davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Consumer complaint received 2017-12-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from Bank of America which was not opened or used by me.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo forced me into a bad loan modification where they extended my mortgage term to 40 years. I will be about XXXX years old by the time I pay it off. I've complained to them over and over and they keep giving me the run around. Recently, they sold my mortgage to XXXX. Wells Fargo, however, is still responsible for the terms I'm now under. I have sent several letters to them and will attached the most recent letter here. This letter is my response to the last letter they sent me. On the back of it is their explanation of what they did. Essentially they state that " You signed it, here is the proof '' and never address the underlying issues that caused this mess.
Consumer complaint received 2022-04-03
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX and 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
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

INQUIRIES 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 XXXXXX/XX/XXXX XXXX HAVE REACHED OUT TO ALL COMPANYS ASKED FOR A LETTER TO DELETE BECAUSE OF FRAUD AND DO TO THE FCRA LAWS THAT IT BE REMOVED AND HAVENT IM VERY CONCERN AND NEED THESE ITEMS REMOVED DO TO FCRA STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING A PERSONS CREDIT REPORT IS ( 1 ) A FIRM OFFER OF CREDIT ( 2 ) INSURANCE, ( 3 ) AN APPLICATION FOR EMPLOYMENT, OR ( 4 ) A COURT ORDER. THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES AS I HAVE REITERATED FROM THE FCRA.

15 USC 1601 15 USC 1602 15 USC 1681 B 15 USC 1692B
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (CO)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MI)

I am a victim of identity theft I notified the company of the fraudulent activity previously and nothing has been removed from my credit report I made a police report stating that any and all accounts opens before XX/XX/22 is not mine and I have no knowledge of opening
Consumer complaint received 2019-08-09
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. (AL)

I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the XXXX and to my local police department. I am doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX  XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon checking my credit report a account by the name XXXX XXXX is reporting on my credit report that I do not own I have never had a account with company and never gave this company permission to report on my credit report.

15 USC 1681 c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted in an alleged identity theft not later than 4 business days after the date of receipt. It has been passed that and you are in violation of this law because I am a victim of identity theft.

This account should not be furnished on my consumer report as they are in violation under 15 USC 1681 b permissible purpose of consumer reports ( a ) in general subject subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. And I never gave any collection agency or consumer reporting agency consent.

15 USC 1681 section 604 ( a ) 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 

PLEASE DELETE IMMEDIATELY!!!!!
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a complaint on XX/XX/2019 in regards to Bank of America not following the Federal law the Expedited Funds Availability Act. Today, this bank has place another hold, on another one of my accounts. This bank is purposely and illegally hold funds.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

At Bank of America with them for over 20 years. I was expanding my business so I opened a account changed from a sole prop to LLC on XX/XX/XXXX on the XX/XX/XXXX a XXXX XXXX to a XXXX XXXX for XXXX. I new nothing about the account was unused at that time I receive a overdraft notice so I added more money when I noticed it was coming out I put a stop payment on XX/XX/XXXX though it was stopped it started right back up. I stopped it again and received a stolen money letter from the bank manager. Then the XXXX XXXX  just drained it all. Come to find out it was a wire with I have a special wire account for that. All the while calling the ph number associated with the account dead number I ask them to help with the faxing and helping me get the money back the sent it to the ACH dept not the fraud dept the gave me a number to call I did A senior at B of A said the bank it was wired to XXXX XXXX on easy cost was empty and they we not gon na give it back. All in total  {$3500.00} dollars and the loss of my business this was Fdic secure money and they just let it get stolen i made a police report
Consumer complaint received 2018-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OK)

I submitted to PennyMac the note with my original signature and notarized on XX/XX/XXXX. They responded on XX/XX/XXXX stating they would conduct a full review of my loan. Then on XX/XX/XXXX letters were sent which will be attached requesting them information on my loan. Which were notarized and sent certified mail. On XX/XX/XXXX they responded stating thank you for requesting a reinstatement quote. Then on XX/XX/XXXX I received a letter that they were currently conducting a full review of my loan. Then no response and then found out they have filed foreclosure on XX/XX/XXXX.
Consumer complaint received 2022-08-10
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: DISCOVER BANK (FL)

I asked for Discover to dispute a charge of {$1200.00}. Discover said the merchant didn't send any documents to support the charge and Discover said I needed to pay anyway.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Received an annual credit report for myself and my husband from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, Order number XXXX. Order dated XX/XX/2021, phone number XXXX. When I contact this number they say this is an annual credit report that is free to me annually. I have NEVER given XXXX any information or the ok to run my credit and they hang up on you once they tell you that. It is not right that they are able to run my reports. It says it is a soft him. I have worked in the Insurance business for 20 years. A soft hit does NOT send you your annual credit report. I am furious that they have taken my information WITHOUT MINE OR MY HUSBAND 'S approval.
Consumer complaint received 2019-06-10
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. (NC)

After numerous attempts to get verification of these fraudulent accounts from Experian, I have received no verification. These are the fraudulent accounts as follows : XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. As of date I still havent had these fraudulent accounts reviewed and verified by Experian.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In early XXXX I received a mailed letter ( it was dated XX/XX/2019 by them, however I did not receive it until at least XX/XX/2019 ) from Kohl 's stating that a credit account that I have through them had an amount of {$100.00} that was past due. The letter did not state how long past due the request payment was, only that it was past due. I had received no other communication from them or notifications of request for payment prior to receiving this. I then called and made the payment as requested to bring my account to good standing. Since they did not provide me with the length of time it was past due, I did not worry about this affecting my credit at the time. However, about a month later on XX/XX/2019 I received credit score information via FICO and noticed my score had dropped approximately 70 points due to the missed payment. I then contacted Kohl 's immediately on the same day, XX/XX/2019, to rectify the situation. The representative I spoke with informed me that they had incorrect email address data on file for my account which was why I had not received any account statements or communications from them regarding my account. I also received zero telephone communications or mailed communications from them during any of this time regarding my account even though the phone number and mailing address portions of my contact information were actually correct and could have been used to reach me and would have avoided any of this situation from happening. Only the email portion of my account information was not correct in their data, and that was the only method they had used to attempt to contact me. Despite this admission of error/incorrect information on their part, they still refused to remove the late payment from my credit report.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (LA)

I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals,  provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my transunion as follows National credit systems- I havent lived in XXXX Arizona , they cant provide proof of a lease or a drivers license with my signature. Over 3 years old per my state that I have lived in for 5 years ( Louisiana ) I have contacted this creditor no response I disputed with credit bureaus 3 separate Times to validate these debts which they found and deleted and some home this account is on my credit again for the 4th time with a different age date. No contract
Consumer complaint received 2019-06-10
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: Experian Information Solutions Inc. (NJ)

I am in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score..I would like these items be removed from my credit report XXXX XXXX, XXXX XXXX   XXXX/XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-08-09
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. (TX)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  I, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX  XXXX MO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX.
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (VA)

Repeated calls in excess from Care Credit trying to collect on a debt that I am already making payments monthly. Next payment is due XX/XX/2019. Calls have been received on XX/XX/2019 at XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX  ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX. 

Additionally, they are calling my friends family members numerous times per day every day. 

Calls will not stop even though I have told them to cease and desist. Additionally, they are calling my work every day within a minute of all the call dates and times listed above after they have been told not to call.
Consumer complaint received 2019-06-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SC)

A few months ago, I emailed Nelnet a copy of my DD214 form and asked that the missed payments I have from XX/XX/2015 be removed, due to me being away for XXXX and not being made aware that my deferment status was ending. After checking my report today, to my dismay, nothing has been updated or corrected.
Consumer complaint received 2022-10-10
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-03
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Acct # XXXX and 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