davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (IN)

Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB onXX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at XXXX and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today,XX/XX/XXXX three months later, I receive a letter from Caine & Weiner dated onXX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I am contesting the account with XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$840.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 168 % usage. I need Experian and XXXX XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected.
Consumer complaint received 2021-08-06
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. (NJ)

THE DISPUTED ACCOUNT IN THE ATTACHED LETTER HAS BEEN PAID FOR IN A SETTLEMENT AND THE COMPANY HAS AGREED TO REMOVE THE ACCOUNT OFF MY CREDIT FILE. THIS ACCOUNT HAS BEEN DAMAGING MY CREDIT AND I'VE BEEN FIGHTING TO REMOVE THIS ACCOUNT OFF MY CREDIT FILE FOR QUITE SOMETIMES. PLEASE SEE THE ATTACHMENT AS PROOF OF THE SETTLEMENT AND HAVE THE ACCOUNT REMOVE BASED ON THE AGREEMENT.
Consumer complaint received 2022-09-09
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. (CA)

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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX Balance {$1000.00} XXXX  XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} XXXX XXXX  XXXX ( Original creditor : XXXX  ) XXXX Balance {$4500.00} XXXX  XXXX  XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$830.00} XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX  XXXX  ( Original creditor : XXXX XXXX  XXXX  XXXX XXXX  ) XXXX Balance {$79.00} XXXX  XXXX  XXXX  ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/ SS XXXX I have some errors on my file that I need to have addressed. I have an incorrect name on my credit my name is not XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX 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 XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these unknown numbers : ( 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 2024-01-29
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. (OH)

Per the FCRA, I XXXX XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " 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. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2024-01-29
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. (NJ)

I was looking to my credit reports and find out there are XXXX accounts that has nothing with me, i have never aplied for that loan and credit card. 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX )
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

XXXX   XXXX  ard in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file on my credit reports.
Consumer complaint received 2017-09-23
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NE)

My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX Wells Fargo Dealer Services XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$1000.00} XXXX  XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX  XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$830.00} XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC (GA)

Benchmark XXXX XXXX sent me an Escrow Shortage statement on XX/XX/XXXX that is incorrect and I have tried multiple times to get a response from Benchmark to no avail. 

Reason for the shortage they claim : - XXXX tax payments from escrow - County Tax Payment in XXXX - County Tax Payment in XXXX - City Tax Payment in XXXX - XXXX Adjusted payment dates from Benchmark - County Tax Payment in XXXX - County Tax Payment in XXXX - City Tax Payment in XXXX ( Tax bills do not even come out until XXXX ) Benchmark told me on a recorded line that they would review the taxes and have this review completed by XX/XX/XXXX. The review has not been completed and you can not talk to anyone besides a customer service representative that does not have any information. 

Benchmark is telling my I have to pay {$3000.00} by XX/XX/XXXX or my mortgage payment will increase by {$300.00} per month. 

The escrow shortage Benchmark is claiming, is incorrect due to them adjusting them moving up the tax payment dates. 

Benchmark XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2021-09-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Collections Corp. (CA)

I received a phone call from XXXX and spoke with XXXX XXXX ( employee ID XXXX ) from ACC and advised me that if I don't pay this payday loan I will be served with a summons today ( XX/XX/XXXX ) or tomorrow ( XX/XX/XXXX ). I asked him for information on this loan. He stated it was applied for online on XX/XX/XXXX and 3 payments of {$100.00} were made. I advised him that I did not take out this loan and never made payments on it. I told him all of the information used to get this loan was not accurate at the time. He advised the last payment was on XX/XX/XXXX and then he said it was on XX/XX/XXXX. He even gave me the references that they used, one was my father and the other was XXXX XXXX which I advised him I have no clue who she is. I let him know that the statute of limitations has expired in CA so they can't sue me but regardless this is not my debt and never received any collection notices. I asked that he send me validation of the debt but he said that would have to be requested with the records department and they most likely wouldn't do it since they're about to sue me. He said if I pay the balance due today I can avoid getting sued. He said he would talk to his office manager and get back to me to see what we can do. I told him this is not my debt and I needed to see some paperwork and he said I would see it today when I get sued.
Consumer complaint received 2019-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CURO Intermediate Holdings (DC)

This company contacted me after I was looking for a loan. After they asked me for my user name and password in witch I sure supplied and after already being approved they then went into saying they was going to put some money in my account and take it out then submit the loan I changed my password to my bank account. Currently monitoring my account but they do have access to all my information
Consumer complaint received 2017-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've contacted Experian via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested
Consumer complaint received 2021-08-06
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. (CA)

XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX XXXX, and Experian. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Consumer complaint received 2018-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (DC)

In response to a promotional offer from American Express and Delta Airlines, I applied for and received a Delta Sky Miles American Express card. The promotion promised a {$50.00} credit on the American Express account and 30,000 miles on my Delta skymiles account, so long as I spent {$1000.00} within the first three months of having the card. I received the card on XXXX XXXX, 2017. I charged over {$1000.00} in the first month and paid that amount in full when I received my first statement. When I did not receive the promotional benefits after I paid the first statement, I contacted American Express. I was told that there could be a several week delay in getting the benefits but that the latest I would receive them would be 3 months after the activation of the card. After 2 months and still no benefits, I called again. The customer service representative assured me that the benefits would be applied no later than XXXX XXXX. When I still did not receive the benefits, I called American Express again on XXXX XXXX. At this time, I was told that the matter would need to be sent to the escalation department and it could take another week or so to resolve. There is no reason that a consumer should have to contact American Express multiple times in order to receive a promotion that American Express and Delta committed to providing.
Consumer complaint received 2021-09-09
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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE PHONE NUMBERS DO NOT BELONG TO ME ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX THESE EMPLOYERS ARE NOT MY EMPLOYERS REHABILATION CENTERJUPI THE REHABILITATION CENTER REHABILITATION AT XXXX XXXX  XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your in

vestigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXXC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX