davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY (CA)

A judgment was issued against XXXX XXXX XXXX XXXX by XXXX XXXX labor comissioner on XX/XX/2019 and the writ of execution was issued on XX/XX/2019 by the XXXX XXXX courthouse. the writ of execution was served to the Wells fargo Bank in XXXX branch on XX/XX/2019 in the amount of {$3000.00}. Usually they have 10 days to respond but its been 18 days and I have got no response from the bank.
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

I do not have a contract with this company IQ data. This company continues to report inaccurate information and they are reporting charges that I do not owe! The company they are working with is XXXX XXXX XXXX ( sure deposit ) i have uploaded a copy of the letter from them stating the information reporting on credit file is inaccurate and they are going to fix this issue I do not owe IQ data never had a contract with them this company was reporting I owe them XXXX but is reporting on credit file as XXXX the balance entire acct is not mine I have never lived in XXXX the XXXX XXXX they are referring the debt to.
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (TX)

XXXX XXXX XXXX is in clear violation of the law for furnishing an inaccurate collection account on my consumer report with an alleged debt of {$440.00} to REVVI XXXX XXXX XXXX on ( XX/XX/XXXX ). 
I have not given XXXX XXXX XXXX or REVVI XXXX XXXX XXXX written permission or authorization to report any information on my Credit Report and according to 15USC 1681 ( b ) Section 2 ; XXXX XXXX XXXX has no PERMISSIBLE PURPOSE by LAW to contact Third Parties with my private or personal, nonpublic information. Your offenses to reporting this alleged debt amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a Felony punishable up to 2 years of imprisonment in addition to civil liability along with defamation of character. 
Under the New Rule REGULATION F which took effect on XX/XX/XXXX, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule XXXX XXXX XXXX must CEASE AND DESIST the reporting of this debt immediately or I will escalate this matter by taking Legal Action against your company for your willful noncompliance. 

15USC 1692 ( c ) c Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt. 
I refuse to pay this alleged debt, CEASE AND DESIST all collections activity regarding this alleged debt and you must not report this alleged debt to any Third Party or Consumer Reporting Agency.

I am very certain that XXXX XXXX XXXX or REVVI XXXX XXXX can not provide me with an original signed consumer contract that gave permission to report this inaccurate information on my report and it is no other than UNLAWFUL for REVVI XXXX XXXX to sell my information to you a debt collector when I am the original creditor. ONLY I CAN VALIDATE THIS DEBT AND I DO NOT DELETE THIS ACCOUNT IMMEDIATELY OR YOU WILL BE LIABLE FOR YOUR UNLAWFUL ACTIONS.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX Fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 My only employer is XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-01-25
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)

I XXXX XXXX has been a victim of identity theft. Please see attached. Ive been sending information in for the past 6 months or more. 
15 USC 1681-2A Please see attached ftc report & identification
Consumer complaint received 2022-01-25
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 XXXX XXXX has been a victim of identity theft. Please see attached. Ive been sending information in for the past 6 months or more. 
15 USC 1681-2A Please see attached ftc report & identification
Consumer complaint received 2019-10-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I wrote a letter to XXXX/Dept of Education asking them to remove the late payment from my credit report on a good faith adjustment. They never responded to me. On XX/XX/XXXX, I wrote the first letter to Experian to dispute my report as well as sent them the information showing that XXXX received my letter and documentation and never responded. When the investigation was completed, nothing had been changed. On XX/XX/XXXX, I wrote my second letter to dispute false reporting on XXXX because it is being reported that I was current XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but 90 days late in XX/XX/XXXX. When I received notification that the investigation had been completed, once again nothing had been changed. 

I am filing a complaint on Experian. Based on the Fair Credit Reporting Act, they are responsible for reviewing the accuracy of the disputed item and that has not happened.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am currently on a UI claim through CA EDD. On XX/XX/2021 I had {$1000.00} debited out of my Bank of America account at an ATM in XXXX, CA. The entire time I had my card with me and was at work. I immediately called Bank of America, filed a fraud claim, was told I would receive my {$1000.00} back within 10 days and have my claim resolved within 30-45 days. Meanwhile, I received a new EDD prepaid debit card and tried to activate it on Friday XX/XX/2021. My account was closed due to the fraud claim and I was not able to activate the card. I called EDD to see if something had happened to my claim- my claim was fine. I verified my ID and had the EDD send that verification to BofA on XX/XX/2021. During that time I was also calling BofA to see what I could do to open my account. I was getting various answers from the representatives and constantly being shuffled between EDD and BofA. My claim was officially closed a week after I reported the fraud and no money was ever returned to me. I requested paper checks from the EDD but have yet to receive my money via paper checks ( certified XX/XX/2021 and am still waiting ). On XX/XX/2021 Bank of America told me that my account info had been sent to their back office for review but they do not have an estimated time frame as to when my account would be reopened. I have spoken to numerous Tier 2 representatives who have all said the same thing, that " they do not know when my account will be opened. '' Without my account being opened, I am having a more than difficult time getting funds from the CA EDD and have not been able to open my fraud claim/ get my {$1000.00}. One BofA agent warned me against opening a fraud claim, saying " Be careful about opening another fraud claim because the EDD could freeze your account again. '' However, it is BofA that won't release the freeze on my account. I have reached out to my local representative in hopes that they help me get this resolved but they told me it might take 6-8 weeks or longer to hear a response ( XX/XX/2021 ). I also have gotten the number for Bank of America 's legal department and am considering getting a lawyer if this continues.
Consumer complaint received 2017-07-25
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: BARCLAYS BANK DELAWARE (NY)

I went to see a financi al counselor   i  n  XX/XX/XXXX  who reviewe d my credit report with me. I became aware of a fraudulent collection ( that I have since gone to court to r emove ) a n d two fraudulen t credit cards,  one from Barclay 's Bank  an d one from   XXXX   XXXX   XXXX   . According to my credit repo rt Barclay 's was   opened in   XX/XX/XXXX  and closed in  XX/XX/XXXX   with no reported payment history.  XXXX   XXXX  was open ed  XX/XX/XXXX  and closed in  XX/XX/XXXX  and it looks like no payments were made according to my credit report. I have never had   either of these cards and only became aware of them from looking at my credit reports. I have repeatedly called both banks to report the cards as fraud and they will not remove them. I also sent a dispute letter to the credit bureaus to remove these accounts and they left them on. I have filed a identity theft report with the fair trade commission that I will attach to this complaint. I have also visited my local police precint to report ID theft but the detective was not helpful. All the other accounts on my credit report have always been paid on time. I need th ese two cards remov ed since they are not mine and I would like to purchase a home soon and need my credit repaired.
Consumer complaint received 2021-07-23
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. (NY)

XXXX Placed me on collection with out proper notification and when I looked at my Credit reports Experian, XXXX, XXXX, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified
Consumer complaint received 2019-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (MD)

My name is XXXX XXXX and I am having problems with Lendmark Financial Services. I was summons to go to court and my attorney requested information from XXXX attorney for which they could not produce so the courts recommended they settle the account with us. The information was given to the XXXX attorney and they still have not contact my attorney and this is getting to be absolutely ridiculous. Also if my attorney was unable to obtain the proper information directly from their attorney how are the bureaus getting information?
Consumer complaint received 2019-10-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harpeth Financial Services, LLC (VA)

I took an online loan with AF247/Advance Financial/XXXX  XXXX. Although the original loan was for {$1100.00} they are threatening to sue me in court on XX/XX/2019 for over {$4600.00}. This is mostly due to the 360 % interest rate that was charged which I was not aware of and far above the state law in Virginia. I had made multiple payments on this loan, but it is impossible to ever pay due to the extreme interest rate. Every payment I have ever made goes to interest, even when I pay above the minimum payment. I dont even understand nor was I ever explained how the balance exceeds {$4000.00} on a {$1100.00} loan.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

