davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) XXXXXXXX XXXX is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
XXXX XXXXy has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

WF CRD SVC I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2023-06-14
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. (TX)

My name is 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.
Consumer complaint received 2023-06-14
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. (VA)

My name is 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.
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (TX)

Please see the attached EQUIFAX data breach claim and FTC report and remove the following unauthorized accounts and inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates. XXXX, Equifax, and XXXX have completely disobeyed FCRA. they have not removed any late payments or Identity theft from my credit reports. 
Please ensure that all information is corrected according to the Fair Credit Reporting Act 's. 
So, I'm requesting that they delete all the following ACCOUNTS AND LATE PAYMENTS FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2023-08-18
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

In the past 3 years ( since XXXX ) Ive lost or got my wallet stolen a total of 3 times and been having to replace cards and ids since .I recently logged into XXXX to check my credit score just to see a lot of fraudulent activity hurting my credit .I started to look into it and seen that someone had been using my identity to rent and buy things with my acknowledgment or consent a collection fee of XXXXXXXX XXXX
Consumer complaint received 2023-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I started a loan application with US Bank for a fixed XXXX mortgage. 

On XX/XX/XXXX, I was provided disclosures for loan. 

On XX/XX/XXXX, the processor XXXX XXXX reached out to me regarding some items required, in addition to everything I'd already uploaded. 

On XX/XX/XXXX and XX/XX/XXXX, I was asked for additional items, which I provided. 

On XX/XX/XXXX, I was asked for a mortgage statement, that I'd previously provided. 

I didn't hear anything again until XX/XX/XXXX, where I was sent an adverse notice of action denying my loan due to " high DTI ''. 

I know how to calculate DTI, and my own calculations put me well under any threshold they may have, so I'd like to see the calculations for my Debt, and for my Income. If US Bank thinks my DTI is too high, they must have made these calculations, so I'd like to see them, as they were not provided to me in any medium. 

I was not given any opportunity to discuss or find a resolution, the loan was simply sent for denial which is suspicious, as it hints that US Bank never had an interest or intention to lend the money. Otherwise, they would have suggested getting a co-signer or possibly borrowing less money.
Consumer complaint received 2023-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing one CAPITAL ONE credit card account on my Social number. but I never applied for CapitalOne credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is capital one account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's credit.
Consumer complaint received 2023-07-02
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My Information was sold and bought illegally because I was a victim of the Equifax data breach. This resulted in numerous fraudulent accounts being opened due to Identity theft, I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

The name should be listed as XXXX XXXX XXXX XXXX. 

The current address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Accounts listed in error : Name XXXX XXXX Account XXXXXXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paypal Holdings, Inc (NJ)

XX/XX/2023 {$640.00} Purchase XXXX XXXX XXXX ; XXXX GB, XXXX and Unlocked I tried to email PayPal ; to no avail I called PayPal support number ; XXXX. XXXX. Tried to access my laptop. 

XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( obviously not me ...!!! )
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I mailed Experian and XXXX credit bureaus about investigating and removing unfamiliar accounts on my credit file. The letter sent requested a response within 30 days. I have not gotten a response.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

I purchased a vehicle from U.S Auto Sales XXXX XXXX XXXX XXXX XXXX XXXX. I paid {$1300.00} down and since XX/XX/2023 paid {$2100.00} of payments towards the vehicle. I received a letter that the company was closing in XXXX, XXXX XXXX XXXX I received a letter from Westlake Portfolio Management , LLC about taking over the loan for {$22000.00}, the starting cost before I paid the down payment and any payments towards the vehicle, so basically what I paid in I loss, and that's not fair to me, because I'm not the reason the company went out of business.
Consumer complaint received 2024-02-06
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. (FL)

I never gave any written consent to furnish any private information to any corporation. 
As of XXXX XXXX XXXX has reported an account to my credit report of {$8100.00} with XXXX consent from myself. 
Account # XXXX They have violated my rights and have humilated me in front of friends, family and work place. 
My credit went from XXXX to XXXX in the matter of a month do to this fraudulent activity. 
I can not apply for any of my own credit do to this fraudulent activity. 
I exercise my rights using the federal codes and demand these accounts be removed from my report immediately. 
15 US Code 1681c 15 US Code 1692
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (TX)

On XX/XX/24, I sent a dispute letter first class to Equifax informing them that there are some unauthorized inquiries on my credit report. Furthermore, my information was compromised in the Equifax data breach in which I provided my claim Id. I have since submitted a FTC report to report this. I received correspondence from Equifax stating that I needed to submit my dispute online and provide the confirmation number given along with my identification, which I think is a stall tactic because I already submitted proof along with my identification. I am attaching my dispute letter as well as my claim ID along with the confirmation number so that Equifax can proceed with removing these unauthorized items caused from their data breach from my consumer report. These inquiries are to be removed from my credit report within 14 days, or I will have no choice but to pursue legal action against Equifax as I have this right as a consumer.
Consumer complaint received 2017-05-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit Financial Corp. (FL)

Summit Financial Corporation is  stating that I owe  XXXX  different amounts on all my credit reports. I voluntarily surrendered my vehicle abo ut two m onths ago. The vehicle was sold about a month ago and my credit reports are not indicating the right amount owed. They immediately reported to my credit report that I surrendered the vehicle but has not decreased the amount owed on any of my credit reports. I was advised verbally that the amount owed after the vehicle was sold was a little over {$8000.00}. My  XXXX  Credit Report is showing I still owe {$12000.00}, my  XXXX  Report is showing I owe {$13000.00} and my   XXXX   Report also has an incorrect amount owed.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus.. XXXX ,  XXXX , Equifax and asked them to show the case as closed / discharged.      I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all three bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZWICKER & ASSOCIATES (WA)

I am writing to express my grave concerns and to file a formal complaint against XXXX XXXX, their legal representation, Zwicker & Associates, and notably, XXXX XXXX XXXX, regarding an account under my name. 

Overview of the Issue : Initially, I faced a debt with XXXX XXXX of {$6600.00}. With a genuine desire to resolve the matter, I settled the debt for {$3600.00}, agreeing to a payment plan of XXXX XXXX  monthly. 

Everything proceeded smoothly until XXXX, when I had to close my bank account due to fraud. I immediately reached out to Zwicker & Associates, hoping to adjust my payment method to my new bank account. However, they insisted on only speaking to my attorney. 

The journey with my legal representation has been tumultuous : In XXXX, I sought assistance from the XXXX XXXX XXXX ( XXXX ) for debt settlement. 
By XX/XX/XXXX, my case transitioned to XXXX XXXX. 
Eventually, my case was handed over to XXXX XXXX XXXX. They have been particularly non-communicative and appear to be in violation of ABA rules 1.3, 1.4, 1.5 ( b ), and 1.9 by not replying to me or other litigants. 
XXXX XXXX XXXX 's lack of communication left me in a precarious situation when Zwicker & Associates took the drastic measure of filing for an interrogatory with the court, aiming to garnish the full amount. 

Remember XXXX stated I could not pay them directly because I had to have my attorney involved and yet they felt it appropriate to communicate with me directly regarding an interrogatory. They seem to want to have their cake and eat it too. 


Current Situation and Plea for Intervention : The absence of communication from XXXX XXXX XXXX and Zwicker & Associates ' refusal to liaise directly with me has left me cornered, even though I have shown nothing but willingness to resolve the matter.
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

disputed incorrect information with Transunion TWICE regarding account XXXX issued by XXXXXXXX XXXX I have supplied documents to support facts, Trans union needs to STOP parroting e-oscr and investigate and properly update said account they are in violation of the FCRA again ... ... .....
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

Afni is stating that I owe a debt in the amount of {$330.00}, the original creditor is  XXXX . I have repeatedly disputed this claim several times via mail for about a year, because this is not my debt and fraudulent activity with this account. I never signed a contract with Afni or  XXXX . I attempted in good faith to offer a pay for delete and never received a response from Afni. I would like this account immediately deleted from all my credit reports as I am not the owner of this account.
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (TX)

I was apart of the equifax leak. Since then I've constantly had issues with Equifax, and only equifax. Every so often I get a new inquiry or account on my report that is unrecognizable. I immediately dispute and send supporting documents but they refuse to research or correct their issues. I have been wrongly treated by this bureau for many years. They are very unprofessional and condescending. My report should have XXXX inquiry, they've allowed XXXX.
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-06
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)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023, my family member sent me {$1000.00}, but when sending, the bank accidentally missed one digit of my account. After about 1-2 weeks, the sending bank corrected this and informed the receiving bank. To this day XX/XX/2023, the sender bank reports that the money has been delivered to the bank, while Capital One Bank says that the money has not been received.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (NY)

I have XXXX hard inquiries pull without my authorization made on XX/XX/XXXX XXXX XXXX JPMBC card services CFNA ( hotel and travel )
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received a credit card that I did not apply for, according to the credit card company I applied on XX/XX/XXXX and received it XX/XX/XXXX. 

I did not apply for a credit card with in the last two months.