davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
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. (MD)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2022-11-01
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. (VA)

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



XXXX  XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-05-15
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. (NV)

Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2022-11-01
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. (VA)

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-05-14
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. (NC)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no-one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Consumer complaint received 2023-05-03
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I called Freedom mortgage today and i was hung up on when i asked why i was being told the mini miranda rights when my account has always been current the rep could not answer put me on hold just to terminate the call. I called again and when i was told that the phone call was going to be recorded i told them that i did not agree to record the phone call and they were quick to tell me that they would terminate the call. i asked for a manager and explained that i was within my rights to not have the phone call recorded. My mortgage was recently transferred over to this company and i do not feel that they are following your protocols or the state protocols. I hate this company already. Please audit them to ensure that they are following and respecting their clients rights.
Consumer complaint received 2021-05-14
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: WELLS FARGO & COMPANY (AR)

I have an account I opened with wells Fargo on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted wells Fargo by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from wells Fargo until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from wells Fargo to this complaint. ) I received an email from Wells Fargo Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that wells fargo did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher wels fargo is required to provide proof to justify this reporting all I received was a canned response.

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so wells Fargo to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights.

I also contacted wells Fargo by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IA)

There is a late payment from XXXX or XXXX of 2019 showing on my credit report from Discover. I was set up for autopay on my account and when logging into the discover app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If discover had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call discover and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.
Consumer complaint received 2023-08-09
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. (CA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2021-05-14
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. (TN)

XXXX and Experian should not be reporting a collection/chargeoff or that I am ( 120 ) days late on the XXXX XXXX XXXX XXXX account XXXX XXXX and XXXX. ( Please see pages attached from my credit report. I have attached a copy of my drivers license and SSN for identification purposes. ) I contacted XXXX XXXX and the representative I spoke with could not verify my name ; address ; phone number ; email or find any account number associated with my name. I requested they contact the credit bureaus and remove these items from my credit report. I was assured they would contact XXXX XXXX Experian and XXXX and have these items removed however, this has yet to happen. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff and lates is seriously harming my credit score and these line items need to be removed. I have also contacted the bureaus to remove these items but have not been successful.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$8100.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-14
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: ENCORE CAPITAL GROUP INC. (SC)

This particular debt collection agency XXXX MIDLAND CREDIT MANAGEMENT ) is reporting fraudulent information to the credit bureaus. I have asked for particular documents relating to the fraudulent account. The following information I've asked for and never received are as follows : 1 ) THE ORIGINAL CONTRACT 2 ) THE PAY OFF DISCLOSURE 3 ) THE INTEREST RATE DISCLOSURE 4 ) THE BALANCE HISTORY 5 ) THE PAYMENT HISTORY 6 ) THE CREDIT INSURANCE 7 ) MY WET SIGNATURE I have contacted the agency twice. The first time I was told that the information was mailed out, but it was sent to an address that I've never lived ( fraudulent address ) .So I gave the agency my actual address and noted that the account on file is fraudulent. They said they were going to do an investigation and they would also send the documents that I requested. They mailed me the investigation results, but NO DOCUMENTS. The second time I called, I asked for the documents again. The agency said they would mail out the documents, and that it would take 7-10 days for me to receive them. It has been over 30 days during this process and I still haven't received what I have asked for.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2022-11-01
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: Bread Financial Holdings, Inc. (IL)

Thank you XXXX XXXX Customer Advocacy, For finally acknowledging that my last payment to XXXX was on XX/XX/2019 in the amount of {$43.00} you stated in your response letter that you are unwhiling to make any changes to my account with the credit bureaus and you are reporting accurate information in accordance with the law! At this time I am NOT asking XXXX to correct anything with the Credit Bureau I am only wanting information on what laws and or procedure your company has operated under that XXXX has been able to make these changes to my account without my permission. Resulting in falsely manipulating the statute of limitation. 
As you stated in your response letter my last payment was XX/XX/2019 making XX/XX/2019 the first month of delinquency. Now you stated do to return mail is the reason XXXX updated my account to paid as agreed going back from XX/XX/2019 until you reported the account 30 day again how/why? even after you sold the account XXXX reported 15 more paid as agreed payment! Again you stated ( Due to returned mail, the account was previously updated and brought current. ) please explain in detail this procedure XXXX initiated without my knowledge or consent so I may follow up in accordance with the law. ( Due to returned mail, the account was previously updated and brought current. ) how/why does return mail changes the payment history on account from being late never paid to paid how?
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (PA)

my wallet was stolen from my car which included my personal ID social security card and a ton of other important items. i now have a closed account on my credit report that i am not responsible for. date card was open was XX/XX/19. please remove from my credit report i am not responsible for that card and its holding my score back.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

This involves Paypal. They are insistant I have an account with them and I DO NOT. They will not leave me alone, keep sending me documents that I have no idea what they are. Please, I want them to leave me alone and investigate themselves as I feel someone has used my information for their purpose. I do not have an account or account number for them.
Consumer complaint received 2021-05-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (FL)

To whom it may concern, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX act is to ensure & protect the privacy of patients medical healthcare data. Also. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I have never given XXXX XXXX any written consent to report anything on my consumer report, no consent is identity theft. I have attached a copy of the law with this dispute message. Concerning the account listed below as a consumer I'm demanding a deletion of this account. I am also demanding compensation for violations of committing fraud, XXXX XXXX, FCRA, FDCPA, and for damages. I am demanding that this account is removed in less than XXXX hours please mail checks to the address listed. I am allowing XXXX calendar days for the check to be mailed out from the date this is received. The amount that I am requisition is a total and sum of {$3000.00} TWICE WHICH IS A TOTAL OF {$6000.00}. 15 USC 1640. 15 USC 1611. that is from XXXX XXXX XXXX. I am willing to settle this out of court for the exact amount of debtor collection agency. I will only allow XXXX calendar days for the check to mailed to my residence. I am not serving you but making it clear that this is an intent to sue. This is my final warning. 
XXXX XXXX XXXX
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (CO)

I wrote to you about Midland Credit and instead of making a written payment plan or agreeing to my previous letter. They responded by stating to call. I now have called 4 times. The last time I was on hold for nearly an hour with no one answering and each time I have called I have been on hold for 30 minutes or longer. I need help getting this company to comply by sending me a letter of resolution with a payment plan on both accounts or the agreement that I sent them in writing. Is there another agency that this can be elevated to. The behavior is deceptive by asking me to call and no one answering all week. Please let me know my options.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TransferWise Ltd (MD)

I completed a transaction through Transfer Wise using a credit card. Transfer Wise charged a fee to use the credit card however, they failed to disclose that the transaction would be considered a " cash withdrawal '' by my credit card company and therefore subject to fees other than a regular consumer purchase transaction. My credit card company, XXXX XXXX, charged a flat fee of {$20.00} for the {$160.00} Transfer Wise transaction, plus a minimum interest fee that applies for just the cash portion for two months in a row at a near 30 % interest rate. So in addition to the Transfer Wise fee, with the credit card cash fee plus two months of mandatory interest ( despite the fact that I pay off my credit card in full every two weeks ), I was charged over $ 30 % for the Transfer Wise amount of {$160.00}. Consumers need to be aware ahead of time so that they are informed of the potential consequences of using a credit card for these transactions. Transfer Wise, and other similar companies, should be required to warn consumers that transactions using a credit card are considered " cash withdrawals '' and subject to fees as appropriated by credit card companies when making a cash withdrawal. Also, that cash withdrawals may be subject to higher interest fees and high withdrawal charges for the transaction. 

I was unsuccessful to have the charges reversed by my credit card company. I wrote to Transfer Wise to let them know that they should be informing consumers of these issues but did not receive a response. This is where your organization can be of help to consumers, by intervening and requiring the organizations to provide full disclosure regarding fees for these transactions. The companies are otherwise taking advantage of consumers charging outrageous fees and interest for very little amounts of money.