davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I am writing regarding the Wells Fargo situation in which many, many accounts were opened without customer authorization. It happened to me in 2012 at the XXXX, N.J.branch There were XXXX accounts that I noticed in my online profile that I did not recognize. I called their XXXX number, explained what I saw and was told they would investigate. They told me the accounts were opened by a XXXX XXXX in person at the branch. I never opened any additional accounts at the branch and never heard of a XXXX XXXX. What they did n't tell me was that they were shutting down my accounts until they investigated. As a result I had no access to my money for 2 days. I went into the branch looking for the branch manager at the time, XXXX XXXX. I explained why I needed to see him to several people on different occasions but was told every time he was unavailable. It seems he was forewarned of my anger and was too guilty to come out and see me. I then formalized my complaint in writing and it was sent to a XXXX XXXX for review. After 2-3 days XXXX called me and said there was no wrong doing. To me this was a flagrant cover up by these XXXX individuals. Just recently, I contacted the wells hotline at XXXX and explained what happened. The woman I spoke to was very understanding and did confirm there were accounts opened under my name without my authorization back in 2012. Simple and to the point, accounts were opened without my authorization unlike what the XXXX people I have mentioned told me. I gave her the names of the XXXX people involved and she assured me my case would be re-opened and reviewed. Of course I would not be informed of the outcome of their investigation! Well, at this point I ca n't trust that any investigation would actually be done by Wells Fargo as they had covered up this situation before. For this reason I am writing to the CFPB. I did not incur any fees as a result of their actions so I am obviously not looking for any money, but it truly angered me to the core that they would do this to a 30 year customer of their bank. I keep seeing a figure that XXXX people were fired for doing the exact same thing these XXXX people did to me. XXXX person fraudulently opened the accounts ( XXXX XXXX ) and XXXX people covered it up ( XXXX XXXX and XXXX XXXX ). From what I understand, these XXXX people are still employed by Wells Fargo and they should be punished for their unlawful and unethical actions.
Consumer complaint received 2016-10-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENOVA INTERNATIONAL, INC. (WI)

Received a letter from Cash Net USA saying I owed them money for an account I had with XXXX XXXX only account I ever had with XXXX XXXX was a home mortgage that I closed out in full ( per credit report ), XX/XX/XXXX. I talked to a representative named XXXX from Cash Net USA ( on XX/XX/XXXX XXXX CST ) in regards to this matter and was asked verification questions which did not match me.She asked if I was contesting this debt and I replied " Yes '' .She then steered me towards getting a credit report, which I did.My credit report shows no debt 's owed to XXXX XXXX .
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NY)

ON XXXX XXXX I place a call to Wells Fargo to report a fraud. Wells Frago employee turn blind eye to my report, I woke on XX/XX/2016 to find my account empty out and have a balance of XXXX dollars I called them The supervisor I spoke with was very rude said there was no fraud, I told yes there is since I did not touch the money I had in my account I better not be having overdraft fee charge to my account because I had money in there but since they refuse to take care of my fraud report. XXXX/XXXX/16 I had XXXX that was directly deposited into my account they still took all my money bringing my account to XXXX. I call them again but they refuse to fix the issue, I woke up on XXXX/XXXX/16 to have XXXX charges of XXXX dollars fees for overdraft i call spoke to XXXX XXXX, on XXXX/XXXX/16 at XXXX, her response to me was is that all. I could not believe what I was hearing I have been calling regarding this issues non stop and all the agent got to say to me is that all. Wells Fargo STOLE XXXX dollars out of my account. I will be going to news with this, I have written an email to the board of Wells Fargo and NOT ONE PERSON REACH TO ME TO EXPLAIN TO ME WHAT IS BEING DONE & gt ; I AM CALLING FRAUD ON MY ACCOUNT, I HAVE A VERY LARGE FOLLOWING ON SOCIAL MEDIA I WILL POST MY CONCERNS TO EVERY SOCIAL MEDIA OUTLET SO EVERY NEWS CHANEL CAN PICK UP ON THE ACTIVITY THAT IS STILL GOING ON AT WELLS FARGO & gt ; XXXX XXXX THE EMPLOYEE AND EVERY OTHER EMPLOYEE THAT I HAVE SPOKEN WITH WHOSE AWARE OF THE FRAUDULENT ACTIVITY SHOULD BE FIRED AS WELL XXXX XXXX SUPERVISOR XXXX XXXX AGENT XXXX XXXX AGENT THEY DON '' T NEED A JOB I NEED ALL MY MONEY ALL MY XXXX DOLLARS BACK IN MY ACCOUNT THEN I WANT TO CLOSE THE ACCOUNT
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (SC)

I believe that PayPal Credit XXXX Synchrony has intentionally misled me and engaged in securities fraud by falsely leading me to believe that I owe a debt that has already been settled. This suggests that PayPal Credit XXXX Synchrony has received payment for this debt multiple times since the account was opened. Under 18 USC 1961, I assert that PayPal Credit / XXXX  actions constitute " racketeering activity '' due to their ongoing attempts to collect money from me. Consequently, I am requesting the CUSIP number for the securitized application related to my account, in which I hold a security interest due to my signature ( whether digital or handwritten ).
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC (WI)

After receiving a notice in the mail on XX/XX/2016 from GC Services I made a contact call to XXXX. I received a return message to contact the agency at XXXX. The person who took my call proceeded to collect personal information from me regarding who I work for, who I bank with and my martial status. I did not understand why this was needed. I did n't understand why I 'm being contacted by this agency regarding taxes that were already paid to the City of XXXX. The caller proceeded to tell me that I needed to mail GC Services at XXXX XXXX XXXX, XXXX TX XXXX and send them copies of my cashed check, XXXX. I do n't understand why I needed to mail private financial information to an agency when all I 'm trying to understand if I owe this debt. I was not polite during this phone call. On XX/XX/2016 I mailed an official notice to verify the debt.
Consumer complaint received 2016-07-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (FL)

I have a refund from Ebay, they gave me the following PayPal transaction ID XXXX. This is from XXXX XXXX, 2016, after several calls and emails to Paypal they ca n't find the transaction, they asked me for all my credits card numbers, address, accounts, they asked me if I have husband, brothers, son, they asked me for the name of the merchandiser, really I do n't know what kind of mess they have there but at this time I have no refund. They asked me the transaction number about 50 times but at this time I 'm scared because I gave to them all my personal information just for a refund and I do n't know if this is normal.
Consumer complaint received 2024-10-03
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. (NC)

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-09-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Financial Credit Service, Inc. (SC)

ARA Inc contacted me regarding a XXXX XXXX XXXX personal line of credit Acct. I did not own. They stressed to me If I dont make arrangements today They would place it on my credit report. It was stated to me the last XXXX ssn digits were mine and the bank is always accurate. I felt some uncertainty about it and I never dealt with XXXX XXXX XXXX. She stated they bought the acct from a previous owner.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I PAID OFF THE CREDIT CARD AND INTREST THE NEXT MO.LATER THEY INSIST I STILL OWE THE SAME INTREST AMOUNT ON A ZERO BALANCE! LANGUAGE BARRIER XXXX VERY BIG PROBLEM.COULDNT MAKE THEM UNDERSTAND! ..HAVE HAD THEM OVER 20 YEARS WANT IT PD! I WILL NOT BE USING THIS CARD AGAIN.AND TOLD THEM ON MY TAPED PHONE CALL I WAS GOING TO SHREAD THIS CARD.THE AMOUNT OF THE CHARGE IS SMALL.ITS THE PRINCIPLE OF IT ALL
Consumer complaint received 2016-09-12
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XXXX XXXX, 2016, several fraudulent charges were made against my Paypal account. After working with Paypal I was able to get XXXX of them reversed, however the largest one, a personal charge issued to a man apparently located in XXXX, was ruled against me. This was communicated to me with vague language and no explanation, and when I tried to find out way I was told that because I 'd informed my bank that these charges were fraudulent and my bank had ruled in my favor, Paypal had opted instead to stop trying to charge my bank and instead charged my Paypal account directly. I know noone in XXXX, have never been, and have no family or other connections to the country, and object to both their ruling against me and the lack of any details as to why they did so, combined with their refusal to provide me further information over the phone.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (CA)

On XX/XX/year> I notice there was a significant drop on my credit score. I looked at all the Credit card that was on there and saw a discover credit card I DID NOT open under my name had an owing balance of XXXX  of dollars that was unpaid. I called XXXX and opened a claimed it was denied.
Consumer complaint received 2024-10-03
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. (NY)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was being charged twice for many transactions since XX/XX/XXXX. Unfortunately I only noticed in XX/XX/XXXX so I filed a dispute. Capital One only gave me back the amounts for the transactions within the last XXXX days and told me they will no diapute charges further than XXXX days. The charges are from different companies, not just XXXX.
Consumer complaint received 2017-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX 2017 I contacted Trans Union about identity theft and their credit reporting that displays ancient information ( closed accounts ) and incorrect information regarding several accounts in my file.
Trans Union refused to make notation or correction of the items I disputed. In fact informed me that I had to contact the companies and provide information back to them. The other credit agencies XXXX and XXXX  corrected and deleted the same erroneous information on my credit reports.
I believe Trans Union has the responsibility to contact the company that provided the information to them to confirm its accuracy. As well all the credit companies especially Trans Union, who arrogantly prides itself as '' we are more difficult than the other credit agencies '' ( is what they stated to me ) should not be allowed to take any company 's word that a consumer is irresponsible, without proof, when a dispute is made. Trans Union should be made to require documents ; i.e. signed contracts and or agreements to confirm company reporting is accurate.
Consumer complaint received 2024-10-03
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. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2016-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bayside Capital Services, LLC (CA)

My mother got a phone call from Bayside Capital on Monday XX/XX/2016 for an attempt to collect a debt for me. First of all our phones are connected. I am listed so if anyone wants to contact me they can. When I called this company back they had my last XXXX digits of social and my current address. I asked XXXX why they would call my mom repeatly and he refused to answer and hung up.
Consumer complaint received 2024-08-28
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. (WA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-07-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (GA)

I have sent many disputes to the Credit Reporting Agencies and to Credit Collection Service in regards to their account that they are inaccurately reporting on my credit file. I have informed them many times that this account does not belong to me. But it just seems as if they are disregarding all of my letters. I have also sent them a Fraud Affidavit stating this and I did not hear anything from them and this account is still reporting on my credit file. I need your assistance in getting this matter resolved.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NC)

I am disputing GM Financial on my credit report I received notification from them that they did provide correct information to all three credit agencies for my payment record and my date for when the account first became delinquent. After reviewing my credit reports this was not true. The collection agencies have Re-aged this account and it is showing XX/XX/2014 as the last payment made. This does not match the date of my last payment to the original creditor. I am in the process of moving and this error is causing a problem with my credit report reporting properly.
Consumer complaint received 2017-03-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (CA)

I have repeated requested that GM Financial correct their Credit Reporting on the Auto loan # XXXX that has been subject to a XXXX CANCELLATION OF DEBT. I received the XXXX For tax year XXXX, wherein I had to include it in my tax return and incurred tax consequences. The continued reporting of a past due balance on my credit report is highly damaging to my ability to obtain favorable finance terms and is putting my family in a position where we are unable to secure housing due to this. It 's quite the troubling scenario, I ca n't actually PAY this bill to GM FINANCIAL because it has been cancelled, yet I am unable to correct my credit report and have it show that this debt is not past due {$11000.00} as of XX/XX/XXXX. This is a huge problem. Numerous correction attempts with the credit bureaus and GM Financial have yielded no results. 

I have done research on the topic and would like to advise both the CFPB and GM FINANCIAL that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled DEBT as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX ( XXXX. XXXX ) XXXX v. XXXX , 36 XXXX . XXXX XXXX XXXX. XXXX ) XXXX. v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). 

" is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at 270. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271.
Consumer complaint received 2016-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (NC)

I was told by a ACS/lender I had a loan from the institution I never attended. The name of the school was XXXX. When I did more research on this school it has been closed since 1997 for defrauding consumers by authorities. There was also settlement reached on 1997. My lender is not cancelling this loan rather they are adding interest to the principal and forced me to pay it. I am paying this loan {$11000.00}, because I do not want my credit to be spoiled. I feel this unfair practice. Please advise me how to resolve this issue.