davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 168XXXX. XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Consumer complaint received 2019-12-03
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. (CT)

On XX/XX/2019 XXXX XXXX  XXXX was on my credit report. I tried to contact them but was unsuccessful. I would like this account to be removed as I have no knowledge of this that is owed.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This company is in direct violation of the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report and in has been well established that collection accounts are a transaction and experience.
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Great American Finance Co (PA)

I received a bill from Great American Finance stating that I owe {$3000.00}. I called and emailed multiple times to report this as a fraudulent account since XXXX XXXX but have gotten nowhere in resolving this matter. I first called on XX/XX/23 and was told to send an email with my information to their administrator and I would hear back. Its now XX/XX/23 and I still havent heard anything from them. I called again asking for help and the representative XXXX actually hung up on me
Consumer complaint received 2019-12-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: EASTERN BANKSHARES INC (MA)

I paid of my car loan to Eastern Bank in XXXX on XX/XX/XXXX and i have not received my car title. I follow up with Eastern Bank on XX/XX/XXXX to see where it was. they stated they sent the release to the XXXX on XX/XX/XXXX and that it was no longer their problem. I still do not have my title and eastern bank is unwilling to help with this matter.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-02-07
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: SYNCHRONY FINANCIAL (CA)

Received a PayPal Mastercard on XX/XX/2023. I never applied for this credit card, also I don't have a PayPal account. There was no information of what bank was issuing the card and no financial information including interest rates. There was no return address on the card or envelope only a XXXX XXXX on the envelope.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (AZ)

Paid my Indigo credit card off in XXXX, XXXX. Called and closed the account. Received email statement in XXXX showing account paid off. Fast forward I get an email on XXXX, XXXX, XXXX for a statement. Found that Genesis Credit, owener of Indigo card never closed my account as requested over 7 months ago. Called customer service and they confirmed the account was closed even if I could still access my account via online. I asked why it was never reported closed to credit bureaus. Agent couldnt answer and put me on hold. Rep came back and said that a supervisor was going to start an investigation and I would have the results in 30 days. I told them I was NOT waiting another month! They had 30 days, 7 months ago! I told them I would report them to the FTC. Agent silenced the line. When he came back and acted like I was accidentally put on hold I repeated that I was reporting them for fraud. This account should be closed and show closed on my credit report as of XXXX, XXXX!
Consumer complaint received 2023-02-01
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: Bread Financial Holdings, Inc. (CA)

below companies accepted inquiries even my address was worng. 
Unrecognized credit inquires/ possible identity thief 1. XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXXXXXX  2. XXXX XXXXXXXX a. Inquired onXXXX b. On record untilXXXX XXXX 3. COMENITYCAPITAL/OVRSTK a. Inquired onXXXX b. On record untiXXXX XXXXXXXX 4. XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXX 5. XXXX a. Inquired onXXXX b. On record untilXXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Good Afternoon, Ive recently closed on a home loan and a lender needs to pull my score ; however, no one can get access to it. Im unable to successfully reach Equifax and the other bureaus to have them update this. Im truly hoping that you can help as I just signed the last document regarding closing on the home. Ive never ordered or requested a freeze or hold of any kind. All recent pulls as of the past week only show a 6-month history.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (FL)

On XXXX XXXX, XXXX, someone stole my ss # and personal information and opened at least 10 credit cards in my name. I did not give my information to anyone, nor did I open the credit cards. I desperately need your assistance clearing my name and credit report.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

There is an account reporting on my XXXX  and Experian that is past the statue of limitations yet this XXXX XXXX continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?
Consumer complaint received 2023-01-25
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: W&A Intermediate Co., LLC (FL)

On XXXX XXXX I sent a letter to collection agency Wakefield & Associates. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, Transunion and XXXX are all reporting information on my credit report illegally. 

According to 15 US CODE 1681a the consumer report DOES NOT INCLUDE : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, XXXX, Transunion are reporting late payments on my credit that I never had and should never be recorded ANYWAY if I did have them. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX The late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY to CURRENT so it will stop damaging me financially and mentally. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX the late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY TO CURRENT They are also reporting the transaction and experience I had with XXXX XXXXXXXX XXXX date opened XX/XX/XXXX I NEVER GAVE WRITTEN CONSENT TO REPORT THIS ACCOUNT TO THE 3rd PARTY CREDIT REPORTING AGENCIES. I NEED THIS REMOVED IMMEDIATLEY. 

They are also reporting the transaction and experience i had with XXXX XXXX opened on XX/XX/XXXX I NEVER gave XXXX written authorization to communicate my private and personal info to the credit reporting AGENCIES.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have a wells fargo mortgage that was opened in XX/XX/2011. Unfortunately, I am one of the over XXXX XXXX wells fargo customers whose mortgage account and life has been negatively impacted by their constant unjust and unethical business mortgage practices. This CFPB claim is being filed to request my inclusion in the newest {$3.00} XXXX and/or {$200.00} XXXX in refunds to be distributed. This is all due to them harming their customers. Truly, wells fargo thinks that they are an untouchable giant who can not be penalized for their wrong doing. Their endless cruel, abusive, and deceptive business treatment towards their customers is bold, endless, and totally unacceptable. Personally, they have mistreated me in the following manners : 1 ) consistently overcharging me with multiple PITI payments monthly. For example, charging me upwards of XXXX payments versus XXXX payments per year. Then threatening foreclosure if not paid. 
2 ) holding my XXXX payments hostage in their " Unapplied Funds '' account. Then claiming that I was 4-5 months behind on payments of mortgage. Then threatening foreclosure. 
3 ) unfairly refusing to correct loan modifications, payments paid, ignoring extra payments, etc.

4 ) incorrectly charging me fees, other costs, forcing late fees, demanding duplicate pays, etc.

5 ) refusing to decrease my mortgage balance after extra principal payments paid, etc.

6 ) double charging my escrow homeowners insurance account.

7 ) forcing me into the courts in order to stop their increasingly unfair harassment. 
8 ) transferred my account to their sister company without notifying me or their bank. To avoid mortgage balance correction. Plus, to say they did not have my records anymore. 
9 ) reported my account PIF ( which it is XXXX ) ; yet, is allowing their sister company to charge me {$70000.00}. Again, an incorrect balance. 
10 ) refusing to acknowledge that this mortgage balance is incorrect and they owe me refunds.

11 ) was harassing me to refinance my 15 year mortgage ( half paid off ) to a 40 year mortgage or face foreclosure. Documents available to prove this point. 
In closing, your assistance is sought on two levels. First, to be added in the newest {$3.00} XXXX wells fargo settlement. Second, to assist me in correction of my mortgage balance service issues. Thank you sincerely.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: W&A Intermediate Co., LLC (GA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Highest Balance {$870.00} Creditor Information WAKEFIELD AND ASSOCIATES XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Someone used my information with this company.
Consumer complaint received 2023-01-19
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: W&A Intermediate Co., LLC (TX)

WAKEFIELD & ASSOCIATES has listed the same account twice on all 3 of my credit reports. The alleged amount owed, account number, open date and other information is all identical. Its a violation of my rights under the FCRA for the same account to be listed multiple times
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (FL)

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 Account 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 2023-05-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2023, American Express National Bank closed my High Yield Savings Account without any previous notice. Some days before, on XX/XX/2023 my boyfriend made a wire transfer of XXXX $ to my HYSA. This amount was successfully transferred to the above-mentioned account. Since the bank closed my account, neither I nor my boyfriend could recover the amount anymore. 
So we initiated a process of recall. 
Reaching out to XXXX XXXX multiple times, we learned that to recall the funds they would need the external bank ( XXXX Bank ) to send them a Letter of Indemnity ( LOI ). On XX/XX/2023, an associate sent to American Express the LOI. XXXX XXXX never reached back to XXXX Bank to confirm that they received the letter previously requested and that they were releasing the funds. 
On XX/XX/2023 another attempt was made and another LOI was sent to American Express regarding the return of your funds in the amount of {$1000.00}. 

Please see attach documentation.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Equifax has an Account by XXXX XXXX XXXX listed on my consumer report. I have never done business with this company. Company claims that I owe them money. I've sent my dispute requesting information proof of my debt owed to XXXX XXXX XXXX. The company sent me an unsigned unnotarized statement of charges owed to another company. XXXX XXXX XXXX included a partial copy of a lease contract to which they are not a party. Again, I have no knowledge of this company and I believe that this information belongs to somebody else and is mistakenly appearing on my consumer report. I have included a identity theft report herein.