davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Law Offices of Les Zieve (CA)

My name is  XXXX   XXXX   XXXX , I am translating on behalf of  XXXX   XXXX   XXXX , who is the borrower on this mortgage.     Mr.  XXXX , does not speak any  XXXX  and hired a company by the name of  XXXX   XXXX , who was supposedly helping him on a resolution for his mortgage. This company was basically working also as a translator to all lender 's documents sent to his address.     The lender, unbeknownst to Mr.  XXXX , sold the property to a third party on   XXXX   XXXX   XXXX   MR.  XXXX  was told that the sale was postponed. He was trying to modify, but apparently the Lender and  XXXX   XXXX , were aware that Mr.  XXXX  had about {$150000.00}  Dollars  equity and foreclosed on him.     Mr.  XXXX , feels he was defrauded by both Lender by not notifying him IN SPANISH THE FORECLOSURE PROCEEDINGS. Mr.  XXXX  has not idea of the process, nor he agrees losing {$150000.00} dollars of his equity on this unknown process to him.     Mr  XXXX  also feels that the  XXXX   XXXX   XXXX  knew there was equity on his house and instead of proceeding with the Loan MOdification, they were trying to do a SHort Sale and buy the house for themselves.     Mr  XXXX  will file a lawsuit against the lender, but is asking, actually begging your office to contact the lender on his behalf and STOP THE PERFECTING OF THE FORECLOSURE SALE.      XXXX   XXXX  feels that if he knew the  XXXX  was not processing his modification, he should have been notified in  XXXX . He would have never allowed the lender to foreclose SPECIALLY HAVING {$150000.00} OF EQUITY.     The lender trustee is Law Offices of Les Zieve,  XXXX  Corporate Park  XXXX   XXXX   XXXX , CA  XXXX  Phone : (  XXXX  )  XXXX  TS number :  XXXX  Please contact us at  XXXX  at your earliest convenience.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  and  Transunion  are reporting tax liens on my credit report the liens are incorrect and I have no outstanding liability or overdue taxes with the state of Georgia.TYPE Tax lien COURT NUMBER  XXXX  CASE NUMBER  XXXX  DATE FILED  XXXX ,   XXXX   AMOUNT {$1900.00} PLAINTIFF  XXXX  ACCOUNT HOLDER Individual COURT NUMBER  XXXX  CASE NUMBER  XXXX  DATE FILED  XXXX ,  XXXX  AMOUNT {$4500.00}
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

Last year I had sold a gaming console to someone from XXXX XXXX who made a new fraudulent and then paid me through Venmo. After which they did a charge back on that credit card. Venmo then sided with that invidual who has a fake account and used a fake identity to do this to scam me out of {$750.00}. Venmo took that funds from my account, sent it to the other person, and then froze my account without much investigation or thought. This happened on XX/XX/XXXX of XXXX. I tried many times to call Venmo and reach out to their support without much avail. The person 's Venmo name and their real name dont add up. If you go into that person 's account you can see that they have no history or friends, nor is their identity verified. 

I had my account since Venmo first came around and I have over XXXX friends on there and my identity is verified. 

I've been a customer of Venmo for a very long time. My account is verified I have had many transactions on there over the course of the last decade or so.
Consumer complaint received 2023-07-07
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. (MN)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (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, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/ I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00}. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$520.00}. XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}XXXX XXXX XXXX XXXX XXXX {$55000.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$8700.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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. (MD)

I mailed letters to XXXX, Equifax, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed items were furnished and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information and contacted XXXX XXXX XXXX listed on my credit reports and was informed that this information was never supplied to any consumer reporting agencies.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-05
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. (TX)

XXXX! 

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and 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 2023-07-07
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. (TX)

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 ( USC 1681. 

Account name : XXXX XXXX, Account name : DPT ED/ XXXX XXXX 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 stat s 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 a handy if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Works & Lentz of Tulsa, Inc. (OK)

On  X/X/XXXX  I started paying  Works and Lentz  {$75.00} a month a total of {$3000.00} as of this day after being threatened to sue on first notice of this debt, threatened over the phone that if I did not pay at least this amount every month that they would have to proceed through legal actions. I never received a bill from the hospital. I had no acknowledgemention of this debt. I did however receive other bills from the hospital (   XXXX   XXXX   XXXX   XXXX   XXXX   etc. ) Which were all paid for. I was caught completely off guard when Works and  Lentz first c ontacted me and because of the manner of which they decided to address themselves I was to scared to question or do anything about it and did not know I could do anything about it. I have asked Account manager  XXXX   XXXX  from m Works and Lentz t o send me verification of this debt and account summary 3 times and have never received. The amount of this debt is currently {$11000.00} it started at {$14000.00}  Works and Lentz f irst received our account on  X/XX/XXXX . After already paying thousands to the hospital for the other bills and never even hearing about this one I was very upset that the hospital never even gave me a chance to try to pay this bill by never sending me anything about it and now this bill has hurt my  cr  edit score  significantly. Works and Lentz  reported to the credit bureau   XXXX   before even contacting me. The amount reported was {$13000.00}. {$1300.00} less then what they say I owe.
Consumer complaint received 2022-11-28
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. (NC)

My name XXXX 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 2023-07-07
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. (TN)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number:XXXX
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

on XXXX XXXX XXXX, XXXX  I contacted the following credit Bureaus EXPERIAN, XXXX, AND XXXX, I filed several disputes, it has been over 30 days and I have received no answers to my disputes, pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES, once a consumer has filed a dispute the credit bureaus have 30 days to respond, they have not done so this is a violation.
Consumer complaint received 2023-07-07
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. (AR)

This is my several request in filing a case against the 2 Credit Bureaus for violation of the Fair Credit Reporting Act or FCRA Section 605b. These credit bureaus have engaged in unfair and deceptive practices by providing inaccurate and misleading information, therby, it was subjecting me to harassment. I demand an immediate deletion of these violations compensation for the damages caused and affecting my credit score, with this, I am asking for your assistance to delete these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (IL)

Phoenix Financial Services ... They claim I owe a debt of {$2100.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the supposed creditor. I do not owe this money never even heard of them. They issued me a statement on XX/XX/XXXX. I have talked to them when I tell them I didn't owe the debt or to explain what the debt is from they hang up on me.
Consumer complaint received 2017-05-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I just need  3 mo re days in order to pay in full. I have a sells closing date of  XXXX / XXXX /  XXXX   and  Wells Fargo i s trying to auction my home today.     My daughter 's boyfriend/fiance has financed my home ...      Wells Fargo w ill be paid in full ... every single penny owed ...     I spoke with     XXXX   XXXX     at  Wells Fargo  and I faxed her all the documents she said she asked ...     I also did everything that their attorneys at      XXXX   XXXX   XXXX      asked ... I spoke to  XXXX  ...     My mother had a reverse mortgage and I could n't get approved ... I tried, but I do n't make enough ...     I just need until  XXXX / XXXX /  XXXX   to close and they will be paid in full that same day ...     Please I 'm not working and I 'm too young for retirement ...
Consumer complaint received 2023-02-06
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. (MI)

It is fraudulent items and addresses also items that are reported inaccuratly on my credit report. I have tried to rectify this with the credit bureaus to no avail. it is addresses that has not been removed and inaccurate. and accounts and they are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (OK)

I requested a loan for {$1000.00} from mobiloans My payments are all similar. Auto draft of {$150.00} and {$45.00} applied to loan balance {$100.00} applied to advance/fees. So the two payments equivalent to {$300.00} that come out each each month only {$90.00} of that goes to my account balance. I have a few times had to request funds because I did n't realize it would be twice a month but was sure I had gotten myself in a mess and would just have to keep trying to get through it until I got it paid off. I went through all of my statements and I have paid {$4700.00} to them since XXXX2015. My total fees charged total in {$2400.00} and my current balance is {$1000.00} with a payment due of {$260.00} and {$170.00} of that is fees. I feel this debt has been more than enough taken care of. I was advised by several people to close my bank account and try to find relief of this debt. I do n't feel I owe this company anymore money they have received back what they loaned to me and then some.
Consumer complaint received 2022-11-28
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. (NC)

My name XXXX 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.