davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2022 I saw an unauthorized XXXX purchase on my bill. I contacted the bank, which said the buyer 's name was my wife 's and the delivery address was my home, but the person who signed for the package was someone we didn't even know. First of all, I didn't know that online store and I have never bought anything from this website! Second, my family and I have absolutely no experience buying a XXXX XXXX, and the online store is in XXXX XXXX XXXX, while we live in XXXX XXXX, California. We don't know why my wife 's information and my credit card number were stolen. But the bank won't dispute a purchase I didn't authorize. I felt ridiculous. I couldn't agree with the bill because I had never made the transaction. I didn't make this purchase.We never received the XXXX package, and it wasn't signed for by me or my family. So I think the bank will have to dispute the deal for me.
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that there was a new account which is erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00}
Consumer complaint received 2023-01-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In XXXX of XXXX I went to XXXX XXXX XXXX located on XXXX XXXX XXXX here in XXXX ny to purchase a vehicle upon arrival I noticed a XXXX XXXX XXXX sport with XXXX miles on it with a price of {$7900.00} that I was interested in I spoke with the XXXX gave him a {$3000.00} down payment in cash he ran my credit at the time it was horrible XXXX score and he told I got approved with XXXX XXXX XXXX  for payments of {$220.00} a month totaling to {$12000.00} total for the vehicle I signed and when I got home and I went over contracts and paperwork and noticed I was paying outrageous numbers in interest by then it was too late XXXX years later now I am at a balance of {$800.00} ive paid my loan down faithfully because I never wanted to get repossessed this is my first time ever as a single mother financing a used vehicle at that and I know I got scammed horribly when I called auto dealership to speak with owner about this issue I was told by her its all my fault I should have read between the lines over the phone I am devastated it wasnt until a few days ago I saw XXXX is suing credit acceptance for wrongful charging customers high interest rates for years I am a victim please help me I would like my account reviewed investigated please help me I would like a full refund of amounts I was over charged I shouldnt have been ever paying for and I would like my remaining balance erased so I no longer have to keep paying the outrageous interest fees please help me thank you!.
Consumer complaint received 2023-05-12
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. (MD)

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 2023-01-15
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2023-01-15
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. (IL)

Im XXXX of 2020 I submitted a dispute via phone with Experian. They investigated and some items were corrected others were not. I just reviewed my report and there are still some incorrect information. Tried to dispute via online. Experian notified me they would only investigate XXXX items. Basically the items I disputed in XXXX they would not reinvestigate. They are reporting incorrect information on items that have been sold to debt collectors and accounts that are supposedly close.
Consumer complaint received 2023-01-15
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. (GA)

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

Account Name : XXXX XXXX XXXX  Acct XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX Bankruptucy Acct # XXXX Account Name : XXXX XXXX XXXX XXXX. Act # XXXX Account Name : XXXXt Acct # XXXX Account Name : XXXX Acct # XXXX Account Name : XXXX XXXX of XXXX Acct # XXXX Account Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX Account XXXX : XXXX XXXX XXXX Acct # XXXX Account XXXX : XXXX. Acct # XXXX Account XXXX : XXXX. Acct # 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 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 XXXX 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 an accurate.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

NATIONAL CREDIT AUDIT reported an existing account on my name with the amount of XXXX $ and opened XXXX/XXXXXXXX and the last reported was on XX/XX/2022 with a debt that is not mine.
Consumer complaint received 2015-09-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

