davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes.

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as numbers of changes of phone numbers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which
none of the three major credit reporting agencies have obtained from me.
Consumer complaint received 2022-10-31
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. (LA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on credit card account under a open and consumer plan as late for any purposes
Consumer complaint received 2020-06-12
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. (AR)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX {$800.00} XXXX {$400.00} XXXX {$660.00} XXXX {$2200.00} XXXX {$1700.00}
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (NV)

This company ICS Systems have called me several times looking for someone else. I have told me repeatedly to stop calling me and they have refused. They told me the call was recorded and I did not want it recorded. I also explained to them that legally they can not keep calling me. So now I will look to file a lawsuit against them if they continue to call my phone number. They are a collection agency and I owe them nothing
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I sign up with an advertising company that was supposed to part of the XXXX XXXX.I was to have my vehicle wrap and in return I was to get paid for it. There was a payment sent to me XXXX and was advised that when receiving the payment to make deposit take out my first week of pay than make arrangement with company with balance to have my car wrap I never did try to get any funds until check cleared, but it never did my acct was closed n I was charged for a bad check.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (GA)

Currently I have has a business account with Wells Fargo for an LLC since XXXX. This has a business credit card with a credit line of {$25000.00}. All balances have been paid in full monthly since this account was opened. Opened a second LLC partnership in XXXX, XXXX. A second business account was opened at Wells Fargo. A business card application was submitted and denied credit on XX/XX/XXXX. A credit line was requested for {$50000.00}. A complaint was lodged with no success and intervention by local bank manager. Even approving {$25000.00} would have worked. No interface with their credit card department only clerk level as their system is designed. Denial reason was, " your business has not been established long enough to meet program requirements ''. Very interesting with a XXXX credit score and assets of over {>= $1,000,000} and NO debt. Also noteworthy is I'm a XXXX veteran, XXXX XXXX XXXX and my partner is an XXXX. I know many others who have easily gotten such a credit card. Additionally, my treatment changed after I made numerous complaints XXXX timeframe about Wells Fargo regarding denial of a PPP loan which was in contravention of the legislation. With Congressional help, this was approved another bank quickly. No admission of wrongdoing was forth coming by Wells Fargo Senior level executives. Actually got 6 denial letters from them. The scenario has all the appearance of flagrant discrimination by Wells Fargo and I want this investigated.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

I received a card for unemployment benefits. I'm still working and never applied. They said they closed it but I am still getting mail about the benefits. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE Problem getting a card or closing an account
Consumer complaint received 2020-08-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I'm a veteran using a VA loan. I received a letter from the state of Maryland explaining that I'm taxed exempt as of XX/XX/2019. I started off with XXXX XXXX  and shorty after my loan was transferred to Freedom Mortgage. I provided the letter to Freedom Mortgage as soon as the letter was provided from Maryland. Freedom mortgage have not applied my tax exempt status. They are telling me that they don't know if the letter means partial or full exempt. From my experience exempt means exempt. This is causing a lot stress because I'm paying more for my mortgage than I'm supposed to.
Consumer complaint received 2020-06-12
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$4400.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$880.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened an account with CitiBank on XX/XX/2020, under a promotion that I would receive {$400.00}. The promotion clearly stated that I would receive {$400.00} after keeping {$15000.00} total in my Savings and Checking Account. I had a total of {$15000.00} on XX/XX/2020. Two months later I reached out to CitiBank and they told me that I would receive the {$500.00} in XXXX. A few months after that, I reached out to Citibank again and was told I would be receiving {$500.00} no later than XX/XX/2020. Today, I called CitiBank since I have not seen the {$500.00} in my account yet. CitiBank said that I was missing some documentation, but could not tell me exactly what I was missing. I've been giving the roundabout too many times already.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (VA)

This complaint is about : XXXX XXXX Loan Officer XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, VA XXXX T : XXXX | NMLS # XXXX My friend and I have been looking for a mortgage lender to finance our next property. We came in contact with Mr. XXXX XXXX, who's a loan officer. Mr. XXXX asked us for our financial documentation unlike other mortgage lenders who would simply ask for SSN,  name, and DOB to pull credit information. He demanded that we must provide him with our 2 years of tax returns, W2s, and latest pay stubs in order for him to pull our credit and qualify us for a mortgage. 

However, after we followed up with Mr. XXXX for the mortgage estimates, his demands gotten more absurd. He now wants us to sign a commitment letter before he shows us the figures he is offering. The commitment letter states, that after signing if we happen to find a lower interest rate and decided not to pursue the financing with Mr. XXXX, we will need to pay him {$1000.00} in fees. 

We have spoken to Mr. XXXX several times but he never mentioned this was supposed to be their company policy. Even when he was pushing us to send him all of our financial and PII information he did not mention that we had to sign a commitment. 

Mr. XXXX has wasted a lot of our time and in the end, he didn't even give us the numbers he promised.
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

" XXXX XXXX " has been calling me everyday sometimes multiple times a day about collecting on a 4-5 year old debt. ( and maybe others ). I'm awaiting important phonecalls so i have to pick up every call i get. And it's always someone from " XXXX XXXX ". Sometimes they won't even say who they are and tell me they can't give me that information unless i tell them who i am ... Last time i spoke to someone i told them are you seriously harassing me during a pandemic? To which they replied " we are not harassing you ''. If calling multiple times a day from different random numbers is not harassment then what is?
Consumer complaint received 2023-05-25
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. (GA)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and XXXX, and I am pleading with you to remove them immediately.
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (CA)

To : XXXX Experian Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you a

re obligated by law to remove the item. There is a clear case of unverified debt here, and I

urge you to remove this item before I am forced to take legal action.

1. Please provide my written signature or valid proof that what your claiming is in fact my account.

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was deployed.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue  you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX
Consumer complaint received 2020-08-11
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. (CA)

To : XXXX XXXX  Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account. 

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was deployed. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX
Consumer complaint received 2024-02-26
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. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I called American Express because they are offering a financial relief program due to COVID. They offered to enroll me in the program, and noted that my monthly payment would be lowered and I would not accrue finance charges for the term of the program. They also explained that this would lower my credit limit and could affect my credit scores. Please note that I only enrolled in this program because I lost my contract income and am now accruing finance charges on my XXXX  Amex card ( I always make more than the minimum payment ). When I looked at my accounts, I saw they had enrolled a different card than the one I contacted them about, with a very low balance. I did not need any help with that card, but the credit limit has been lowered. But they did not enroll the card I contacted them about and agreed to the program for. I have now spoken to them multiple times, and they have stated that the program was supposed to enroll all my cards but there was a technical glitch and something went wrong. On their website, it states " If you enroll an eligible Card account / loan in the Financial Relief Program, all of your other eligible Card accounts / loans will be automatically enrolled. '' It has now been over a week, and they have no responses. When I called them now, they said they couldn't do anything because it was the job of the technical team, and they could take a very long time. They keep saying they know it is their fault but don't know how to give me a response. So essentially, Amex has lured me into signing up for a financial relief program, and then not really given me relief, and has instead lowered my credit limit on a different, affecting my credit scores for no reason.
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (FL)

In correspondence dated XX/XX/XXXX, a third-party debt collector calling themselves the MEDICAL REVENUE SERVICE contacted me about an unspecified charge of XX/XX/XXXX. My wife called to determine the subject -- a ten minute XXXX visit XXXX years ago. I have received no outstanding balance statements from the provider since. I previously paid a XXXX 's co-pay amount determined by the front desk staff before even seeing the provider and for which XXXX XXXX was already paid by my insurer XXXX XXXX. This erroneous collection effort is harassing and unfounded. Please refrain from further contact falsely representing the status and amount of this alleged debt.
Consumer complaint received 2020-06-17
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. (TX)

I recently pulled my Equifax credit report from the free annual credit report site. I found some incorrect information on my report but can not dispute it because Equifax has not allowed me to login to my credit file for over a year now. I do not have this problem with XXXX  or XXXX  - never have. With Equifax I constantly get an error message that advises me to call in. I spent a lot of time calling in last year in XXXX and the problem still isn't resolved.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Receivable Management Services LLC (PA)

On ( XXXX ) I sent an Identity theft letter to ( XXXX XXXX XXXX, XXXXXXXX XXXX RECEIVABLE MGMT SVCS ). I have not received a response nor has ( XXXX XXXX XXXX, XXXXXXXX XXXX RECEIVABLE MGMT SVCS ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/ ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX, XXXX XXXX, RECEIVABLE MGMT SVCS ) have not made XXXX call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.