davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below. 

Jefferson Capital Systems # XXXX This item is inaccurate and I am requesting that XXXX have the item removed my credit report immediately. 

Thank You
Consumer complaint received 2021-07-28
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. (MA)

Experian continue to report inaccurate and false information on my credit report with account XXXX. Experian has violated the Fair Credit Reporting Act by not deleting this inaccurate information after I have clearly point out the inaccurate information directly from the credit report. This is a violation of the FCRA.
Consumer complaint received 2021-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

In XXXX, I noticed my credit score took a plunge. I reviewed my reports and XXXX XXXX reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called XXXX and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (OR)

First off, I tried to close my XXXX XXXX Account because of the terrible service and screwy billing, I also could NEVER access my account online due to a software issue on their end, so I could never use my bill pay directly to them. Well, after months of this XXXX I just called to close my account, The customer service agent I spoke to gave me a payoff amount to close the account, I asked if this was all inclusive amount? ( fee 's, interest, balance, everything ) I was assured it was. So I paid the amount and was glad to be rid of this XXXX credit card ... .little did I know that this was just the beginning, two weeks I get an email telling me the I still owed {$37.00}?! I contacted the customer service dept. and was told that a late fee was added onto the account, I told them I had spoken to the service rep and received a TOTAL PAYOFF amount so what was this XXXX? " Well Sir, the payoff was made two days after our billing cycle so this amount was added two weeks later '' and because I closed the account they would not remove the late fee even though they reviewed the phone call to the service rep and agreed that I was " misinformed '' by the rep. " However Sir, there is nothing we can do to remove this fee ''. Because I closed this account this was their last chance to rip me off one last time. So what? I hire a law firm for {$38.00} bill due? or do I just tell everyone to NEVER GET A WOMEN WITHIN Credit Card. Even when youre right, this company will XXXX you over {$38.00} bucks just to pad their wallets. I would give them a minus Star if I could.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I'd like to report fraudulent practices that wells fargo mortgage agent, XXXX XXXX ( XXXX XXXX ), did with us. She told us to lock rate because it was low on a given day and promised us a rate and point level that she can get for us. So we gave her a go-ahead. However, when we got the agreement letter, the rate there was much higher than what XXXX XXXX promised us over the phone. She also promised us we will get a free -relock if the rate went lower which didn't happen either as it's against wells fargo 's firm policy to waive the relock fee.

She mis-led us by making up rate information and offering " sweetener '' that never existed in order to entice customer business. Among my other friends, quite a few of them had similar experience with her and her fraudulent behaviors have been dismissed by her branch manager consistently because she brings in revenue. It is clear that systematic fraudulent practices and misconducts have been happening at her branch for a long time. I am here to request an open investigation into the branch where XXXX XXXX belongs. 

Thank you for you attention. 

XXXX XXXX
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I closed on XX/XX/XXXX on my condo. I couldnt close on the XXXX of XXXX. I paid off over XXXX to Wells Fargo on XXXX. I sold my condo for XXXX. XXXX would think I wouldnt have PMI with that ratio. But, it was simpler to sell my condo than try to get PMI removed!!! Wells and other banks do not make it easy to remove PMI. Btw, my credit score is above XXXX and never missed a payment for over 14 years. I refid in XXXX to get a lower rate. And, still wasnt under the 80 % ratio at the time. My issue is that Wells Fargo charged me another {$95.00} for XXXX after closing and tell me that it is pro-rated and wont refund me that money. Just another jab to get more money! I believe this is criminal! Ironically, I couldnt refi now because it wouldnt be profitable for a lender!! The entire PMI practice is a scam. Why doesnt it automatically drop off? I was told last year that it would stop in XXXX if going by original value to loan. But, that didnt happen. I shouldnt have to pay anything to get PMI removed.
Consumer complaint received 2021-07-28
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-07-28
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: TD BANK US HOLDING COMPANY (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I discovered multiple unauthorized transfer-outs from my checking account, two of these are large wire transfers of {$8900.00} and {$8500.00}. Also on the same day, my husbands phone number was hacked, someone called XXXX  and had his phone number transferred to their SIM card, so he couldnt use his phone number at all that day. We suspect that the thief could do the 'forgot password ' function and use my husband 's phone number to change the password and log on to our joint online banking accounts and transfer our money out. But it's just our guess because the SIM card hack and the unauthorized transactions occur on the same day. On my husband 's bank account, on XX/XX/XXXX and XX/XX/XXXX, there are also unauthorized payments to a bar and places in XXXX  which are totally not done by us as we live is CA, USA. This is clearly an incident of identity theft. We immediately reported to Chase on XX/XX/XXXX, it has been almost 2 months for Chase to do their investigation and we have not heard any updates from them. Chase has not refunded the money from the two large wire transfers. When we called their fraud department ( which we have been doing many times ), we kept being told the same thing that the claims are still in process. This is clearly an incident of identity theft and we would do anything to prove that these transactions weren't done by us, however, we haven't received any form of communication from Chase, not a single phone call. Our bank accounts are deprived of fund. We desperately need our money back and we have been giving Chase almost 2 months to fulfill their customer protection responsibility and refund our money. We need answer. We need our money back. We would do anything to be able to get our money back, including suing Chase for their incompetence in customer protection, as {$17000.00} is almost our entire life saving. We would appreciate any help.

