davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I have been using rental sites to find an apartment. We are moving from XXXX to XXXX XXXX. I inquired about an apartment on XXXX and was emailed by an agent named XXXX XXXX on XX/XX/XXXX. He said he was a private renter and sent us the information on the apartment we were interested. After sending all the necessary information/docs we were told we were approved and to send a deposit of {$1700.00} to ensure wed have the apartment. We were sent contracts and agreement forms that were equally signed. After sending the deposit and receiving a receipt on XX/XX/XXXX, XXXX then asked us for more money, before actually getting the apartment or keys. He said the landlord wanted all the funds, when that was not in the original email or contract signed. When we said we wouldnt send more he said he would cancel the arrangement and send the money back. He said it would take up to 7 business after completing a dispute form to process the return. After 5 business days I tried contacting XXXX again on XX/XX/XXXX, but it now says his phone is unavailable. The listing has also been removed from XXXX. I have reported this to XXXX and the federal trade commission.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

These accounts are not mine, they have incorrect information and greatly affect XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

These accounts are not mine, they have incorrect information and greatly affect XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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. (IL)

My name is XXXX 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 2023-02-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-18
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX this this company charged off a debt that I did not owe and sent it to a collection company. They forfeited they rights and they went against my rights and FCRA rights thank you sincerely
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I opened a credit card with Capital One in the fall of XXXX. Months later I called customer service and the automted system asked me which credit card I was calling in reference to. I asked the CSR why there was another credit card on file with my information. Someone in XXXX XXXX, Utah opened a credit card without my knowlege or consent and is fradulently using all my personally identifiable information. The card was opened XX/XX/XXXX with a {$700.00} credit limit. I asked Capital One to send me the statements and a copy of the signed application because I've been experienceing identity theft since XXXX and need evidence to file police reports. I wrote a letter to Capital One and never got any response. I called again today XX/XX/XXXX and was kept on the phone for 1 1/2 hrs while the CSR 's found reasons why they couldn't provide me with the documentation detailing the theft. I spoke with three CSR 's and each put me on hold, then returned explaining that the account was closed and there was no wrong doing found and that I needed to write another letter to get the account specifics. The card that was opened fradulently with my information is a Capital One credit card ending in XXXX. The person overcharged the card but eventually it was payed off and closed. Since XXXX I have experienced identity theft due to the fact that my information has been circulated by criminals for 14 years. I am writing this complaint to hopefully get the documentation needed from Capital One in order to file police reports and show identity theft. SInce XXXX I've recieved W2 's from jobs I haven't worked at. I get auto insurance quotes for vehicles I don't have that were financed with my PII, and bogus collection accounts on my credit reports put there by people who hope I'll just pay without verifying the legitimacy of the fake business name. I'm writing to ask for assistance in getting the fradulent credit card paper work from Capital One to prove this has been happening for years and I'm concerned that something more serious might happen that could be more damaging to me.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

On credit reports, I have found out all XXXX collections happened in the middle of staying in XXXX on the time frame XX/XX/XXXX-XX/XX/XXXX, which in no ways and in no reasons I subscribed these utilities. 
XXXX collections were as follows : *XXXX in XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$240.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... {$320.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$2000.00} I have disputed this problem on XXXX credit report on the ground of alibi with some initial partial result ( Case No-XXXX ). Now comes I would like to dispute the same problems on other XXXX credit reports, Equifax and XXXX. 
I had been XXXX from XXXX XXXX to XXXX XXXX. Upon the departure on XXXX XXXX, XXXX, I deliberately left my house vacant without any authorized occupant at XXXX. By XX/XX/XXXX I was informed that the house had been broken in at least 10-20 times. The valuable properties in the house and the XXXX XXXX XXXX in the garage were stolen. They might include the check books of XXXX banks ; ID and several credit cards ; computers and personal, investment and legal documents, and others. The loss of properties in the house was settled with XXXX by year XXXX. And the loss of vehicle is still dragged on with XXXX.Because the house in XXXX has been extensively damaged without utilities and therefore, uninhabitable ; I had to settle in a house of friend upon the XXXX on XXXX XXXX, XXXX at XXXX. 
Please help me to resolve the problem during the hardship. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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. (NV)

To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.
Consumer complaint received 2021-06-16
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. (NJ)

i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an FTC report also an ftc affidavit and got it notarized i hope this helps
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been asking since the day it appeared on my credit report. I have filed multiple disputes and requested all applications and statements for this account. This account is not mine and never was. I have a lock on my credit and several additional hoops are to be gone through in order to even apply. This again is not mine and never was. They keep selling the debt and ignoring any and all requests by me. 

MIDLAND FUNDING
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (CA)

XXXX was fraudulently opened under my name using my personal records and information to obtain a credit card. THIS IS UNAUTHORIZED. There was a fraudulent charge or {$21000.00} and the account was opened on XX/XX/202. 

I have made several tried to find a solution with the bureau and the creditor. However, I have come to a dead end. Hence why I'm reaching out to the CFPB for help. I have also filed a claim with the FTC.
Consumer complaint received 2023-03-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I have 18 months of mortagage relief payments from the Homeowners Assistance Fund and Flagstar Bank is behind in applying 3 months of my payments from XXXX to XXXX. {$3400.00} is the exact amount currently not applied to my mortgage payments. I have received notices from Flagstar for loss mitigation and even after contacting they still havent applied payments.
Consumer complaint received 2023-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Americor Funding, LLC (NY)

The lender is Credit9. I dont know who they are and I never borrowed from them nor applied for credit with them. They call me almost every day, sometimes multiple times a day. In fact, as of XX/XX/2023, they have called me over 30 times this month alone. They dont leave a message, they just keep calling and calling me. It has become a form of harassment.
Consumer complaint received 2022-02-28
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: Consolidated Information Services Solutions, LLC (FL)

According to the 15 U.S.C. 1681G Law Violation, The company Universal Credit Services XXXX XXXX XXXX XXXX XXXX, PA XXXX. Has been reporting on my credit which states that it is a closed account. This creditor has been reporting on, my account from XXXX XXXX. Please delete.
Consumer complaint received 2019-11-26
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)

XX/XX/18 and XX/XX/18 XXXX made two separate fraudulent hard inquiries to my Transunion report. Transunion has instructed me to contact each company individually and address the fraud myself. Attaching police report filed relating to my identity theft. I have been unsuccessful in reaching XXXX  by phone.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited {$15000.00} at a Bank of America location on XX/XX/2024 at a location in XXXX XXXX XXXX XXXX My account had been set up for me to receive notifications whenever a transaction is being made on my account however Bank of America failed to notify me of any account misuse. My account has been victim to fraud and Ive lost about $ XXXX in funds. 
Upon calling Bank of America they canceled my card and issued me a new one but never protected my account Id like to get my money back, rectify this issue and pursue legal actions against breach in their ability to have fraud protection.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (MO)

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: National Credit Systems,Inc. (NC)

XX/XX/2022 I've been reaching out to this company to remove the alleged debt from my consumer report. While I'm in the process of reaching out to the company they never gave me any supporting documents nor written authorization that I started the debt. Every time I try to communicate with this company to dispute the debt they send me price reduction. The company National credit systems keeps sending me reduce prices of the debt instead complying with my request or showing me proof of the debt. I had the same account on my XXXX and it's still reporting to the other XXXX consumer agencies.