davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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. (CA)

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, about the unauthorized accounts that appears on my credit report I request these following accounts to be delete and removed off my Equifax credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$8800.00} Account XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$5200.00} Account # XXXX, " XXXX XXXX XXXX OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$6900.00} Account # XXXX, " U S DEPT OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$3400.00} Account # XXXX, Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report, and my XXXX credit report due to my identity been stolen.
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MI)

An unknown person stole my identity about a month ago. They even came to my house to steal SIM cards they ordered from XXXX XXXX XXXX in my name, so they know where I live and have interfered with my mail. They tried to open checking accounts with a number of institutions, many of which blocked them. 

Chime, which is owned by XXXX XXXX XXXX, allowed them to open an account and even sent a checking card to my house. When I tried to cancel the account, they told me that they couldn't find it even though I had the account number and card number. I'm afraid this person has somehow changed the name or social security on it and is using it right now.
Consumer complaint received 2024-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (TX)

This debt was initiated by XXXX XXXX XXXX and was placed on my credit report with first notification when I responded and ask them to verify the death and all details connected to the debt they did not respond in XXXX and discharged the death off my credit report. Through monitoring continually my credit i realize the same debt reappear after XXXX under Debt Recovery Solutions LLC. At this time they began to call and hang up several calls per day and only when I call back would they communicate in return. I had one phone conversation where I asked them to put me on a do not call list and send something by mail. This is when I got the full name which they do not disclose in calls so I could respond by mail per FDCPA laws. On XX/XX/XXXX they were sent a letter by mail ( which is included in attachments ) stating the violation of FDCPA for failing to communicate with me before placing a debt on my credit report and I ask them to validate the debt with an itemized summary and Texas surety bond #. In Texas no debt collection agency can call or send anything by mail with out XXXXne. They never responded with all information and deleted the debt off my credit report. I contacted all 3 major credit bureaus by stating I was cleaning up my credit and monitoring it when this creditor Debt Recovery Solutions LLC placed it on my credit report illegally. For XXXX I heard nothing of said debt now Debt Recovery Solutions LLC has started calling and hanging up several times a week again. If they do respond they do not give their name just attempt to fish for information asking me to confirm things. When I refuse to confirm they hang up or persist with questions. I have told them I only communicate in writing place me on a Do Not Call List. I also received a letter about the debt where collection figure has now been inflated to appear as new debt. In the state of Texas Creditors can only contact a potential debtor for XXXX from the original creation which was XX/XX/XXXX. By FDCPA if a Creditors fail to provide validation of debt within XXXX of written notice debt shall be removed indefinitely. Because the debt was placed on my credit report illegal initially and removed for XXXX and is now trying to be reactivated as a new debt i am filing this complaint. As I stated in the letter XXXX ago when I wrote unto them I will pursue legal actions this time. Next I will also file with my state attorney general concerning this now " Zombie Debt. ''
Consumer complaint received 2021-12-13
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: SYNCHRONY FINANCIAL (MA)

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : SYNCB/LOWE 'S XXXX XXXX XXXX DATE XX/XX/2021
Consumer complaint received 2021-12-13
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. (MA)

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : EXPERIAN XXXX XXXX, INQUIRY DATE XX/XX/2021
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

At the end of XX/XX/2021, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. My payments since are on time factoring in delays on the bank side in finalizing the COVID-19 Payment Deferral Arrangements. However the bank has charged me late fees and charges on my loans, has reported me as not current to the credit bureaus and has started moving the properties to foreclosure.
Consumer complaint received 2021-12-13
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. (CA)

XXXX Bank has a duplicate account being posted on all XXXX of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all XXXX bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has XXXX late payments on a secured credit card and one has XXXX late payments on another. Now according to 1666b. 
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Consumer complaint received 2021-12-13
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. (CA)

XXXXXXXX XXXX has a duplicate account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has 3 late payments on a secured credit card and one has 4 late payments on another. Now according to 1666b. 
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Consumer complaint received 2024-05-22
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: Spring Oaks Capital, LLC (FL)

Springs Oak Capital stated they purchased this debt and that it is accurate. I disagree with their findings furthermore after pulling the original companies bylaws and incorporation nowhere listed did they state that Springs Oak Capital would be a party to their business operations. Also I would like Spring Oak Capital to take notice of federal law that states transfer of an instrument does not give rights for enforcement. This is my final attempt to get Spring Oak Capital to remove their entry from my consumer report or forward their authority to collect on behalf of the business and their exemption from following mandatory federal laws. If no such documents exist I will give you 14 days from the date of the filing of this complaint before I move for immediate court action and this is your legal notice. 

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Consumer complaint received 2021-12-13
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: Credit Plus Inc (MA)

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR XXXX CREDIT PLUSXXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX INQUIRY DATE XX/XX/2021
Consumer complaint received 2015-06-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RMB, Inc. (AL)

RMB Inc has posted an account on my credit report in the amount of {$5400.00}. I was covered under Alabama XXXX XXXX at the time of the service due to pregnancy. I believe that RMB should be pursuing Alabama XXXX instead of me for payment of this bill. The account number is XXXX.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (GA)

Homebridge financial Services is a home loan servicing company that is reporting inaccurate information to the credit bureaus about my home loan. XXXX reported to XXXX and XXXX that I " pay as agreed and that my loan was transferred to another company '', but it is currently reporting negatively to XXXX that I have " XXXX late payments ''.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022 I was scammed a total of {$1300.00}. I had received a very convincing receipt from XXXX for {$500.00} regarding purchasing bitcoin. I called the customer support line to refute this charge. The number was XXXX. 

I was in a panic because this was a lot of money. The man on the other line who was very convincing as a customer service agent had claimed that the purchase came from Texas. To verify who I was and where I lived they wanted to verify my IP address. In doing so they told me to XXXX them and the money would come straight back. I was to XXXX XXXXXXXX XXXX  ( XXXX ) ( XXXX ) {$1300.00} who I believed to be the supervisor which would send right back. Again in a panic without thinking I sent the money to which it was never returned. 

I immediately went to my nearest Wells Fargo and explained the situation. We then made entirely new bank accounts for me but was told they were not able to cancel the transfer even though It was not even half an hour since the money was sent. 

XXXX would do nothing and claimed that my bank ( Wells Fargo XXXX had a chance of fixing this. 

This XXXX transfer happened under false pretenses and should not be considered valid. It's been a year later and I'm still trying to recover from this wrong that has been done to me. I don't understand why I've been refused justice and it's been incredibly disheartening that Wells Fargo has no sympathy for their clients who put in their trust and money which keeps them running. 

{$1300.00} may not seem like a lot of money to Wells Fargo but it is to many people. That amount of money can really help others like me. 

I plead my case that Wells Fargo does the right thing and consider my scam and making it right. Thank you for your time.
Consumer complaint received 2024-05-07
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. (FL)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, FL XXXX should be no other names or addresses on my consumer file. My employer is XXXXXXXX XXXX XXXX  there should be no other employment information on my consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.