davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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. (PA)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2019-09-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (LA)

We receive multiple letters per week advising us that we " have yet to take advantage of programs sponsored by the Department of Veterans Affairs ; you are entitled to a payment and rate reduction through VA eligibility lending programs. '' Usually it's a refund of between $ 1,400-2,500. 

The phone number is usually an ( XXXX ) area code, but the full number typically changes. The most recent one was ( XXXX ) XXXX. There is no listed address.
Consumer complaint received 2022-08-29
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$13000.00}, and XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$6500.00}.
Consumer complaint received 2022-08-29
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)

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Consumer complaint received 2021-09-03
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. (IN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-29
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. (PA)

The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2019-09-11
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. (FL)

XXXX reported a late payment on my account for XXXX 2019 despite confirmation payment numbers. I spoke with XXXX in XXXX regarding a separate question about my account and was told at that time ( around XX/XX/XXXX ) that my account balance was XXXX and I was up to date. A payment entry error occurred on their part and I did not know the account was considered late until it was reported to the credit bureau. I immediately paid XXXX as well as XXXX XXXX in the first week of XXXX, XXXX payment was due on the XXXX and I paid the amount by XX/XX/XXXX or XXXX as well as the payment due for XXXX XXXX. When documentation and proof was provided to XXXX, the information was rectified ; however, I have disputed with equifax 5 times since the problem and they will not remove the negative information. XXXX told me they could not " undo '' the report once it was filed. I asked them why it was reported to begin with since I made the payment and they explained that though it was entered incorrectly on their behalf, the account still shows past due and it automatically goes to the bureau.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

I called to pay off my mortgage on XXXX XXXX and the funds were debited from my checking account but as USBANK has repeatedly misapplied payments in the past I called on XXXX XXXX and as expected the payoff had not been properly processed. I was assured that this was corrected. Again, based on previous experience I called again today, XXXX XXXX and again the payoff was not applied and I was told it had instead been put in a " suspense account '' I demanded to speak to a supervisor and my current status is that USBANK is suppose to send me email confirmation and call me to confirm that the payoff has been completed. 
this was only after threatening to file this complaint and to pursue legal action. 

Multiple times over the life of the loan they have misapplied payments resulting in addithional interest charges. specifically instead of apply additional funds over the due payment applying it to future regular payments. 

Though social media I have learned that I am far from alone in this situation. Multiple people relate multiple mis applied payment or other " administrative errors '' which has caused them additional interest payment. 
what concerns me is that none of this would show up as a problem on any type of audit, the books would look fine but USBANK is systematically making " errors '' that cost consumers money and increase its profits.
Consumer complaint received 2023-03-08
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. (AZ)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$30000.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (PA)

Consumer : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Notice Of Cease & Desist This is a warning notice to the alleged wrongdoer of such debt which youre a debt collector because you are simply attempting to collect multiple alleged debts. I noticed I've been violated pursuant to the FDCPA, there is evidence of the use of abusive, deceptive, and unfair debt collection practices. There is also evidence of aggravated identity theft, misleading representations & harassment. These practices resulted in the infringement of my intellectual property rights. 

Pursuant to XXXX XXXX XXXX ( c ) ( XXXX ) I am invoking my specified remedies as a federally protected consumer. 

I am demanding all of the following : I refuse to pay this alleged debt. 
Stop illegal negative reporting activity to ALL consumer reporting agencies. 
Report positive monthly to ALL consumer reporting agencies Check of {$3000.00} for violations. 
XXXX XXXX ( not a billing statement ) XXXX, this is a notice pursuant to the FDCPA. Failure to honor the demands above and send proper validation of the alleged debt within 14 days of receipt of this notice, shall : Be taken as tacit agreement to the claims set forth, XXXX the consumer all demanded remedies and Will result in litigation/ and or arbitration. 


( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Assignees who are debt XXXX are responsible for the actions of those collecting on their behalf ; citing Police, XXXX at XXXX. ) Respectfully, XXXX XXXX
Consumer complaint received 2022-08-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

I Recently received communication from Receivables Management Systems attempting to collect an alleged debt from XXXX XXXX XXXX, the consumer totaling {$140.00} ( see attached ). The reference number is XXXX. This debt isnt valid & is being disputed. Im requesting they send me debt validation pursuant to 15 USC 1692g & Im also demanding they Cease communication until this debt is validated pursuant to 15 USC 1692c ( c ). ( In this complaint They equals Receivables Management Systems ).
Consumer complaint received 2019-09-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (MO)

Explain what happened! Ref # XXXX is some of what happened but it goes all the way back to my original complaint with the FTC case number XXXX this report will explain it better then I can right this instant. I know one of the cards ends in XXXX with XXXX XXXX XXXX and Wells Fargo Both are and have been being fraudulently used since I started I started them. I believe it may go as far back as XXXX! I hope I am within my rights to file a complaint against two banks together. I reference about 20 at once both foreign and local and nation wide. For now I want to start with a complaint against the miss use of my accounts with XXXX XXXX XXXX and Wells Fargo please and thank you! XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2022-08-29
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted immediately.

CONSERVE ( Original Creditor : 07 XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-08-29
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please REMOVE these items as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (NM)

In XXXX, I lost my job and we were forced to do a XXXX on our home with XXXX XXXX. After we signed the paperwork, XXXX XXXX sold the mortgage to Selene Finance without taking possession of the property. 

Selene Finance immediately filed for foreclosure and we did a XXXX with them. By XX/XX/XXXX, the property had been transferred and the foreclosure dismissed. 

After that, Selene Finance falsely reported that we owned them {$33000.00} to the credit agencies. They knew this information was false when they reported it. 

This does not appear on any of our credit reports. It only appears on the credit reports that lenders receive. We have been denied credit twice because of it and are in the process of being denied a mortgage I contacted XXXX XXXX at Selene Finance, the manage who handled the XXXX who told me that the information was not correct and that we don't owe Selene Finance anything. He had me send an email to their Customer Support, which I did, to get documentation to that effect. 

I followed that up with a phone call to Selene Finance CS and they acknowledge that they got the email and that the information is false but refused to provide us any documentation showing that we don't owe Selene Finance anything. 

We are about to be denied credit for the third time because of Selene Finance. 

All because Selene Finance knowing reported false information to the credit bureaus - information that is not shown on our credit reports - but has made it so we can't get a loan for a house or anything else. 

Worse, they admit the information is false and are refusing to correct it.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (AZ)

My unemplyment was deposited with Paypal because I dont have an account. They are holding my funds even after I sent everything they've asked for. They say it'll remain on hold for 180 days. I've sent them more than enough to verify my identity and now they've stopped responding to me. This is very much illegal. My children are suffering thanks to them. I have no means to pay anything and I've told them so.
Consumer complaint received 2021-07-15
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: JPMORGAN CHASE & CO. (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (VA)

On XX/XX/2022 at approximately XXXX XXXX, I accompanied a friend and XXXX military veteran to look at cars at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. We were assisted by XXXX XXXX and test-drove two automobiles. We asked XXXX XXXX if she could guarantee that any inquiry would not exceed a two-point loss to our credit and that no other companies would have our information shared and/or allowed to inquire about our credit and she stated that only XXXX would have permission to inquire and they would only review the information authorized by one inquiry from XXXX we agreed to XXXX The unauthorized inquiries were from XXXX XXXX XXXX, XX/XX/2022 XXXXL XXXX, XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021, WELLS FARGO added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, WELLS FARGO has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (GA)

US DEPT OF ED/XXXX IS ILLEGALLY trying to collect on a time- barred debt by reporting a balance I do not owe on my consumer report. New york has a statute of limitations of 3 yrs to collect on a debt. The alleged debt was opened XX/XX/2017 in NewYork- this account is past the statuue of limitations to collect on.
Consumer complaint received 2022-08-29
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: SYNCHRONY FINANCIAL (IL)

Syncs/XXXX XXXX bank ) on XXXX XXXX look at my credit I didnt do. 

XXXX XXXX XXXX XXXX XXXX ) look at my report I already have a car note wasnt me Synchrony mastercard ( bank ) look at my report those are all places I never put in for.
Consumer complaint received 2020-08-17
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. (VA)

Debt by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$200.00} being reported on credit report is incorrect and has been fully paid for ( see attached ). This must be removed immediately.
Consumer complaint received 2021-07-15
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: Westlake Services, LLC (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.