davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (FL)

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 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 2023-07-07
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXXBalance : {$520.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (OH)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

We bought and closed on the home in XX/XX/XXXX. We live in an area where there has been some appreciation. We have also made some improvements to the house. In XX/XX/XXXX we contacted Wells Fargo Home Mortgage in XX/XX/XXXX to review our options to remove PMI. We were sent a letter dated XX/XX/XXXX that outlined our options. One of such options was to pay {$100.00} for a third party XXXX XXXX XXXX XXXX XXXX XXXX. This is the option we chose. We were told, and the letter stated that our property needed to be valued at {$290000.00}. The Broker, who was also a licensed Appraiser provided his report with a final valuation of {$300000.00}. With our loan balance under {$230000.00}, this put us not only under 80 %, but closer to 77 % LTV. When I followed up with Wells Fargo after receiving a copy of the final report, the Wells Fargo representative stated that we did not meet the requirements, as the investor now required a Loan To Value of 75 %, rather than the previously documented 80 %. The representative I spoke with could not answer any of the questions I had regarding the process and why we were sent a letter that stated 80 % LTV was sufficient, then when we met the requirement it changed to 75 % LTV. I requested to speak to a Supervisor, who stated they would look further into the matter and review the appraisal further. I was told we would be contacted by XX/XX/XXXX with a resolution. On XX/XX/XXXX my wife was contacted and told that they were still reviewing the appraisal and would be back in touch soon, again, with resolution. We have not heard anything from Wells Fargo since.
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

This company has called and harassed me for years. They are calling my family members including my XXXX year old grandmother and harassing her and scaring her to death. They are abusive to her on the phone as well as my elderly parents. I want them to stop contacting any family members of mine immediately. I have repeatedly asked them to stop and they continue to do so. My family members have asked them to do so as well.
Consumer complaint received 2022-09-29
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
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. (NC)

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 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 2023-03-10
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: ALLY FINANCIAL INC. (FL)

On or about XXXX of 2022 someone stole my identity. I found out when I went to apply for a loan. Whoever stole my identity appears to have access to my mailbox in the building I lived. 
These people applied for and received a card from XXXX and spent {$1900.00}. I immediately called the fraud department at XXXX and filed a complaint. After about XXXX weeks XXXX contacted me and said they determined that the charges were not fraudulent and that I was liable. 
They never presented me with the evidence showing that I applied for this card.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/ we transferred XXXX from XXXX XXXX XXXX to Ally savings account for a {$500.00} bonus that was promised by Ally for external {$50000.00} transferred in and maintained in Ally for 3 months. By XX/XX/XXXX we had not received the promised {$500.00} so we contacted Ally and they asked us to wait a week and check back. After a week they still had no solution then they asked us to wait 2 more weeks. Then on XX/XX/XXXX we contacted them a 3rd time and they said they did not have any solution so I asked them to escalate it and they promised to have a solution in 0 to 2 days. So today on XX/XX/XXXX I checked again with Ally and now they say they have no solution nor a date by when a solution could be had. They claim they have a lot of people in the same situation looking for a solution. Today we also noticed that our account activity history was mostly blocked or wiped from our view.
Consumer complaint received 2023-07-06
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. (GA)

I am disputing several items on my credit report which is not correct and need to be removed ENTIRELY. I HAVE PROVIDED PROOF FROM THE COURTS ADVSIING TO HAVE THE ITEM REMOVED
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (WA)

The company had been calling all throughout the year during the pandemic. I told them I didn't have the payment amount so I would pay them when I got the funds or found a better paying job because I was catching up on large utilities. I had had a major repair needed in my home during the winter time of XXXX XXXX XX/XX/XXXX and also was still dealing with the effects of my car burning to the ground in XX/XX/XXXX. 
They said okay and asked me to pay the smaller of the two bank cards. I paid it off and started to work on the next one and they closed the account. 
Since the agreement was verbal and over the phone, they never sent me documentation of it. 
After, I got a hold of XXXX XXXX XXXX and we were writing a proposal deal to their company. When we called them, they offered a Customer Assistance Plan which they developed way later in the pandemic. I reviewed both offers with the XXXX XXXX consultant and I opted to take Synchrony 's CA  plan. Now they're calling me today, stating that I owe them money of {$200.00} overbalance on my account and sent my account to collections per my credit monitoring services. ( Which doesn't make sense because when I log into the account, it shows that I don't owe them a payment till XXXX for {$57.00}. ) Sychrony appears to not be honoring their agreement and has wrongfully sent the account to collections ( which was not in the agreement when the account was changed to the Customer Assistance Plan ). 
It's been over 30 days since the agreement was made and they are calling me today on a collections call on XXXX.
Consumer complaint received 2023-07-26
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shellpoint Partners, LLC (CO)

Shellpoint Mortgage continues to place calls to my cell phone after being told via writing and verbally multiple times not to contact me by phone. In addition to this being an annoyance, I have requested reasonable accommodations from Shellpoint that communication be by email or secure messaging based on a XXXX that impacts my ability to understand and participate in verbal communication. On XXXX XXXX XXXX I disclosed to Shellpoint employee XXXX XXXX that I am hearing impaired and require written communication. This request did not result in any effort from Shellpoint to grant that request for reasonable accommodation. I am currently trying to resolve a past due balance on my mortgage, and Shellpoint 's failure to provide reasonable accommodations may result in losing my home.
Consumer complaint received 2023-10-18
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. (MI)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (IA)

Did 2 cash outs from XXXX XXXX to spruce. The second one went through but the first one never showed on my transctions. XXXX claims they never received XXXX deposit that XXXX XXXX says sent and provided a trace number for which is XXXX. I requested documentation from spruce stating they didn't receive payment which they ignored my request and didn't provide as well as asked for the a payment trace which they wouldn't do or even acknowledge that request just went around it. XXXX XXXX claims they can't refund me and or reverse the cashout without a dispute even though I provided the screenshots for the chat conversations with spruces live chat and my transctions Which does not show a transcation or deposit for XXXX
Consumer complaint received 2023-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

I opened a new account with Ally Bank on XX/XX/22. Since that time I have been unable to change my statement settings to electronic. I continue to receive an error message telling me my settings could not be saved and to try again later. Now more than 2 months later, this issue is still unresolved. Ally Bank refuses to assist and continues to tell me their tech team ( who they won't let me speak to ) is working on it and IF they receive anything further, they're reach out to me. This is absolutely unacceptable and I view mailed statements as a security issue. I do not want my statements mailed to me, I want them electronically.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE (LA)

Hi my name is XXXX XXXX XX/XX/1957 XXXX I have been totally abused by this bank from my Character as a XXXX year old veteran of The United States Military first and far most but more importantly as a American Citizen of the USA I went through and still going through things to where my Health plays a very big part of my life my daughter died from XXXX and I'm raising my Grandchild and being the soul provider of my family working 6 days a week for me to be locked outta my account for a month and 2 weeks to being back in my account jus to be kick out 20 mins after Know I have one of your personal telling me I can't close my account because I refuse to lay down to this dramatic treatment is very ridiculous and I want stand for it hopefully someone hears me because some at this bank don't. Not mention you have maybe a great Manger at one of your banks as being at the job he does but when it comes to helping a customer he has NO RESPECT AT ALL I've fought and been XXXX twice in XXXX yrs for our country and he'd rather treat and discriminate me as a criminal but I want be terrified of anything on my own Soul he's rude and evey Military Base in the United States will hear bout this when I'm done I been fully verified by this bank I'm a XXXX yr old man who jus doesn't have the time or patience for this anymore I have a XXXX XXXX  with my NEICE whom is the XXXX XXXX  a XXXX XXXX I'll will have my day Thank you Sir.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I got a notification on my credit report that a collection was added to my credit report from Helvey and Associates onXX/XX/2019. I never received a letter about this debt, it just showed up on my report. I sent a debt validation letter to Helvey and Associates on XX/XX/XXXXrequesting validation of this debt. I have not received any response from this company about the debt they claim I owe. 

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.
Consumer complaint received 2024-02-19
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. (NY)

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 2023-03-07
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-10-17
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)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-06
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.