davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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. (WI)

Hi, Experian is still reporting fraud on my report & I AM A VICTIM OF ID. THEFT, NOT ALLEGEDLY! & I appreciate Experian 's support in helping with this serious matter! Experian is violating the law & my rights, by still reporting fraud accounts : XXXX acct. {$2200.00} XXXX XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00} These companies are not following the law & not providing true proof of validations, No wet signature, their records only prove a hacker used all my personal info. to open & maintain these accounts. I'm sick of this disaster & causing me & my family stress. I asked them to immediately remove these fraud accounts. XXXX XXXX XXXX XXXX are following the law & already removed these fraud accts. & I can prove this. By law all reporting agencies must report the same, complete & accurate information & Experian is breaking the law. Thank You ( also Im including pics of Dark Web surveillance of hackers open fraud accounts or attempting ) & Pics of the removal of the LandMark accounts aren't on XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-19
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)

Fraudulent Accounts have been attributed to my file that were opened by a thief and not me. 
XX/XX/XXXX {$6500.00} XXXX XX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$25000.00} XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

To Whom It May Concern : Good afternoon. There are 2 accounts, Bank of America and XXXX, that are listed on my credit report that I have never done business with and are fraud. Furthermore, when XXXX XXXX lowered my limits it made me look into my credit report to find these 2 accounts and other inaccuracies within my report. My company, XXXX, alerted me my personal info was compromised which included my SSN, DOB, ADDRESS, W2/TAX INFO, RELATIVES, etc. This is extremely concerning as my payment history and credit score is very important to me.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

Informed Barclays Card that I no longer wanted to pay an annual fee for my Frontier XXXX. They agreed to eliminate the annual fee. They are still charging the fee. Barclay card has been notified several times and still charges.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (CO)

In accordance with The Fair Credit Reporting act. The list of accounts below has violated by 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 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 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 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 : States a consumer reporting agency can not furnish an 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 conviction 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

This is my second request to delete my fraud alerts and extended fraud alerts XXXX # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was trying to buy a vehicle but i was unable to due to the damages on my credit report according to the 15 U.S.C 1681 law there should not be damages on my report that is a defamation of my character.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of Identity Theft ; someone has stolen my information and opened several accounts. I have had no knowledge of these accounts. I have requested validation, made pursuant to the Fair Debt Collection Practices Act which is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligations to pay these accounts and have received no response. It is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if this debt can not be validated it must be requested that all credit report agencies delete the entry.
Consumer complaint received 2023-05-19
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. (OH)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as a consumer : XXXX XXXX DATE:XXXX AMOUNT {$3600.00} XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT {$920.00} XXXX XXXX DATE : XX/XX/XXXX AMOUNT XXXX OHIO DEPARTMENT OF HUMAN SERVICES DATE : XX/XX/XXXX {$11000.00}
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (TX)

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 U S DEPT OF EDXXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2015-12-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I am lodging a complaint against Wells Fargo. I have tried to modify my loan with them for about three years. I never get follow up I 'm always playing phone tag and they are not helpful at all. This past Sumer they offered a workshop in XXXX NJ, At that time I met with an under writer and they told me they where going to get me into a better mortgage with a traditional loan and a lower interest rate. I was so excited and felt they where really going to help. My trial period began in XXXX but the payment went from XXXX to XXXX. 
I was shocked. They told me it was to get me caught up. A new payment amount will be lower when the trail period ends. To my shock, the new payment only when down XXXXDollars??? Now when trying to get answers there was little information they could offer. 
I stated to them they have to reduce my interest rate in order to get me an affordable payment. I stated I was contacting the CFPB and boy did their ears perk up! 
This was on XXXX/XXXX/15 that I received my new modification and also on XXXX I called them. 
Later that evening a received a call from a customer service rep. concerned about the conversation I had earlier that day. He told me he would get back to me within 5 business days. That never happened!! My paper work from the modification stated that they needthe modification signed and returned within XXXX business days or it could go null and void. 
On XXXX I left XXXX messages XXXX with XXXX XXXX my specialist and with XXXX XXXX XXXX from customer service. I never heard back. Knowing I had a dead line XXXX/XXXX/15. I sighed the modification and mailed it off. Today, XXXX/XXXX/15 I receive a phone call from XXXX. He started the conversation off my saying he had information regarding my loan. I though maybe he worked out a lower interest rate with the underwriter but during the phone call hestopped himself, as if he was reading something, and stated he JUST noticed I returned themodification paperwork and by signing and returning it that must mean I agree to the terms. 
I explained to him I had a deadline and was afraid that the modification would be voided. 
I stated I 'm not happy with my new terms. He got real squarely!!! 

I have been miss lead and miss treated be this bank. They think they helped me myreducing my interest rate from a XXXX to a XXXX rate. Really, that 's all they could do. I think they are really playing games. A friend told me about CFPB and said it was established to help consumers when they feel trapped and no where else to turn. I am going to hopefully be in this house for a long time and would like to pay a more reasonable payment. Being on permanent XXXX hinders our financial situation. I came down with XXXX and our medical bills are through the roof. Along with raising XXXX young children in this difficult financial time, we could use all the help we can.
Consumer complaint received 2023-04-17
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. (CA)

On XXXX call on their recorded line was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. 
They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. 

I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the Judge. Protection under 303 BK code.

two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXX XXXX  XXXX involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. 

XXXX : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. 

I am seeking prosecution or removal.
Consumer complaint received 2017-01-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Trying to get loan modification for lower rates to no avail. I keep sending same info, they keep asking for. I tried to make payment until loan approved but they do n't allow that. This puts me in the foreclsure process instead of helping. I 'm currently at 7 % when other places are half that rate
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (IL)

I noticed unauthorized accounts on my consumer report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act Convergent accounts : ( XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-05-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It is mandatory that consumer reporting agein a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this XXXXNACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX
Consumer complaint received 2017-04-09
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Allen Tate Mortgage Services (NC)

Earlier this year, I was pre-approved for a USDA home loan through Allen Tate Mortgage. After providing verification of income, college transcripts, identification records, tax forms, etc. I went under contract on a home and began the process of paying for due diligence and home appraisal. I was then informed about two weeks before my closing date that my loan had been declined ( after paying out close to {$900.00} ). My income, credit score, and other factors all met guidelines for this loan.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Today XX/XX/24 at XXXXXXXX XXXX  I received an email from Capital One stating that another number had been updated on my profile. I have never opened an account with Capital One so this was news to me. at XXXX I also received an email from XXXX XXXX saying there was a hard pull on my credit report by Capital One. At XXXX another email from Capital One came in stating my account details including a XXXX $ credit limit for a new Savor One Card. At XXXX another email from Capital one came in sayin thank you for going paperless for the account ending in XXXX, I called Capital one and was transferred to the fraud department where they were able to verify my name/ address/ date of birth/ SS info/. They said the name on the account and address did not match my own. They did share the last name it was opened under but not the address. I had them close the account and flagged it for fraud since I was not the one who opened this account. They told me to file a police report and contact my other banks with this information.
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

RE : Information Request Mortgage Loan Number : XXXX My loan is Serviced by Select Portfolio Servicing. 

I have been doing much research on the The XXXX XXXX held XXXX XXXX XXXXXXXX XXXX XXXX Mortgage Backed Notes that I am told my mortgage is entrusted to. I can not seem to find any information on this Trust past XXXX. 
I have spoken with XXXX XXXX, Vice President l Team Leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he was unable to answer my enquiry other than telling me I should talk with someone at XXXX XXXX, who he says in managing the Trust. 
I have had no success in tracking down any information through XXXX XXXX on this Trust through many attempts made. 
I have also made a request to Select Portfolio Servicing to supply me with the latest financial report for the The XXXX Bank held XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes and so far have been denied. 
So now I am dealing with 3 entities to find out information on my one Mortgage note that seems to be lost in oblivion. Two of these entities have been charged and found guilty as well as paying out settlements for various fraud involving mortgage trusts as well as banking fraud. That being XXXX XXXX and XXXX XXXX. This worries me. 
What also worries me is that Select Portfolio Servicing, who services my mortgage for XXXX XXXX, is also involved in many lawsuits as far as collection issues and fraud. Even the bank that owns Select Portfolio Servicing has just been recently hit with a 5.28 Billion Dollar settlement for its hand in mortgage securities fraud. This should worry everyone involved with these financial entities. 
So out of concern for my finances I simply ask Show me the end of XXXX financial report for the XXXX XXXX XXXX XXXX XXXX. To me right now all its just a name youre throwing out there. Show me something real about it, show me it exists as of XX/XX/XXXX. 
I have a pending payment plan with Select Portfolio Servicing. I have until XX/XX/XXXX to get all my information into them for approval of said Payment plan. I have been threatened with Foreclosure multiple times and am just looking for a piece of mind to know exactly where my money is going. 
Unfortunately, I am stuck dealing with Banks and Collection companies, whatever Select Portfolio is, who have been proven to be untrustworthy and have been found guilty of fraud in the past and present time so I need to protect myself and my family and my home. 
If you need to contact me to discuss this request, I can be reached at XXXX Sincerely, XXXX XXXX.
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/2018 I sent a debt validation letter to XXXX XXXX XXXX. They responded saying that the debt has been " verified '' and provided copies of a billing statement. That is not sufficient validation of me owing XXXX XXXX any debt. 

I requested that XXXX  validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They only provided me with a billing statement which does not prove that I am obligated to pay them anything. They have reported delinquent information to all three credit bureaus that I am asking to be deleted.