davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

Since XX/XX/XXXX, XXXX Wells Fargo is allowing my identity to be use by some thief. 
The thief has been using my address and my name as well as my email address and how did he/she managed to open multiple bank accounts using my information with or without the help of the BANK in QUESTION? 

Wells Fargo Bank has been sending me statement, letters, emails and even a debit card using my name, my address and my email address on multiple accounts I have not opened. I have NO business with Wells Fargo Bank. 
I have gotten multiple letters and collection letters from Wells Fargo as well. It's extremely annoying the endless amount of time/money that this FRAUD has cost me. 

I met/and contacted the bank on XX/XX/2022 in my community to discuss the issue. I made a report with the local police. I lost money because of this thief. 

But letters continue to insult my dignity and identity. 
Please I need an authentic answer to this issue. I worked all my life so hard to be abused by a thief who wants to steal my identify and commit financial crimes. 
Please contact me ASAP. 
THANK YOU! 
Or email me A fair solution to this issue, would be to compensate me for damages and lost of time, fear and mental health damages to my name/life which already is full of debts. I need to be compensated for the weakness or failure to secure my identity/the use of my personal information tacking my integrity, my dignity and my vulnerability as a hard-working person, a tax payer and a decent name. I want the bank to find the thief and let me know who did it. I want these accounts to be removed and permanently block the thief from further damage to me or anyone else. That's is a security issue because if we cant keep safe the business of money as a way to do make transactions, then we will be all forced to go back to trading goods which is a fair safer way to do business. il.com.
Consumer complaint received 2022-03-22
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. (GA)

In regards to the XXXX XXXX  XXXX  XXXX account listed on my consumer report. Ive allowed XXXX, Equifax and XXXX a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.
Consumer complaint received 2022-04-19
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 did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer
Consumer complaint received 2023-06-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2016-03-02
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

On XXXX XXXX, 2016 i wired money to XXXX via western union services, on the following day, XXXX XXXX, 2016 my sister who was the person to receive money went in to XXXX XXXX to retrieve money, the teller pulled up the info and went to get money but once she had money in her hand she turned to my sister and told her there was an error on the computer system and was n't able to complete transaction ... money was never given to my sister nor did she sign for it, i contacted western union immediately and was told they would be investigating this case and have since called in on daily basis only to hear them say they are looking into this, i need my money asap and would like immediate action taken on my case.
Consumer complaint received 2022-03-22
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: DISCOVER BANK (GA)

I contacted XXXXXXXX XXXX XXXX to repair a wheel I have. On XX/XX/2001 we agreed on the work to be completed and the price. I am in XXXX, XXXX XXXX is in XXXX NC .I sent him my wheel. About XXXX XXXX after some phone calls and texts I started to be concerned how the wheel was being repaired. After more conversations I was certain the wheel was not being repaired properly despite XXXX continually tell me they did what I asked them to do. Then about XXXX XXXX he sent me a message : " The hub and lug seats are true to the outside of the wheel. It was done on a XXXX milling machine ''. That was what I wanted done. I sent payment. He sent wheel back. I received my wheel and Immediately saw he did not do the lug holes and the bore was wrong. I put the wheel on my car and saw that it was still wrong, XXXX had fixed nothing. I did a charge back through Discover. They sided with the business. We explained to Discover the issue on the phone and they agreed to do a second charge back. They again said transaction was valid. This was around XXXX XXXX we called discover back, they agreed to send me the document XXXX sent to discover. most of that letter was false information. I have sent new documentation to discover, documenting that the wheel was not repaired. I will also send you copies of that documentation. I never would have paid XXXX if I knew he was cheating me. I have the wheel, It is not useable, yet XXXX still says he did no wrong. I just don't understand how all this is possible.
Consumer complaint received 2022-03-22
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. (TN)

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Consumer complaint received 2021-03-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (CA)

Speedy Cash 3 inaccurate account balance {$5900.00}.

5 payday advance loans issued and paid as follows in 2019 : XX/XX/XXXX - {$250.00} loan XX/XX/XXXX - {$300.00} paid XX/XX/XXXX {$250.00} loan XX/XX/XXXX - {$300.00} paid XX/XX/XXXX - {$250.00} loan XXXX XXXX - {$300.00} paid XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$250.00} loan XX/XX/XXXX - {$300.00} paid ( check ) full price for 2 weeks Credit reporting shows none of the above. Please add to credit report. Please correct and update balance due to {$0.00} on Speedy 3 balance of {$5900.00}.
Consumer complaint received 2019-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

I have received a detailed invoice and the debt started XX/XX/XXXX. On XX/XX/XXXX it was a XXXX writeoff. On XX/XX/XXXX it  changed to an invoice and was a XXXX writeoff. On XX/XX/XXXX it was a XXXX writeoff. On XX/XX/XXXX it  changed to XXXX. On XX/XX/XXXX it was a XXXX writeoff. I do not owe this bill!!!
 Thank you
Consumer complaint received 2022-04-19
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. (CA)

On my credit report the credit bureaus reporting charge offs and late payments which I paid to delete but comes back verified. This is hurting my XXXXredit score which I am rebuilding.
Consumer complaint received 2015-12-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Patenaude & Felix A Professional Corporation (CA)

XXXX XXXX had {$70000.00} of student loans and XXXX XXXX co-signed for them as well. XXXX XXXX nor her father XXXX XXXX could afford the payments and XXXX XXXX XXXX XXXX XXXX sued us thru PATENAUDE & FELIX Law Firm and this took about 1 1/2 years of court hearings which XXXX XXXX handled all of the court motions and documents and hearings as we could not afford an attorney. 
We settled on XXXX XXXX, XXXX ( court doc. 's enclosed ). The letter explains the intentional HARASSMENT and BAD FAITH, Malice, Etymology, etc. of XXXX XXXX, XXXX by XXXX XXXX, and the Law firms letters, this was not the first phone call but when the additional letters and phone calls came XXXX XXXX became very nerves and emotionally upset as she explained to the Law office that they were wrong and she was en-fact making her payments on time for over 18 months, etc., but they started with letters and additional phone calls of harassment. I am know I am not the only one with this type of story about this Law Firm. 
PLEAS STOP this company from doing this over and over again
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MO)

Caine & Weiner Company , Inc XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX To : The XXXX XXXX XXXX XXXX for Caine & Weiner Company , Inc From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (GA)

Dispute confirmation number XXXX with Equifax. It has been a month and I never received an email, a notification on the site, or physical mail regarding the process of the dispute, nor did they ever send the method of verification that I requested.
Consumer complaint received 2022-04-19
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. (CA)

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 XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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 2021-03-11
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. (MD)

Re : XXXX XXXX XXXX XXXX ACCOUNT NO. ENDING IN XXXX I am writing to dispute the above-referenced debt which I do not owe. All charges of interests, fees, and debts on the Account referenced were automatically charged by XXXX XXXX XXXX to the XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX has accepted the liability for the charges of such interests, fees, and debts ( See XXXX XXXX XXXX communications attached ). 
This debt is in fact the debt of XXXX XXXX XXXX as indicated on the attached Statement. All charges to this XXXX XXXX XXXX Account were generated for the establishment of the XXXX XXXX XXXX down payment and monthly dues. ( See XXXX XXXX XXXX communications Attached ). XXXX XXXX XXXX was partnered with the XXXX XXXX XXXX in establishing this account and automatically charged Monthly Fees to this account ; they share the same Letterhead on the billing notices. Although I was assured by XXXX XXXX XXXX  that the Account had been rescinded and the down payment, Monthly Dues and Fees were taken off of the charge card, XXXX XXXX XXXX and XXXX XXXX left a balance of these fees on the Credit Card and commenced to charge interest fees on that amount. Additionally, XXXX XXXX XXXX and XXXX XXXX have jointly reported to each of the Credit Bureaus that I am delinquent each month on this Account which has severely damaged my Credit Score. 
I sent letters complaining of this process to both XXXX XXXX XXXX  and XXXX XXXX ( XX/XX/2020 ) to no avail ; the debt has increased each month and has been reported to each Credit Bureau as being a " delinquent account '' ( one credit bureau reflects last 5 payments on time with delinquent balance. ) I sent letters to the Credit Bureaus P.O. Boxes ; however, each was returned to sender. Thank you for your assistance in this matter.
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (NM)

Someone keeps calling me and leaving voice mail messages IN XXXX. I DO NOT SPEAK XXXX. I SPEAK ENGLISH ONLY. However, the messages included the words, UNITED COLLECTION BUREAU , INC My current credit score is XXXX points. I HAVE NO DELINQUENT ACCOUNTS, nor have I EVER had a delinquent account. I'm a RESPONSIBLE PERSON. I PAY MY BILLS ON TIME!!!

UNITED COLLECTION BEREAU IS CONTACTING ME WITH THE INTENTION OF FORCING ME TO PAY A DEBT THAT IS NOT MINE, AND THAT I DO NOT OWE.
Consumer complaint received 2023-10-19
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. (PA)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( 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 have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have inaccurate information on my credit report that does not belong to me. I want the items re-investigated and removed from my credit report. I am a victim of identity theft. 

Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX