davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$40000.00}, {$120000.00}, {$320.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120000.00} -This is not my account. 


-- XXXX ACCOUNT -- 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2021-10-15
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. (TX)

I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information and applied for this
Consumer complaint received 2020-03-30
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. (MI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-12-28
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. (GA)

I needed a loan and just applied for XXXX, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Consumer complaint received 2022-12-28
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)

I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

On XX/XX/2021 NATIONAL CREDIT SYSTEMS stated the account was REMOVED from my dad 's consumer report. I am still being violated by them. They are still reporting on my consumer report. XXXX XXXX stated it would be removed and it has not. They are damaging my character and in violation of 18 of the FDCPA Laws as you can see in Exhibit A, and C. As you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS By reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I demand remedy by paying the invoice included of {$18000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-03-16
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: JPMORGAN CHASE & CO. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-03-30
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: Risecredit, LLC (AL)

A loan from Rise appeared on my credit that I did not take out. I never filled out an application with them. I never received funds from them. I reported it when I noticed it. My credit report shows it was opened on XX/XX/2018 and was charged off a few months later. It is now with the collection agency XXXX as of XX/XX/2018. I have disputed this charge on my credit report several times. I have called Rise and reported it has fraud. They told me to send in info proving it was fraud. I filed a report with the FTC and sent a copy to Rise  as they asked. They have denied all my claims of fraud because they said that a check was mailed to my home address. They claim that the check was cashed. I told them I never got a check nor did I cash a check. I told them I never applied for a loan. I have asked them to prove to me the account is mine by sending me the contract or promissory note as well as a copy of the check I was said to cash. I asked for all information about the loan. They have failed to provide me with any information about said loan but still report the account negatively on my credit as well as the collection agency is still presuming me for the loan.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-03-30
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: Innovis (CA)

On XX/XX/XXXX at I sent certified mail written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that INNOVIS used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from INNOVIS XXXX. Out of 8 requests for verification of accounts, three items were deleted. The remainder five was not verified under FCRA. On XX/XX/XXXX I sent a second written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 611 ( a ) ( 1 ) ( A ). VERIFY PHYSICALLY the validity of the alleged accounts, any notations, calculations, dates, balances and account records. I requested for INNOVIS to substantiate the information of verification pursuant to FCRA. Verify required 426 character P6 statements, 5 part personal identifiers, and source code illegal to retain in accordance with Metro 2 Format for Credit Reporting, FCRA, FCBA, and ECOA. I received communication from INNOVIS dated XX/XX/XXXX. There were no changes to my report. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/XXXX I sent a third certified mail written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. I received written communication from INNOVIS dated on XX/XX/XXXX. I received the same results as the previous INNOVIS communication. FCRA requires INNOVIS to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation INNOVIS received and used to verify the information being reported and maintained in my file. INNOVIS must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

Hello, CFPB. I am writing because I need your help. 

Back onXX/XX/XXXX I tried to fix this issue with Wells Fargo, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Wells Fargo Account # XXXX, Opened Date XX/XX/XXXX, XXXXClosed Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to XXXX XXXX 

Thank you.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: MUFG AMERICAS HOLDINGS CORPORATION (NY)

This bank is crazy unbelievable I hate them the way they are to me is horrible they should be out of business everything sucks when I apply for their credit card more than once they decline me send me a letter with only one reason which doesnt make sense when I call to go over this reason they either dont answer or dont want to speak with me Ive waited over 90 days to reapply because thats how bad I want the credit card rewards with them but they turn me down and I dont feel this is fair their credit department treats me awful I feel discriminated
Consumer complaint received 2020-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

After reviewing my credit report I recognized an account/debt that did not belong to me. Ive sent 4 debt validation letters in the get proof of validation but I have yet to receive adequate information to prove that the debt is mines and that I am responsible for it. I spoke with a manager and he basically told me they arent able o validate it but he will not delete it from my credit report. My problem with this is because it is negatively effect my ability to obtain credit. Also it is false information that I shouldnt be responsible for especially if there not able to confirm I created the debt. I would like for this account to be deleted from my credit report in a timely manner. 

The dates Ive sent debt validation letters via certified mail where : XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX Amount said to be owed {$870.00}
Consumer complaint received 2021-10-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank is my bank for all my financial needs. I have 2 checking accounts, several savings accounts and my first and home equity mortgages as well. I have been a dedicated customer for 23 years. On XX/XX/2021, I transferred {$10000.00} to my checking account from my savings, to make a {$10000.00} payment toward my home equity loan scheduled for XX/XX/XXXX. On XX/XX/XXXX, Citizens One, who handles my home equity loan took 2 {$10000.00} payments instead of one. This created a snowball effect with my checking account, activating my {$2000.00} overdraft protection, and charging {$37.00} per check for other checks that have since cleared ( I see that they have credited my account for 2 fees for a total of {$74.00}. ) I called Citizens One, and they told me they found the error in duplicate payments, and assigned a case number # XXXX. They told me it would take 3 -4 business days to get my money back!! This is a ridiculous solution, as all transactions were done through the same bank..Citizens!!! I tried to access my other accounts through my debit card, and although I still have over {$42000.00} in my savings account, the bank would not let me access my funds, because of the huge overdraft!! I called customer service again in regards to my checking account, and the representative suggested I deposit {$2000.00} for my overdraft protection, so that my other pending checks would be covered, as Citizens Bank refused to rectify my account sooner. ( Their mistake made my account over {$5000.00} overdrawn!! ) This is not just a mistake, it is grand larceny!! I am furious, and more than inconvenienced. I have a contractor doing work in my home and wants to get paid in cash!! This mistake has cost me in so many ways.
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Red Bishop LLC (WY)

In XXXX I was misinformed and signed up for XXXX XXXX XXXX XXXX XXXX student debt consolidation program. It costs $ XXXXmonth for XXXX to continuously update my information to the federal student aid program. When nothing changed regarding my student loan information, I inquired at XXXX I learned that XXXX was a scam that the gov provided for free. I called XXXX to cancel my " membership '' XXXX of XXXX, where I was informed " If you choose to waive this valuable protection program and all of the benefits available, you may cancel at any time by sending your written request to our office via certified mail, return receipt requested. Please send all requests for cancellation to ... '' To which I did. Billing continued, unbeknownst to me, into XXXX. When I realized auto-pay was continuing, I called XXXX to find out they had not received my letter. I sent another. In XX/XX/XXXX I was looking into my finances, and discovered that I was still being billed. I called again, still no letter received, so I sent a third, as well as called my bank and had that auto pay blocked as a scam. Today, XX/XX/XXXX I received 5 separate phone calls from " XXXX from XXXX XXXX XXXX. '' All from a " restricted '' number, regarding student health information, and asking me to call back at XXXX, but no actual information. I called the number to get a vague menu of options. When I finally answered another call from XXXX I learned that I have a back log of payments from ... XXXX. I can send in another letter, but I need to pay 8 mo because there's no record of my letter of cancellation. Asked for the address once more, this time I XXXX it. The business address is for " XXXX XXXX XXXX '' in XXXX FL. Amid the search for the company, I found this as an option. I have attached a pdf showing emails showing the auto-pay receipts. There are several gaps in payment, each beginning with a date that I cancelled my account. You can also note the reply to email in the body of the receipt changes.
Consumer complaint received 2020-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

My FHA Mortgage is currently serviced by Wells Fargo. Wells Fargo set up a trial payment modification for XXXX, XXXX and XX/XX/XXXX, where the payments were set at {$1100.00} per month ( see attached ). Wells Fargo collected the XXXX and XXXX payments, but refused to collect the final payment to complete trial loan modification and covert to a permanent modification. Wells Fargo cites that the contract was never signed and returned, however it was sent back via regular mail to the designated address. Furthermore, I notified Wells Fargo via phone that I was accepting the offer, which was requirement within their contract. Per IN Law, oral contracts are enforceable within a two year period, so the contract was definitely valid. Wells Fargo has definably violated IN contract law. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Wells Fargo is obligated to process the loan modification with transparency. Wells Fargo has refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. Wells Fargo has set a foreclosure sale date of XXXX.
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (OR)

My wife and I are seniors in our mid 70 's. On XX/XX/2021 we received a letter from a TRS Recovery Services purporting to be a collection agency asking us to pay {$110.00} for a debt they stated that they purchased from XXXX stores for grocery purchases that XXXX said we made at a XXXX store months prior in XXXX XX/XX/XXXX. They said a check was written by us but for no given reason was never cashed and that we still owed that sum. They quoted our check # XXXX in their rudely written demand. We immediately called our bank, " XXXX '', and found that we, earlier in the year, had used that check number. It was written to our local XXXX store for the amount of {$340.00}. XXXX fraud department sent us a copy of the check which XXXX had cashed the very next day. We have had no missing checks nor any incorrect statements from " XXXX '' for the 12 months prior to the TRS demand for payment. We immediately sent a certified letter to the TRS address attached to their invoice along with a copy of the cashed check written to XXXX. We said they were mistaken and we did not owe them or XXXX anything . We also attempted to call them and/or e-mail them at their listed street address in Georgia and their e-mail address from their original letter without success. Internet research has revealed many complaints about them from other unfortunates who have been made to deal with them. For the last three months we have had several phone demand for payment calls from them, only the first one have we answered. We have had additional requests in writing to pay them as well. To date they have not acknowledged our proof that the check they are quoting was written and cashed by another company nor do we know how they were able to quote one of our actual used check numbers. They stated in one letter to us that if we wished them to investigate their debt claim they would need additional personal information from us, as in Social Security numbers, photos of our Driver 's License front and back, police report, etc. These we would never provide to anyone. Our local overworked and undermanned police department of which our XX/XX/XXXX is an officer does not have time these difficult days to do police reports for every attempt at e-mail fraud that occurs against seniors. We and many others need assistance so that the threats these people make to disrupt our credit ratings can not so easily be accomplished!