davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

I have been disputing these inquiries for already a long time and yet the Credit Bureaus have not completely completed my requesets. Once again, I am a victim of identity theft and these inquiries were the results of sduch crime. Under the FCRA section 605b, these inquiries must be removed if the Credit Bureaus are unable to prove the authenticity ans validity of these inquiries. On the previous complaints I submitted, I requested that the Credit Bureaus probvide proof oc authenticity to support their claims that the disputed inquiries belong to my name. However, the Credit Bureuas have failed to do so, therefor, the disputed inquiries must be removed. However, upon reviewing my updated Credit report, the previously disputed inquiries are still reporting which is a clear violation of the FCRA. The disputed inquiries are as follows : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-09-26
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. (MO)

Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding and statement of purpose the credit reporting agencies XXXX, Equifax and XXXX as all violated my right to privacy under section ( a ) ( 4 ) with no regard for fairness and impartiality.

Per 15 U.S.C 6801 ( a ) XXXX, Equifax and XXXX violated the laws of Congress by not protecting the publication of my nonpublic personal information. These three agencies all have the obligation to respect the privacy of its consumer and to protect the security and confidentiality of my nonpublic personal information. These instances of negligence as caused harmed to my Family financial well-being.

Based on 15 U.S.C 6802 ( b ), I will opt out of all financial institution no longer disclosing my nonpublic personal information to XXXX, Equifax and XXXX that are all nonaffiliated third parties. My financial institutions never disclosed this to me at any time in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party reporting agencies. 
I should have been given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties ; and given an explanation of how I can exercise my rights. 
If the reporting agencies does not intend to ensure my privacy, due to malfeasance. I have the right to seek remedy under 15 U.S.C 1681n, Civil liability for noncompliance.
Consumer complaint received 2022-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HANCOCK WHITNEY BANK (GA)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ascent Holding Co (PA)

I signed up to be the XXXX  for a loan, servicer XXXX XXXX XXXX ( on behalf of Ascent Funding ), for career training for the primary borrower. The primary borrower declared XXXX  this year prior to the first payment of the loan coming due. The account was listed as in default in XXXX of 2022 but when asked about this XXXX stated that this was an error, the loan was in fact NOT in default and the status returned to deferment. I received a notice dated XX/XX/2022 stating that since the primary borrowers XXXX  was XXXX I would now be solely responsible for the loan. It should be noted that this is the last correspondence I received from XXXX and any further contact has been initiated by me. I was aware that this was the case so I was logging in the check the status periodically in preparation of the first payments due date. I checked in early XXXX and saw that the balance was showing as {$0.00}. I called in to inquire as to why that is and was told that the lender had decided to discharge the loan. I was not given a chance to make payments per the agreement I signed ( all cosigner related documentation attached ). They have not given me the opportunity to fulfill my obligation to pay and have reported the account as charged off on my credit report unfairly. I contacted XXXX and requested they reopen the account, allow me to make the payments and remove the report from my credit report. They have refused to reopen the account and claim that the report is just. The survivability clause in the credit agreement states that the original agreement stands even in the event of primary borrowers bankruptcy making this report unfair as they stole my ability to make the required payments. XXXX has stated that it is Ascent 's policy to charge off the account in the event of primary borrower 's bankruptcy but this is not stated in any of the loan documents that I or the primary borrower signed. They have violated the initial agreement. Proof showing that the account was never in actual default attached despite their claims when I call in that the account was in default at one time
Consumer complaint received 2022-09-26
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 Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX Account # XXXX Amount {$610.00}, XXXX XXXX XXXX Account # XXXX Amount {$650.00}, XXXX XXXX XXXX Account # XXXX Amount {$210.00}, XXXX XXXX XXXX Account # XXXX Amount {$910.00}, XXXX XXXX XXXXXXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX Amount {$800.00}, XXXX XXXX XXXX Account # XXXX Amount {$490.00}, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX Amount {$48.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. I demand the accounts listed below be removed because 15 U.S.C 1681 Section 602 A. States that 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. I did not give XXXX, XXXX or Equifax permission to furnish these accounts. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-30
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. (LA)

I have reached out to ALL XXXX credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2022-09-02
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: LEXISNEXIS (MD)

I received my LexisNexis file reinvestigation results on XX/XX/2022 and there are still inaccurate information showing so emailed documents show the inaccurate information. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation?
Consumer complaint received 2022-09-26
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)

In accordance with fair credit reporting act XXXX  Accounts, Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights. 

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 2022-12-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (FL)

Good morning I have been going back and forth with Westlake Financial XXXX. I did a settlement agreement to pay XXXX XXXX on what is owed which was XXXX. I went ahead and gave them my debit card to process the payment in full and requested a paid in full letter. I was not provided with the letter and was told that they needed to take 10 days for a payment to process in order for them to send a letter and even 3 more weeks for them to update the credit. Now I did call my bank and received a confirmation number of the transaction and was told it was paid to the client ( Westlake ) I reached out to Westlake with the confirmation number and asked to please send me a paid in full letter and the rep has refused and hung up on me. I have called back over 30 times and get connected to the same rep and was again hung up as I was bothering her.. This is not professional. I have all documentation that this account is paid in full.
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 — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account ( XXXX ) with ( XXXX- name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, DATE OF LAST ACTIVITY, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2022-07-30
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. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again.
Consumer complaint received 2022-09-26
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: USCB, Inc. (TX)

LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Consumer complaint received 2022-09-02
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. (AL)

Equifax violated my federally protected rights I found unauthorized credit inquiries made by the following companies on my report XXXX XX/XX/27, XXXX  These companies accessed my report without my consent. 