A fraudulent checking and savings account was opened in my name for Capital One Bank. I have had to lock all my credit accounts down and have been placed under extreme pressure, stress and inconvenience due to this situation. The bank was unable to or refused to provide me with an account # to assist with resolution. They claimed that they could only see the last 4 digits. Thankfully there has been no " current '' monetary loss. But I believe that this may have been an internal breach in an effort to beef up sales totals. I wanted to draw attention to the possibility so if in fact my breach was the result of greedy and unethical bankers it has been documented.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Since XX/XX/2019, we have attempted ( with my elderly Dad as co-borrower ) to enter an application for Loan Modification with Mr. Cooper on our residential mortgage. Both of us went through all of the steps that Mr. Cooper required and submitted all documentation requested. It has now been 5 months and they refuse to even clear the hurdle of the application phase. I have submitted documents on numerous times only to be told its on hold due to the underwriter requires something else and we have no control over what they are requesting. I have been in constant contact with the Loan Representative ( who  has changed to a different person twice now ). I have used their online system, I have faxed documents and I have emailed some directly but I continue to be told we need more documents or other outrageous requests. The most recent outrageous document request by Mr. Cooper in XX/XX/2019, is for a copy of the mortgage statement to be submitted, that belongs to my wifes home for proof of residency for me? They think they are going to drag her into this fiasco by demanding her personal documents and she has nothing to do with this! Its not her mortgage we are trying to modify. How can this company do that to my family? I am in dire need of resolution to save my Dads remaining sanity, health and our home where my family was raised and lived all these years!
Consumer complaint received 2021-03-09
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: CrossCheck, Inc. (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. 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 helps who are victims of identity-theft. I request that an extend 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. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 XX/XX/XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (OH)

A few did most keep sending bills. Regardless it by law should not be included in account and owed on your reports! And says will be until 2030. A bankruptcy case on report yes but past records are deleted therefore you have no right to share them
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I was solicited by AmeriSave on XX/XX/2019 for a refinance on my current property after inquiring online and giving the consent to being contacted. The agent who helped me started the application after finding out more about my current loan, job status, income, etc. Based on all data provided and my consent to pull my credit report I was told I qualify for a refinance just on my name and the numbers were clear and I accepted on my side. I was told I had to pay {$500.00} for the appraisal and that money was going to be reimbursed to me after the closing on XX/XX/2019 which was the date settled. I was not informed about those {$500.00} not being reimbursed should the closing was not happening, I was not informed about the possibility of not even closing. All the conversation was based about the fact that I qualify and I had to follow the steps in order to arrive to the final stage. I had to send all documents, tax returns, social security release information, consent to contact my employer, etc. I did all of that right away, and since the very beginning I told the agent I have been having 1099 's for the last 4 years. Everything was looking and working perfectly until I was contacted by another loan processor by AmeriSave asking me for the W2s, which I replied right away that I don't have W2s but 1099 's and the agent who took the application knows about it. Then he said he was sorry but the application was based on W2s numbers and the file was delivered to him as if I had W2s. That was obviously a miscommunication between the agents. A few days later I was contacted by the firs agent asking for more proof of income, and not a lot longer he said I was not qualifying for it. 
Had I knew those {$500.00} were not refundable I would have made a better informed decision, had I knew there was a possibility of not qualifying I would have decided if I wanted to move forward with the application. The agent never mention the fact that not qualifying was an option. 
I feel misrepresented by the fact of not being informed about the {$500.00} not being reimbursed if I don't qualify. 
After claiming many times the {$500.00} and being told by the first agent that he was going to see what he can do because he was not in the business of writing loans that will not get approved, I decided to continue claiming the money until I got a call today from another agent from AmeriSave. I was told the same, that the {$500.00} were not refundable, he even said he could read the statement that says that is not refundable ( I feel this should have been done the first day before paying ) and there was even a clause I signed about it. He basically told me he was sorry because I signed it, but I was not well informed.
Consumer complaint received 2022-12-15
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. (KY)

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

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-15
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: EQUIFAX, INC. (NY)

My wife and I opend a joint credit card account that she is the primary holder of, I am just an authorized user.I had never used that account ever.However, It has been affecting my credit score so much so that my credit score took a nose dive of 53 points with Equifax today, which prompted me to close the joint account on my side on the phone today.