davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (NY)

a derogatory mark was placed on my XXXX and XXXX accounts regarding NTL recovery agency. This company violated my FDCPA rights by failing to 1. Send a 30 day letter to inform me of the debt 2. Also failed to validate debt 3. Failed to provide proof of their ability to collect in my county 4. Placed my account on my credit report. I've brought this issue up regarding my transunion account, however they are still showing up on XXXX and XXXX  accounts.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have now submitted 4 different dispute letters to Equifax regarding accounts that I do not feel are accurate ; these were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also filed a complaint against Equifax on XX/XX/XXXX with the complaint ID number of XXXX, which in return their response was that more information was needed ; which if they had reviewed the 3 different disputes I've submitted, they would see that they have the information they're asking for!
Consumer complaint received 2023-01-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (FL)

In XXXX of XXXX, we were told approximately 3 days prior to the targeted closing date that we would not be able to get the loan because he had only been at his job for 1 year and 8 months rather than 2 years. This information was known from the beginning of the loan application. We lost our earnest money, appraisal fee, inspection fees, etc. We had already hired movers and had to pay for extended storage. We were left homeless for around 4 months. The lender was also trying to use income for a rental property that was in the process of being sold. 

The company was Guild Mortgage in XXXX, Florida.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive sent 2 rounds of dispute letters regarding an inaccurate account thats being reported. The first response I got back from the first letter was to send proof of identity and I have done that and resent a letter explaining my problem and requesting a deletion. I have yet to hear back from the credit reporting agency XXXX and its been over 30 days.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2024-11-01
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX LEGAL DEPARTMENT ET AL RE : FORMAL NOTICE OF DEMAND FOR ARBITRATION IT has now come to my attention that despite my due diligence and amicable concern to positively find resolution into the matters on the fraudulent inaccurate reporting of companies XXXX XXXX and parent company XXXX XXXX via the illegally and breach of the binding arbitration agreement; the placement of deferment for payment code XXXX to consumer agreement upon closing and charging off the account at XXXX in retaliatory tactics to injury and detract further credit extensions on my part from other lenders and merchants. This is unethical, illegally, and egregiously injurious and discouraging to me as merchant that EQUIFAX would allow this gross misconduct thus potentially and liable to breach the established arbitration agreement between EQUIFAX and I ; both as the consumer XXXX XXXX XXXX, as well as the entity XXXXXXXX XXXX XXXXXXXX XXXX I HEREBY DEMAND AN ARBITRATION MEETING AND RESOLUTION BE HELD IMMEDIATELY based on these above matters not dealing in FCRA matters at this time. I expect a response in 15 days directly by email by a live representative at XXXX to discuss and disclose the details and terms to reach this amicable arbitration resolution. 


Sincerely, XXXX A XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

They called my phone XXXX A day. My phone is ringing constantly with calls from Conns XXXX XXXX. They call from a different phone number everytime, never the same number twice. So that makes blocking the calls impossible. The area are always different, my phone tells me it ConnsXXXX everytime they call. They mail my letters and send me emails daily. 
Their calls are disruptive to my life. They wake up my XXXX and interfere with my work.
Consumer complaint received 2021-01-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/2020 ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I received a text message from WELLS FARGO that {$5000.00} had been authorized to be taken from my account to pay a XXXX XXXX account. The person had used my checking account and routing number and the funds were removed from my account. 
*This exact same thing happened in XX/XX/XXXX the week before XXXX, which caused extreme stress since I was unable to purchase gifts for my family At that time, {$5500.00} was taken by my account to pay for some XXXX XXXX card I have NEVER had a XXXX XXXX, and have never had a transaction for that amount in the 20 years that I have been with this bank. 
Today, when it happened a second time I called, and was told that they would investigate and it could take up to 10 days to get my money back. The rep XXXX provided a case number of XXXX. I explained that I am now unable to pay my bills, and have XXXX XXXX in my home that I am raising. I have to buy groceries to feed my family. He said they will put a stop payment against any future transactions relating to XXXX. I asked him why that was not done last time in XXXX when this same exact thing happened. He said it was. I asked if it was done, then how was my money taken AGAIN. He said it was done this time by a call pre authorizing the transaction. I told him that was exactly how it was done last time as well. 
I entrust this financial institution to protect my money They have allowed my account to be accessed and all of my money taken twice within a 30 day period. They need to be held accountable for this Thank you in advance XXXX XXXX
Consumer complaint received 2021-02-02
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. (TX)

I received a call this morning, XXXXXXXX XXXX on XX/XX/XXXX, from a XXXX with XXXX  XXXX XXXX XXXX XXXX She was calling me in an attempt to collect a debt. I was informed that I owed money for a short term personal loan from XX/XX/XXXX for {$600.00} through XXXX I have never in my life taken out a personal loan, nor would I. This is absolute fraud! I have no documents, no nothing ; I was only just made aware of this!
Consumer complaint received 2021-01-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (PA)

This relates to my student loans as it relates to the covid-19 relief forbearances. I was under the impression student loan holders would not have to do anything that this would be automatically set by the loan servicers. Prior to the Cares Act my student loans with AES were in a IBR ( income driven repayment ) I assumed that the Covid-19 suspension would include all government loans ; however I recently received a letter regarding my loans on XX/XX/2021 and this is when I realized that my loans were never suspended but remained on the IBR according to the provision of the Cares Act and the Covid Emergency. 

The letter stated that I needed to recertify by XX/XX/2021 and start making payments by XX/XX/2021 though the Covid-19 Disaster forbearance expires XX/XX/2021. 

However if you contact AES and Fed Loan Services regarding student loans and the Government Covid-19 forbearance through their automated services both companies will send you a email stating that the forbearance may be ending soon not including the correct date XX/XX/2021. In the case of AES no actual date was included in the email, encouraging you to go into a payment plan, it is more like tricking consumers of possibly coming out of the government provided forbearance if they are in one. 

This seems to be true of American Education Services and Fed Loan Services both sent me a similar email which I will attach along with my the IBR Recertify letter from XXXX XXXX. I recently entered into a new IBR with Fed Loan Services on XX/XX/2021. Fed Loan Services automated email communication as of today XX/XX/2021 still states that the Covid-19 Emergency Forbearance expires in 8 days on XX/XX/2021 when it is clearly posted clearly posted on studentloan.gov and other sites related to student loan.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (DE)

We previously submitted a complaint because someone fraudulently used our gift card before we opened it from the original packaging. COMPLAINT ID XXXX submitted on XX/XX/XXXX. 
The company responded that we didnt comply with the 60 day notice period. They did not investigate who used the card. Our card was canceled and we didnt get the money back. How are we supposed to be aware that the card was fraudulently used back in XX/XX/XXXX when the first time we used it was in XX/XX/XXXX. Therefore, we can not comply with the 60 days notice period if no one notified us that the card was used. And they have not identified who fraudulently used the card back in XXXX. We believe it was someone inside the company who had access to our card information who fraudulently used the card. We need our money back.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXXXXXX XXXX XXXXXXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than XXXXXXXX XXXX. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate. 
Affected by XXXX or XXXX XXXX ( XXXX. 
XXXX )
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I took a taxi in XXXX, XXXX from XXXX de XXXX XXXX to my hotel, the XXXX XXXX XXXX. I paid with my Chase XXXX credit card. The charge on the receipt that was provided to me at the conclusion of the ride was in the amount of XXXXXXXX XXXX. The amount charged on the statement was XXXX XXXX. Believing this to be an error ( it seemed the merchant had erroneously added a digit to the charged amount ), I disputed the charge with Chase, and provided Chase with a copy of the receipt. The merchant ( the taxi service ) apparently provided Chase with a fraudulent receipt reflecting the fraudulent amount of XXXXXXXX XXXX. Note that the signature on the fraudulent receipt is not mine, and that I was not asked to sign a receipt. Chase denied the dispute, claiming that the fraudulent charge was valid. Of note, the same credit card was used to pay for the flight and the hotel. It is verifiable that it was impossible during that time to take a taxi ride long enough to incur a charge of XXXX XXXX The correct charge was XXXXXXXX XXXX and that is what is reflected on the receipt provided to me by the taxi, and that I provided to Chase.
Consumer complaint received 2021-07-14
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: Penn Credit Corporation (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (PA)

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

Section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-02
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: CarMax, Inc. (FL)

CARMAX AUTO FINANCE XXXX Opened XXXX  Balance {$15000.00} Many times delays that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NY)

I recently got married and changed my last name. I tried to update my name at Wells Fargo where I have a checking account. I brought my old debit card with my old last name as well as a W9, social security card, and driver 's license with my new last name. They refused to change the name on my account without a marriage certificate. 

When I then requested they close the account, they refused to close the account because I did not have any legal IDs with my old last name on them. ( I do not have old IDs because they were destroyed when I updated my name legally. ) Instead, they told me I would have to call to close my account XXXX all of the previous interactions were done in peraon ). When I asked how they would authenticate my identity over the phone since I wouldn't be able to show them an ID or a marriage certificate, they explained there were alternative procedures to authenticate over the phone. I asked to follow those procedures in the branch where I was to close the account. They said they could not do that.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (GA)

A consumer credit transaction with XXXX XXXX in XXXX Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX  is reporting multiple late payments on my consumer report for the following Account Name - XXXX XXXX Account Number- XXXX Account Type- Secured Loan Responsibility -Individual Date Opened - XX/XX/XXXX Status - Account charged off. {$460.00} written off. {$310.00} past due as of XXXX XXXX, which is a violation of 15 USC 1666b. I am demanding that XXXX return any fees that were improperly collected for this billing error. Furthermore, XXXX XXXX, never disclosed to me that they are a debt collector and that they were attempting to collect a debt which is a violation of 15 USC 1692. 


Account Name - XXXX XXXX Account Number- XXXX Account Type- Secured Loan Responsibility -Individual Date Opened - XX/XX/XXXX Status - Account charged off. {$460.00} written off. {$310.00} past due as of XX/XX/XXXX.
Consumer complaint received 2021-03-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputes letters to all 3 bureaus XXXX XXXX and Equifax about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.