davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

I have three credit card debts on my reports that were not opened by me! I send multiples requests requesting validation and proof of contract and they have fail to provide me the requested information. Thus debts are affecting my credit and I'm very unhappy of the lack of attention this co pay had showed to this matter by not sending the requested documents proving the validation of this debt.
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

Im fed up of American Express they have been running me around for months on a claim where the company XXXX Sent them a bill for repairs to the car days after turn in and they also sent the rental agreement with the check out stating I was checking car out with scratches and dings, and ON THE CHECK IN SIDE THEY HAVE NO ADDITIONAL DAMAGES!! And both check in and check out are signed American Express has had to reopen this claim 4 times!! I have sent in Pictures of the car, My statement, signed a affidavit, a video of car at turn in, and a copy of the rental agreement saying no damages at check in ... American Express has asked me to File some type of car insurance claim on the damages but that would be filing a false claim because there was no damages, as well as I have grave all the information that I can possibly give!! The amount in question is {$570.00} and i ask for this amount to be credited to my account right now! I 'm done talking to these guys!! running me around for months, open and closing claim, hoping I fail to respond so they do n't have to pay is wrong! This company has lied and was caught lying red handed by there own paperwork they sent to American express.. what more would you need besides there own documents, pictures and my statement!
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (IL)

This issue is with Wells Fargo..our car got repossessed and we had 21 days to pay the payment they wanted to get it reinstated well we paid it in the 21st day which is today the Monday XX/XX/XXXX. They said on phone it had been moved to an auction house XXXX hrs away from where it was supposed to be stored. Now they are telling us it's gon na take 10 days before car can be relocated back for us to pick up. They didn't give us any notification that they were moving it or give us any chance it time to pick up our personal belongings out if it ... which by law I believe they are supposed to do within three days after picking it up. So also now I spoke with bank on phone and they still say it's gon na take XXXX days to retrieve the car or I can make appt with auction place to pick it up myself. Well I obviously dont have a vehicle to pick it up right?! And they are also saying another payment is due at end of XXXX well I don't even have my car in my possession due to them sending it off before grace period was up o feel as if I don't have to pay that said payment because car will not be in my possession on says dates payment us owed. What can I do? Plz help I feel like I'm getting worked over here by this bank.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (ME)

In XXXX of this year I received a phone call from Cedars Business Services. This call ended abruptly, however I later decided to take the initiative and reached out to the via email. 
In the attached email with the subject " Let 's clear this up ... '', you will find my asking for documentation regarding any alledged monies owed. It also contains their response. 
On XX/XX/XXXX, I received an email which stated that the documents I had requested were ready, however, the supplied link simply provided information of the alledged monies owed ( screenshot attached ) to which I responded same and advised to not reach out to me unless they had the requested documentation otherwise I would file a complaint with the Consumer Financial Portection Bureau. 
Two days later, I received an additional email requesting payment but still no documents. 
So here we are! 

I have attached a zip file which contains XXXX email and a screenshot. All files begin with a number I have added to signify order.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

Well for one thing I've try a couple times to see if I can have my interest rate lower on my Wells Fargo Visa Card only to be rejected or given the round around game. 

Also to my Wells Fargo checking account was hacked too in XXXX loosing between {$12000.00} to {$8000.00} Wells Fargo never send me a copy statement of what was recovered nor a reimbursement of of my missing money. 

I stop pursuing the case since I don't worship money and money can always be replaced. But if I could get justice and closure from the CFPB that would be grate if not then it's either way I would be OK.
Consumer complaint received 2023-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NJ)

Good evening, In XXXX of 2023, I lost my job and have been out of work. Because of being out of work I am not able to make my student loan payments and was dropped from the repayment program I was in. From XXXX of 2023 through the present day I have reached out to Navient asking if I could put my loans in forbearance, they stated that I no longer have any time left and there is nothing they can do for me. In XXXX of 2023, I noticed that I received an email from Navient stating that I was re-enrolled back into a payment plan. I never agreed to be back in the program as I still don't have study income to keep up with the payments on the loan. Once again I asked if there is anything you can do to help out with my current situation. Each time I call which has been once a week, I have received different information about my case. I believe that Navient does not have a clue about how to handle my situation. On XX/XX/XXXX, I received a letter stating possible litigation. I believe that Navient has unfairly handled my case and does not want to help. I can't be the only person in this situation.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of therapy but even that I can no longer afford because of how badly my financial report has become.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I took out an auto loan with XXXX XXXX in XXXX. There was a civil matter between myself and XXXX that started in XXXX. I believed I had satisfied the loan back then and unbeknownst to me at the time, apparently XXXX did not. As time went by, I realized that XXXX was reporting the loan account as a " charged off '' account. I tried to work with XXXX years ago to have them report the account as satisfied but nothing was resolved. I also tried to dispute the account accuracy with the credit bureaus with no luck as XXXX was not reporting accurately to them. 

After becoming completely XXXX and suffering a XXXX a few years ago I just let it go for awhile. Now, it is over 7 years since this account was closed and I just wanted it deleted from my credit report. The past couple years the account was not even being reported at all to the credit bureaus by XXXX. 

So just recently I disputed it with Trans Union stating it was an old account that should be deleted. When I got the " investigation '' result, Trans Union said that XXXX told them it was a current open account that was a charge off and because of this my score dropped XXXX points! What!!!! My score drops XXXX points because of a dispute and unlawful inaccurate reporting by XXXX to the bureaus?? By legal definition a charged off account is a closed account and XXXX hadn't even reported anything to the bureaus for a couple years and now as I dispute it to get it deleted, XXXX says it's open???? And a charge off at the same time???? On an account that has been closed for over 7 years???? 

Can you please help me correct this unfortunate situation and make XXXX follow the law with accurate reporting and helping me get this old account deleted from the credit bureaus. Thank you so much for your assistance in this matter. 

By the way, I also included Trans Union in the complaint but their hands have been tied because of the unlawful and inaccurate reporting to them by XXXX. They are just doing their job so I have no issue with them. I just needed to include them so You would understand the situation and how it's reflecting my credit score.
Consumer complaint received 2023-07-25
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (MS)

Santander Consumer was the bank that supplied the loan for my XXXX XXXX XXXX. The vehicle was {$16000.00} at the beginning of XXXX when it was purchased. It was not explained to me that interest was going into a separate account. It was also not explained to me that there could be a GAP policy attached to my car note of {$470.00} per month. Fast forward to XXXX- they never supplied me with any information that they were in Federal Court for being a Predatory Lender. The vehicle was placed in the care of a towing company after the wheel was wobbling for a repair. The repairs totaled more than I could afford and at this point I had no choice but to contact them to give them the vehicle back voluntarily. During all of the time I owed them Santander called me almost every day and sometimes more than one time in a day. They ultimately decided to abandon the vehicle ( did not retrieve it ) and stated to me that the reason why was that it was not worth it for them but that I needed to continue to pay on a loan for the car a total of {$11000.00}. This means that over the last five years they have collected {$28000.00} approximately in nothing but interest and only {$5000.00} ( {$1000.00} per year ) towards the vehicle. Leaving me with an {$11000.00} balance to be repaid for a vehicle that was probably worth {$5000.00} or more of the {$11000.00} they stated that I owed in writing. When asked to send a communication by mail stating that they abandoned the vehicle they refused to do so. They have been calling me every day while I am working and trying to re-establish myself after the pandemic hit me financially as hard as it did. This is not right. Someone needs to do something about them. This was a flat out HOAX. Nothing they tell you is true about how the loan is repaid.
Consumer complaint received 2017-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XXXX XXXX XXXX SENT A LETTER TO MY HOME WITH MY NAME & ADDRESS TO COLLECT A DEBT NOT OWE BY MYSELF! I THEN TOLD THEM DO NOT SEND ME ANY DEBT THAT I DO NOT OWE PERIOD! FOR A HOME THAT IS NOT MINE WITH THIER XXXX EQUIPMENT AND DO NOT USE MY NAME OR ADDRESS. XXXX XXXX XXXX, XXXX. I FILED 2 COMPLAINTS WITH FLORIDA OFFICE OF FINANCIAL REGULATION WITH ENHANCED RECOVERY CO XXXX COMPLAINT # XXXX. THAT COMPLAINT WAS 6 TELEPHONE CALLS TO MY TELEPHONE NUMBER XXXX WHICH ONE WAS @ XXXX AND SIX DIFFERENT INDIVIDUALS ON THE PHONE NOT IDENTIFYING WHO THEY WERE AND WHAT COMPANY THEY REPRESENT FROM XXXX FLORIDA WHICH I SOON FOUND OUT IT WAS ENHANCED RECOVERY CO  USING A FALSE NAME AS XXXX THEN XXXX/XXXX/XXXX ERC SENT ME A LETTER TO MY HOME WITH A FORGED SIGNATURE OF MY NAME PRINTED AND ANOTHER ADDRESS AS TO WHERE XXXX PUT THERE EQUIPMENT AT WHICH IS NOT MY ADDRESS I CARRY XXXX XXXX SINCE XXXX AND NEVER HAD XXXX @ XXXX XXXX XXXX WS FL XXXX. ALL PARTIES USING MY NAME, MY PHONE AND MY ADDRESS FOR FLAT OUT FRAUD WILL HAVE TO ANSWER! XXXX SHOULD HAVE TAKEN PROPER ID WHEN CONTRACTING WITH ANY INDIVIDUAL WITH THE CORRECT ADDRESS NAME OF THE PERSON THAT THEY ARE DOING BUSINESS WITH. I DID TELEPHONE THEM AND TOLD THEM THAT INITIALLY XXXX XXXX AND XXXX/XXXX/XXXX WITH ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Consumer complaint received 2017-11-04
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: U.S. BANCORP (IN)

