davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I sent Equifax letters with a credit repair bureau. It included all my information in order to correct any discrepancies. To this day I still can not see my credit report for equifax. It hasnt been updated since XX/XX/2022. They insist they havent received my information even though there is proof that they had gotten it.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc. (MD)

My loan was transferred to Valon Mortgage from XXXX XXXX XXXX on XXXX. I contacted Valon on XXXX because I was unable to access my new account online. This access issue was due to me being in an active XXXX XXXX  Bankruptcy so I understood and accepted that. I was able to reach someone and they told me I would have to make payments over the phone or through the mail and that I needed and authorization signed by my attorney. My attorney sent that over on XXXX. I received a call from the original rep I spoke with on XXXXXXXX  He advised that they had the authorization and he could process my payment. I made that payment over the phone with him. The XXXX payment. The ONLY payment that was due. They drafted 2 payments, over {$3000.00} from my account that day. I only discovered it when I overdrafted on XXXXXXXX I have sent emails and left messages all day today. None have been replied to. I was able to reach someone who said they would send back the overpayment in 2-3 business days. IT DIDNT TAKE THAT LONG FOR THEM TO GET MY MONEY. I asked for it to be wired. He said a wire would take that long. I took the time to educate him that a domestic wire transfer in the US is guaranteed same day. Are they not in the US? This has been a HORRIFIC way to start a business relationship. I want my money back today. I need it back today. I gave permission for one payment of XXXX to be deducted from my account and they took double. Where I come from that is called stealing and nobody seems to care how their theft is impacting my life. I wish we could opt out of servicing transfers. XXXX was amazing... ..valon is a total trainwreck full of thieves and liars from what I've experienced and its only the first week .....
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (IL)

I received an email stating : Thanks for requesting a new credit card! 
We'll review your Chase Sapphire XXXX credit card application and be in touch soon. 

Problem is I never requested the card. The request is fraudulent in nature as it was not sanctioned
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I rented an apartment at XXXX XXXX till XX/XX/XXXX. Before I left the premises I asked the manager of the property at that time how much I owned, because I left before the end of the month, and she informed ( her name was XXXX ) and she informed the amount of {$420.00}, which I paid by the date I left the property, XX/XX/XXXX. Now I receiving a collection from XXXX, which I tried to contact, but all persons contacted there were unprofessional and rude, they didn't want to list my reason, they just want to collect the money the that they say I need to pay. So I just want to be free of that collection. I know when I left XXXX XXXX several tenants were complaining of the management. The apartment where I lived I had a break in and the management didn't nothing to improve the security of the premises.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Consumer Adjustment Company Incorporated (CA)

On XX/XX/XXXX, I sent Consumer Adjustment Company a certified letter requesting Debt Validation. It has been 1 month, and 3 weeks and I have not received any response from this company. Under the FDCPA Practices Act, I have a right to request validation of the debt they say I owe. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter on XX/XX/XXXX, and the disputes with the XXXX credit bureaus over this collection came back as verified. This is clearly a violation and the FCRA, requires you to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. Please see debt validation letter and certified return receipt.
Consumer complaint received 2023-06-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (CO)

Supposed to close on the XXXX but the company keeps coming up with meeting one more document. Send the documents in immediately now cant get anything any communication from them they made the closing on the second now cant get any return calls emails nothing Have made several purchases for the new house supposed to be all delivered and we havent closed yet
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (TN)

XXXX, is reporting my account for the month of XXXX, 2019 90 days late on my XXXX, consumer report and a 120 days late for the same time on my Equifax, XXXX consumer report. This error is causing the student loan accounts to report negative.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, is reporting my account for the month of XXXXXXXX XXXX 90 days late on my Transunion, consumer report and a 120 days late for the same time on my XXXX, XXXX consumer report. This error is causing the student loan accounts to report negative.
Consumer complaint received 2022-12-05
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. (PA)

My name 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 by the FTC 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.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Throughout my history with this account, I've consistently made sure payments are on time, avoiding any instances of overdue payments. However, I'm uncertain why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-10-06
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. (CA)

The last few months I became a member with XXXX XXXX. Recently I received several emails stating Im a excellent match for some credit cards. I applied for two cards. One with XXXX XXXX and the other one XXXX XXXX. I was denied. Upon contacting both credit card institutions I was told XXXX XXXX reports fraudulent information to its customers logging in to keep their numbers up. I have supporting conversations between XXXX XXXX and myself with apologies for reporting fraudulent information to there consumers.
Consumer complaint received 2023-10-27
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (GA)

Us Auto and Financing closed down. A month later I started receiving emails stating Westlake is where i need to pay. they sent me a letter stating that i can file dispute on the total amount of my car because it was not the right amount due to us auto. I SENT THE LETTER BACK I DIDNT HEAR ANY THING FOR XXXX MONTHS. I GET XXXX XXXX STATING THAT I OWE {$50.00}. I get another email stating i owe {$1000.00}. I called Westlake portfolio. I explained how I sent the dispute letter in. The representatives told me to wait until the processing was over and he didn't know how long it can take. i asked was my car going to get reprocess he stated to me no. 1 month goes by and my car is reprocessed. they are stating i pay {$2000.00} to get m car back. They agreed to letting me pay / {$1000.00}. ii still haven't gotten my car back!
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (FL)

AR resources debt collectors trying to get money from patient when insurance say we are not responsible for payment to Dr or collection agency in the amount of XXXX, insurance has contacted Dr and collection agency but still shows up on XXXX credit report. Have documentation to support that we have no responsibility to Dr or collections. We paid our copay in full at time of service. Emergency room visit. This was an emergency room visit and our obligation is a flat XXXX copay per our insurance policy which was paid in full by patient.
Consumer complaint received 2023-05-11
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. (UT)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
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: Experian Information Solutions Inc. (IL)

I have noticed several fraudulent accounts being furnished on my credit report for the month of XXXX. I am really frustrated after finding out about this situation as I couldnt believe that someone could have access to my credit profile without my knowledge and used my identity for their own advantage. Please take these fraudulent items off of my record as soon as possible. 

I have already created an Identity Report for my own protection as I dont want my name to be put in shame due to these deceptive items found on my files that I have no knowledge of. Please see the following fake accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a bunch of unauthorized charges on my account that were disputed almost 2 years ago. The bank must have closed out the claims without doing an investigation because they reopened it on their own. It was ordered by a judge that they reopen our claims that they closed without investigation and that if they couldn't resolve the claims within 10 days that they issue a provisional credit. For some reason I still have not received that provisional credit and the bank is claiming that the " credits are granted at the liberty of the back office '' which is crazy considering it's literally the law that if they can not resolve the claims they're legally obligated to grant the credits. I've been waiting over a year for them to resolve the claims and I've had to create another claim which also has not been granted a provisional credit or resolved. I'm out over XXXX dollars I have nothing my bank account balance is literally {$0.00} and they have " filed multiple complaints '' on my behalf to the back office, scheduled me for multiple call backs that I never received and still no resolution so I'm just out of the money that was stolen from me and they are above the judges orders I suppose. I'm not sure what I'm supposed to do at this point but I have spoken with everybody I could at that bank and nobody has answers for me other than we just have to wait for them to finish the investigation which is still going on a year later. Please help
Consumer complaint received 2018-05-04
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: WELLS FARGO & COMPANY (TX)

I have lodged disputes with XXXX and Wells Fargo with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law.  Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, and followed up in XX/XX/XXXX.
Consumer complaint received 2023-06-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (GA)

American Express keeps trying to contact me all hours of the day mostly very early XXXX. It upsets me because they use numbers to where I have close family or friends or where my kids are in college and it scares me and I answer and there is always a delayed response which scares me to find out it is them. Why don't they have to call on XXXX # and it identifies the company name? Should be mandatory!
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. 
My only and correct social security number is XXXX. 
My only correct address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX. 
My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. 
Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. 
Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. Thank you.
Consumer complaint received 2023-10-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rosebud Economic Development Corporation (CA)

XXXX XXXX XXXX XXXX has been attempting to collect on a debt on behalf of My Quick Wallet after the principal was paid and has also made several FDCPA violations when attempting to collect on the claimed debt that is owed. Failure to cite the mini XXXX, failure to state that I was on a recorded line after pulling up personal information, and threatening to have a judgment entered against me when I haven't received validation of the debt, and an action hasn't been filed against me. I have never received a notice of intent to sue or any other notice prior to being told that a judgment would be entered against me. 

When I attempted to request a cease & desist, and verification of the debt, after being threatened of a pending judgment against me, the collector hung up on me.
Consumer complaint received 2022-08-13
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. (FL)

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 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 instruction. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.