davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
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: Experian Information Solutions Inc. (NC)

Experian cease ALERT ALERT ALERT EXPERIAN IS GOING TO DELETE " 3 '' XXXX  XXXX XXXX 8 DIGIT ACCOUNT NUMBERS ALL THREE END IN 2018!!!!!!!

ALERT CFPB EXPERIAN HAS NEVER REP
ORTED THESE ACCOUNTS UNDER MY CREDIT ... THIS IS OUTRAGEOUS conduct by the TOP MAJOR # 1 CREDIT REPORTING AGENCY IN THE WORLD. CFPB SANCTION EXPERIAN .. They continue to destroy delete change inquiries soft to hard back to hard and then change the names completely ... illegal ... ..illegal ... EXPERIAN YOUR COMPANY HAS CONTRIBUTED TO MY PERSONAL ASSAULT CALLED IDENTITY THEFT!!!!!!! Experian you still have not told me who put the fraud address of XXXX XXXX XXXX on my credit so THAT I CAN STRAIGHTEN OUT EXPERIANS MESS ... EXPERIAN CEASE CEASE GIVE ME THE CORRECT ACCOUNTS SO THAT I CAN LOCATE OVER MY LIFE MILLIONS OF MY SOLELY OWNED MONIES MYSELF I just received a dispute results with a non monetary XXXX award from experian. I WANT DAMAGES EXPERIAN. 
CFPB I am asking for a damage award regarding this from the cfpb damage fund. How do I do that Experian deleted three XXXX  XXXX XXXX accounts ending XXXX EXPERIAN I NEED all 3 ACCOUNT file INFO ... ..INFO MY OVER 1 MILLIONS LIFE MONIES DOLLARS MIGHT BE IN THESE 3 XXXX  XXXX  XXXX ACCOUNTS THAT I HAVE BEEN REQUESTING AND REPORTING SINCE IN PERSON XXXX  at XXXX XXXX XXXX XXXX  XXXX va THESE ARE NOT NUMBERS THAT ARE ORDINARY THEY ALL HAVE 8 DIGITS ENDING IN 2018 I AM REQUESTING ALL DETAILS ON EACH OF THE FOLLOWING IMMEDIATELY AS STATED ON EXPERIAN DISPUTE ATTACHED XXXX XXXX XXXX Do not delete experian you have never reported theses on my name no wonder I have identity theft. ALSO XXXX  AND XXXX  DO YOU HAVE THESE ACCOUNTS UNDER MY NAMES
Consumer complaint received 2024-03-16
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. (TX)

I hope this letter finds you well. I am writing to express my dissatisfaction with the initial attempt made to correct the late open accounts associated with my account. 

Unfortunately, the initial attempt to correct these late open accounts has been ineffective. Despite providing all necessary documentation and evidence to support my claim, the resolution process has been slow and unproductive. This lack of urgency and efficiency in addressing the issue has only added to the financial strain caused by the late open accounts. 

As a valued customer, I expected a more proactive and expedient response from your company in addressing this matter. The failure to promptly rectify the late open accounts has not only impacted my creditworthiness but has also diminished my trust in your company 's ability to fulfill its obligations to its customers. 

I urge you to take immediate action to rectify this situation. I request that you thoroughly review my account and expedite the process of correcting the late open accounts without further delay. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the financial difficulties and stress caused by this oversight. I trust that you will handle this matter with the seriousness it deserves and provide me with a satisfactory resolution as soon as possible. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$300.00}.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX XXXX ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus on XX/XX/XXXX which is the deadline for Their 30-day validation window. I would like the credit Bureau to open an investigation. That affirms I did not receive a proper debt validation that proves XXXX  are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like the credit Bureau to take the collection off my credit report. As is my right under the Fair Debt Collections Practices Act ( FDCPA ).
Consumer complaint received 2022-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc. (WI)

Alliance Collections, of XXXX, Wisconsin, ( XXXX ) XXXX, keeps on calling me. I don't want them to call me. I paid my bill in full at XXXX XXXX. The last payment was on XX/XX/2022, which brought my balance to {$0.00} due. However, Alliance Collections continues to repeatedly call me - even today on XXXX, which is some sort of harassment. I spoke with the representative at Alliance Collections today, and I asked them to stop calling me. I told the representative that my balance at XXXX XXXX was {$0.00}. I want Alliance Collections to stop harassing me.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX XXXX ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus on XX/XX/XXXX which is the deadline for Their 30-day validation window. I would like the credit Bureau to open an investigation. That affirms I did not receive a proper debt validation that proves XXXX are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like the credit Bureau to take the collection off my credit report. As is my right under the Fair Debt Collections Practices Act ( FDCPA ).
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible
Consumer complaint received 2020-01-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I received a call from a phone number that showed on the caller id as XXXX XXXX XXXX XXXX XXXX Hospital today around XXXX XXXX CST XXXX. The lady had to look up my name to see why they called me. She told me that I had a debt from ACE Cash Express from XX/XX/2011 and that they have me on Video Surveillance Cashing a check. She said that a recent NCIS check found that I had no criminal history and that this would change if I didn't pay the debt. I asked her why her phone number said XXXX XXXX. She said that maybe XXXX XXXX previously had that number. I told her that I wanted to call ACE myself to verify and she urged me not to do that because I wouldn't get the chance to pay if I didn't do it right now. I continued to question her and she got even more aggressive. I then disconnected the call.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

These accounts are still showing delinquencies and collection on my credit reports and were paid in full settlements and the test of the amounts charged off. The accounts should be listed as closed, paid, and account balances XXXX with no derogatory comments left. Settlements are binding.
Consumer complaint received 2020-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against JEFFERSON CAPITAL SYSTEM for committing identity theft. I have never given JEFFERSON CAPITAL SYSTEM any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until JEFFERSON CAPITAL SYSTEM can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and JEFFERSON CAPITAL SYSTEM continues its collection efforts, I will file for litigation for actual damages caused and JEFFERSON CAPITAL SYSTEM will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I sent them proof the date of the debit is incorrect. It was in XXXX of XXXX XXXX XXXX XXXX I was in the XXXX with my XXXX XXXX two years before. I sent the statement as proof. It was never corrected.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

15 U.S. Code $ 1681c-2 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 an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENEP, to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN ENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. 
I have attach my id to proof my identity in this complaint.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-09
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. (MI)

One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are inaccurate.
Consumer complaint received 2022-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Our loan servicer, Wells Fargo, has not been crediting our payments in a timely manner, instead, placing them into " unapplied funds '' and then filing foreclosure proceeding against us because they have not credited the payments. In XX/XX/XXXX, these unapplied funds equalled more than 4 monthly mortgage payments. Wells Fargo then filed for foreclosure, even though the ony reason we were behind was because they were placing our payments ( made by certified checks sent directly from the bank ) into unapplied funds instead of promptly crediting them as payments. 

In XX/XX/XXXX, a late payment was made due to the passing of my father-in-law and the need to cover his funeral expenses. 

According to an agreement entered into on XX/XX/XXXX, there could be one cure period if a payment was missed. According to Wells Fargo, this cure period took place on or about XX/XX/XXXX. However, there were no missed payments, these were only part of the {$10000.00} in unapplied funds. 

In XX/XX/XXXX, Wells Fargo began to reject certified payments, sending back our XX/XX/XXXX payment. They now admit that they are no longer accepting payments. I believe they are only doing so to force a default as there is no sound reason for doing so. 

Also, Wells Fargo is dual tracking. I have had an active request of mortgage modification for almost 9 months. Wells Fargo states that a modification takes approximately 30 days, this has taken more than 8 months because Wells Fargo has taken so long to process the modification that the documents have become stale dated, due to the fact that more than 4 months elapses before they begin to process the documents submitted.There is no reason that a mortgage modification should be going into its ninth month except for the willful indifference or deliberate malfeasance of the lender. 

Also, Wells Fargo has included {$1200.00} in legal fees in what they claim are " arrears ''. Also, Wells Fargo has cut us off from access to our monthly statements and has refused to send us duplicate statements we have been requesting in order to document all of their errors. 

They have instead sent us spreadsheets with information that omits such unauthorized charges such as legal fees. Wells Fargo has no explanation as to why we can not get access to the online portal to view our payment history except that they do not want us to document their accounting errors. 

Also, there are late fees due to the delayed crediting of our payments and their being placed in " unapplied funds '' for months at time.
Consumer complaint received 2020-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is a two party complaint against Capital one bank and XXXX XXXX. On XX/XX/2019, I made a {$250.00} transfer from XXXX XXXX  going through XXXX to XXXX XXXX XXXX at Capital One. I was told from XXXX that their was an error in the number but that it had been corrected and the monies was placed in her account on XX/XX/19. I called numerous times to Capital one and my daughter, and XXXX to no avail, no one wants to return the {$250.00} that neither one of us received, putting the blame on the other bank. The money was found but is in limbo and as of today XX/XX/2019, we have still not received the funds. 

Capital One bank General correspondence/complaint XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX CapitalOne.org XXXX XXXX complaint ID XXXX
Consumer complaint received 2023-05-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

I was denied a bank account and noticed that early warning has all my bank information inaccurate with old account that is not mine bank account .I called and request a consumer credit report from them and my information within there date base is incorrect I wrote a dispute letter to early warning .I receive a email me back from early warning all account are reporting accurate. Early Warning have violated my consumers rights by having my information without my consent.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

I received a notice from a debt collector XXXX Online Information Services ) about a debt that I do not owe. The debt is to XXXX XXXX for {$1000.00}. The date of service is XX/XX/2022 
I called to dispute the debt, and the debt collection representative asked if I ever lived in XXXX, TX or have any friends or family there. I responded " no ''. The representative instructed me to file a complaint to FTC.
Consumer complaint received 2020-01-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I PREVIOUSLY SUBMITTED THIS COMPLAINT AND IT WAS MARKED DUPLICATE COMPLAINT BY CAPITAL ONE AUTO AND THAT IS NOT CORRECT Ref # XXXX. 

I am writing this due to noncompliance with the CRA ( XXXX & XXXX  ) They have failed to remove information that was affiliated with personal details that were challenged in the past and removed ( my address ). I strongly believe that they are in violation of the FCRA  and are outright refusing to uphold the law.