davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (LA)

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. Additionally, the accounts was already removed from the other bureaus, so please do your part. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-20
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. (GA)

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$11000.00}
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX confirmed in XXXX way call with Wells Fargo Bank and scammer that fraudulent activity as happening on my account. 

XXXX filed claim with Wells Fargo Bank for fraudulent activity. 

Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX requesting to speak with supervisor/ investigators. Advised to pull the call on XX/XX/XXXX between real Wells Fargo representative and scammer. Requested fax or email to send proof that the fraudulent call came from Wells Fargo number. Advised under Regulation E ; should be protected. 
- On every call Wells Fargo would not allow me to send proof of scam. They would not allow me to speak with investor. They advised twice a supervisor would call, no one ever called. They would not listen to the recorded call in XX/XX/XXXX. 

XXXX received denial. Requested to file an appeal. Was advised, if they file an appeal, the same outcome will happen. They would not reopen claim.
Consumer complaint received 2015-04-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo, without my permission, issued a {$60.00} withdrawal to XXXX XXXX, Officer ( XXXX ) XXXX. That withdrawal caused an overdraft. I had already opened a new checking account at a different bank and had tried to close my Wells Fargo account but they would not close stating they do n't close accounts with incurred fees.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (HI)

XXXX XXXX 2016 -- XXXX YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. XXXX GAVE NO FREE REPORT ; must call or send info. Experian GAVE NO FREE REPORT ; must call or send info. and XXXX GAVE NO FREE REPORT. IN FACT CHARGES XXXX AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

Collections Show All Dispute Options A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed. ENHANCED RECOVERY COMPANY Dispute Item Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$400.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$400.00} Last Payment Date : Status Date : XXXX Status : D - Unpaid Comments : N/A Continue Dispute Summary XXXX XXXX XXXX for : XXXX XXXX As of Date : XX/XX/XXXX Personal Information Accounts Negative Information Inquiries Copyright ( C ) XX/XX/XXXX XXXX XXXX
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2023-05-08
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. (TX)

l 've repeating have send out numerous dispute letters requests. l 've done the theft identify copied letter and send out to all 3 major-credit reporting agencies. I have requested a fraud alert on my credit report. 
This are the inquiries that l 've requested to be remove. 
This are the following fraud inquiries : XXXX XXXX pull on XXXX XXXX XXXX XXXX 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 block or suspended my login to dispute. l have made a copied of notice. XXXX hasn't responded or remove the deleted accounts. Equifax has the same inquiries and still waiting on response.
Consumer complaint received 2015-08-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX/XXXX/2014, I paid a company called XXXX {$1800.00} and on XXXX/XXXX/14 I also paid XXXX {$4900.00} using my Wellsfargo debit card. 
The issue here is that I have been victimized by XXXX and XXXX along with several other companies and their blatant misrepresentations. The fact is that we did not receive what we were guaranteed I received a vague contract and were left to rely on the representative 's integrity. I told the sales person repeatedly that I did n't think we could do this and I were promised repeatedly that they would generate leads and get our business started ; I paid and trusted them only to be left stranded. This is a scam! The " XXXX '' was sold as a " business opportunity ''. I tried several times to get our money back and literally begged ; instead I received different sales people and a new sales pitch. I never received the services that were described at the time of purchase. I have looked into this company since then and found out that they have multiple complaints with the XXXX that sound exactly like our situation. This company has a long record of lying and taking advantage of people just like they did to us. 
Neither company has refunded our money. I contacted the merchant directly to no avail. These are NOT billing disputes. This is a matter of not receiving the products and services that were described to me at the time of purchase. Please have the bank investigate these charges so I can get my money back asap. 
THANK YOUXXXX XXXX
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (WA)

Client Number XXXX - Issue refinance to a low rate. Current rate 5.6 % Blocked from refinancing my home. Last year sold and investment property and paid down XXXX worth of debt. My credits score was at XXXX. For the last year I have paid all bills on time. See my credit report. My credit score is at XXXX. NO REASON. XXXX said serious delinquency on bills paid in 2011.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX  Account, # XXXXXXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX XXXX  XXXX XXXX, # XXXX U.S. Dept. Of Education. 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 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX Account, # XXXXXXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX U.S. Dept. Of Education. 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 2021-09-02
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. (MI)