( the attachment is proof of XXXX  notification that the SIM card was changed on XX/XX/XXXX )
Consumer complaint received 2021-08-12
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. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE- Balance {$0.00} -Date Opened : XX/XX/XXXX CAPITAL ONE BANK USA N-XXXX XXXX Balance {$0.00} -Date Opened : XX/XX/XXXX CAPITAL ONE BANK USA - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

This has happened before with this " debt '', XXXX XXXX XXXX ( ambulance company ) has sold the debt to collection agencies - supposedly - which has already been paid in full by the worker 's comp plan. The worker 's comp plan tried to avoid paying the charges, but they are liable and I have written statements from them that they have paid off the debt. Subsequently, collectors allegedly acting on the behalf of XXXX then call me and claim the debt is still owed. It's clearly a scam due to XXXX being negligent in their care with personal information. The latest offender involved is " Credence RSRC '', the dead giveaway being collectors based in XXXX who have no personal information, no customer service skills ( aggressive, unrealistically pushy demeanor ), and a refusal to verify the debt ( ILLEGAL ). Use of robo calling - calls from numbers XXXX, XXXX - to appear local and legitimate. I've confirmed that this charge doesn't exist - certainly not on my credit report after nearly 5 years since the actual charge was created, clearly this is fraud and not a real collection attempt. Cheers!
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX  and 5 on XXXX that I need removed immediately. The companies involved are XXXX XXXX, Capital One, XXXX XXXX, XXXX, and XXXX
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (PA)

I recently found out that I am a VICTIM of Identity theft and that there are several fraudulent items on my credit report that doesn't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

" ENHANCED RECOVERY '' Account # XXXX at XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Has been sending me collection notices in the amount of {$510.00}. The collection has been reported as pass due balance. I do not know this company. This company does not have a contract with my signature.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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.

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 2021-08-12
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. (NV)

On XX/XX/XXXX I submitted a dispute to XXXX, I never received a letter from XXXX with the dispute resolution even that now is more than 30 days that I submitted the dispute to them. Per XXXX agents the Bankruptcy disputed was removed from my Consumer Report, but as I mentioned before I never received a letter from XXXX with the dispute resolution but I did received a Consumer Report and I was able to confirm that the Bankruptcy is not reported anymore. 
After I was able to confirm that the Bankruptcy was removed I opened a dispute with Experian, XXXX  and XXXX. 
On XX/XX/XXXX I received a notification from Experian that the dispute was completed and I got the Report # XXXX with the following resolution to my dispute : Item : Remains The company that reported the information ( XXXX ) has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

This is the clause in Experian Credit report about Public Records : Public Records Information If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , GA XXXX, or visit https : //experianconsumers.XXXX 

XXXX and Experian and playing games with the consumers, when I called XXXX about this situation they said that the public record ( bankruptcy ) was removed from my consumer report and is not longer been reported, and they also say that they don't report information to Experian and any other credit bureau. But when I call Experian they say that XXXX is the one verifying and reporting the Bankruptcy to my Experian Credit Report. 
I am attaching all the documents that I have to support this claim and/or complaint.
Consumer complaint received 2021-08-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (CA)

I was called on XX/XX/XXXX I was left a voicemail by a compliance officer and a case number saying there was a pending case against me not stating what for but threatened to have someone come to my place of residence or employment to sign papers still not stating what for when I returned the call the man stated that they were a debt collection agency attempting to collect a debt owed from a company called midland funding I have a collection on my credit for a midland funding so I thought this was the debt and when asked I said yes that is a debt I owe he then proceeded to say it was for a payday loan I received in XXXX. I asked for proof of this debt as I dont recall and he told me that is what the compliance officer is going to give me when he finds me at my place of residence or employment. They have apparently called me multiple times and now they have left that voicemail again not stating where they are calling from and what the debt is until I returned the phone call and still he didnt provide me with adequate information so I can confirm this debt is me. If Im not mistaken they are required to let me know who they are in the voicemail they left that was threatening which they didnt do and I dont believe they are allowed to come to my job for that.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (RI)

I attempted to put a credit freeze in place with Experian. First I created an account, but found that an Experian account does not allow you to freeze and unfreeze your credit ( compare with XXXX, which makes this easy ). 

I then went to XXXX XXXX XXXX  where I had to re-enter ALL of my information. After doing so with care, I got an error saying " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' and a message asking me to submit the information via SNAIL MAIL. ( Seriously? ) It seems Experian is trying to make it so hard for people to freeze their credit that they won't bother. This is very shady and does not seem like a good faith implementation of the law.
Consumer complaint received 2021-08-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO DEALER SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Statebridge Company (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either