davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

I have a letter from XX/XX/XXXX from a debt company called afni written to settle for {$79.00} for a debt they assumed is {$120.00} from XXXX. 

I called XXXX several times and even made an appointment to a local store to discuss the debt. No one from XXXX has been able to justify that debt for me after 3 months of calling and asking. 

From my record, I have paid my monthly dues to XXXX and when I stopped using XXXX as my utility company in XXXX, they issued a refund to me via check. And now 3 years later they sent my account to collection. 

I have tried to apply for a loan recently and that XXXX case has brought my credit score down and unable me to get my loan approved. I usually pay my bills on time and never miss one but this is affecting me a lot.
Consumer complaint received 2023-08-20
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: I.C. System, Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX I C SYSTEM 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Original XXXX XXXX about a fraud scam check deposited was reviewed and rectified on a XXXX yeqr old. The checkss were returned to the scammer l. This scam also allowed the theif to extract money from both checking and savings account via XXXX. Those funds were never there and the slammer sent them. This caused a negative balance in both checking and saving account. This case # is Wells Fargo case XXXX. Today XX/XX/23 they denied the fraud claim. Allowing the hacker to have the money from the scam check that was deposited. We appealed the denial and have not heard from their Executive dept..
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CO)

NEVER USE TRUIST BANK! 
Date : XXXX Actions : I'm buying a new house and the new loan was denied because of the Truist Bank wrong reporting and refused to make corrections. 
My loan was sold to Truist three month ago. I talked with Truist from XXXX to XXXX  and they kicked issues among them and could not resolve anything, and I requested to talk with management level person but every time each person kept me waiting for 24-48 hours and I never received any calls. 
My new loan officer showed me a regulation from CFPB showing that Truist violated the 60-day late payment during transfer laws. I've paid off all the dues and tried my best to negotiate with Truist, but their attitude is so horrible and not helpful. Everyone is like a robot and manager is hiding.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-25
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. (FL)

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.

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 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 seven 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a complaint last XX/XX/2023 but it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XXXX I opened 2 accounts online at Citizens bank website as I received a promotion to open accounts with an offer code to receive {$600.00} when I meet the requirements. I reviewed my statements and never received the promotion offer as I met the requirements. I called citizens bank on XXXX and a team member told me that he can not look into to it because they do not have my account application in file that shows my promotion code. I explained that I did in fact know that banks have to file my records and he said no they do not and I asked to submit a complaint and he refused. I then I asked him again that why and he began to to say bye thank you for your feedback and refused to take my complaint. I then asked for his name which is XXXX and he then proceeded to say let me look into this. I noticed that this department had a long wait time and this department was specifically for bonus offers not paid. I suspect this department has not been submitting cases and XXXX the rep wanted to rush me off the phone until I stated I want this complaint to be file and I want a complaint number. I have not received a call from citizens bank but I believe they are scamming customers into opening accounts with promotion codes and not following the guidelines and terms. I want this to be escalated immediately and this has caused me stress and I believe Im being discriminated against
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TN)

I have received communication from Aidvantage that my loan repayment will start again soon after it was on hold during the pandemic. Since receiving that info, I have tried over the last few months to communicate with the company handling the loan with no success. 

When I call, I am placed on hold and then hung up on. I have stayed on the phone up to 45 minutes each time I've called. I have placed over 15 calls to this company. They are my only point of contact as the school I attended during the timeframe of this loan, has been closed for many years. 

I have done everything I possibly can to try and resolve this. I have also communicated via mail with no response. Please assist me.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-08
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2019-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OH)

I received a phone call from this LVNV Funding LLC company saying that I owed them {$590.00}. And then they erroneously reported the debt to all credit reporting agencies negatively impacting my credit scores. Circumventing all my previous efforts to raise my credit scores. Destroying my score gains dropping my rising scores to the 400 's  from the mid 600 's.
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (IL)

I used Wise to make some instant transfers, which they charge an arm and a leg for. They took my money and never transferred the funds. Its been 2 days and I still have not received anything and they do not respond other than to send a form email about delays in transfers. If they can not perform an instant transfer, then they at the very least need to refund the service fees that they charged for an instant transfer. Taking Money under false pretenses is fraud. 
This happened three times, just this week and this is not the first time that this has happened. 

Additionally, this company in the past has lied about these practices and said that I chose a longer transfer time and their receipts will show that a different amount from what they actually charged me. However, I paid using the XXXX XXXX option and that is only available for instant transfers. The part where they claim that a different fee was charged is also 100 percent a fraud and a scam.
Consumer complaint received 2023-12-07
Product: Credit reporting 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. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Id like it noted that I have filed XXXX separate complaints. In XX/XX/2023 they agreed to remove this charge off of my account but then they never removed it, and then stated on XXXX XXXX that I had a missed payment ( or thats what they told the XXXX ) however, Ive no idea of this account, the information is wrong and they violated HIPPA. When I called for assistance the man on the phone was aggressive, stated that XXXX wasnt my name and then proceeded to inform me that he would not help unless I gave them permission to contact me directly. As they are a third party l, they should have no right to my medical files and payments for my insurance. The man on the phone transferred me to his manager and the manager gave me the narration of debt collectors and that he would not be able to assist until I allowed them to unseal the datawhile acknowledging that the they were indeed supposed to remove this charge off of my accounts. This is illegal and needs to be dealt with because they claimed that I have missed payments, affecting my scores and are continually haulting improvement.
Consumer complaint received 2019-09-13
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: EQUIFAX, INC. (LA)

I have tried to contact Equifax and XXXX  on multiple occasions I was reviewing my credit report recently and noticed hard inquires that I have no knowledge of and did not authorize, I've contacted each beareu at least twice weekly and they refuse to remove them.
Consumer complaint received 2023-12-01
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: EQUIFAX, INC. (VA)

XXXX, XXXX, XXXX XXXX have not reported accurately hard inquiries, score, & has claimed high credit balances that are erroneous to deny customer a higher score
Consumer complaint received 2019-09-13
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: Experian Information Solutions Inc. (TX)

I contacted experian, about several issues not updated in their report for credit card balances, this particular card showed XXXX balance on a XXXX credit limit. When my balance was XXXX. I filed disputes with them. Experian contacted my credit card company XXXX XXXX and asked them to lower my credit limit to XXXX, when I have not ever been late on, then updated my balance. Which would drastically lower my credit score,  instead of raising it.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MD)

I recently learned that my personal information was used to open accounts at Citibank. I did not open or authorize this account, and I therefore request that it be closed and remove out of my credit report immediately. I also request that Citibank absolve me of all charges on these accounts, and that you take all appropriate steps to remove information about this account from my credit file. 
After I contacted Citibank, they said that the above accounts were being paid form a bank account that had my name on it. However, this account has been closed by the bank because it was also fraudulently opened.
Consumer complaint received 2023-12-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMO Bank, N.A. (MO)

Please see complaint CFPB # XXXX. This is in regards to that. 

The company gave me payoff, I sent in a check for payoff which is XXXX. They tried to cash for XXXX. I made a complaint and they assured me that if we sent it in again in another check, which we did that day on XX/XX/XXXX that they would back date to XX/XX/2023 so that we wouldn't owe any kind of fees. The check has been cashed. Now they are trying to tell me we owe an additional XXXX dollars and interest. When we tried to explain everything to them, they just kept saying you owe this amount still. It was the companies error not ours! 

I was given payoff on XXXX different occasions and on the second occasion they assured me that as long as they received the check we would not be charged any additional fees. 

This is feeling like a scam from this company.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Quality Asset Recovery LLC (NY)

In XXXX i got notification that i was in collections from credit bureau. I disputed with transunion and XXXX who since removed it from my report. I also disputed with XXXX and it came back verified but with no proof. I have no knowledge of company quality asset. This is harming me and I requested it being removed for the lack of proof i requested over a month ago.
Consumer complaint received 2023-12-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I have XXXX  of dollars of AMEX gift cards and they are always declined at XXXX. Customer service agent told me to just use a different vendor. These cards are useless if I can't use them at the largest XXXX retailer in the world. The cards have also been declined at XXXX.
Consumer complaint received 2019-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ray Klein, Inc. (WA)

Professional Credit Service continues to call claiming a debt is owed but will not provide proof of debt after repeated requests from me. All they say is that they've sent a letter to my address, but I have not received anything from the company, nor have I ever received any validation of the debt. I have asked numerous times for them to stop calling.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX XXXX, and transunion did not modify or remove anything.

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family.

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I reached an agreement with XXXX XXXX to settle an old, charged off credit card account. After accepting my payment of the full settlement amount they continue to falsely report the account as being delinquent and having an outstanding balance. I filed a dispute with Equifax and XXXX fraudulently claimed that the account was still delinquent and I owed them additional money