davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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. (MN)

I do not recognize these hard inquiries on my credit report. I dont believe these to be correct on my credit 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (PA)

I had a refinanced loan with Wells Fargo around XXXX for my XXXX XXXX XXXX under my maiden na.e XXXX XXXX. They made it very hard for me to pay my loan. I had an account with them so I could pay my loan but they kept closing it if it were under a certain amount but that's because I only used it to out the car payment in so that I could then transfer it to pay my loan. Because of this I could only pay by walking in to the bank or mailing a check. 
I then was behind a payment for 30 days but under 60 and a man showed up at my apartment looking for me. He told my roommate he was law enforcement and when my friend asked for a name and badge number he wouldn't give it. I had my boyfriend who was a lawyer look into this and he stated there was nothing on file for me. When I called Wells Fargo about my account they said they've been trying to reach me and even sent someone out to do a courtesy check to make sure I was getting my statements. Which it is completely illegal to impersonate law enforcement. I then traded my car in XXXX and swore never to deal with Wells Fargo ago.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (KY)

I did not receive notice of debt from the primary party upon moving from my apartment. My credit report was pulled and it showed as a derogatory amount owed to a collection company. I reached out to the primary party with concerns as to why this was reported, and why I owed them, they stated it was from minor cleaning, and carpet shampooing when I moved, and stated they were no longer able to assist with clearing it to contact NCS. I contacted NCS several times and was told that if the primary party requested it to be deleted they would do so. The primary party then contacted them and asked for it to be deleted and they are refusing to do so. One customer service rep. Stated that I should just pay it and let the {$0.00} balance be reflected on my credit report, he went on to state that even if the primary party asked for it to be deleted, they will not do so because they filed it with the collection agency. I have been yelled at, hung up on, and received unethical advice from this collections agency. I was not greeted or spoke to in a calm and professional matter. I did not receive the ability to resolve the debt in a fair & professional way.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (OR)

My credit card is paid by my Dad from his account at XXXX to my credit card at Wells Fargo. That payment was made on XXXX. It showed the funds out of that account on that day and credited to my credit card. My outstanding balance at that time was {$600.00} and I have a credit limit of {$1300.00}, but my card was declined and the website showed no credit available. I just spent an hour on the phone with Wells Fargo and they say a hold was placed on the payment but they admit they have no idea why and will not release the hold until tomorrow. This is my only source of funds to pay for food and supplies ( I 'm a XXXX student without a job ). If they were able to give me a reason the funds were held, I would have understood, but they admit they do n't know ( I actually have a recording of part of the call ). I just ca n't believe this is legal and I was thinking if they did that to me, they could do that to thousands of customers and have the use of other people 's money for a week with no reason or explanation. Is n't this pretty much like stealing and then returning the stolen goods. That 's still stealing.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : CHILD SUPPORT ENF AG/N Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (IN)

Global Lending Services LLC. I received a check from my insurance company for {$2200.00} to fix some damage on my car after a tire blew. I called Global Lending and spoke with them about losing my job, and the insurance check. I told him I didn't have the money to fix my car since there is a {$500.00} deductible. They told me if I endorse the check, send it to them, they would use part of that check to get me caught up on my payments, and cut me a check back for the rest. That way I could get caught up on rent and utilities & actually buy XXXX gifts for my grandchildren as well. In good faith, I did this and sent a letter with the check about the phone call. About a month went by without a word. I found out they had cashed the check, hadn't called me, and hadn't applied it to my balance. I spoke with them at least 10 to 20 times over 3 months explaining the check and what I was told. One conversation with them they were able to see the check, tell me the amount and the check number, and told me it was put into an account for me for when I fixed my car. I went over again that I can't fix the car & what they told me to do with the check. She told me the person over that account was not there and would call me back tomorrow. This never happened & every conversation with them is as if we never talked before. Now, as of yesterday XX/XX/XXXX, a very rude and condescending manager named XXXX, at GLS was accusing me of lying about this check and telling me there isn't a check at all. I called XXXX XXXX my insurance company, they verified it had been cashed and deposited by Global Lending on XX/XX/22 and gave me the information & account number it was deposited into Etc. When I called XXXX back to give him the information, he wouldn't take it & gave me a generic email for customer service which is something I've tried before and gets no result, and told me to send it to that email. He continued to threaten me with repo & act like I was lying about this check and was very condescending again. At this point I have sent the information to the email, and I'm waiting to see. Unfortunately, if this doesn't get resolved soon, XXXX threatened that they would come and get the car at the end of the month, and it's XXXX already. XXXX also stated that IF there was a check, they would have already applied it to what I owe and get me caught up.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-07
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. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-05-07
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. (NJ)

Despite my efforts to resolve the situation, Experian has failed to cooperate in correcting their mistakes, which has had a significant impact on my life and family. While I have successfully contacted the three major credit bureaus to take corrective action, Experian has not fulfilled their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that their credit reports are accurate and complete. 

As a result, I have spent countless hours and resources attempting to rectify the situation, but to no avail. I have even contacted the relevant public record office to address the alleged bankruptcy reporting on my credit report and have received assurances that the issue has been corrected. However, Experian continues to report the bankruptcy, claiming to have verified the information with their source, XXXX. 

I have provided Experian with numerous letters from XXXX confirming that the information has been removed and expressing regret for the error. Nevertheless, Experian persists in reporting the erroneous bankruptcy, in violation of the FCRA 's requirement that consumer reporting agencies conduct a reasonable investigation of disputed information and correct any inaccuracies. 

The FCRA provides consumers with a right to access and correct inaccurate information in their credit reports, and imposes a duty on consumer reporting agencies to ensure that their reports are accurate and complete. 15 U.S.C. 1681 et seq. Experian 's failure to fulfill this obligation has caused me significant harm, and I request that the court hold them accountable for their actions and provide appropriate relief.
Consumer complaint received 2023-02-16
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. (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. 

Account Name : Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-07
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (MA)

I received an email from Trueaccord about a debt that I never owned. I called them to dispute the information and they asked me for my last 4 digit SSN saying that they need that information to access the account. I made a mistake and gave them the information. In the end, I was told that the debt was not mine and it was an error. However, I did give away my last 4 SSN. What should I do now?
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-16
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. (MD)

I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because.

According to 15 USC 1681, I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX 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 2023-02-16
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NM)

Company Name- XXXX XXXX XXXX XXXX XXXX City and State of Loan- XXXX XXXX New Mexico Year of Loan- 2013 Amount of Loan- XXXX Reason For Complaint- Payday loan company XXXX XXXX XXXX is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to XXXXXXXX XXXX XXXX and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NM)

Company Name- XXXX XXXX XXXX XXXX XXXX City and State of Loan- XXXX XXXX New Mexico Year of Loan- XXXX  Amount of Loan- XXXX Reason For Complaint- Payday loan company XXXX XXXX XXXX is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to XXXXXXXX XXXX XXXX and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: The J. G. Wentworth Company (CO)

I signed up for Debt Settlement services wit JG Wentworth. I was promised that I was pre-qualified for a program that would be guaranteed to settle all of my debts included in the program, and once all debts had been settled I was guaranteed to receive a loan to pay the outstanding balances and repair my credit. I signed up for the program and have now for more than 6 months been making my payments as planned. However, JG Wentworth made a mistake and can not qualify me for the previously promised loan because my total debts exceeded the limits of the program criteria. My credit has been significantly impacted upon this false promise from JG Wentworth and they are unwilling to correct their mistake. I have contacted them requesting several options to resolve this situation and each time JG Wentworth simply states that I have to put more money into the program and/or wait more time to reduce the debts to the loan approval range. However, not only will this take multiple years, JG Wentworth is no longer pursuing any debt resolutions for the outstanding balances with creditors because there are no funds left with which to reach an agreement. All of the program payment funds made by me have been tied into resolving only 2 accounts. I am now in collections with multiple collections agencies and JG Wentworth is doing nothing but charging fees from my program payment while doing no work to make good on their promises. JG Wentworth confirmed the person responsible for the false promises made has been terminated and Compliance reviewed the call and confirmed their were false promises made
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

I contacted Citi XXXX XXXX Credit Card XXXX in regards to a payment I did not authorize. I was set up for automatic payments for my monthly bill. I was setup for my statement balance to be paid in full every month. The payment was to be in XXXX separate payments monthly.. 

My bill is due on XX/XX/2023. XXXX weeks prior to XX/XX/XXXX I had made a payment to satisfy my Monthly statement balance. I checked my account online and it showed that my statement balance was XXXX and on XX/XX/XXXX I would owe nothing. 

However on XX/XX/XXXX {$3000.00} was deducted from my business banking account. When I called citi no one could explain why the payment went through or why that amount was paid. Can a credit card company just arbitrarily take random amounts from your account? 

I spent over XXXX hours on the phone with different representatives that assured me the error would be corrected.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MO)

Santander Consumer Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
Consumer complaint received 2023-05-09
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)

The credit reporting agencies are reporting an account that is not mine. I sent letters to the collection agency asking them to verify that this account is mine in which they have failed to do so. As stated in the letter sent to the collection agency XXXX  XXXX XXXX, the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? The original creditor XXXX XXXX wrote off an account, but it was not for this amount and I am tired of this incorrect reporting. This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped. Please remove the account XXXX XXXX XXXX XXXX.