davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MS)

Completed mortgage loan application on XXXX XXXX. Closing was scheduled for XX/XX/XXXX. XX/XX/XXXX was asked for additional information regarding my HELOC. Loan did not close on XX/XX/XXXX. Went weeks without any communication regarding loan. The communication I have had can not answer basic questions regarding the status of my loan, only that it is not ready to close. Received closing date of XX/XX/XXXX. When processor was asked about this closing date, she told me the loan would not be closing on XX/XX/XXXX but could not provide an answer other than the loan will not close for at least 30 days after receiving a cleared to close. She could not tell me when I would get or to expect a cleared to close. I find it impossible to find any answers. The only communication is the communication originated by me. Emails go unanswered and when they are answered, the answers are abrasive and do not resolve anything or offer any resolution.
Consumer complaint received 2021-01-12
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: EXCEL FINANCE COMPANY (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-08-23
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. (NC)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Being that this is my third attempt at requesting this same information and you have failed to provide any substantial information outside of a credit report in an attempt to stall the process, you now have fifteen ( 15 ) business days to reply. 

I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my items for dispute below : XXXX XXXX ACCOUNT # XXXX -EQUIFAX - ACCOUNT # XXXX These two accounts are the same exact account. After disputing the XXXX account, you then listed the same account as EQUIFAX which is double jeopardy and illegal. 

Please delete these accounts from my credit report for failure to accurately list these items. 

I started disputing these items since XX/XX/XXXX and to the current date of XX/XX/XXXX, no response or deletion for reporting inaccurate information and then listing the same account twice under two different names. I have sent a letter disputing these two items every month. So for the last 8 months no change or removal, not even a response. Just simply updated. Updated to what??? Its inaccurate.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. 
the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

There are dozens of transactions completed on my account performed in XXXX varying in amounts from XXXX cents to {$9.00}. I contacted Wells Fargo as soon as I noticed the fraudulent transactions I contacted Wells Fargo via email, and asked my sister to contact them via phone, giving her the necessary account information. However, neither solution worked to incite action on behalf of Wells Fargo to address the fraudulent transactions. The responded to my message in the secure message center of their website stating, " For your protection, the transaction was declined by our Fraud Detection department. They need to speak with you to verify transactions. To reach us toll-free from outside the United States, please visit wellsfargo.com/help/international-access-codes for the International Access Code list and calling instructions. '' As I explained to them in my first message I am in a remote village in XXXX with little access to calling, especially for international numbers. Despite this difficulty, I still spent great effort to find a phone and risked great financial expense to call the number on their website designated for XXXX. All three of the numbers are not available. 
This is gross negligence on the part of Wells Fargo in securing my finances, which I have had an account with them since XXXX. I was shocked when I checked my account to see these transactions dating back to XX/XX/XXXX with no notification on their part to dozens of suspicious transactions occurring in XXXX, when I have set no travel advisory for XXXX. As a large financial institution with several layers of software security I am flummoxed as to how my account information got into the hands of someone in XXXX, as I am quite vigilant in not clicking suspicious links and keeping my passwords and card numbers secure. I am also extremely disappointed that after reporting fraud, they took no action and fraudulent transactions are continuing to occur on my account and as I have no way to phone them from XXXX, it is impossible for me to stop these transactions from occurring. Not only that, but I have noticed that though Wells Fargo representatives have stated they can take no actions until their fraud department speaks with me over the phone, several of the fraudulent transaction have disappeared from the account summary, demonstrating that something very suspicious is going on. I don't want to imply that the fraudulent activity is perhaps aided by Wells Fargo employees, but I'm glad I took pictures of the accounts last night, for evidence that some of the transactions have just disappeared even as WF has said they can take no action.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I noticed a few days ago that my Synchrony Bank account has been suddenly closed without any notice. I've had this account for at least 10 years and it has always been in good standing. As a matter of fact, the balance is paid off at the time of closure so I thought I had no reason to be concerned about it. After the fact, I received a letter from the cardholder stating that the decision was based " on a scoring credit system used to predict my creditworthiness '' and that I didn't score well on at least 4 points. Since I was considered credit-worthy for 10 years that I had this account, it's very clear to me that the real reason for this closure of the account was the fact that I lost my employment due to COVID 10 crisis ( I currently receive XXXX XXXX ) - and that made my credit score go down. I have no other way to describe this closure as the case of discrimination on the basis of loss of employment. In addition, this act violates the COVID 19 Federal Consumer Protection Policy. What makes this even more appalling is that the cardholder 's websites display a message saying they're willing to work with the customers affected by COVID 19 and do their best to help, etc. Such hypocrisy!
Consumer complaint received 2021-08-22
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)

