit reports, I will consult an attorney and consider legal action.

If your offices fail to respond to this request within 30 days from the date of your receipts, all references to this account must be deleted from my credit file and a copy of such deletion must be sent to me immediately. I formally request that you and your representatives do not contact me by telephone, at my home, email, or my place of employment. If your offices attempt telephone communication with me, including but not limited, computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will instruct my attorney to proceed with legal action. All future communication with me just be in writing and sent to address mentioned in this letter. This letter is an attempt to correct your records and any information obtained should be used for that purpose only.

CC. Federeal Trade Commission Attorney General Consumer Financial Protection Bureau Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit 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: JPMORGAN CHASE & CO. (MI)

Chase credit card has been harassing me daily asking me to pay even tho it was fraud on my account I have been dealing with this for the past 2 months every time I ask for them to reinvestigate some rude XXXX always yells at me saying you did it sir stop wasting are time. And they are charging me so many late fees my credit card ending number is XXXX
Consumer complaint received 2022-11-08
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. (AL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( Equifax ) credit report. My latest credit report shows ( 13 ) credit inquiry/inquiries that I did not authorize. 

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 I have not applied for anything therefore these inquiries shouldnt be on my credit report I havent given anyone permission to run or use my credit its my privacy right according to the FCRA.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-05-16
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. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXXXXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

My XXXX saw a notice about Wells Fargo illegal actions with consumers. 
Loan # XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  houses were underwater and loan modifications were offered to help consumer. 
I was in desperate need and called Wells Fargo XXXX both times were denied with modification even thought I was in a financial position and would qualify. This lead to my losing my home with filing XXXX XXXX XXXXXXXX. 
I am submitting a claim XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$2300.00} XXXX XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired XXXX XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-01-24
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX 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. 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 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Benuck & Rainey, Inc. (NJ)

Original debt was paid - monthly payments. First payment was made on XX/XX/year> for {$96.00} I do not owe {$480.00}- Never have I owed this - nowhere on the statement does it even mention what this money is owed for. 
I have never received anything in the mail written/email/phone that I owe {$480.00}
Consumer complaint received 2022-11-08
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. (NV)

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, Account : XXXX XXXX  XXXX XXXX, Account : XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : 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. 

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 2022-11-08
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. (NV)

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, Account : XXXX XXXX XXXXXXXX XXXX, Account : XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : 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.

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 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my XXXX XXXX account and my credit dropped from XXXX to XXXX and seen someone has been running my name for car lots and credit cards and it isnt me
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY, XXXX SS # XXXX XX/XX/2023 Wells Fargo Escalation Representative XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX T : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Case # XXXX Application # ending in : XXXX RE : Adverse Action Dear XXXX XXXX ( Escalation Representative ) Wells Fargo I, the consumer, and natural person, was denied credit by Wells Fargo when I applied for credit. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Wells Fargo due to response I received. Wells Fargo is in violation of 15 U.S code1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith but credit was not issued. Furthermore, because my social security number ( credit card ) was used and Received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Wells Fargo. 
If Wells Fargo fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Wells Fargo criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also Follow up with an invoice for said violations ( { {$1000.00} } per violation. ) Thank you. 
XXXX : XXXX [ XXXX ] Without Prejudice. All Natural Inalienable Rights Reserved.
Consumer complaint received 2021-06-20
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: Experian Information Solutions Inc. (IL)

On XX/XX/2021 I notice there were inquiries add to my credit report and filed a identity theft report with all 3 credit bureaus asking them to remove the inquiries however I never received a response and its been well over 30 days with no response
Consumer complaint received 2024-01-23
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)

Payment Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. 

In a response to my dispute, XXXX XXXX, Director of Compliance at XXXX, asserted that my loan was reported 30 days late in XX/XX/XXXX. However, this reporting is inconsistent across the XXXX major credit bureaus : XXXX reports a XXXX late payment in XX/XX/XXXX, XXXX reports XXXX XXXX late payment in XX/XX/XXXX, and Equifax reports a XXXX XXXX payment in XX/XX/XXXX. This discrepancy between XXXX 's statement and the credit bureau reports raises serious concerns about the accuracy and validity of their reporting. 

Despite my efforts to rectify this issue, including direct communication with XXXX and the credit bureaus, the erroneous reporting remains uncorrected, adversely affecting my credit score and potential financial opportunities. 

Enclosed are my payment records, the response from XXXX, and credit reports from XXXX, XXXX, and Equifax, evidencing the discrepancies and my attempts at rectification. 

I respectfully request the CFPB 's intervention to investigate this matter thoroughly. I seek the correction of my credit records to accurately reflect my payment history and any other appropriate remedial actions. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to this ongoing issue.
Consumer complaint received 2023-01-24
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. (NJ)

I went to the XXXX  XXXX XXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, XXXX, sXXXX XXXX XXXX XXXX and didnt want to mess up my GPA XXXX He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXXXXXX XXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my debt.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX a hotel refunded {$230.00} to my Wells Fargo credit card. 

On XX/XX/XXXX my statement had a " CREDIT BALANCE REFUND '' for {$230.00}. 

On XX/XX/XXXX I contacted Wells Fargo and they first claimed to have sent me a check. 

I have not received a check so I escalated and was then told that a check has not been sent. 

The {$230.00} is now in limbo and the bank has no idea when a check will be issued. 

I consider this to be theft of funds by Wells Fargo. This bank has a lengthy history of stealing from their customers. I don't want to spend months on the phone arguing with folks that have no control over this theft.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

JPMCB AUTO fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). JPMCB AUTO is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).