davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
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: Colony Brands, Inc. (PA)

XXXX XXXX, Account NO. XXXX, XX/XX/2011, Account Opened. XXXX XXXX XXXX, XXXX, WI XXXX. 
Has my account as reported to XXXX, as Revolving Charge Account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have these hard credit pulls that I did not authorized in my Equifax credit report XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One Bank - Consumer Financial Protection Bureau ID # XXXX Re : Accounts : Ending-XXXX | Ending-XXXX Complaint : I believe Capital One Bank has violated my rights under the Fair Credit Reporting Act. I also believe that I have overpaid any balances due because I secured each account with an initial secured payment that shouldve been used to offset my first late payment. 

History : Both accounts are secured accounts that I opened with an upfront payment known as a security deposit. Each account was closed by Capital One Bank at 60 days, and 90 days past due on XX/XX/XXXX. My last payment on each account was in XX/XX/XXXX. Prior to the time of account closing, I was having difficulties due to my military service-connected XXXX and was late on payments. I discussed this XXXX issue with the Capital One customer service department each month from XX/XX/XXXX to XX/XX/XXXX. During this time period Capital One did not disclose any options regarding the use of my security deposit to make my payments. 

I contacted Capital One in XX/XX/XXXX with the goal of resuming payments, and a hope that my payments would be reported to the credit bureau. I was informed by a representative of Capital One Bank that once the account is closed I can not make payments for credit improvement, nor can there be any additional monthly delinquencies reported on a closed account. 

After closing the accounts on XX/XX/XXXX showing the lates at 60-90 days, Capital One then reported the accounts 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX into XX/XX/XXXX. In addition, Capital One reported these accounts on a monthly basis after the date closed showing updated increased balance changes. 

In XX/XX/XXXX, I paid both of these accounts in full ( proof of payments attached ). According to the Department of Veterans Affairs, I am rated as XXXX XXXX XXXX  and XXXX XXXX effective XX/XX/XXXX ( rating document attached ).
Consumer complaint received 2019-07-22
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)

In XX/XX/2006 I was a victim of phishing scam. Someone stole my identity, hacked my banking info, and opened up accounts in my name. I received a email from my bank instructing me to update my personal information because their system was compromised but it actually was a fraudulent email. I entered all of my personal info to update my account. A couple hours later money was missing from my bank account and days later credit cards were opened in my name and etc.
Consumer complaint received 2019-07-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Under a settlement filed today, Equifax agreed to spend up to {$420.00} XXXX to help people affected by the data breach. If you were affected by the Equifax breach, you can't file a claim just yet. That's coming. But you can sign up for FTC email alerts about the settlement at ftc.gov/XX/XX/XXXX. 

I have contacted them on numerous occasions about these Fraudulent INQUIRES and I see why they XXXX   getting sued. When people call about INQUIRES they don't do a XXXX XXXX 

XXXX XX/XX/XXXX. I didn't apply for nothing
Consumer complaint received 2019-07-22
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

I have been in dispute with Wells Fargo for a while now and also have informed them in prior disputes, identity theft reports and etc. That I have been a victim of fraud, my information was compromised and also my email address, old passwords and info of my employer was exposed on the dark web and also found in data breaches. A lot of emails that was sent by Wells Fargo I did not received. All disputed items, interest charges and late fees were not done by me. A new card was sent on several occasions, disputes were reported to the Wells Fargo Fraud Department. Wells Fargo has also listed me in the XXXX XXXX under suspicious account activity and etc. I was not aware of this until I added another security alert on credit report and also requested a copy of my XXXX XXXX report. This is really damaging my credit file and also being able to open a bank account do to fraud. I am not responsible for for these charges. This account needs to be deleted and also false information in the XXXX XXXX. I will never do business with Wells Fargo or advise anyone to do so. No police report was found as I wasnt aware at that time and when I discovered this matter, I immediately reported it to Wells Fargo. I even received on email that asked me to verify my bank account information and from what I was told my information and card was copied by a scammer and used many places. Because I was responsible for these charges after reporting it. I didnt pay it or felt I should be responsible. So late charges and interest charges accumulated. Attached are document proving I have been on the dark web and my information was compromised.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report if you can't provide these 4 things below 1. The Original Contracts With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchants ) 3. The Payment History and Itemized Billing Associated With These Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX 4. Account Name : XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report if you can't provide these 4 things below 1. The Original Contracts With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchants ) 3. The Payment History and Itemized Billing Associated With These Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX 4. Account Name : XXXX XXXXXXXX XXXX Account # XXXX
Consumer complaint received 2019-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am a victim of Identity theft. I did not access my credit report for a number of years and once I did I noticed some discrepanices with my report. I contact the FTC and made a report and also contacted all # credit bureaus. Equifax is the only bureau that refuses to remove these items from my report and the reason that I was given this evening is because they are over 3 years old. I was advised that they contacted each creditor and the creditor advised that they information was correct. I have contacted the creditor and all they can send, me is a statement. A statement is not verofying that it was me who opened the account and made the charges. I have has a fraud person open bank acocunts, take my taxes, take all my money out of my bank account and its feels like equifax is just making me the victim over and over again. they do nothing. The supervisor this evening told me all i can do to fix the problem is to contact you.so here I am.
Consumer complaint received 2024-03-08
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. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF THE WEST (KS)

Loan was requested for a new RV thru XXXX XXXX ( Essex credit ). The day after the loan was funded ( XXXX ) I recieved a call from a stranger in NY ( XXXX ) miles away stating they had recieved all of my personal information in the mail, from XXXX. At this point the stranger in New York is able to tell me my wifes and I Social Security numbers, address, wages and anything else that one would hope a bank wouldn't carelessly give out. I immediately reached out to the loan officer XXXX XXXX and explained that I was very upset that they would let this happen, and I expected some answers. XXXX said I would hear somthing back from his boss the next day. A week went by and I never heard anything, so I called XXXX back and he gave me his bosses number. I called XXXX 's boss and he said that they were sorry but it was just a human error ( he didn't seem to take it as serious as I think it should be ). He did say that i would be recieving something in the mail explaining what they were going to do about the error. As of today XXXX I have never recieved any letter or even a phone call to explain what's going on. The bank gets off free and will still get thousands of dollars in interest with no consequences to the damage that has taken place because of their misstake.
Consumer complaint received 2022-01-11
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: MARINER FINANCE, LLC (GA)

To Whom it may concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX xxxxxxxx XXXX with a balance of {$2100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that 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, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MA)

I received a phone call from phone number XXXX and they were alleging that they were from Transworld systems Inc. They stated that on XX/XX/2014 I accrued a {$110.00} debt from the company XXXX XXXX. They allege that my account number is XXXX. Today is roughly 5 years after the alleged debt. And until my conversations with this company today Ive heard nothing about the debt. No notices have been sent nor they will they released me any information or proof the day The debt to me. 

Im not sure that this is a legitimate company nor a valid debt. I did call XXXX XXXX and they have no record of a debt.
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Re : Grievance Notice under Clause 20 of the Deed of Trust & 12 C.F.R. 1024.35 I am writing to report my grievances regarding the mortgage transaction involving my previous property at XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

I recently obtained a forensic audit of all my mortgage documents. As a result, I was made aware of a significant misrepresentation within the appraisal process for my home I Purchased on XX/XX/XXXX. More specifically, the appraiser gave bad comparisons of other homes sold in the same time period for a 97 year old home. All in which only shows poor due diligence and lack of competency on the behalf of  Mr. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Thus, having proved my home was not properly valued at the time of purchase. 

Furthermore, it was discovered that the notary signed my documents before i signed my documents. I am missing several key and crucial documents ( mortgage application, HUD 1, 4506T, notice on servicing ), to my closing documents that i received 30 days after closing and not the same day or within a few days as required by law. I recently contacted Wells fargo and requested the same documents along with the Abstract title company ( dissolved ) and found the same said documents are missing to date. It was equally discovered that MERS played a part in this process which negates Wells Fargo at the time of the foreclosure was not the true holder of the note and mortgage ( date was  in XXXX ). During my foreclosure process I was not served properly, all notification was going to my next door neighbor whose mailing address was XXXX XXXX XXXX XXXX, which is my legal address, but was not my postal mailing address. I never received any notification, my neighbor had been looking online and shared with me she saw i was in foreclosure. Even when i was evicted, they went to her house first and she pointed them to my house.
Consumer complaint received 2019-07-22
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: Statewide Credit Services Corp. (PA)

Statewide Credit Services XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX # XXXX XX/XX/2013 Date Opened Has my account in collections as reported to XXXX. This account is not mine. It does not belong to me. All the credit bureaus : XXXX  and XXXX has removed this account from my credit report. The address used by XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. 
Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX