davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (NC)

I am writing to dispute the following XXXX accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (MI)

I applied and was accepted by fortiva card card company on XX/XX/2022 and they still have not given me a card to use and they're still billing me their annual fee I reached out to them multiple times where's my card I never received my card I need a card and they just keep saying it's in the mail I don't feel like I should be getting billed for a service that I can not use it's like there scamming me and if I don't pay them it goes against my credit score
Consumer complaint received 2023-01-03
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)

In accordance with the Fair Credit Reporting Act XXXX Bankruptcy Court # 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 The above creditor have violated my rights under the quoted sections. I did not give my written instruction to furnish the accounts. Allegedly validating a debt isn't justification for not receiving my written instruction.
Consumer complaint received 2021-09-21
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: U.S. BANCORP (FL)

on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is ELAN FINANCIAL SERVI FOR {$14000.00}. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : ELAN FINANCIAL SERVI opened XX/XX/XXXX for {$14000.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

ELAN FINANCIAL SERVI HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.
Consumer complaint received 2020-12-11
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)

i have made several attempts to resolve incorrect items being reported to Equifax. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.XXXX 2. DPT EDXXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXXXXXX 8. XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

My account with Comenity has always been on minimum balance autopay since it was opened in XXXX of XXXX. I decided to switch my account to maximum balance autopay on XX/XX/XXXX. After processing this transaction online through Comenity, I received an email confirmation. However, Comenity failed to process auto payments for XXXX and XXXX. I reached out to Comenity on XXXX XXXX and expressed concerns about the failed autopayments, late fees, and the negative results of what would now be my credit score. Comenity waived the late fees, and I was told to reach out to the credit bureaus myself. I asked to speak with someone in their credit department to assist me with a letter stating the situation but was unsuccessful. 

I have attached the email confirmation of my autopay request. My account with Comenity has always been paid, and now with failed autopayments that Comenity did not see through and I'm left to spend time and energy in order to write disputes to XXXX, XXXX, XXXX and CFPB.
Consumer complaint received 2020-11-26
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. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I XXXX, XXXX have no contract / agreement with XXXX XXXX XXXX. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is CITIBANK , N.A . and I didn't agree to a contract with them either. I formed an agreement with Best Buy which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court. 

If XXXX XXXX XXXX can Produce a Valid contract between XXXX XXXX and XXXX XXXX XXXX stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CT)

Accounts ending in XXXX, XXXX were opened as a result of Wells Fargo reps sales pressure tactics to boost company profits, a XXXX XXXX settlement was made as a result of this. I received a payment in the amount of XXXX from this settlement and most recently, a separate amount of XXXX which as I suspected, does not cover all fees charged to accounts in question. My accounts with Wells Fargo were closed prior to settlement, I did not have access to them in order to view statements as well as fees charged to them ... Recently, I requested copies of statements through a complaint with the CFPB, it was marked as duplicate when in fact it is not. I believe Wells Fargo rep marked it as duplicate in order to avoid providing the information because it clearly shows their settlement and payments made are inadequate. A separate complaint was made to the OCC ( Office Of Comptroller Currency ) to obtain statement copies, which were received today on XX/XX/XXXX. The total in fees I show is XXXX, XXXX charged to account ending in XXXX, XXXX to account ending in XXXX. The settlement made by Wells Fargo appears to be made as a means to remedy, not resolve the issue pertaining to their high pressure sales tactics and fees charged thereof.. These accounts were opened as a result of constant recommendations by Wells Fargo customer service reps to open a second account for bill pay use, overdraft fees were charged to these accounts since opening when in fact I did not even need these accounts. I've attached a copy of statement showing these fees. Payment has been made in total to date in the amount of XXXX, XXXX from settlement, a separate payment in the amount of XXXX. I believe I am owed XXXX in total, not including fees from savings accounts linked to these accounts. I have reasonably deducted total payment received in the amount of XXXX for a total of XXXX
Consumer complaint received 2019-05-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Please know that I was not late on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX I wonder why Equifax, XXXX  and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (WA)

Chase is guilty of not posting charges chronologically, and charging me in a shady fashion to push my account into overdraft. They have a " 2 reversals '' policy for their overdraft fees and I have used this feature up in the last six months. I have had this account with them a little over three years. 
On XX/XX/2019, I checked my account to find I was {$18.00} overdraft. I had recently reached out to Chase about putting XXXX charges from days ago onto my account all at once at the end of the month. This was the case today. Nevertheless, I hurriedly had my mother transfer {$70.00} through the XXXX app into my account hoping to avoid the overdraft fee. Right after the transfer was completed I checked my account and there was {$50.00} in there. The next day I awoke negative {$88.00} overdrafted. This was XX/XX/XXXX. I had been charged the overdraft fee for three charges yesterday. I also had a new, non ACH Debit card charge for {$11.00}. I called to ask why I was charged when my account was not overdrafted by the end of the day. They claimed it was after the cut off time. 

I now had no money to eat. All the charges were days old charges from my XXXX. One from a week ago. All the charges were less than {$10.00}. I inquired about the {$11.00} charge. I had been told that they can not stop ACH Debit, but this was classified as a card swipe. I had signed a form at the beginning of my account stating I did not want them to allow my account to go overdraft, and to decline the charge. I was told by the manager on the phone that that didnt count and was deducted when I had money in the account. I checked my account today and I had three more late charges from XXXX, was charged {$34.00} for each. I was also charged {$34.00} for the {$11.00} charge I was told " didn't count ''. 

When I called the line and asked why I was charged for the {$11.00} charge, after a long period of " investigation '' the rep informed me that they treated this charge like an ACH Debit and just allowed it through. When I asked why a manager would tell me it doesn't count I was told they could not speak on " pervious calls ''. I asked them to pull my call and they refused.

I do not remember the manager 's name but I know the rep who transferred me to him was named XXXX. 
I am now {$200.00} overdrafted, and have not used my debit card for a sinlge swipe in five days. 
This is completely unethical business practices.
Consumer complaint received 2019-05-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve Experian 's continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

I am reporting a violation of the Fair Credit Reporting Act Willfully and recklessly reporting false information after being notified of the problem and failing to investigate or correct the problem. I recommend the highest maximum fine for this indiscretion and that the the unverified items be deleted immediately! 

They have not verified anything! I have letters from the debtor which clears me of this amount reading " past due on my file ''
Consumer complaint received 2023-01-03
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: LEXISNEXIS (CA)

LexisNexis provided accurate consumer report about my business to Bank. I was denied access to talk to their expert to address this issue. I was hung up on when I called and indicated to them that the information that they provided about my business is inaccurate. Their action led to my business being denied access to the funding necessary to progress my business.
Consumer complaint received 2019-05-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As a consumer and resident 's of the state of Missouri, I will excercise my right to file suit against the credit reporting agency inwhom is reporting unverified and unauthorized accounts inwhich has no certified physical documentation attached to it, but instead is being verified by electronic means inwhich can not be accepted as proof. So I'm demanding either you provide me with certified signed documented physical Verification, or block these accounts within 72 hrs upon receiving this. Please block the following : ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX {$940.00}, ( 3 ) XXXX XXXX {$1000.00}
Consumer complaint received 2019-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (GA)

On XX/XX/2019 I deposit a check at ATM In XXXX on XXXX XXXX in XXXX Ga. I paid the express fee. And then I went in the Branch and tried to get a money order and the XXXX XXXX gave me such a hard time about my funds and said that my funds was pending and wouldnt give me a cashier check. So I had to with draw from ATM and go to XXXX XXXX  for a cashier check.
Consumer complaint received 2023-01-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I recently checked my credit report and saw a very very very old account from Toyota motor XXXX as a charge off on my account!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reports dont even check if the info is correct or verify anything and just put it on my credit! i sent letters to all credit bureaus and to Toyota via certified mail # XXXX I need this fraudulent closed account and reporting to immediately be removed from all my credit reports!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent matter.
Consumer complaint received 2023-01-03
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. (IL)

This is a not a duplicate complaint and I'm not using any XXXX  party for this matter, I represent myself by myself and provide information on my own. The reason I'm sending this complaint because I have NEW Evidence of my statement. 
I go a few hard inquires on my report that I have never authorized. I have filed FTC report for this matter and included in this package. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX - XX/XX/2021 XXXX XX/XX/2021 These items MUST BE REMOVED FROM MY REPORT Immediately.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXXXXXX 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.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

So I went into my bank account to check my transactions my card was used by someone in the XXXX XXXX to order XXXX Now thats somewhere I dont eat my card stays home at all times XXXX XXXX XXXX every where I go Being my card was charged the payment was reversed back to me But this caused my to not trust the banks because why is my account being used when I never went to XXXX XXXX privacy is being invaded this caused me some XXXX  and made me uncomfortable
Consumer complaint received 2022-10-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

My mother died after contracting XXXX. Due to XXXX I was out of work at the time. I was unable to pay my rent and her back mortgage as well as her current mortgage payments. I reached out the mortgage company. They told me the house was already in foreclosure