I sent a dispute letter Experian on XX/XX/2021 in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive tried numerous times in writing and phone calls to retrieve my free annual credit report to no avail..the information they have is incorrect such as ..i had bought a house ..i cant get past the questions to retrieve my report..
Consumer complaint received 2022-07-20
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. (NY)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$290.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one I had years ago paid what I was told to pay and told them to closed the card I shredded the card and all and years later now in 2021 yall calling me saying I owe money when it was settle years ago
Consumer complaint received 2015-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (MA)

Loan Servicer failed to pay my taxes. I corrected this issue by sending a check to the city. Loan servicer has failed to send me a check for the taxes despite saying they will. They now will no respond to emails requesting the check. I would like them sanctioned for their mistake and if any statute allows for it, to further sanction them for failing to respond to request from borrowers. amerihome is the loan servicer who failed XXXX of the most basic requirements of loan servicers, which is to ensure the taxes get paid.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (NV)

XXXX continues on sending me bills that I did not owe, until they hired North Shore collection Agency. I explained to XXXX several times that I transferred to XXXX XXXX on XXXX XXXX, 2016 before XXXX took over XXXX, and that I fully paid XXXX. I gave XXXX the service discontinuation reference number from XXXX, but this did not work. I spoke several times with XXXX ' representatives and was transferred to different departments/phone numbers but nothing works.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

In  XXXX   XXXX , I saw an online offer fro m Citibank th at stated that if I open a savings account and deposit {$25000.00} before  XXXX / XXXX / XXXX  and maintain the deposit until  XXXX / XXXX / XXXX , I will receive a bonus of {$300.00} ( see attachment ).     I signed up for the above mentioned savings account and transferred {$25000.00} into the account on  XXXX / XXXX / XXXX  (    XXXX   statement in attachment ).      I maintained the {$25000.00} deposit beyond the  XXXX / XXXX / XXXX  deadline ( see other statements in attachment ). However, I never received {$300.00} bonus.     I followed up wit h Citibank vi a phone on  XXXX / XXXX / XXXX . In response they s ent me a letter ( da ted  XXXX / XXXX / XXXX  ; see attachment ) implying that this bonus is only for people who it was addressed to and so I do not qualify. However, like I mentioned above, this was a publicly available offer.     On  XXXX / XXXX / XXXX , I replied to the above letter from  Citibank stating that I do qualify for this bonus, since this was publicly available and that I have met all the requirements. I have not heard back from Citibank so   far.
Consumer complaint received 2022-07-20
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 XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-05-05
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)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PLS GROUP, INC (WI)

I had a vehicle title loan in XXXX with PLS on XXXX XXXX in XXXX Wisconsin. The title loan was paid off and the title was handed to me in person. I then went to the XXXX and received a clear title with the paperwork PLS provided. 2 years later I received a threatening phone call from " XXXX XXXX XXXX, XXXX '' stating I owed on a installment loan which I never had, A PLS employee at the store where the a ledge loan was taken out told me the prior employees took out loans in other peoples names and keep the money. The store was closed since this happened and my credit has been destroyed. I have asked for copies of the paperwork and PLS refused. Today ( XXXX/XXXX/XXXX ) I spoke with XXXX at the corporate office ( XXXX ) XXXX, they do admit they had a problem and would look in to it for me. This is a XXXX, I myself am a XXXX in the XXXX. Please give me a hand clearing my name and credit, I should also be provide compensation for the financial damages to me. I look forward to working with you. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A letter was sent to Transunion on XXXX/XXXX/16 regarding XXXX accounts from XXXX XXXX reporting a balance of {$460.00} and {$480.00} on XXXX/XXXX/16. A letter was sent directly to the creditor regarding the validity of the account. The letter was returned as undeliverable yet Transunion continues to report this inaccurate information.