davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

This company, Portfolio Recovery calls me several times a day between the hours of XXXX. They use 15 different numbers a week and it changes all the time. I have over 78 different numbers from them blocked on my phone right now. They are rude, swear at men, they harass and threaten me with jail time if I " don't give them money they are trying to collect a debt TODAY! ". When I requested they send me everything in writing they said, " XXXX XXXX XXXX XXXX ~ We do not have to do that! '' I hung up. I have stopped answering their calls. They never leave a call back number. I do not owe them any money. I have never gotten anything from them in writing, in the mail.
Consumer complaint received 2024-10-20
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. (UT)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I'm very surprised to see a late payment reporting on my credit report.to my knowledge I have always made my payments on time. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (NY)

Penn Credit, woman calling said her name was " XXXX ''. 
The number has called my office phone 4-5 times daily, often after XXXX for the past 6 months. 
They asked for a name that has never worked at the company. Then asked for another random name after stammering at my questioning for the abusive calls. 

When further pressed for information about the calls " XXXX '' claimed she was a friend and needed to discuss personal matters. 

I said, you know its illegal to collect a debt at someone's place of business as well as repeated calls. She insisted it was just a personal matter she had to discuss. 

These people are egregious liars with countless complaints about their tactics online. 

Put an end these filthy useless scumbags. 

Thank you.
Consumer complaint received 2018-07-01
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (TX)

As this company states in complaint XXXX, they are just the servicer for Wells Fargo Bank ELT XXXX Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code.

Also, as they pointed out on the application provided in complaint XXXX.

Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans XXXX  is servicing for you. Your consolidated student loan is owed to Wells Fargo Bank Elt XXXX   Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans XXXX is servicing for you. Your consolidated student loan is owed to Wells Fargo Bank Elt XXXX   Trust. Your account number is XXXX ''.

This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, Wells Fargo Bank ELT XXXX Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX   resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. XXXX hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the XXXX   Attorney General 's office. Attached is the complaint for both companies.
Consumer complaint received 2024-10-20
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. (IN)

According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, section 602 ( a ), consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumers ' privacy. XXXX, Experian, and XXXX are consumer reporting agencies bound by these principles. As a consumer, I am entitled to ensure my private information is safeguarded, supported by 15 U.S.C. 6801, which obligates financial institutions to protect customers ' nonpublic personal information. 

15 U.S.C. 1681, section 604 ( a ) ( 2 ), states that consumer reporting agencies can only furnish a consumer report with the consumer 's written instructions. Neither XXXX, Experian, XXXX, nor any financial institution providing information to these credit agencies has my explicit written consent to share my information. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

15 U.S.C. 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties without giving consumers the option to opt out. I was not informed of my right to opt out by any information furnishers. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information older than seven years in a consumer report, except for criminal convictions. The adverse item reported on my account without my consent violates this regulation. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits furnishing information to a consumer reporting agency if it is known or believed to be inaccurate. Furthermore, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to permissible purposes. 

XXXX, Experian, and XXXX are not adhering to these procedures. Under 12 C.F.R. 1016.7, I am exercising my right to opt out of their reporting services.
Consumer complaint received 2018-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX at XXXX XXXX I received a call from XXXX. The recorded message stated that there was a legal complaint against me and saying they were " retained '' to serve me documents at home or work. The call instructed me to hit a number to speak with someone or call XXXX. I hit a key but the line hung up on me anyways. 

On XX/XX/XXXX at XXXX XXXX I called the XXXX and spoke with XXXX XXXX. He told me that I have an unpaid Bank of America card from XXXX. After reviewing my info, he said the last four digits of the social security number was wrong. He said he would remove my number. 

On XX/XX/XXXX at XXXX XXXX  I received another call from XXXX. I didn't have time to call back at that time and hitting a key still hung up on me. 

On XX/XX/XXXX at XXXX XXXX, my almost XXXX year old mother, who is a XXXX patient, got the same recording I did saying I was going to be served with papers. She took a screen shot of the message, which the XXXX voicemail transcribed, and sent it to me with a text saying she thought I was going to be served with papers. 

On XX/XX/XXXX at XXXX XXXX I called the XXXX number and asked for a manager. I was transferred to a XXXX XXXX ( pronounced XXXX ). She stated that she was head of the arbitration department. She told me that the social on the account was mine. She also said that my mom ( the XXXX patient ) would need to call in if she wanted her number removed. I told her the name of the employee I spoke with previously and asked her to review my ssn with him as he confirmed it was not mine. Throughout this entire call she continuously interrupted me to tell me that they weren't going to help, that it was my bill, and I need to handle it. I tried to tell her I asked for all the details to file fraud the previous day but she continued to speak over me and refused to assist, then hung up. Note : I swore an awful lot during this call. XXXX was very rude and telling me you're going to continue to call my mother when you know the bill is not mine is something that takes me right past angry into furious. Please listen to the call with employee XXXX XXXX ( previous day ) or with XXXX ( don't know her last name, on XX/XX/XXXX ). 

After XXXX hung up on me, I called every number I had for the company ( there is a LOT of phone numbers for them online ) but kept getting hung up on when I would ask for a mailing address for the company. Finally, more than a dozen calls later, I got XXXX. XXXX was lovely. She said their mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. She says they have four locations. One in Georgia, one in Massachusetts, one in Texas and one in Indiana. She confirmed that around the time that XXXX hung up on me, my number and my mother 's number was removed and a note was put on the account that the social security number was wrong ( keep in mind that XXXX told me it was my social!!! ). 

I am attaching the screen shot of the message my mother received in her voicemail.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector the company XXXXXXXX XXXX XXXXXXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX CT XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$520.00} XXXX, IN XXXX XX/XX/XXXX {$6000.00}
Consumer complaint received 2019-04-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

This item was to be removed per an error in credit reporting. We submitted a complaint a couple months back that was not resolved satisfactorily. There was never any documentation proving that this item was added in line with FCRA regulations.
Consumer complaint received 2018-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (IL)

On XX/XX/XXXX, a loan of XXXX was taken out. As of XX/XX/XXXX, XXXX was paid towards the loan with XXXX, but with fees tacked on now, it's at XXXX to this date. In XXXX of XXXX I revoked the right for Speedy Cash to continue withdrawals as I fell on hard times where payments could not be made. I had 5 remaining payments of XXXX left. Several months later after failed negotiation attempts with Speedy Cash, the account was sold to XXXX XXXX XXXX and they have been reporting to the credit bureaus. This started in XX/XX/XXXX. Several attempts were made to negotiate with XXXX XXXX by mail, sending certified letters, however, never got a response only saying I owe the debt, but they could never validate that they OWN the debt. In XX/XX/XXXX an attempt to contact Speedy Cash to pay off the debt was made, as on their website it shows they still own the debt. That was in vain. At this time, nobody can validate who has the debt. Nobody is communicating on a payment settlement or agreement, despite I have the funds now. I have refused to give my bank account and card information and insist on mailing money orders or do bill pay through my bank, however, each company insists on access to my bank. 1 ) Who owns the account? 2 ) I will not give out my banking information 3 ) I want this all off my credit report being nobody can prove anything of who owns it. 4 ) I will negotiate a reasonable dollar amount to the company who OWNS the debt to have this matter resolved.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I placed a dispute in to the major credit reporting agency on XXXX, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

contacted you once before about a chase check account and have not heard from you. 
The man on the phone when i called XXXX XXXX of chase bank XXXX XXXX XXXX XXXX telXXXX-XXXX and someone intercepted the call. He said his name was XXXX. He told me that to change ny address on the checks I had to come down to the bank. He also told me he could give me the phone number of who changed it. Once or twice the address change and Mr XXXX knew. XXXX told me it was changed over the internet, which I dont have access to. The account was opened with XXXX XXXX and i told both her and Mr. XXXX that no changes were allowed from the internet, the app or on the phone. XXXX, whos last name is XXXX, lied to me on the phone and said to come down and he would fix it. Upon arriving there he was talking out loud to himself. He said he was on the speaker phone, and was being told what to do. Who was talking in his ear like he said someone did, and why did he listen. If I cant change the number how did it change at all. The address on the checks was defitnetly altered. Anyone who says otherwise is misled or llying. Now as per Mr XXXX each time I order checks I have to go down tho chase to alter the address on the checks. Is this banking law. If you dont answer I will call XXXX XXXX XXXX as I did with Sheriff XXXX. When I was leaving XXXX XXXX said watch how you say things Sheriff XXXX knows of you. Am I being followed by him too. He has XXXX XXXX XXXX ties, who said they would follow me. Does anyone at the chase bank. JP Morgan will hear of this too. With a XXXX XXXX XXXX, recieved from a XXXX XXXX  XXXX manager, I sometimes make mistakes-I apologized in advance like I did to Mr. XXXX and XXXX. Tried to logon to get a complaint num but no luck
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (MI)

I started a Savings and Checking account with Chase in XX/XX/2016. When I started the account I was never told there will be a monthly fee for the savings account. I primarily managed the checking account on a regular basis and didn't really manage or monitor the savings account as I didn't really have a need for it. I recently found out the bank was deducting $ XXXX/month from my savings account as 'Fees ' which I wasn't aware of. I complained to the bank that the fee was never disclosed to me and the branch manager credited {$60.00} to my account and stopped taking the monthly fee from my account. He said he could reimburse only up to 3 months of service fee and if I needed more I would have to escalate. I escalated the issue as they suggested and after a lot of discussions going back and forth they reimbursed another {$60.00}. They had deducted a fee of $ XXXX/month for 15 months ( {$300.00} ) and they reimbursed me {$120.00} when I complained. I believe Chase should reimburse the entire amount they charged me as the fee was never disclosed to me when I opened the account. I am hoping the agency will investigate this and hold Chase accountable for over charging their customers without their permission.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (KS)

I WAS TRYING TO GET OUT OF MY TIMESHARE AND WAS CONTACTED BY SEVERAL COMPANIES TELLING ME THEY HAD A BUYER FOR MY TIMESHARE AND I NEEDED TO PAY THEM A CERTAIN AMOUNT BEFORE BEING ABLE TO HELP ME. I TOLD THEM I WANTED TO READ THERE CONTRACT FIRST BEFORE GIVING THEM ANY MONEY BUT THEY SAID THAT I HAD TO PAY THAT DAY OR THE PRICE WOULD GO UP, HOWEVER THEY ALSO TOLD ME THAT I WAS ABLE TO CANCEL IF I DECIDED TO DO SO. I WILL LIST THE COMPANIES THAT TOOK ME FOR MY MONEY ; XX/XX/XXXX XXXX XXXX XXXX- XXXX PAID WITH MY DEBIT CARD THROUGH US BANK XXXX XX/XX/XXXX XXXX XXXX CHECK THROUGH US BANK XX/XX/XXXX XXXX XXXX XXXX CHECK US BANK XX/XX/XXXX XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX CHECK US BANK THIS IS ALL THE MONEY THAT WAS TAKEN FROM ME AND THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK