davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Balance : {$380.00} XXXX XXXX XXXX Account number : XXXX Balance : {$3200.00} ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX  ) Account number : XXXX Balance : {$3200.00}
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Consumer complaint received 2024-10-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

repetitive Baseless phone calls and Delay tactic letters. No form or sense of a resolution. 
This is a continuing issue by Wells Fargo stemming from XX/XX/XXXX, perhaps the company 's most notorious scandal, Wells Fargo employees were caught creating millions of savings and checking accounts for customers without their knowledge or approval after being pushed by their superiors to cross-sell products. 

Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. 

Unaddressed Past Issue : Incorrect : Our Firm does not and have not opened a Business Market Rate Savings account ending in XXXX opened on XX/XX/XXXX, and closed on XX/XX/XXXX, due to no customer-initiated activity for XXXX days. 

Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date.. 
Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date..
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (NC)

VALIDATION AND CEASE AND DESIST Collection agency name : Conns Appliances INC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX  NAME : XXXX XXXX XXXX XXXX  address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Conns Appliances INC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (NC)

I was emailed them and told the representative that I wasn't available to talk due to I'm at work and my job doesn't allow me to take personal calls. I also notify to to cease and dease contact and they still continue to call me more than 7 times within the 7-day period
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Credit Karma (VA)

I've updated my information with all agencies. Credit Karma will not updated my information. All I get back are generic email messages. No contact information to speak with any one about this problem. I have emailed several times and continue to get the run-around.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Conn's, Inc. (TX)

I had taken my XXXX to conn 's to purchase a refrigerator. They ran her credit and approved XXXX. While she was looking at merchandise the same sales rep also ran my credit for a kitchen table I was looking at. I decided to not purchase the table and my XXXX XXXX selected the fridge she wanted. The sales rep proceeded to process the credit but failed to switch the info back to her name and social. They left her birthdate on the account. Upon realizing this error we returned to the store and spoke with a member of their management team who pulled over the sales rep who verified he made an error in the paperwork. They instructed us to reach out to their credit department to get it corrected. When we called their credit office they stated we would need to make a payment and return to the store to correct the mistake. We returned to the store and called the credit office with the manager and again they said it was being corrected and would reflect on the next month 's invoice. Next invoice cycle came around and we were still unable to log into the online account so we returned to the store where they again called the credit office to submit a correction and took the next payment. This process repeated 3 more times and my XXXX XXXXr lost her job and was now unable to make the payments. We again reached out to correct the account but they still have not done so. They are now calling me 3 or more times daily to collect and I have informed them of the dispute but they say it is still my responsibility tobmake the payments because they now claim to have payment made using my card on file but I have never made a payment to this account. Every payment made was by my XXXX XXXX in person while trying to get my name off of her account.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (NC)

EOS-CCA ( XXXX XXXX ). Total debt was over 3000. 

I requested a settlement offer and I was also told that they could not provide this information in writing to me. 

I requested to make a final payment based on a settlement offer that I was provided in XX/XX/XXXX. I was provided a {$1500.00} settlement offer with payments for a 4 month period. {$370.00} per month. At no time did EOS CCA tell me that i had a 30 day window to pay this settlement offer. 

I called at the end of XX/XX/XXXX to change the payment to {$100.00} and to move the balance from that payment to the next payment due to unforeseen circumstances. Not one time was I advised that my settlement offer was going to be cancelled. 

I called again to do the same thing and once again no one stated that my settlement offer was cancelled. 

I called on once more asking about removing the debt from my credit report. I was advised that it could not be done. 

I made another call XX/XX/XXXX to get the final payoff of the settlement and it was that time that I learned he settlement had been cancelled. They try to say that I have not made payments when In fact, I made payments in the amount of {$100.00} and {$50.00}. 

I was just told by a representative today XXXX that I had 3 additional payments scheduled. How can that be if they only provided me 30 day window. 

I am requesting that this debt be REMOVED from my credit report. as I was provided incorrect information.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

This account was opened to purchase XXXX XXXX. We have made our monthly payment every month. In XX/XX/XXXX, we received at letter stating that we owe quite a substantial amount in late fees. We call the company to be told that we missed a payment back in XX/XX/XXXX. I looked at my bank records and said no, we made the payment. The Credit Card Services stated that I was making my payments to early, so they were being applied to the principal not as a payment. I said I have never heard of anything so crazy and why did you wait until XX/XX/XXXX for something you thought was wrong back in XX/XX/XXXX? No explanation, just wanted us to pay the full amount of late charges. We have made a payment every month, everyone agrees that money was received from us every month. On XX/XX/XXXX we spoke with an American speaking representative that told us that we are caught up in a, " MISS POSTED PAYMENTS CYCLE ''. Meaning that we are billed out on the XXXX of every month, so we can only pay on our bill after the XXXX of the month because our payment is due on the XXXX of the month. I have been paying the bill consistently between the the XXXX to the XXXX of the month and they are adding late fees and additional fees for non payment every month, even though we are paying the monthly payment! The representative stated that she was filing a complaint with the company, but it will take up to 30 days to get a response due to the high volume of complaints regarding this credit card company! The credit card company has reported us as a late payment risk that shows up on my credit report now! 
We understand that we are not the first people this credit card company has done this to, we want the excessive charges dropped and removed and our credit restored with explanation and remove the late payment history. from my credit report to be made whole.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (OH)

Chase Card continues to run my credit regardless of the credit freeze on my social security number. I have gone to the local police but they can not have the credit inquiries removed from my XXXX XXXX credit report, nor can they do anything in regards to my stolen social security number. Please remove ALL Chase Card inquiries from my XXXX XXXX credit report. I was told these are BLOCKED but that is NOT TRUE. These inquiries are CLEARLY on my credit report and need to be REMOVED IMMEDIATELY.
Consumer complaint received 2018-03-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rocket Mortgage, LLC (NC)

Quicken Loans replied on XX/XX/2017 ( letter included ) to a 15 USC 1692g debt validation and U.C.C. 9-210 account /collateral requests and did not produce the collateral or status as required in 14 days. When challenged in Federal court for the same they have not produced the requested data. Quicken is in violation of the Uniformed Commercial Code, FDCP Act and NCDCPA who simply sent a bifurcated promissory note when collateral was requested based U.C.C. 9-210 on the authority of a robo-signed fraudulent assignment. Despite the collection being disputed, they continue in the extortionate collections by communicating non-judicial foreclosure threats with fraudulent documents without any offers or communications to modify. 

QUICKEN LOANS AS SERVICER IS ATTEMPTING TO USE EXTORTIONATE, UNFAIR, AND DECEPTIVE PRACTICES IN VIOLATION OF FEDERAL DEBT COLLECTION PRACTICES AND NORTH CAROLINA DEBT COLLECTION PRACTICES ACT TO FORECLOSURE ON PROPERTY WITH A ROBO-SIGNED FORGED ASSIGNMENT WITH PROBITHED NOTARIAL ACTS. ALL PARTIES ARE MISPRESENTED IN THE INSTRUMENT OMITTING QUICKEN LOANS AFFILIATION AS OFFICERS OF EMPLOYEES WHILE REPRESENTING ANOTHER OFFICER OF ANOTHER ENTITY WITHOUT PHYSICALLY BEING BEFORE A NOTARY IN VIOLATION OF MICHIGAN AND NORTH CAROLINA PUBLIC LAW. THE SAME HAS BEEN REPORTED TO THE ATTORNEY GENERAL AND THE MICHIGAN OFFICE OF THE GREAT SEAL FOR NOTARY CONFLICT OF INTEREST SECTION 55.291 ( 9 ) A notary public shall not take the acknowledgment of a record by or to a bank or other corporation of which he or she is a stockholder, director, officer, or employee, under circumstances where the notary public is named as a party to the record, either individually or as a representative of the bank or other corporation and the notary public is individually a party to the record.

North Carolina Fair Debt Collection Practices Act 58 70 110. Deceptive representation.

North Carolina Fair Debt Collection Practices Act 58 70 95. Threats and coercion. 
No collection agency shall collect or attempt to collect any debt alleged to be due and owing from a consumer by means of any unfair threat, coercion, or attempt to coerce. Such unfair acts include, but are not limited to, the following : Using or threatening to use any illegal means to cause harm to the person, reputation or property of any person ;
Consumer complaint received 2018-07-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Ameritech Financial (MD)

For the last 2 years I've been dealing with AmeriTech. it first started with a initial payment of XXXX ( set ) that was broken down into three payments for them gathering my info. then the they start taking out XXXX for 6 months and after that its been XXXX dollars a month
Consumer complaint received 2023-05-17
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. (TX)

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 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 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is XXXX/WALMAR XXXX high limit {$700.00} and XXXX {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time.
Consumer complaint received 2018-07-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (TX)

I recently reviewed my credit report and saw that an account was sent to collections from Williams & Fudge Inc. The original amount for the reported debt was {$610.00} and now reporting  {$950.00}. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately.

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately.