davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MI)

Someone stole my identity end of XX/XX/2023 and opened or applied for various credit cards, bank accounts, loans, credit, etc. I have no further information other than I put a freeze on my credit after receiving denials from XXXX creditors in the mail stating they couldn't verify my identity. This one from XXXX XXXX or XXXX is one that I've actually received collection for.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

Upon receipt of this notice, Im demanding you to cease further communication with me through all mediums including my consumer report through the consumer reporting agencies. You do not have my consent or the express permission of a court to communicate with any third party in connection with the collection of any debt pursuant to 15 USC 1692c ( b ). I refuse to pay such alleged debt and any noncompliance to such notice being given, will result in me having to exercise my consumer rights against you for failing to comply with the provisions of the Fair Debt Collection Practice Act pursuant to 15 USC 1692k.
Consumer complaint received 2023-08-23
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. (NV)

After reviewing my Clarity consumer report I must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries, housing in
formation, housing status, income, employment, and banking information should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Consumer complaint received 2023-08-23
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: ENCORE CAPITAL GROUP INC. (IL)

15, United States Code ( 15 USC 1692f ), is a provision within the Fair Debt Collection Practices Act ( FDCPA ). This section outlines various types of practices that debt collectors are prohibited from engaging in while attempting to collect a debt. It includes activities such as : Collecting amounts not authorized by the agreement or by law Accepting a post-dated check and then attempting to deposit it before the date on the check Communicating with consumers regarding debts by postcard Using any language or symbol on envelopes that indicates that the communication is from a debt collector Threatening to take action that can not legally be taken or that is not intended to be taken In summary, 15 USC 1692f specifies a range of practices that are considered unfair and abusive when collecting debts, aiming to protect consumers from inappropriate debt collection methods.

Unfair Practices 15 U.S.C. 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. For example, a debt collector may not : Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law.
Consumer complaint received 2023-12-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ray Klein, Inc. (WA)

Professional Credit Service sent me a bill a year ago with an option to pay online, over text, or via phone call. However, the bill did not include an invoice number so I wasnt able to pay online. My attempts to pay over text went unanswered. When I attempted to call, there was no option to speak with a representative and the robot would not accept the account number I retrieved from the bill. I tried several times to pay, but none of the options provided by the company allowed me to do so. Today, I was able to get my account number to work for the first time over the phone. I now owe ~ {$300.00} in interest because of how late the payment was. However, the only reason it is late is because I was unable to pay due to their website, text, and phone service not working.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CO)

I have an old late pay on my account that is since closed but i don't ever remember having it. I am always set up on automatic payment so I'm confused how this late pay is on my report. I have tried contacting them to get it removed. The address they have for me isn't even an address i had. Can you help me to get this removed as it is damaging my credit score and keeping me from getting the best interest rates.
Consumer complaint received 2023-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX 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 2023-08-18
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. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-08-18
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 2023-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/XXXX XXXX Purchase - {$1100.00} XX/XX/XXXX XXXX Purchase - {$1300.00} XX/XX/XXXX XXXX Purchase - {$2400.00} Hello, These charges on this card are not mine. I'm not using this card as much lately and I see about {$5000.00} worth of fraudulent charges. I dont use XXXX I dont know if that is a shipment of something but I KNOW I havent spent {$5000.00} like that. I called twice as soon as I saw and they said " Capital One is Closed '' so until then Im sending this. Thank you. 

Thank you.
Consumer complaint received 2023-08-18
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. (IA)

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 2023-08-18
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. (IA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-12-08
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)

This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. 
This is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified? 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. 
I have never done business With XXXX XXXX XXXX Nor gave this third party debt collector access to my medical records. This is violation of federal law. 
Demand documentation on how this fraudulent Debt is being validated. 
Validation of Debt and HIPPA Release Authorization. 
Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX. 
XXXX XXXX XXXX collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.
Consumer complaint received 2023-08-18
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXXs customer service representative.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MO)

I am on a fixed income. I get Social Security monthly. I live in XXXX Missouri in an apartment at XXXX XXXX - XXXX XXXX my rent is XXXX dollars a month. I have had it taken out of my checking account with an auto pay app that is XXXX online portal, which charges XXXX dollars all together comes to XXXX dollars. I began having problems with the app in XX/XX/XXXX. I was being charged twice. I call my bank which is Wells Fargo to let them know and all so-called XXXX XXXX to let them know XXXX XXXX Gave me the money back in a form of a check. So, I call the bank back to cancel my claim. Bank told me they had to do a XXXX XXXX XXXX XXXX. on the XXXX. I was told that is money would be sent to XXXX XXXX in 30 to 45 days. Date was XX/XX/XXXX. I waited, In XX/XX/XXXX I was told by Wells Fargo they sent the money to XXXX XXXX. I call XXXX XXXX they tell me they never received the money. so I called the bank back to get information on who, what, how and where this money went to. and needed a written letter of proof that it was sent. all I got was a Claim number, and a bunch of numbers that was an ID number. I just do not know who has this money Wells Fargo or XXXX XXXX. i XXXX cant throw XXXX out the window. Can you help me to find the money? thank you XXXX XXXX
Consumer complaint received 2023-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (GA)

I was behind on payments and I entered a deferement proposal with the company. After making my payment I was sent a new contract updating me that my next payment will not be until XX/XX/2023. Their website is showing that I am a day late with my payments. I contacted the company 3 times on XX/XX/2023 via phone and email. I uploaded the contract they sent to me back to them via email. I spoke to the customer service rep ( s ) and they told me as well that I was late 1 day and that they would not honor the contract given to me by their company. I spoke to another rep and she has the same contract that I have and it shows that my payment is not due until next month. They refuse to honor a contract that was given to me by their office which is a breach of contract.
Consumer complaint received 2023-08-18
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$68.00} ; XXXX  XXXX XXXX Balance : {$26.00} ; XXXX  XXXX XXXX Balance : {$36.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5500.00} ; DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-02-12
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. (AK)

Received notice from the Alaska XXXX XXXX XXXX XXXX ( XXXX ) in behalf of my mother ( ageXXXX, I'm her daughter with POA ) and attempted to request a credit report in her behalf from all three companies that they provided ( Experian, XXXX, and XXXX   ) did not receive any ( typical POA problem I suppose ). I also request the same three request for myself and had my husband do the same. 

The XXXX never received for us. the Experian report had incorrect last name and the information on both reports overlapped with some other individual. I called on mine, and all they did was correct the misspelled last name and did not make any comment about the rest of the overlapping information or volunteer to send out a corrected report. 

I am now filing a complaint that this Credit Reporting Company "  Experian '' should not be relied upon.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To whom it may concern, I trust this message finds you well. I am writing on my behalf to address a recent 30-day late payment entry on my credit report, specifically from XXXX XXXX XXXX 

* Proven Financial Responsibility : * Throughout my credit history, I have consistently demonstrated responsible financial behavior, maintaining a strong track record of timely payments. The recent oversight is an anomaly and not indicative of my usual financial habits. 
* Challenges Due to Loan Company Practices : * The late payment was exacerbated by challenges stemming from the practices of XXXX XXXX, such as a. Not reinstating my autopay when I called in on XX/XX/XXXX and b. Prior to calling in on the XXXX - XXXX XXXX had a bug on their website where customers were unable to make payments. This bug lasted a few days and led to me wanting to utilize auto pay in order to say current. These external factors contributed to the delay in my payment, despite my ongoing commitment to meeting financial obligations promptly. 
* Consistent Positive Payment History : * Over the years, I have maintained a commendable payment history with XXXX XXXX underscoring my commitment to fulfilling my financial responsibilities. This isolated incident does not align with my established pattern of responsible credit management or XXXX XXXX and Is outstanding relationship. 

Considering my overall creditworthiness and the external challenges posed by XXXX XXXX procedures, I kindly request the removal of the XXXX late payment entry from my credit report. Doing so would ensure a fair and accurate representation of my true creditworthiness and financial responsibility. 

I appreciate your attention to this matter and thank you for considering the circumstances surrounding this isolated incident.
Consumer complaint received 2023-12-01
Product: Credit 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 (OK)

I cancelled my Pay Pal account months ago. Received email from Pay Pal on XX/XX/2023 from Pay Pal employee XXXX XXXX stating {$590.00} for XXXX had been charged to my account. Trade ID no. XXXX. I did not make this trade and even if I had it would not be paid with Pay Pal!!!! I was ask to XXXX XXXX. Called number immediately get a busy signal every time I call.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was the victim of a scam. I received email from XXXX/ w link to call, which I did. I was advised that I needed to transfer funds to pay for this. I said I did not do this, they said a claim needed to be done, I said fine, Then the person on the phone said that I need to check my bank account. I did and there was a huge transfer of funds into my account, and that I needed to return them via XXXX. I do not know how they got into my bank account at Wells Fargo Bank, I feel they had help, not only did I get the money and send it to these crooks, they also took money from my Wells Fargo Visa Account- CASH ADVANCE, which I did not authorize, nor did I know that this had been done. I immediately called the Wells Fargo Bank, they said I need to go into the office which I did, closed my accounts, filed the necessary paperwork for the FRAUD that was done with me, which I did. The bank manager said that Wells Fargo Bank should have caught this, but they did not. I did not authorize any of this, I have a verbal PASSSWORD on my accounts, no one from Wells Fargo Bank called me at any time. Now I have lost over {$20000.00} of my cash, plus the CASH ADVANCE money which Wells Fargo Bank is saying that I owe them, even though I did not authorize it. I have never taken a CASH ADVANCE. I feel that someone in Wells Fargo Bank is responsible for all that has happened to me, but Wells Fargo Bank refuses to tell me anything about who in Wells Fargo Bank approved of all that happened, which I firmly believe someone in the bank did make it all happen. Wells Fargo Bank has access to all of my information. I did not ever give any information out to anyone at anytime. 
I have received correspondence from Wells Fargo Bank saying I owe them the CASH ADVANCE MONEY, even thought I did not authorize it. I have had an account with Wells Fargo Bank since XXXX, Visa Account since XXXX.NO PROBLEMS. I need help. I am a senior, hitting XXXX. I have done reports to : XXXX XXXX Police XXXX, FBI, Federal Trade Comm.NAPSAXXXX, Office of the Comptroller of the Currency.
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (TX)

Over the last 4 years I began building credit, but have not been frequently checking and finding ways to improve my credit. Over the last 2 years, I found numerous accounts showing up and no resolution to these accounts. I also noticed improper reporting on one account that was mine. I tried to take action to this back in XX/XX/2023, but haven't had any luck with these accounts. I reached out via email to all 3 credit bureaus, but they have failed to provide any documentation to me at this point, or solution. It is a long and tiresome process that is difficult on my family, as I can not help with approval for a new home at this point.