davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

My identity was used to get a credit in XXXX from Midland Credit Management and the XXXX XXXX Department just sent me email about it for the first time XX/XX/XXXX. 

I was told I'm owing a balance of {$1800.00}, which was used to purchase something from XXXX XXXX XXXX XXXX 

I called the XXXXXXXX XXXX yesterday and let them know I know nothing about this whole transaction and it's identity theft. 
I told them know my ex wife may likely be responsible for this without my consent. 
Just the same way she did during pandemic, which I filed fraud report with bank XXXX XXXX and police, and i have docuuments and case number to each. 

The agent I spoke with from XXXX Collections Department advised me to report it under federal trading commission and the will also flag it fraud on their side, so proper investigation can be done
Consumer complaint received 2023-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 

Please fix this account : XXXX XXXX Balance : {$1000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Consumer complaint received 2023-04-13
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. (CA)

In according 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXXThis is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (TX)

XXXXXXXX PNC Bank XXXX  XXXX Identity Theft XX/XX/2016 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Consumer complaint received 2023-06-19
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)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$180.00} ; XXXX XXXX Balance : -.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to request an investigation of the following information that appears on my checking account consumer report : Account Number : XXXX XXXX XXXX Bank Of America Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PAID IN FULL XX/XX/XXXX This Chase account balance has been PAID on XX/XX/XXXX XXXX XXXX XXXX  Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX  Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX Tx Identity Theft XX/XX/XXXX I have NO knowledge of this Chase account. Reporting it as Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Theres XXXX XXXX XXXX XXXX XXXX accounts on my report. There should only be XXXX account opened. I have never been able to use my XXXX XXXX account due to a restriction placed by XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Heres the second XXXX XXXX account thats showing on my report. 

XXXX XXXX XXXX  XXXX XXXX Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXX Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Consumer complaint received 2022-11-09
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. (CA)

World finance has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXX XXXX  and XXXX XXXX are unfounded items I have no responsibility for.
Consumer complaint received 2023-01-24
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: I.C. System, Inc. (GA)

Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that IC SYSTEM the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX, AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.
Consumer complaint received 2023-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I am submitting proof that this company still owes me {$550.00}. The account they claim to have reimbursed ending I. XXXX does not exist to me. They reimbursed the wrong account in this case. The documents I am submitting show the underlined amounts this company claim to have reimbursed me to be inaccurate and I have proof of what I did receive from them in the screenshots from my bank account. Only a partial amount was reimbursed to me.
Consumer complaint received 2018-06-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (FL)

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never heard of this company until they filed a debt in the amount of {$1400.00} on my credit reports. This company has listed a XXXX XXXX XXXX as the original creditor. Again a company I have never heard of or had any contract or business with. I requested validation of debt via credit bureau dispute on XX/XX/2018 when I first learned of this account reporting on my credit report. This company returned the results on XX/XX/2018 as " accurate '' still with no verification. I do not have or never had any debt with this company or a XXXX XXXX XXXX. I have never received a phone call or any written correspondence from either company. I have sent a request via certified mail XXXX XXXX XXXX XXXX XXXX XXXX requesting validation of alleged debts including amounts and for what product.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am the Creditor of the accounts listed below pursuant to XXXX XXXX XXXX XXXX ( F ) The term Credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumer credit transaction created by me granted the rights to XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by way of endorsement. I am the original creditor pursuant to 15 U.S Code 1602 ( g ) The term creditor refers only to a person whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. The debt derived from me when the note was endorsed by me. The information reported by this agency is not reporting the true and original Creditor and therefor the accounts is not reported accurately and needs to be removed. I demand you verify that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security Card was used to extend credit to these companies it was the Credit card used to fund these accounts pursuant to 15 U.S Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Consumer complaint received 2023-11-03
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. (MS)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-04-11
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. (PA)

In accordance with the Fair Credit Reporting act. XXXX XXXX : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Hello Sir/Madam I would like bring up an incident that happened at Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX lockers were burglarised inside the bank strong room. When I entered along with banking personnel, the lockers were in wrong position and XXXX XXXX also acknowledged and opened and found XXXX lockers were open, My locker numer XXXX is emptied except documents. A XXXX complaint XXXX is registered. I have lost valuables worth several XXXX dollars specially valuable items from my marriage, kids ornaments and wife jewelry. XXXX is reported in local media as well https : XXXX Bank XXXX XXXX XXXX tried XXXX divert the case by giving false reasons such as construction. 

Bank locker agreement is responsible for XXXX XXXX In this case bank has been completely negligent and have false practices and bad banking people looting the customers. Also they specially targeted XXXX and a classic case of XXXX profiling. 

Bank now says we should contact local PD and bank is not going to discuss on this subject. 

We would need your help to get bank to the task and seek answers to how and when they can contact us to pay for it. 

XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Blackhawk Network Holdings Inc. (NY)

I am writing to report predatory advertising by a company XXXX My mother, who is a XXXX, received a prepaid XXXX XXXX  as a " reward '' for completing her XXXX  appointment. One of the methods to activate the card is to call the number XXXX ( see attached ). Upon calling the number, an automated attended inquired whether anyone in her house was over 55 years of age, and then notified her that she was being selected for a " special opportunity. '' She was not provided an opportunity to opt-out before being transferred to a live agent, and the automated attended aggressively and repeated demanded that she press 1 now. A live attendant aggressively launched into a high-pressured pitch to sign up for something regarding XXXX benefits XXXX Despite shouting to the attendant to stop talking ( she only wanted to activate the gift card ), my mother eventually had no choice but to disconnect the call. With my assistance, my mother was able to use the XXXX code to bypass the aggressive sales agents and activate the card. I ask that the CFPB investigate this predatory marketing scheme. Thank you.
Consumer complaint received 2023-06-18
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. (KY)

On XXXX/XXXX/2023, An unknown credit card account from XXXX XXXX appeared on my credit report. I have a dispute open with them, but I have disputed this fraudulent account twice with Equifax. Most recently on XX/XX//2023. Somebody used my SSN and I have sent documents proving the address used to sign up for the credit card was not mine. I have sent Equifax a copy of my ftc report, proof of residence at the time the account was made, and screenshots of the fraudulent address, phone, and the thiefs name on the mailing address XXXX XXXX mailed the card to! Equifax is not investigating this properly. Please help me. I'm a victim of Identity Theft. The balance is {$410.00}
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent PORTFOLIO RECOVERY SERVICE and XXXX XXXX XXXX a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
Consumer complaint received 2023-12-29
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-11-03
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. (MD)

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT AS THEY VIOLATE MY CONSUMER RIGHTS PER 15 USC -2 STATES EXPECT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF A COPY OF AN IDENTITY THEFT REPORT, APPROPRIATE PROOF OF IDENITITY OF THE CONSUMER, THE IDENTITIFCATION OF SUCH INFORMATION BY THE CONSUMER AND A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTIONS BY THE CONSUMER. I DEMAND YOU TO DELETE THE LISTED ACCOUNTS IMMEDIATELY PLEASE ALSO REMOVE THE FOLLOWING INQUIRES AS IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DISREGARD PREVIOUS COMPLAINT IT WAS MISSING DOCUMENTATION
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

PLEASE SEE THE ATTACHED LETTERS THAT WAS SENT LAST MONTH TO MIDLAND FUNDING. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT MIDLAND IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTERS DATED AND TIME STAMPED FOR YOUR REFERENCE.
Consumer complaint received 2018-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

Presently I am current on my primary mortgage loan with Wells Fargo. On occasion, I have taken up to 30 days to make a payment. The Wells Fargo company artificially requires payments to be made within 15 days of due date. Since I have taken up to 30 days to make some payments, Wells Fargo imposes a {$160.00} late fee. I have requested that they forgive the late fees. There is a precedence that would allow up to 30 days without penalty for every other financial institution I have ever encountered.