davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
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. (TX)

I am XXXX XXXX, and I am disputing Equifax inaccurate reporting. 
Equifax, how was an investigative consumer report conducted for the following : XXXX XXXX XXXX XXXX? Which friend, neighbor or associates of mine ( XXXX XXXX, Consumer ) have you interviewed concerning the disputes I have submitted? How did you verify these accounts? 

I am proving through the following documents that Equifax has violated the above referenced laws. Equifax has stated through online disputes, written disputes and verbal disputes that an investigative consumer report was conducted and has come back as VERIFIED. So, how was it verified? 

Was it verified according to 15 usc1681a ( e )? No, it was not. You have violated all consumer laws stated above. I demand that you delete the referenced accounts below immediately. I am expecting that Equifax will be compliant and delete this unverifiable account. 
*Cited from Violation Notice sent to Equifax* *Violation Notice document attached* *Government issued id attached*
Consumer complaint received 2020-08-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (MD)

This Auto loan was actually taken out with XXXX XXXX XXXX in 2017 and payments have NEVER been late until the COVID-19 Pandemic outbreak in XXXX. I applied for ONE MONTH deferral on XXXX XXXX website but NEVER GOT A REPLY. Paid TWO subsequent months in XXXX and XXXX to XXXX XXXX through my online account. Tried to pay for XXXX and the next thing I know was that my account was de-activated without communication. Account was passed on to XXXX XXXX and I have been inundated with phone calls even at odd hours. Reported XXXX XXXX to XXXX XXXX XXXX for unfair business practice and XXXX XXXX XXXX NEVER got a reply from them. There was no explanation why my account was passed on for collection and I really feel I have been treated unfairly. I agree for the amount owed but I need to continue with my online payments with XXXX XXXX XXXX and NOT with the collection Agency. Every other businesses and corporation are working with their consumers and I do not understand why XXXX XXXX is /should be different. I have NOT received any communication for this change in action. No payment stubs/Account details.
Consumer complaint received 2021-07-13
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: WELLS FARGO & COMPANY (NY)

The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and Wells Fargo Bank has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. Wells Fargo Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting 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 antedates the report by more than XXXX years. 

15 U.S.C. 1681XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have pointed out the inaccurate reporting of this account in the attachment documents below.
Consumer complaint received 2018-11-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I have received notification from XXXX there is a collection added to credit report.I have spoken with customer service at XXXX was informed wrong information until I was asked for date of birth. I was informed this is a medical acct {$85.00} for XXXX  the company do no have any documentation on file to provide to me. This is a fraud acct
Consumer complaint received 2020-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

I have unsuccessfully tried for years to get a account validated from Penn Credit Corporation and they have refused to send any documentation besides Account verified Yeah? By who exactly? It is my right to request this information and did not have prior knowledge of the fact they are legally obligated to send me all records pertaining to my debt.
Consumer complaint received 2020-08-17
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 provided my info to someone via XXXX who said they do in house mortgages back in 2014 and they have opened accounts in my name the XXXX page is no longer available nor a contact namber
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (AZ)

I met with the title company on XX/XX/XXXX to sign my closing documentation. On the night before there were errors I caught and contacted the XXXX mortgage person assigned to my account. 

There were mistakes but I agreed to sign as it appeared I was going to receive a refund from my previous lendor and insurance agent. 

On XX/XX/XXXX, I started getting phone calls from the XXXX  agent assigned to my closing that I needed to resign and back date documents that were incorrect. They changed multiple times throughout the day until I could no longer see what documents he was referring to or understand what the changes were. 

Up until this point ( about a month ) all documents were attached or downloaded to their website. Because I could not see the documents and he wanted them backdated, he then proceeded to email an unencrypted file to my home ( personal email ) exposing all of my personal information in the email.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Pulled credit without permission. Website was very broken and did not function as they claimed. I spoke with a chat rep about these tech failures on the same visit on which they are basing the fraudulent credit pull. Talked with rep when they called me in response to a negative online review, she was nice but did nothing to remedy.
Consumer complaint received 2022-04-25
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. (MS)

In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A section states : I have the right to privacy.

15 U.S.C. 1681 Section 604 A section states : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( A ) ( 5 ) section states : no consumer reporting 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 antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Information belongs to someone else
Company: Harris & Harris, Ltd. (IL)

XX/XX/2020 HARRIS & HARRIS, LTD Agency number XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is  {$150.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this tradeline to be removed from my credit file as soon as possible. The original creditor number that is listed is XXXX. 
This erroneous and illegal tradeline is damaging my credit greatly! Please assist.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 XXXXXXXX, 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 2022-04-25
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 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 2020-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (MI)

On or about XX/XX/XXXX I went to check my account balance on my XXXX  moneynetwork pay card from and noticed that there were numerous charges ( 241 charges for {$2.00} ) that started on XX/XX/XXXX and subsequently reduced my account balance to one cent. There were also 12 charges for {$2.00} but they were refunded back to my card after reporting the charges to both XXXX XXXX and XXXX as fraudulent charges. The 241 charges for {$2.00} have not as yet been returned to my account balance and were taken from my bank account via the debit card XXXX, yet there is nothing listed in my XXXX XXXX   transaction history to suggest I made these purchases. Nor does anyone besides me have access to my account information. I reported the multiple {$2.00} charges to both my bank and XXXX XXXX, but one or both of them denied or concluded it was not necessary to return the funds to my bank account. The fraud division at XXXX indicated that there was " inconsistent conflicting information '' as the reason for denying my fraudulent charges claim and I have since filed an appeal against their denial and await the results of their investigation. I also resubmitted a fraudulent charges request to XXXX XXXX and am awaiting the results of the review. Note : Update regarding XXXX XXXX : They claim to have invested it and have found nothing to support my claim. I honestly fail to see how they can fail to find sufficient information to support my claim when each of the {$2.00} charges were indicated to have been taken via XXXX XXXX nonstop for 56 hours in 10-20 second intervals until there was only the aforementioned one cent left in my account. I additionally submitted a police report on or about XX/XX/XXXX when I discovered the fraudulent charges.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Due to the corona virus and stay at home order XX/XX/XXXX in california i tried to call my credit cards company Citi card services i have 2 credit cards with the company and i did get through to one card by phone and they said they would put card payment on hold for 3 months XXXX and XXXX XXXX. But its not showing on my account it shows only my due past amount $ i dont want them to report bad credit past due. Now when i call im on hold forever no anwer on my second card i requested in XX/XX/XXXX online after i was onhold for more than an hour on phone no answer so i made my request to put my second card payment on hold due to covid 19 but now there is late fee and they are unwilling to remove it. Please help me with my isssues on both cards with citi cards.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Re : Request to Reinvestigate & Delete Accounts Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.1.XXXXacct. # XXXX2.XXXXacct. # XXXX,3.XXXX XXXXacct. # XXXX,4.XXXXacct. # XXXX,5. ( Original Creditor : ) acct. # XXXX6. ( Original Creditor : ) acct. # XXXX7. ( Original Creditor : XXXX ) acct. # XXXX  The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

After initiating a complaint against Equifax for failing to respond with in 30 days. And explaining that I wasnt mentioning the names of the companies cause equifax would dispute the items in question, Instead of addressing the actual complaint, and that I would attach documents that showed I didnt recieve a response on the two separate items from Equifax untill months after they were initiated. Do you know what they said? You'll never guess. They grabbed the names of the companies out of the documents I sent, and disputed thier accuracy once again. Instead of address my actual complaint. See attached document. 

This is an investigation into an on going problem with equifax. They failed to notify me of the results of a dispute within 30days. This no longer involves the other companies. There is no reason to investigate the items once again. Equifax failed to notify me. And they refuse to address the complaint against them. 

I have brought this to thier attention 3 times now, and not once have the addressed the complaint.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

Experian sent me an email XX/XX/2021, stating that my email address had changed. I responded when I could in XXXX XXXX  stating that I was locked out of my account and had not changed my email address. Many emails later have been ignored by Experian, which apparently has no functional live customer service department. 

I believe my account has been subjected to identity theft and can not reach the credit reporting agency to address this concern.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANCORP (PR)

I am writing regarding timely processing and disbursements of Escrow Payments. I have had a mortgage with Santander for MANY years. In XXXX after the impact of Hurricane Maria I performed my first Insurance claim and everything ran rather smoothly. Now in XX/XX/XXXX with the impact of the Earthquakes I tried to initiate a new claim and then is when I find out that since XXXX Santander had cancelled my insurance policy and I have no coverage even though my Escrow account has the funds paid by me, Santander just did not perform the Timely Escrow Disbursement nor did they notify me. I continued to be charged the full monthly payment which included the Insurance policy portion. Santander is claiming that Santander Insurance cancelled the coverage in XXXX and that I was not notified because they were not able to contact me. This is hard for me to believe because I have had many calls with Santander Collection and Santander Loss Mitigation, every time I get a call I do respond. My house has been significantly impacted by the ongoing earthquakes and I have been pushed back and forth between Santander and Santander Insurance, each blaming each other but neither are assuming responsibility. We are currently in the peek of the hurricane season, which this year is a very active one. I have had XXXX XXXX XXXX just thinking that I have no coverage. Mr. XXXX XXXX ( Director ) at Santander reached out last week requesting information in order to get a new policy in place, when I asked status upon my claim of the damage he reassured that Santander will not be paying anything because there was no active policy.