I finally looked into my credit and saw Multiple accounts from XXXX After researching, I found out that they are a student loan company I've never encouraged if never incurred any stolen loans because I did not go to any schools so I demand this get deleted from my credit report ... ... ... Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2021-01-13
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)

Debt collectors are trying to collect debt not owed by me I was a victim of identity theft in 2019 and several accounts were opened in my name and social I have been on a hard road to get it fixed but XXXX XXXX XXXX and XXXX are giving me a hard time I assume they do not think it was fraud and they just assume that which is because I can see in my credit that whoever opened these accounts made a few payments and then stopped so I guess that may be why they will not consider it fraud
Consumer complaint received 2022-10-13
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 the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX, # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A.States i have the right to privacy 15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which enter dates the report by more than seven years.
Consumer complaint received 2021-10-30
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: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraud, i disputed them many times- Tue
Consumer complaint received 2020-01-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

in XXXX I presented my cd for payment to bak of America --  they refuse to pay saying they do not have any internal back up record. I have the original document as issued by XXXX XXXX XXXX XXXX XXXX ga and who in XXXX were merged into BAC bk of America re fdic XXXX. the cd is checked auto renewable and is active now. no bak has ever communicated in any way re cd nor were any funds turned over to Ga unclaimed funds
Consumer complaint received 2021-01-11
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. (TX)

four months ago I notified the credit bureaus of accounts that did not belong to me. It has been well over 60 days and I have not gotten a response or any type of update. I feel like I am being taken advantage of and the credit bureaus are ignoring my disputes. Section 611 ( a ) plainly stated that failure to complete an investigation within 30 days is grounds for accounts to be automatically deleted from my credit reports. It has been over 60 days actually so these accounts should be deleted from my credit report immediately. I demand these accounts be deleted or I may have to file litigation for the stress this has caused on my life. My information was also a part of the Equifax data breach and who knows who has been using my information.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
i aslo do not have any contact with my signiture between me and this company to pay.
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I have pulled all three credit reports and on my XXXX  and XXXX  report this company is listed as a collection for Medical Data Systems , Inc . I have disputed this item numerous times via different channels including but not limited to XXXX XXXX, XXXX and XXXX. The item just keeps saying it was verified. I have asked for proof numerous times to no avail. All I've gotten are remarks added to my credit report saying updated and verified. I want to see proof, a signature of mine, or something stating this particular account infact belongs to me. Otherwise it should be deleted from all bureaus that it's reporting to. With all the contact attempts made I have yet to have been shown proof that this account is mine.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

On XX/XX/2022 I was the applicant ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. ) ) 12 CFR 1002.2 ( z ) Prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant 's income derives from any public assistance program ; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau. And applied for a DISCOVER credit card via an application where i the consumer am the applicant, was denied of my good faith in extension of my credit. An inquiry was reported without my consent and my social security was used without authorization and there is no open account with discover whatsoever. There reasoning was " THE NUMBER OF RECENT INQUIRIES ''. Completely against the law to deny a consumer wanting to extend there on credit. According to the Equal Credit Opportunity Act 12 CFR 1002 an is discrimination against a creditworthy consumer, 12 CFR 1002.2 ( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants.
Consumer complaint received 2020-04-17
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. (MN)

The following account with XXXX XXXX : XXXX is a fraudulent and unauthorized account. I did not apply for the account. The account was opened up fraudulently. The account is not my account.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

I have called everyone I can to pay the Macys debt. NO ONE can help me and everyone says they have nothing under my name or social security number. Both XXXX and XXXX have removed this debt. I am willing to pay the only {$230.00} but NO ONE can seem to take my payment or know where this debt is. If someone can provide me a phone number to call to make this payment I will, but how am I supposed to pay a debt I never even knew about until recently and when no one has any idea about it and no one can help me.
Consumer complaint received 2022-10-13
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. (TX)

And accordance with The Fair Credit act XXXX account name and number has violated my right 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  15 USC 1681 section 602a I have the right to privacy 15 USC 6181 section 2 604a also States a consumer reporting agency cannot purchase a account without my written instructions
Consumer complaint received 2021-08-23
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. (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX,, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThird-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

Hi, These company 's are showing late payments on my account that should not be there. 
I've called them several times and they have refused to update the information. I am in the process of buying a home and I can not have this on my account for another second. Please see the information below and have them update it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 DISCOVER BANK Late Payment XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 Thanks, XXXX