davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (CA)

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX  XX/XX/XXXX
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NY)

I believe this is a fraudulent email that I get saying someone made a fraudulent charge to my account of XXXX and they say to call this number : XXXX to straighten this matter out otherwise I will be charged XXXX. Invoice # XXXX. I know this is a fraudulent matter.
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (FL)

On or about XX/XX/2021, my credit report was accessed from Maryland by XXXX XXXX XXXX XXXX '' This company is not legally authorized to access my credit report and I'd like Equifax to explain why they are permitting this. 

Litigation to follow.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IA)

Presently, I have a HELOC account established with Wells Fargo, {$0.00} balance in the account. 
I was sent two letters on XX/XX/2018 informing me that Wells Fargo needs verification that I have current homeowners insurance on the property that I use as collateral for this HELOC loan. ( This property is located in XXXX, Tennessee ) The first of these two letters was received XX/XX/2018. This letter states that I have 45 days to respond, or risk having the account closed. I took immediate action, notifying my insurance provider of this need. Proof of insurance was faxed on XX/XX/XXXX to Wells Fargo. 

The second letter was received XX/XX/2018. This letter informed me that if immediate action was not taken that insurance would be secured on my behalf by Wells Fargo, at a cost that may be much more expensive that my present policy.

The local branch office of Wells Fargo was notified of these two conflicting letters. They agreed that an internal communication problem existed within the department of " Hazard Insurance Processing Center. '' A third letter was received XX/XX/2018 stating that they have cancelled the temporary insurance coverage that was obtained on my behalf on XX/XX/2018. ( before receiving notice from the first two letters )
Consumer complaint received 2022-10-24
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (IN)

Bank account fraud. Bank was notified on XX/XX/2022 new card issued. Some transaction that I committed were given to me to negate there error in allowing my account to be overcharged by fraud, the other items could not be deputed till XX/XX/2022 cause they were in pending status. After pending status I went to the back to get the reversal of my lost funds in the amount of {$480.00}. Durning the dispute process a provisional credit was issued until the investigation was over. However just recently the funds were reimbursed back into my account and the provisional credit was removed. The bank stated per the representative that because I was in the area, I committed the fraud and the charges were legitimate.
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (PA)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b 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 ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/2021 XXXX Date of inquiry XX/XX/2021 Equifax XXXX - Date of inquiry : XX/XX/2021
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


US DEPT OF EDXXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Account Balance : {$0.00} ; XXXX XXXX XXXXXXXX Account Balance : $ {$1400.00} ; XXXX XXXXXXXX XXXX XXXX Account Balance : {$57.00} ; XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$170.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$630.00} ; XXXX XXXX XXXX Account Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MD)

I had a settlement amount for XXXX XXXX XXXX for a Lowes debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XX/XX/XXXX, my balance on my settlement would have been {$110.00}. In XX/XX/XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.
Consumer complaint received 2017-06-20
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. (GA)

I have been trying to resolve this matter with XXXX since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (IA)

I didn't close my account! When they told me that my account was closed, I asked them to reopen it because I did not close it! They continue to tell me to go in store to apply... I told them the closest store is 2 hours away and then all of a sudden today ( XX/XX/XXXX ) I get a letter in the mail stating my account could not be approved... I never reapplied because it won't allow me to... It states that my account is still open and I already have an account... When I sign into my account it says I have {$250.00} available in credit. So they checked my credit without my permission!!
Consumer complaint received 2017-06-20
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. (AL)

ON XX/XX/XXXX I FILED A COMPLAINT WITH THE CFPB COMPLAINT NUMBER XXXX. ON THE MORNING OF XX/XX/XXXX I CHECKED MY CREDIT REPORT VIA XXXX XXXX AND EQUIFAX HAD REMOVED SEVERAL ITEMS FROM MY CREDIT REPORT AND MY CREDIT SCORE HAD WENT DOWN 185 POINTS. EQUIFAX HAD DELETED MY XXXX XXXX  ACCOUNT BUT AFTER I DISPUTED AND SUBMITTED TO CFPB THEY PUT IT BACK ON MY CREDIT REPORT BUT THEY DID NOT PUT MY POINTS BACK. IF YOU LOOK AT MY CREDIT SCORE ON XX/XX/XXXX IT WAS XXXX  POINTS. ON XX/XX/XXXX IT WAS XXXX -- -185. EQUIFAX HAS NOT PUT MY POINTS BACK. I FEEL THEY ARE NOT SCORING MY REPORT PROPERLY. I HAD 2 BANKRUPTCY REMOVED AND MY CREDIT SCORE IS NOT REFLECTING A INCREASE IN MY SCORE. ALSO ON XX/XX/XXXX EQUIFAX HAD DELETED XXXX INQUIRIES FROM MY CREDIT REPORT AND ADDED THEM ALL BACK ONXX/XX/XXXX I SENT CERTIFIED LETTERS TO ALL OF THE CREDITORS ADVISING I DID NOT AUTHORIZE THESE INQUIRIES I DISPUTED WITH EQUIFAX THEY REMOVED THEM FOR 1 WEEK. AND PLACED THEM ALL BACK ON MY CREDIT REPORT TODAY XX/XX/XXXX. I AM ASKING EQUIFAX TO LOOK  INTO MY CREDIT FILE AND SCORE MY REPORT FAIRLY. THERE IS NO WAY WITH ITEMS REMOVED AND 2 BANKRUPTCY MY CREDIT SCORE HAS NOT INCREASED BUT DECREASED.
Consumer complaint received 2017-02-21
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

We had a lot of debt with credit cards etc and were sold a plan with Global Solutions and XXXX Law firm to consolidate our bills. Up until that time we were never, ever late on a payment. Due to illness we thought by consolidating we could pay less monthly and pay off the debt. What we did n't realize was that they would take all their fees up front before ever negotiating with the creditors causing our credit rating to slump and even getting a judgement. On top of that after only a few payments they raised the monthly payment to over {$1000.00} for a year. Then XXXX of the creditors forgave a large amount which resulted in receiving. A XXXX tax form so we had to pay {$4200.00} to the IRS.
Consumer complaint received 2022-07-25
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.
Consumer complaint received 2022-07-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX have all 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 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I have a checking account with Wells Fargo. On XX/XX/2022 I received a call from what I thought was Wells Fargo stating I had fraudulent charges. Later realized this was a phishing call and they removed {$1000.00} from my account through an ATM @ a Wells Fargo branch an hour away. I called and filed a claim and also called the local Police Department and started a police report. Wells Fargo deposited the {$1000.00} into my account pending results from the claim. Today, they reversed the {$1000.00} and caused my account to go {$600.00} + negative. I called and they said they couldn't find any fraudulent activity. I requested they look again and was told very bluntly that their deicision wasa made, and if I did file a police report, wait on them to solve it and go to small claims court.
Consumer complaint received 2018-10-23
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. (FL)

I pulled a copy of my credit report on XX/XX/2018. Upon Review of my report, I saw that equifax is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of XXXX that I do not owe. I sent a letter to Equifax on XX/XX/2018 stating this this is being reported in error and ask for validation of this account. I received a letter copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/2018 asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to so that i call myself and dispute this directly with the collection agency. I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/XXXX and I received the same response. No proof, just a letter that stated as verified accurate. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NC)

My partner received a phone call today regarding a civil dispute and requested a call back within 72 hours. I told her that I thought it was a scam, but she should call them just in case to see what it was about. She called them back and they asked her if she knew me, she responded Yes and they then asked for her to relay a message. At that point, I simply took over the call and asked how I could help them. 

The lady introduced herself as XXXX XXXX and stated that she was a Case Manager for XXXX XXXX XXXX XXXX, a law firm contacting me on behalf of the client Wachovia Bank/Wells Fargo related to a checking account that was opened in XXXX ( closed in XXXX and charged off in XXXX ). When I requested validation and verification of the debt, I was sent an email entitled Settlement Offer. When informed XXXX that this was not sufficient to verify the validity of the debt, she became defensive and stated that if I didnt care about my credit and finances she didnt. She then proceeded to threaten legal action, to report the account to XXXX and threatened to freeze my financial accounts. I told her that I wasnt paying a dime on an account that I knew was in good standing at the time of closure and unless she could provide a legitimate validation of the debt, she could go to XXXX and I hung up the phone. 

I reached out to Wells Fargo and was informed that this was a scam. They are not trying to collect any debt on any account that I previously had with them and that an account did not exist with the account number I was provided. 

I was also transferred to the collections department who stated that this was a scam and informed me that Wells Fargo does not contract with third parties, including law firms in an effort to collect debt - they keep all accounts in house.
Consumer complaint received 2022-08-01
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: Stenger & Stenger, P.C (MN)

I have a credit card account XXXX XXXX  XXXX ( XXXX ) which became delinquent XXXX when my employer down sized and laid me off. I contacted XXXX and they referred me to a collection agency, Stenger & Stenger since XX/XX/XXXX. I have made several offers for settlement of the account, but Stenger & Stenger is not responding to my offers. They don't even make a counter offer if they don't accept my offer. They at a time stated in a letter that they " seek to confer on a discovery plan and also to discuss possible settlement '' pursuant to Minnesota Rules of Civil Procedure, Rule 26.06 & Rules 115.10. 

I have made several offer. Instead of responding to my offer or sending me a counter offer, they keep sending court papers. They would send one package and wait for about a month and send another. They are very inconsistent. I have called them on the phone, but they don't answer their phones. These has dragged on for almost a year. I have settled my other accounts that were delinquent. But this one keep harassing me with court papers. I don't know what they want. We don't have to go to court little issues like this. Minnesota has provision for debt settlement. I want to settle this debt.