U.S. BANK XXXX XXXX SENT ME AN LETTER OF ERROR REGARDING THE CORRECTION OF ACCOUNT. WHILE LOOKING AT CREDIT REPORTS FAILED TO COREECT LATE PAYMNETS ON ALL CREDIT BUREAUS EXCEPT XXXX PLEASE CORRECT ALL LATE PAYMENTS FOR THE ACCOUNT IS PAID IN FULL NEVER LATE CLOSED AND SEND ME A LETTER TO HAVE THIS ACCOUNT REPORT TO XXXX.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The charges of {$1600.00} on account XXXX & or XXXX are fraudulent & were not authorized by me. All the information on this account was changed including number & address that I have no association with.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am writing to express my serious concerns about the handling of my personal financial information, particularly regarding XXXX accounts and unauthorized inquiries. As a federally protected consumer, I believe that my privacy rights have been violated, and I'm requesting immediate corrective action. 

I want to make it clear that I have not given permission for my personal financial information to be shared or reported, especially concerning any XXXX accounts. If any consent was given in the past, I am now formally revoking it. I believe that your company has failed to inform me of my right to keep my information private, which is a violation of my consumer rights. 

I've found several inaccuracies in my credit report, including mismatched dates and incorrect amounts on various accounts. This suggests that proper procedures are not being followed to ensure the accuracy of the information being reported about me. 

I'm particularly concerned about the following issues : 1. Affirm accounts are being reported without my consent. 
2. Unauthorized inquiries appear on my credit report.

3. My transaction history is being shared without my authorization.

In this context, I'd like to highlight the case of XXXX XXXX XXXX XXXX Federal Trade Commission ( XXXX XXXX XXXX, 2002 ). In this case, the U.S. Court of Appeals for the D.C. Circuit upheld the Federal Trade Commission 's interpretation of the Fair Credit Reporting Act ( FCRA ), emphasizing that credit reporting agencies have strict limitations on how they can use and share consumer information. This ruling reinforces the importance of consumer privacy in credit reporting and supports my position that my personal financial information should not be shared or used without my explicit consent. 

Based on these issues, I am formally requesting that the following actions be taken within 30 days : 1. Block and remove all XXXX accounts from my credit report. 
2. Delete all unauthorized inquiries, particularly those over 30 days old and not related to accounts I currently hold.

3. Correct all inaccuracies in my report, especially regarding account balances, dates, and payment histories.

4. Cease sharing any of my personal financial information without my explicit written consent. 
5. Provide me with a free copy of my credit report showing these corrections. 

I want to emphasize that this request is not made in error, nor is it based on any misrepresentation. I am exercising my rights as a consumer to protect my privacy and ensure the accuracy of information being reported about me. 

I expect these issues to be addressed promptly and in accordance with all relevant consumer protection laws.
Consumer complaint received 2023-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

Why is there interest on my new IDR program that was set up during the XXXX before payments started? This should be a reset without interest payments, yet an accrued interest of {$1400.00}.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted TransUnion by phone in XX/XX/2023, also XXXX XX/XX/2023 to remove incorrect names and addresses from off my consumer report and they stated they couldn't remove such information. On XX/XX/XXXX I sent TransUnion a letter requesting it to be removed and letting them know this information is inaccurate and doesn't belong to me and they have failed to respond. I also submitted an FTC report and attached it to this file.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc. (FL)

I made a payment to my XXXX XXXX XXXX XXXX for {$780.00} on XX/XX/2022 electronically from my Citi Bank account in error. The payment should of went to the new company that XXXX 's sold the XXXX card to which was Comenity Bank. My bank XXXX sent me the information showing that my electronic payment cleared through XXXX 's but XXXX 's never sent the payment over to Comenity Bank or sent the payment back to myself, they just held the money the payment for {$780.00} for a year now. I am attaching all the information from XXXX Bank showing I made this payment and also a copy of my bank statement showing the electronic payment went to XXXX 's and cleared at XXXX 's. XXXX 's sent me now a letter stating that the payment was sent to Comenity BankXXXX XXXX XXXX Comenity has been charging my account interest for the XXXX as I've been running in circles trying to find out which company has my electronic payment. This has been going on for over a year now nobody can find my payment. Both XXXX XXXX XXXX and Comenity Bank say neither have my payment, but XXXX Bank shows me making a payment and a debit for XXXX in my checking account. I am sending all of the supporting documents in hopes someone can assist. 

XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I have never own a ATT anything nor have I ever had an acct with them I am a XXXX & XXXX customer of years!!! i have no recolection nor knowledge or have an exist or previous account ever.
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (WA)

THIS RIGHT HERE IS MY XXXX REPORT AND IT SAYS I HAVE NO COLLECTIONS OR BANKRUPTCY IN MY CREDIT FILE SO WHY IS XXXX ENTERTAINING THIS DEBT, WHICH IS INCORRECT. XXXX XXXX  TOLD ME I NEED TO CONTACT XXXX TO REMOVE AND DELETE COLLECTION TO UPDATE MY CREDIT REPORT, AND THEY ARE SUPPOSED TO CONTACT CREDIT KARMA TO UPDATE CREDIT REPORT AS XXXX IS HINDERING MY CREDIT REPORT DUE TO MANIPULATIVE LIES FROM LVNV FUNDING LLC OR ANY AFFILIATION WHO BEEN CONTACTING ME WITH PROFANE LANGUAGE, SCARE TACTICS, THREATS TO DO MORE IRRUPUTABLE DAMAGE TO MY EXISTING CREDIT REPORTS. THIS DEBT IS VIRTUALLY 7 YEARS OLD. I ALREADY SENT A LETTER STATING OTHERWISE AS I REBUKE THIS DEBT WHERE IT SHOULD BE DELETED, AND REMOVED WHO IS TIRED OF BEING HARRASSED BY THEM OR ANY THIRD PARTIES. 

Personal information Includes your name, Social Security number, date of birth, address information, and employment information. 
Supporting documents may be required.

Credit accounts Includes revolving, installment, and mortgage accounts.

Supporting documents may be required.

Collections and bankruptcy Includes collections and bankruptcy.

Supporting documents may be required.

( You currently have no collections or bankruptcy records reporting on your credit file ). 

Inquiries Requests to view your credit report. 
Supporting documents are optional.