15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report or any report without my knowledge consent
Consumer complaint received 2022-09-26
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: CORELOGIC INC (CA)

I have a hard credit inquiry on my credit from " Credco/Credco XXXX XXXX XXXX, XXXX XXXX XXXX CA. I did not authorize anyone to do a credit check, I did not purchase anything, I did not look into any loans or anything. I gave no one permission to check my credit.

I've been trying for months to talk to someone at Credco ( XXXX ) with negative results. All I get is a quick disconnection or a recording saying they can't complete the call. 

I contacted XXXX XXXX and received a letter stating I need to contact the party that did the Inquiry. A lot of help they were.
Consumer complaint received 2022-09-26
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: Denefits LLC (TX)

LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (MT)

Complaint # 1. ) XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch declined credit with an adverse action notice because of a collection action or judgement that was reported as delinquent past or present credit obligations with others. The action was taken with regards to Equifax Credit report relating to a XXXX XXXX XXXX in XXXX XXXX XXXX loan # XXXX - XXXX. This dispute / complaint is that a fraudulent charge was initiated against loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$20000.00} .00 and has been accruing interest since that date.

Loan # XXXX. This transaction is documented from XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX   containing XXXX XXXX as named printed by. Reporting Institution : 16 Complainant has not initiated any financial activity with XXXX XXXX XXXX since a Debt Settlement Agreement was reached XX/XX/XXXX for loan # XXXX. Authorized Agent for XXXX XXXX XXXX signed this agreement. Part G. ) of this agreement states that " No changes or addenda hereto shall be effective unless done in writing and signed by all parties. '' There has been no such changes which complainant is aware of nor has complainant signed any agreements with XXXX XXXX   since the Debt Settlement on XX/XX/XXXX.

Complaint # 2. ) Equifax Consumer Credit Report RE:XXXX   - dispute XXXX XXXX XXXX charge for loan # XXXX.

1. ) Complainant has not initiated any financial activity with XXXX XXXX XXXX since XX/XX/XXXX.

2. ) Complainant was unaware of this reported XXXX XXXX XXXX charge and would not have found this information out if application for a line of credit from XXXX XXXX XXXX XXXX, XXXX XXXX branch, had not declined credit due to this Equifax report.

Complainant is requesting Equifax remove all negative and fraudulent information contained in report XXXX  related to XXXX XXXX XXXX   loan XXXX be corrected to reflect the reporting error and that all agencies which have requested reports be notified of this action.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Claim # XXXX On XX/XX/22, Wells Fargo Online Fraud Detection Operations Department sent me a letter ( attached ), regarding unusual and authorized activities on my checking account " Restricting Access to my Accounts '' ( attached ) unless I contact them " My voice is my password, please verify me '', how can someone imitate you voice and over pass Wells Fargo Security System? 
I called Wells Fargo to report my cell & ATM Debit Card Stolen. 
Since accounts were compromised Wells Fargo made change account numbers, Usernames & Passwords for my safety and to protect my accounts, also CANCELED my " XXXX '' and " Wire Transfers ''. 
Since then I called almost everyday spending 2-4 hours between customer service and online fraud departments telling me " There's a process they need to follow & accounts are under investigation ''. 
On XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter of temporarily credited my account for {$4000.00} ( attached ) On XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter stating that they have " Completed their Research '' and temporary credit is final ( attached ) On XX/XX/22, Wells Fargo Claims Assistance Center sent me a new letter stating that they need more information " Again '' after they completed their research XX/XX/22 and made it final ( attached ) On the same day XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter stating that will reverse previous credit for {$1300.00} with XXXXXXXX XXXX XXXX XXXX in 10 business days. I didn't make any purchases or let anyone use my account or card ( statement with Merchants and withdrawls attached ). 
" WELLS FARGO HAS WRONG MERCHANTS AND WITHDRAWALS FOR XX/XX/22 CHARGES '' XX/XX/22, called Wells Fargo Claim Assistance Center and spoke to XXXX requesting an explanation and documentation regarding reversed credit for {$1300.00} with wrong Merchants and Withdrawals, they said will look into it and send information within 30-45 days
Consumer complaint received 2022-12-07
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: HYUNDAI CAPITAL AMERICA (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for 322 purpose.
Consumer complaint received 2022-12-07
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: LEXISNEXIS (MD)

Hello, several times I submitted a complaint about this company. On XX/XX/2022, I submitted XXXX as a dispute about bankruptcies that they supplied to the credit reporting agencies. I disputed those bankruptcies on the grounds of consumer laws ; 15 U.S.C 1681 ( a ) ( 4 ) 15 U.S.C 1681 Section 604 A Section 2 Once LexisNexis came back saying my bankruptcy was accurate and verified, I sent them a letter asking for, 15 U.S.C 1681 a ( e ) They sent me a letter on XXXX XXXX stating that bankruptcy was unverified through the XXXX report and it will be updated and deleted from my file. I called again on XXXX XXXX for verification of the deletion. A representative told me that they only deleted one of my bankruptcies and the other one came back verified?! I asked how is that possible when you got your information from XXXX website and that I didn't give permission nor did the bankruptcy courts provided that information. They could not answer 15 U.S.C 1681 a ( e ) How could one be verifiable and the other is not? I want the other bankruptcy deleted from my report. I will upload the letter they sent about the deletion from my file and copies of my XXXX Report to show proof that they lied about being unverified because they know they violated Consumer Law 15 U.S.C 1681 a ( e ).