davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NJ)

I received via United States mail a similar attached letter from Wells Fargo regarding obtaining a personal loan. Wells Fargo 's letter stated that interest rates depends on an applicant 's ( 1 ) credit score and ( 2 ) the amount of money requested ( 5.74 % to 19.00 % ). 
On XX/XX/XXXX I applied for a personal loan of {$3000.00} from Wells Fargo Bank. My credit score in XXXX was XXXX and the amount borrowed was {$3000.00}. I did not know at the time that I had been approved for an interest rate of 13.74 %. I contacted Wells Fargo on Monday, XX/XX/XXXX, and then on the same day with a with follow-up question. I received a standard voicemail that said " they will call me back in half hour at the number on their screen and that I would not loose my place in line. '' I am still waiting in cue. I again contacted Wells Fargo on Wednesday, XX/XX/XXXX at XXXX and was placed on hold with loud music. I hung up and dialed WF and spoke with XXXX in Wells Fargo 's executive office. My follow-up question is " what is the interest rate that is given to an individual with credit score of XXXX who borrowed {$3000.00}. I find WF 's interest rate to be extremely offensive. I believe WF is offering a bait and switch. Please investigate as I believe I have been hoodwinked and overcharged by bad behaving Wells Fargo. Many thanks for your help.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-06-09
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  Account XXXX XXXXXXXX, XXXX and 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 an account without my written instructions.
Consumer complaint received 2022-08-23
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-10-27
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. (NJ)

My equifax credit report date of XX/XX/2021, located in the equifax credit report " REVOLVING ACCOUNT SECTION '' has not updated for several months. The reported balances and credit utilization percentages are incorrect in this section of the report. This can have an adverse impact on my credit score. Please have equifax update the " revolving account section '' to reflect actual balances in other sections of this same report. 
I have talked to several different customer service reps. who have done no changes over the months. i dont know what else to do. please help me to correct this problem. Thanks.
Consumer complaint received 2022-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NC)

Received letter dated XX/XX/2022 on XX/XX/2022. This debt does not belong to me. I have disputed previously and the debt collector continues to send me mail. I wish to not be communicated with and wish to continue to dispute this debt. The debt collector is Capio Partners LLC located in XXXX, TX XXXX. Original Creditor reference # XXXX. Capio Account # XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, XXXX and 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 an account without my written instructions.
Consumer complaint received 2022-06-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

As far back as United States, XXXX the United States Department of education has utilized a third party debt collector to report a debt they employees of United States Department of Justice/Great Lakes says the consumer who is also the original creditor owes. It is innerstood that United States Department of education without a valid contract has altered and sold the social security card, name and account number which is linked to the all capital name which is the property of the social security administration pursuant 42 usc 408 without written consent, authorization or disclosure pursuant to 31 cfr 1.32 and 5 usc 552a. It is illegal and unlawful to alter, trade or sell securities instrument which was only intended to benefit the beneficiary/card holder to monetize and gain profit off of which is monopolizing. The legal fiction all capital name is a pseudonym also known as debased dog XXXX in which debt collectors and credit reporting agencies are using to cause liability to the beneficiary/The Natural Living Man who lives in his mind, body, soul with blood, brain and a pumping heart. The language on the credit reporting are is false and misleading pursuant to 15 usc 1592e and with all three credit bureaus such as XXXX XXXX, trans union and the department of education/great lakes put up on notice by phone and online yet they refuse to acknowledge or do anything about these matters are civil liability for wilful noncompliance pursuant to 15 usc 1681n , civil liability for negligent noncompliance 15 usc 1681o , civil liability 15 usc 1640, liability of assignees 15 usc 1641 and criminal liability for wilful and knowing violation. There's evidence of the department of education/great lakes soliciting debt notices through the mail which is mail fraud pursuant to 15 usc 1692-harassment and abuse and 18 usc 1341-frauds and swindles . Grammatically every removed from the credit report because the foreign dog XXXX language has no jurisdiction with english which makes this type of act a violation of 15 usc 52-disemination of falsified information, deception, trickery also pursuant to 18 usc 1001 , 18 usc 1030- fraud and related activity in connection with computers, 18 usc 1038-false information and hoaxes, 18 usc 1343-fraud by wire, radio or television, 15 usc 1692k-civil liability and 18 usc 1028a-aggravated identity theft. Debts are sins and goes against the good faith of Natural Living Man and that debt which is tied to an all capital name, symbols and psuedoyms are liabilities and are outside the scope of what security instrument social security card, name and account number that's actually a credit card pursuant to 15 usc 1602L was created for. Lawful Men and Women put up their mineral rights which involved gold and silver and their sweat equity to bail out the United States Corporation during the 1933 Bankruptcy and that social security card, name and account is unlimited credit.
Consumer complaint received 2022-07-03
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX Account # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction
s.
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)

Name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How did you talk to? 
One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

How did you talk to?

One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX Account Number : XXXX Please remove it from my credit report XXXX. The following information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 13. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 14. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report. 
16. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
19. Validate Account XXXX XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report. 
20. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
21. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 22. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
23. Validate Account XXXX Account XXXX : XXXX
Consumer complaint received 2022-06-09
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)

In accordance with Fair Credit Reporting Act : Account Name : XXXX XXXX XXXX XXXX XXXX, Account Number : xxxxxx XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX - CARD SERVICES, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX, XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights ; Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (CT)

In accordance of fair credit acts the list of accounts has violated my federal rights 15 U.S.C 1681 I have not XXXX giving permission for my info to be shared with. 
XXXX XXXX XXXXXXXX 15 USC I have not giving written construction 15 USC Have violated my privacy
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-09
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Personal Finance Center (GU)

I am writing yet again another complaint against XXXX XXXX from PFC ( Personal Finance Center ) and their attorney XXXX XXXX based off of their total disregard for the Consumer law, Federal law, and the XXXX XXXX. They issued a notice of foreclosure on XX/XX/XXXX and I filed a complaint against them to which they did not stop the sale of my house and only postponed it to a week later which is XX/XX/XXXX they have yet to respond to the complaint I filed on the 2nd but yet I was served an apparent " expedited foreclosure " on XX/XX/XXXX which based off of the XXXX XXXX is not recognized here and even if it was my home does not meet the criteria to merit such an order. PFC and their attorney XXXX XXXX have shown time and time again their total lack of respect for their customers and also their total disregard for any of the Laws they stated they apparently follow which they do not in anyway and my previous complaints and their responses are enough to prove my point even up until the time of writing this complaint they have never came forth with any sort of resolution to the issue at hand and instead are more focused on foreclosing on my home. I am very displeased at XXXX XXXX ( PFC ) and their attorney XXXX XXXX at not only how unprofessionally they conduct themselves but how unwilling they are to assist their customers. I would like to see a resolution to this but I highly doubt there would be one seeing as they are more focused on foreclosing on my home.
Consumer complaint received 2022-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (AZ)

I received legal service from the court regarding an unrecognized debt. The service and court documents stated an address that I have never resided at. In addition the addresses on the stacks of credit card statements provided with the court documents. When I received these documents I sent a written responses explained that I had experienced identity theft during the very out dated statements. In addition to the many errors listed, these statements have exceeded the Arizona 3 year statute of limitations. I have repeatedly asked them to cease and desist any communication. The law firm refuses to stop! The said firm : Gurstel Law firm is Located : XXXX XXXX XXXX XXXX XXXX, Az XXXX The Gurstel law firm continues to send me huge stacks of duplicate very old credit card statements from several credit card companies dated from XXXX. They simply send a new cover letter to accompany the same paperwork over and over. I have sent XXXX responses and I believe this to be intimidating and bullying tactics. I have informed them that I would be reporting them due to this non stop harassment
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I sent XXXX dispute letters to Dispute a payment status that is being reported inaccurately on XXXX XXXX. Payment statuses are to be reported as the CURRENT payment status. I have not received anything ion over 60 days even stating there has been an investigation started. This account was current and paid in full and closed.
Consumer complaint received 2022-04-25
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. (MS)

On XX/XX/XXXX XXXX XXXX reported to Experian that I had a medical bill in their collections. I disputed the claim with Experian on XX/XX/XXXX on XX/XX/XXXX Experian deemed it to be accurate. I disputed it again on XX/XX/XXXX and after Experian investigation- it remained on my credit report. I disputed it again and after having to get the FTC involved, it was finally removed on XX/XX/XXXX. I sent letters to Experian asking who did they speak with during the investigation. No reply. During each investigation Experian did not flagged dispute or remove dispute while it was under investigation. Nor did I receive any letter indicating that the item would be placed back on my credit report. I have sent Experian a certified letter informing them that my consumer rights were violated, detailed each violations with the consumer law codes and invoice. I received a message through my Experian account to contact Experian via phone on XX/XX/XXXX, I tried several times prior to today XX/XX/XXXX when I finally was able to speak with an Experian Representative, he mentioned that the Specialist Team has my letter and invoice and investigating.