davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

I have gave ALL parties 3 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and wells fargo continue repost the account withnot sending me any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand accounts be removed IMMEDIATELY!!! PLEASE SEE ATTACHMENT 18 USC 8
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My nephew was treated at XXXX XXXX for XXXX XXXXXXXX XXXX XXXX  2022 with XXXX XXXX XXXX. I have written hospital XXXX weeks ago without response There is overcharges on XXXX day of these treatment which I will point out as follows : XXXX Supplies : Day XXXX : XXXXXXXX baht,  Day XXXX, XXXX, Day XXXX, XXXX overage charge : XXXXXXXX baht XXXX XXXX days = XXXXXXXX baht. 

XXXX XXXX for XXXX : Day XXXX, XXXXbaht, DayXXXX XXXX Day XXXX, XXXX Overcharge : XXXXXXXX baht. 


Total XXXX baht XXXX XXXX baht/USD = {$22.00}
Consumer complaint received 2022-07-06
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. (MI)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC (NC)

Rocket Mortgage/Quicken Loans churned 5 refinances in 3 years for an elderly person with XXXX, charging him {$25.00}, XXXX in fees and costs. They did not require him to escrow taxes, despite tax records showing he was behind, they charged him for new title insurance policies all 5 times which is not customary when refinancing with the same lender. They failed in their fiduciary duty to identify and report a customer with diminished capacity. They charged him discount points/orgination fees and allowed him to roll all costs into his newest loan, thereby driving up a XXXX loan to a XXXX and now that all his equity has been drained, they are foreclosing. They also failed to make the roof repair part of the loan agreement, so the roof that he indicated he was using the refinance for, was never repaired and is now damaging the property. Note that loans XXXX and XXXX were all taken out just to refinance the previous loan to Quicken-no money was cashed out to the borrower or to other debtors. I think a fiduciary crime has been committed here. If you look at loan XXXX, taken XX/XX/XXXX, it cost the borrower {$4000.00} to make the loan only to save {$53.00} per month, then 11 months later he was allowed to refinance again at a cost of {$4600.00} just to save {$43.00} per month, then he was allowed to refinance again 10 months later at a cost of XXXX which he used to pay off an XXXX credit card that only required a XXXX XXXX monthly payment -- no credit counseling was provided or suggested, nor advice against refiancing for the XXXX time in 3 years to pay off something well within his budget. It was the responsibility of Quicken/Rocket to raise a flag at this type of activity on the same address yet they failed to take any action. I want a full investigation of how this was allowed to happen. 
XXXX. QUICKEN LOANS- XX/XX/XXXX, borrowed {$75000.00}, total closing costs : XXXX, Closing costs financed : XXXX interest rate : XXXX Term : XXXX points : 1.38 % Monthly Payment : XXXX XXXX. XXXX LOANS- XX/XX/XXXX borrowed : XXXX, total closing costs : XXXX Closing costs financed : XXXX, Interest rate : XXXX term : XXXX XXXX % monthly payment : XXXX Paid off XXXX and got {$19000.00} cash out XXXX LOANS XX/XX/XXXX, borrowed XXXX total closing costs : XXXX, closing costs financed : XXXX, interest XXXX, term : XXXX, points : 1.75 % monthly XXXX Cash to borrower : XXXX only paid off XXXX XXXX. XXXX, borrowed : XXXX, closing costs financed : XXXX interest rate : XXXX term : XXXX, XXXX %, payment : XXXX Paid off XXXX XXXX. ROCKET XXXX, borrowed : XXXX, closing costs financed : XXXX, XXXX rate : XXXX term : XXXX, points : 1.50 % payment : XXXX cash to borrower : XXXX
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NE)

Back in XXXX, my accounts with chime and XXXX XXXX were fraudulently accessed and used over {$1000.00} and chime and XXXX XXXX both refuse to refund my money. Chime says that I have not been able to prove that the transactions were fraudulently done by someone else, when that is not the case I have police reports, and sign that affidavits from people stating that I never left the state or use my card at any of the locations that the card was used at fraudulently along with a slew of other evidence to prove. XXXX XXXX will not refund my money because of losses from a fraudulent XXXX transaction.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

These accounts and inquiries are being reported Fraudulently FTC REPORT ATTACHED WITH ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any r
einvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE : {$1900.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE : {$3100.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATIONXXXX XXXX # XXXX ACCOUNT BALANCE : {$3800.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX {$3500.00} ; ACCOUNT NAME : DEPT OF EDUCATIONXXXX XXXX # XXXX {$3000.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX {$5600.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX {$6500.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE {$5900.00} ; ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX {$19000.00} ; ACCOUNT NAME : XXXX, XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$150.00} ; ACCOUNT NAME : XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX ACCOUNT # XXXX {$610.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$1600.00} ; ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # XXXX {$300.00} ; I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2017-05-07
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. (GA)

When I was notified by  XXXX    XXXX   which purchased the account from  XXXX   XXXX  that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.
Consumer complaint received 2023-03-07
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

i applied for an increase to my home equity. I was told that the title company provided a list of XXXX violations and i must show satisfaction to these XXXX violations in order to proceed with the closing. i pointed out to the bank that the XXXX violations is not a property that i live at, not a property that i own. In addition, i was told by an attorney that if my loan request and if my home is under XXXX XXXX, they can not deny my request due to XXXX violations in the name of a trust. This is not allowed to impact my own home to which i am applying for a line of credit. My own home is not owned BY XXXX XXXX XXXX XXXX see attached. Can you please intercede on my behalf to get my request granted? thank you. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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)

As a federal consumer, I have a right to privacy and my rights have been violated. I am writing you to notify you that there is inaccurate and unauthorized reporting of all named accounts on my credit report by Equifax, as well as the furnisher of information to credit agencies, in violation of the Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq., 15 USC 6802, and the Private Act of 1974 ( 5 U.S. Code 552a ) .________________ Account/ # - XXXX  XXXX ( Report Credit Utilization/Transaction as Paid as agreed and 0 % utilization ) 15 USC 1681a ( 2 ) ( A ) ( I ) ___________ Account/ # - XXXX XXXX ( Update Adverse Late Payments to Paid as Agreed ) 15 USC 1666B______________ Account/ # - XXXX ( Delete/Remove off report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _____________ Account/ # - XXXX  XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ___________ Account/ # - XXXX XXXX XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX  XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ______________ 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. As a federally protected consumer, I am NOW OPTING OUT of any, and all authorization I may have given you, whether it be written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 on the named accounts listed. 

I request that you cease all reporting on named accounts on my behalf immediately. I also request that you investigate and correct any inaccuracies in my credit report, as required by law. Such as different names and addresses other than the one listed on this correspondence pursuant to 15 USC 1681b. 


XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-03-07
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: FORD MOTOR CREDIT CO. (NC)

[ FORD MOTOR CREDIT COMP ] add a derogatory mark on my credit report per. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written signature of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, [ FORD MOTOR CREDIT COMP ] has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-07
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. (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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or 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 2023-03-07
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. (FL)

My name is 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 2023-03-07
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. (PA)

My name is 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 2023-03-07
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)

My name is 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.
Consumer complaint received 2023-03-07
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete the following items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-07
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX SS # : XXXX ( XXXX ) XXXX CFPB Log In XXXX XXXX!.. 

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-07
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that you will immediately correct this matter. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX