davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian sent an alert showing that a new account was opened with my local credit union. I called the credit union, and they told me no such account was created. So, confused, I tried contacting Experian to see what information they were getting, and whether somebody else was trying to open an account in my name. 

Nothing in their robot phone tree addresses my issue, they refuse to redirect me to an operator, and their online system was non-functional. So now I have no idea who to contact or how to resolve the possibly-fraudulent alert.
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

I have my amazon store card on autopay and I am not as diligent as I should be checking my monthly balances, however I recently noticed a fee for card security that has been adding a percent to my balance for the last 10 years, and I have been paying interest on it. 
When I tried to resolve the issue with Amazon and asked for a refund l was given a partial refund because it was passed the 90 days of joining. Apparently they snuck it in when I applied for the card and I am not sure how Im only seeing this fee now, however its a service I never wanted and never agreed to.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, i called wells fargo to cancel the new card that was opened fraudulently in my name. on XX/XX/XXXX the impersonator of me contacted wells fargo and they reopened the credit card that i received confirmation of being closed. On XX/XX/XXXX i received notice from wells fargo that the credit card that had been fraudulently reopened now had a balance on it of {$20000.00} of purchases that i have not made since i do not have this card. Wells Fargo has done nothing for me. the impersonator has opened many accounts at wells fargo in my name and i have closed all accounts at wells fargo and they keep reopening them. i need these accounts to be closed and noted that they are fraudulent.
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: COAST PROFESSIONAL INC (MA)

I received a letter from a company called Coast Professional Inc, claiming to be a servicer for the U.S Department of Education. The letter stated that they intend to have my wage garnish because I had not call them to make a payment plan. I found that weird because I had made a {$200.00} payment 2 weeks before on https : //myeddebt.ed.gov which is where I have made all my payments for the past 3+ years. So I called them up trying to figure out the situation. I was not able to get them on the phone for 2 days. Every time i called i was on the line for over 10 minutes and no one picked up. On XX/XX/2019 at around XXXX XXXX someone finally picked up the phone after 5 minute waiting. Their representative made me aware that the call is being recorded, so i decided to record the call as well on my end and made her aware of it. Then she told me that i did not have permission to record the call. I asked her why was it ok for her company to record the call while I was not allowed. She put me on old to speak to her manager and came back to tell me that it was their company policy and hang up on me. I was not able to get someone on the phone after that. I attached the recorded call with this, the conversation starts at XXXX.
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (FL)

American Express contacted my father on XX/XX/2019. My father has nothing to do with my account and by contacting him is a violation of my privacy. 

Pursuant to my rights under federal debt collection laws, I am requesting that American Express cease and desist communication with my family and friends. American Express has my contact information and valid mailing address. I have received voicemails and statements from American Express.
Consumer complaint received 2023-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

In XXXX of XXXX I received a debit card from Cash App. I am not Cash App customer and never signed up for an account with them. The only way to contact their customer service area is via their app. You can attempt to call their customer service area but you are only able to speak with someone if you are a current cash app customer. Other than that you can only reach out via social media. I was finally able to get in touch with them via XXXX. After several days and after I proved my identity by sending them a copy of my driver 's license they closed the fraudulent account. When I asked how this could happen they directed me to their terms and conditions which in essence states as long as someone provides an address they can receive a debit card from Cash App. They also directed me to XXXX. However the people who attempted to open the account only had a fictitious email address and my real home address so there was really no identity theft On XX/XX/XXXX I received another debit card from Cash App. I still do not have a cash app account. I attempted to call and contact but again because I do not have an account I had to reach out via social media ( XXXX ). They cancelled the account within 24 hours but when I asked to put something by my name so another fraudulent account was not open in my name I was advised this is not possible and again directed to XXXX How is it possible a company can issue a debit card in someone's name twice without verifying their identity? Then when I ask them to stop I'm told their is no way to stop it?
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (NV)

i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of Equifax data breach 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

15 U.S. Code 1611- Criminal liability for willful and knowing violation
Consumer complaint received 2019-09-30
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2023-01-14
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: CREDIT ACCEPTANCE CORPORATION (CA)

So this is another report regarding credit acceptance corp so I asked them for the original contract they never sent it to me they sent me aone sheet of paper with a signature and not the signatures to the original contract which my name on the file was XXXX XXXX not XXXX XXXX XXXX it's a defamation of character the dealership sent me a fake contract to my house with fake signatures and credit acceptance corp sent me one sheet of paper when I asked for the original contract and I had a claim number through XXXX XXXX XXXX already that the insurance company should have paid for the car it should on all three bureaus o. My credit report as paid or it should not be on there at all I tried to fix this several times this is indeed fraud and XXXX also shows on my insurance paper my name that was on the original contract that's defamation of character I already have a claim number from XXXX insurance company through my legal sheild attorney so to be up on my credit report as a balance that's not paid is illegal and is violating my amendment rights
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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 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
Consumer complaint received 2019-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AZ)

Ally Auto has violated the FDCPA and the Federal Truth in Lending Act and my Civil Rights. 

Ally Inc. committed unconscionable acts of discrimination toward me causing damages as it furnished information to credit bureaus stating I was 30 days late three months before my due date ( s ) matured. 


The initial alleged delinquency for XX/XX/XXXX payment was false and repeatedly brought to Ally Inc 's. attention. 

I contacted Ally Auto and disputed the information three times and Ally Inc. updated the information on average in a matter of 3-4 days reporting the same inaccurate information as accurate causing an endless cycle of disputes with the credit bureaus and itself also destroying my credit rating in the process. 


Ally representatives alleged the debt was based on a rolling balance from a missed payment from XX/XX/XXXX. Later an Ally Inc. customer representative named XXXX changed the alleged delinquency to XX/XX/XXXX after I provided proof of XX/XX/XXXX payment. 


I have asked Ally Inc. for a proof copy of the notification of debt it claimed I owed for XX/XX/XXXX. Ally Inc. has repeatedly failed to provide any documentation of proof of debt which is required under the FDCPA. 


Ally Inc. alleged it waived the late fees/rolling debt and that I was actually delinquent for XX/XX/XXXX. I contend that Ally Inc. not only is liable for reporting inaccurate information with knowledge of errors, but also I have proof Ally Inc. attempted multiple times to collect on the alleged debt while I was in dispute further violating my rights. Subsequently if I incurred a late payment between XX/XX/XXXX and XX/XX/XXXX it was solely due to Ally 's repeated attempt to collect on a debt that credit bureaus have now deemed inaccurate. 

Ally Inc charged me hidden fees and attempted to cause actual damages based on a non-contractual billing practice which XXXX called a Hierarchy Payment System. This billing system allows Ally Inc. without the consumers knowledge to attribute extra monies included with monthly payments to the principle and interest as it sees fit. Micro debt can then be allowed to mature and be reported as a MISSED CAR PAYMENT as Ally Auto can not report late fees to the credit-reporting agencies. I believe with a reasonable investigation it will be concluded that Ally is still engaging in unethical billing schemes. The CFPB should be very familiar with the information I am providing as it successfully helped other victims receive a settlement from Ally Inc. in a very similar situation through Allys Auto lease program. 

I have reported this information to the Arizona Attorney General Office and they have taken a particular interest in the evidence I submitted and I suspect I am not alone in this complaint.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXXXXXX 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
Consumer complaint received 2023-01-14
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: Professional Debt Mediation, Inc. (FL)

I have a debt collection on my report from PROFESSIONAL DEBT MEDIAT. 
I have no knowledge of this debt collector. I have tried to report it to XXXX but nothing worked. I have never had any kind of contract or binding agreement with this company. I have no clue why they are saying I owe them any kind of money. This debt collector keeps reporting to my credit report and it is hurting my credit. I don't know if they have this in error but I have no knowledge of this company.
Consumer complaint received 2023-01-14
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$95.00}.
Consumer complaint received 2023-01-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; CXXXX XXXX XXXX  Date opened : XXXX XXXX XXXX  Balance : {$95.00}.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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 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
Consumer complaint received 2019-09-30
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: Capio Partners, LLC (FL)

on XX/XX/XXXX had physician services from XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX. 
Recently, a amount of {$62.00} was reporter to my credit as non paid debt. 
On XXXX called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl . The representative confirmed that they Did not do a Negative credit report on this account. and that the account was sent back to XXXX XXXX on XXXX XXXX. 
On XX/XX/XXXX - XXXX XXXX confirmed that the debt has been sent to?? Cappio Partners Llc.Phone XXXX. Cappio Partners confirmed that the debt is administered by AC Asset Care of XXXX TX. ( phone XXXX ) and that this debt was reported to the credit agencies. NON-paid. 
I did requested a statement of this debt and have it send to my new address. I have received the statement dated XX/XX/XXXX. 
I need CFPB support to have my Credit report Cleared of this debt. Once my credit report is cleared of this debt I will pay the due balance of $ XXXX. This will ensure that the debt is cleared from my credit report thus avoiding delays if the payment is done beforehand.
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$320.00}
Consumer complaint received 2023-01-14
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: SinglePoint GI (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written permission and instructions.