My mortgage was sold to LoanCare. I have my loan payments to my mortgage/escrow account automatically deducted from my checking account each month. I ave never been late or missed a payment. I received notification from my homeowners policy holder XXXX that payment for my homeowners policy had not been received for the past two month and that my polcy was thus cancelled. I in no way was informed nor authorized any changes to my escrow account
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX XXXX on a payment of {$4700.00}, I was scammed on the website : XXXX XXXX. The name of the scammers or sellers, ( whatever you prefer to call them ) is XXXX XXXX XXXX. I had purchased what was described as sXXXX XXXX XXXX by their respective actors. However, what I received was fake XXXX XXXXs with fake signatures and a fake and XXXX certification company. I have countless proof that the items the sellers sent me were fake and not as described per the listings. Attached you will see pictures of how they demonstrated and told me the items were authentic and legit. However, you will see that I used a reputable third party to check and they told me the auto was unlikely to pass any verification. Their so called " authenticator '' is a company based in XXXX ( for american autographs ), whose site site ends in " .net '' The sellers also claimed to be from the XXXX XXXX however upon arrival of the items the invoices said they were from XXXX XXXX XXXX XXXX and even used XXXX to deliver. XXXX is usually only used for International shipments. Furthermore, not only were all the items counterfeit but I already returned them all to the seller and have proof of delivery however sellers refuse to send my money back so I am left without the fake merchandise and my money. Almost {$5000.00} was stolen from me in this manner. Whats more? XXXX XXXX ( the website ) and my bank ( Chase ) instructed me to return the items to the merchant. And now the sellers have not returned my money. Chase did not even look at the dispute the first time even though it was extremely clear the merchants were scammers. Then they for some reason let it slide or just ignored my dispute to which I had to appeal and open a new dispute just for them to say after months of waiting that the time period was over. I have been extremely cheated by Chase and will seek legal action if needed.
Consumer complaint received 2023-01-21
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

REGARDING RESPONSE TO CFPB COMPLAINT XXXX I HAVE READ SUBMITTED RESPONSE BY WELLS FARGO XXXX THE INDIVIDUAL WHO SIGNED THIS LETTER IS NOT IN THE EXECUTIVE OFFICE, THE INDIVUAL IS A PERSONAL BANKER AND I HAVE NEVER SPOKEN TO ANY ONE FROM WELLS FARGO NOR THIS RESPONDANT WHICH IS STATED WITHIN THE WELL FARGO RESPONSE, THIS LETTER IS FRAUDLUENT AND WAS WRITTEN BY SOMEONE AS DIRECTED BY XXXX XXXX XXXX XXXX XXXX WHO SERVED AS VP FOR WELLS FARGO. THE RESPONSE WAS WRITTEN AS IS I WAS INQUIRING IN REGARDS TO AN INITIAL LOAN IN XXXX XXXX XXXX. THIS DATE WAS LISTED WITHIN THE LETTER IN ORDER TO INTENTIONALLY DERAIL ME AND OTHERS. THE LOAN OF XXXX WAS TAKEN OUT YEARS LATER AFTER XXXX UTILIZING A FRAUDULENT POA WITH MY NAME ON IT. FURTHER MORE IN XXXX XXXX XXXX UNBEKNOWST TO ME XXXX XXXX AND HER FATHER XXXX XXXX WHERE INVOLVED IN OBTAIN FRAUD LOANS ON MY CURRENT PROPERTY XXXX XXXX XXXXXXXX XXXX, XXXX XXXX TEXAS. ON XXXX THE HOME AT XXXXXXXX XXXX XXXXXXXX XXXX WAS OLD 3 TIMES WITHIN ONE DAY. 2 TIMES TO XXXX XXXX AND ONE TIME TO BOTH MYSELF AND XXXX XXXX. AFTR FURTHER RESEARCH THE INITIAL SELLERS OF THE HOME WERE INVOLVED IN ADDITIONAL REAL PROPERTY PURCHASE INVOLVING XXXX XXXX AND XXXX XXXX XXXX, AS STATED ALSO, MY BROTHERS HOME XXXX XXXX XXXX, XXXX GA WAS ALSO UTILIZED BY XXXX XXXX AND HER XXXX XXXXXXXX XXXX TO OBTAIN A FRAUDLUENT LOAD VIA WELLS FARGO. GIVEN XXXX XXXX SITS OR SAT ON THE FEDERAL RESERVE BOARD OF TX AND AGAIN THE VP FOR WELLS FARGO, '' ACCORDING TO XXXX XXXX '' THEY HAVE ACCESS TO ANY AMOUNT OF MONEY. 

MY BROTHERS INFORMATION WAS STOLEN AND UTILIZED BY THE XXXX IN ADDIITION TO THE MORTAGE FRAUD MY XXXX XXXX XXXXXXXX PREVIOUSLY HAD WHEN THE HOME WAS PURCHASED IN XXXX. 
BOTH ARE CONNECTED TO THE BANKRUPTCY COURTS IN BOTH XXXX  ABD XXXX AND HAVE NOT ONLY DAMAGED MY LIFE BUT HAVE COMPLETELY DAMAGED THE LIVES OF MY XXXX AND OTHERS. THEY STEAL PROPERTIES AND INDIVIDUALS INFORMATION FROM THE BANKRUPTCY COURTS WITH THE ASSISTANCE OF TRUSTEES SUCH AS THOSE IN XXXX AND COMMIT MORTGAGE FRAUD. MY XXXX ; S LIFE IS A COMPLETE DISASTER AS A RESULT OF THE INITIALS INDIVIDUALS INVOLED IN THE FRAUD PERTAINING TO ALL OF HIS REAL PROPERTY AND THE XXXX ADDED ADDITIONAL LAYERS ALONG WITH THE XXXX TRUSTEES AND JUDGES IN XXXX 



ALSO, MY MOTHER XXXX XXXX FILED A CFPB REPORT AGINST WELLS FARGO THE XXXX BEFORE MY INITIAL COMPLAINT WAS FILED XXXX, SHE REQUESTED A COPY OF THE XXXX CHECK WRITTEN TO XXXX XXXX AND MYSELF AS A WEDDING GIFT MEMOED AS DOWN PAYMENT FOR XXXX XXXX XXXXXXXX XXXX THE CHECK WAS WRITTEN IN XXXX FOR THE XXXX XXXX XXXX PURCHASE. WELLS FARGO REFUSED TO RESEARCH AND LOCATE THE CHECK FOR HER DUE TO BEING GIVEN DIRECTIVES BY XXXX XXXX, IT APPEARS HER COMPLAINT IS NO LONGER IN THE CFPB SYSTEM AND WELLS FARGO DID NOT RESPOND. IS THERE CORRUPTION WITHIN THE CFPB SYSTEM?
Consumer complaint received 2023-01-21
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$5100.00}
Consumer complaint received 2017-07-31
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. (TX)

I am a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX  opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( XXXX and Experian ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit.
Consumer complaint received 2019-12-12
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. (TN)

I have been disputing these accounts for a while with no success, I did not open these accounts and did not receive any mo-notary gains nor services. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AR Resources, Inc. (PA)

My name is XXXX XXXX, date of birth is XX/XX/XXXX, XXXX is XXXX. 

AR Resources XXXX XXXX XXXX needs to be removed from my credit for the following reasons : The alleged dollar amount is incorrect. I received correspondence indicating that {$240.00} was owed ( see attached ), then correspondence alleging {$200.00} was owed. 

Nothing is owed and nothing was ever owed. This was paid by insurance. Although not owed, the alleged debt was paid on XX/XX/XXXX ( see attached ). 

Further, paid medical debt that was in collections can no longer be included on consumer credit reports ( see attached ). 

If this is not removed on or before XX/XX/XXXX, I will be filing suit against both XXXX XXXX and AR Resources. 


Thank you for your time and attention to this matter
Consumer complaint received 2020-02-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (MD)

ON XX/XX/2019 XXXX XXXX OF NATIONWIDE MORTGAGE BANKERS INC ORDERED A VA APPRAISAL OF PROPERTY XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX. THAT APPRAISAL WAS ASSIGNED TO AND COMPLETED BY XXXX XXXX OF XXXX XXXX XXXX, XXXX THE FINISHED APPRAISAL REPORT WAS UPLOADED TO THE VA PORTAL ON XX/XX/2019. THE AMOUNT OWED FOR THIS COMPLETED SERVICE IS {$520.00}. NUMEROUS ATTEMPTS OF COMMUNICATING THIS DEBT HAVE BEEN MADE. LATE FEES HAVE BEEN ADDED IN REGARDS TO THIS NONPAYMENT.