davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (AZ)

On XX/XX/XXXX I applied for a checking account with XXXX. It was application ID:XXXX. They told me I was denied in part because of information furnished by Telecheck. I was shocked because the only check I write each month is too my landlord of the past 9 years, and I have never once bounced oXXXX of those checks. After much difficulty, I have received a report from Telecheck alleging I wrote XXXX checks on a checking account that I had closed years previously. Those checks were alleged to have been written in XXXX Colorado in XXXX at XXXX XXXX no XXXX. I have never in my life been a member of XXXX XXXX  nor have I ever visited XXXX Colorado. I have been the victim of widespread identity theft with police having contacted me from California and Washington state stating they found my personal information in the possession of criminals. I have also filed an identity theft affidavit with the FTC. Furthermore, the last 4 digits of the state ID claimed to mine on the Telecheck report do not match my Arizona DL which I have had since XXXX. I have also filed multiple fraud reports with TeleCheck including a signed affidavit stating I did not write those checks and they refuse to remove the inaccurate information in violation of the FCRA. To add insult to injury after the last dispute they added a third additional check to the report which was also committed by some criminal and not a check that I wrote. At this point, Telecheck is reporting fraudulent information about me that is causing me a great deal of stress and emotional issues as well as financial as I have to spend time and money disputing inaccurate data. Telecheck is not taking this serious. I know in the past they have been sued by the government for not properly investigating. I feel they are doing the same thing now to me and need to pay for their FCRA violations against me.
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

An ad. of XXXX which offering free gift to anyone if he/she completed the survey with them online in XX/XX/XXXX. This company 's products XXXX XXXX XXXX XXXX XXXX showed up on the list as gifts to offer for free. Customer just paid for shipping and handling. My cousin, XXXX XXXX, borrowed my credit card and paid {$6.00} for shipping and handling for the above 2 products. After that he didn't order any more product, but on XX/XX/XXXX this company imposed 2 charges one {$110.00} from XXXX and the other {$110.00} from XXXX totally {$230.00} and the money was withdrawn from my credit card account. 

I have read the BBB 's report that these group of people have engaged in illegal activities. They have used alot of different names and phone numbers for cheating like XXXX XXXX XXXX XXXX, XXXX XXXX XXXXr, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXr XXXX XXXX, ... .and a lot more with ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ... and more. 

I had reported and argued with the Chase Card agents that they'd wrongly used my account to pay for this cheating group of people while mine and my cousin 's name were different. The card agents said they would try to ask the cheating company for a refund. However, after more than a month of dispute between them, on XX/XX/XXXX I received a letter from Chase said that the charge from the cheating group was valid!! 

I called Chase on XX/XX/XXXX with the number they gave XXXX XXXX XXXX XXXX in order to dispute what they said, but they just let the answering machine running. I had been waiting for more than 103 minutes from XXXX A.M. to XXXX P.M. no one picked the phone up.
Consumer complaint received 2022-06-09
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. (OH)

XX/XX/XXXX I noticed a new credit inquiry on my credit report. I promptly contacted XXXX, the lender on my report, about the inquiry and stated that it was not me and that I have been victim to identity theft. XXXX then gave me some instructions to follow up with. They asked that I provide a letter stating that I did not apply for loan and a police report of the situation within 7 days of the notification. I provided that information 3-4 days later. Since that XX/XX/XXXX date I have emailed numerous times about the status of my claim and have received nothing of any value. Generally, I will receive an email along the lines of " Fraud Dept is investigating '' with no additional information. I have tried calling customer support and have been disconnected and other times not able to reach anyone. It is nearing a month since I initially informed XXXX of the fraud and I have not received any meaningful information regarding the status of that claim.
Consumer complaint received 2022-07-30
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)

Hi, My name is XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are stopping me from buying a home. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-08
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: SCA Collections, Inc. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

There is a great discrepancy on month to month principal payments even though I have a fixed rate mortgage. When I asked about this they told me that it is because of per diem interest. This has been going on for years now and I do understand per diem interest but there are times the difference is several hundred dollars. They have not been helpful in providing documentation of any of this. I had to formally request an amortization schedule moving forward that does appear to be accurate how
Consumer complaint received 2020-07-31
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-08-08
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. (MA)

Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MD)

Denied an AMAZON STORECARD by Synchrony Bank ( SB ). Reason dated XX/XX/2020 was Dear XXXX XXXX, We have received your request for a credit product with AMAZON STORECARD issued by Synchrony Bank. 
Unfortunately, we are unable to approve your request at this time. 
Your request was denied for the following reason ( s ) : History of dishonored payment ( s ) to Synchrony Bank Sincerely , Synchrony Bank I have two credit cards opened with SB ( Guitar Center and XXXX ). I have never missed nor had a late payment on these cards, and paid them off early. Contacting SB customer service for the AMAZON STORECARD, no one was able to explain this or give me the contact information of someone who could. I was told there was no one at SB who was responsible for the decision, that it was automated, and that I should re-apply.
Consumer complaint received 2022-04-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I am just giving notice that I have filed a complaint with the Federal Trade Commission concerning the fact that someone changed my address related to my complaint with the CFPB. It is my firm belief that it was changed to obscure the involvement of the Banks in the theft of XXXX XXXX XXXX XXXXXXXX XXXX. I firmly feel that my address was changed to cause more confusion in the matter. The Fact still remain, I did not sale my home at XXXX XXXX XXXX XXXX XXXX XXXX and Wells Fargo knowingly participated in XXXX XXXX and XXXX. The acts of Wells Fargo Bank is in part why there is such a large wealth gap in the wealth between XXXX and XXXX. It is the discriminatory manner in which the Banks including Wells Fargo Bank approve and or accept factitious documents sending out large amounts of money using our property as collateral this done without our permission or knowledge. Wells Fargo Bank actions is XXXX, bias and just wrong. 

All we really wanted is assurance that we as XXXX can participate in the Banking industry without concerns of fraud by anyone or any agency. We are left with what we can here with, nothing.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I submitted several disputes concerning my credit.. The bureaus not complying or following with the law.. They have not gave me my results or investigation results.. I have sent out letters in the concern of my credit issues.. They have not as of yet resolved my matters at hand.. I will like help in getting the matters of credit concern deleted immediately do to the fact that they have not complied or show proof of my investigations..
Consumer complaint received 2022-07-30
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX the accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (NY)

XXXX XXXX sold my debit to XXXX XXXX XXXX in 2019 and the account was closed. I made all the settlement payments with XXXX XXXX XXXX with my checking account. The company withdrew double the amount I was told. After completing my payment after 12 month. Non of my payments was reported. Im additional to that XXXX XXXX got the debit back and put it back on my credit report. I attached payments that was made to the collection Agency XXXX XXXX This debit should not be in my report. The company withdrew more than was discussed my monthly payment agreed upon was XXXX they charge me additional XXXX for 6-8 months without my consent.
Consumer complaint received 2022-06-09
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting Act XXXX  Account Fair collection & out # 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 an account without my written instructions.
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (LA)

15 USC 1681c-2 VIOLATION BY EXPERIAN, WHO IS CONTINUING TO FRAUDULENTLY VERIFY AND REPORT FRAUDULENT INFORMATION AGAINST THE CONSUMERS ACCOUNT. EXPERIAN HAS ENGAGED IN THE FRAUDULENT SALE AND TRANSFER OF CONSUMERS INFORMATION.
Consumer complaint received 2022-07-30
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX, XXXX XXXX ; XXXX, XXXXXXXX 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 Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$120.00} ; Original : XXXX Balance : {$88.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$100.00} ; XXXX XXXXk XXXX ; XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-30
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agenct can not furnish a account on my credit report without my written instructions.
Consumer complaint received 2022-04-14
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. (GA)

Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Consumer complaint received 2020-11-05
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: Westlake Services, LLC (CA)

I settled a charged off auto loan with Westlake Financial in late XX/XX/2020. I do not know the date because they had me mail a cashiers check and I do not know the date it was cashed. I mailed the check on XX/XX/XXXX. However, Westlake Financial has continue to report the account as Charged Off on my XXXX Credit Report. I disputed with XXXX twice and they updated it twice with adding an additional month of Charge Off reporting. I called Westlake to handle and was left on hold forever. The account has had remarks from Westlake for 3 months that the account was settled but they keep reporting it as a Charge Off. Please have this inaccurate information removed.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 



XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (RI)

Nationstar has lied to the CFPB and XXXX credit rating agencies about the status of my account. Nationstar states that my account was late. On two occasions Nationstar incorrectly handled my homeowner 's insurance policy resulting in errors in calculating my escrow account which resulted in changes to my mortgage payment amounts. Given that I automatically pay my mortgage through my checking account Nationstar 's mortgage payments are paid in time. 

However, Nationstar has created a statement that was never sent to me that states they notified me of the error in their account. On the first occasion in XXXX  Nationstar paid from escrow a duplicate payment for one home hazard policy. This occurred again in XXXX after repeated calls and notifications from me that I had paid the insurance policy in full directly with the insurance company. 

CFPB nor Experian have adequately investigated the fraud and lies at Nationstar. I am enclosing additional documentation from my account that shows the duplicate payments and if CFPB would like to see the malfeasance at Nationstar I would suggest a more comprehensive investigation into how Nationstar is using inaccurate escrow calculations and false statements to steal money from homeowners and lock homeowners into high fee mortgages through fake credit reporting in collaboration with XXXX and potentially other credit rating agencies for a fee. 

This is abhorrent in intolerable and should not be allowed by CFPB to continue. Now that we are in a pandemic crisis a financial disaster will be exploited by firms like Nationstar and XXXX. XXXX   and Nationstar will contribute to the longest financial failure in this country as the true business practices are uncovered in this pandemic crisis and CFPB has a role to play to address and uncover the fraudulent business practices of these two firms.