davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (CA)

Our Wells Fargo ( WF ) Visa experienced some $ XXXX in unauthorized charges. Reported these to WF and removed the charges, but a couple of weeks later all of the charges reappeared as WF sided with the merchants to reinstate the charges. WF discovered that fraudulent charges led to some email address that is not mine, to some address over XXXX miles away from me that is not mine, and that someone verified one of the charges using a XXXX XXXX phone number that someone had hacked into so anyone could have made that call. I mailed to Wells Fargo Fraud Claims " Reconsideration '' department today a detailed packet outlining how these pieces of evidence prove in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. Also WF said that someone faxed to a merchant an ID for me, but I asked WF to get that fax because I am sure it will prove that the ID is fake since at least no one stole my ID of that I am certain. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted no doubt fraud documents to try to use my credit card. This is more than credit card misuse this is account takeover. WF must remove all these charges because I will not pay for unauthorized charges, never.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I did not consent, nor authorize the reporting of this account on my credit report. This is a violation of 15 USC 1681b - Permissable purposes because it it false, and it violates my rights to privacy and fair and accurate reporting. I have also filed an ID Theft report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-06
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. (NC)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2019-05-19
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. (OK)

hard inquiries fraud i did not authorize them i call the company they said they can't help me both companys XXXX and equifax i want all this hard fraud inquiries deleted or i will take XXXX and equifax to court and post it all over social media and call the new channel i really mean it am hurt and i need it remove asap XXXX equifax XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX owes XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXl XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Radius Global Solutions and a validation letter was sent. On XX/XX/XXXX I reviewed my credit profile again as Radius Global Solutions had not responded nor has the account been reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, was ran through XXXX and not paid and that all information is correct.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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, XXXX, and Experian. 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 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 XXXX 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 help those who are victims of identity-theft. I request that an extended 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.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION (FL)

There was a loan by LOBEL FINANCIAL opened up for a car by my roommate XXXX XXXX at the time. I had nothing to do with this car. Not the procurement not the purchase not ownership nothing. Some how I came to a debt collector and says i am a joint account holder. Not true. I have disputed this but to no Avail. I have tried contacting them XXXX XXXX also tried contacting them. All to no avail. It is hurting my credit score and I am trying to buy a home. I have never signed anything from this company never heard of them actually.
Consumer complaint received 2020-07-07
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. (LA)

show tooltip button XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ALL FTC VIOLATIONS REPORTED AND SENT TO THEM
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXXXXXX, {$300.00} A close account can not be state a past due XXXX  XXXX, {$180.00} Account # XXXX A close account can not be state as past due XXXX XXXX XXXX {$1400.00} Account # : XXXX A close account can not be state a past due XXXX, {$380.00} Account # : XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

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

I told the Experian, XXXX and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 seven years 15 USC 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2020-07-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

My name is XXXX XXXX I'm a recently XXXX  XXXX XXXX Veteran that had my signature signed fraudulently signed by Ocwen LLC in XXXX as a co-borrower for a refinance. Here 's a little history. I was a co-signer on a Mortgage with my Mom from XXXX. Fast Forward to XXXX and Ocwen refinanced a Mortgage with my Mom and they apparently got her signature and put mine as a co-borrower as well. The Documents were never sent to me, or notarized which they need to be. When my Mom died in XX/XX/XXXX, I discovered then that I was on this Mortgage then. After unsuccessfully trying to contact Ocwen to refinance this in my name, they gave me the run-around. I was deployed overseas then, and they never told me that my Mom must have refinanced with her signature, and my ( forged ) signature from them on this document is when I noticed a $ XXXX Mortgage remodification was done in my name without my consent. I found this out from XXXX XXXX Mortgage, which is who Ocwen sold the mortgage too. XXXX XXXX were the ones who told me about the $ XXXX when I tried to refinance with them since I was getting nowhere with Ocwen. I believe they committed Mortgage fraud, they never called me, emailed me, or anything back in XXXX when they did this refinance.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX - Account Number:XXXX
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (TX)

submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX Calvary Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX-amount stated owed- {$670.00} XXXX CC . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX/XXXX  # XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a denture company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 at XXXX XXXX  I went into the Chase Bank to withdraw XXXX dollars from my checking account, the machine turned red and said attention can not distribute your cash at this time, it gave me a receipt, saying that it took the XXXX dollars and at the bottom of the receipt it stated. " We aren't able to give cash right now. Please call us at XXXX. '' XXXX. I called and was told too submit a claim with my bank I did that and still no refund or contact from chase regarding the issue. The manager that was in charge at the time would not look at my receipt or help me trying to explain the process. She did not care at all, she also told me the machine was acting up earlier that morning, wasn't working properly, but failed to put a sign on the machine and didn't put a sign on the machine after I left because my mom went in there to speak with her about the issue, and there was no sign that she's still let people use that machine and knowingly wasn't working correctly, was very rude to my mother as well. I went into another Chase Bank on XX/XX/XXXX spoke too a manager showed him the receipt he told me he would file a complaint against that supervisor and try too get to the bottom of everything but I have yet too be contacted I just want my money refunded back it is a lot that was taken and I have bills and am XXXX.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The following accounts listed on my credit reports are being reported illegally and are fraudulent for the following reasons : XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX XXXX. XXXX XXXX XXXX. Acct # : XXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. The above items are being illegally reported as charge-offs. I was never provided LEGAL details of what would happen if any of my accounts were to go into a default status. The Credit Card Agreements do not provide any LEGAL definition of an account going into collections or being noted as a charge-off. I have attached the credit card agreements for you to see. There are several very important issues that are not addressed. XXXX ). What is the LEGAL definition of an account in collections? XXXX ). What is the LEGAL length of time that an account is in default that it can go into collections? XXXX ). What is the LEGAL definition of a charge-off? XXXX ). What is the LEGAL length of time that an account is in default that it is considered a charge-off? Neither the credit card agreements nor the FCRA give any type of LEGAL definition of the terms above. It appears that companies can just make up the rules to whatever suits them at the time. Meanwhile, it is the people who suffer. I demand these accounts be removed from my credit reports due to a lack of informed consent, according to 15 USC 1602 ( k ), which makes them illegal to be reported as a charge-off. As you can also note, the 3 credit bureaus are not reporting the same information, which also makes them less than 100 % accurate. According to 15 USC 1681 602 ( a ) ( 1 ), " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Also, for this second reason, I demand the accounts be removed from my credit reports.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (CO)

Hello I wan na make a complaint for the Financial institution chime. on XX/XX/XXXX i filed a dispute Regarding Multiple unauthorized transactions. to unknown recipients the total amount was XXXX dollar 's that was taken and was sent On the pay any one features to these Recipients. It ooccurred in XX/XX/XXXX More unauthorize transactions continued on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX To XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX For about 2 month 's I was unaware of this. I didn't have my bank notification enabled. the company chime did Investigate the case But unfortunately they closed it and Email me that there was no error that occurred Therefore no funds will be Credited to your account Unbelievable. what happened is that a Person that I knew Had stolen my second phone. her name was XXXX she knew the passcode to login to my account Since i Trusted her i would let her buy little stuff Like Games on XXXX, accessories on XXXX app. But that's it. After I Got off work I tried to find my second phone Anywhere in my house I thought I put it. i then check my first phone To check my account on chime couldn't believe When I saw my checking account it was XXXX all my hard earned money was Send to these recipients. About XXXX dollars! Was taken. Please you have to help me i'm so sad chime keeps declining this case. Please try to help me!
Consumer complaint received 2020-07-07
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)

Ive tried multiple times to dispute Fraudulent information oN my reports. Equifax and XXXX  has customer service thats overseas and the workers barely understand English Ive been hung up on for lack of them understanding English. Ive contacted the company thats on my report and they says that theres no accounts listed in my name with them so why is it being reported on my account