davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (NJ)

My name is XXXX XXXX. XXXX is XXXX I have a store credit card with XXXXXXXX XXXX through Wells Fargo & i have been a loyal customer to not only XXXX but Wells Fargo for 4 years if not more. I have had several problems with Wells Fargo this past year but still continued to stay Loyal & respectful. I wrote in a few complaints regarding a certain situation which i know can be frustrating for a customer service rep as it is for myself when i feel like XXXX not getting answers or help. The best case worker i had has been XXXX. I also believed XXXX XXXX who worked on many of my cases was great until today. She was very rude, spoke over me, talked to me like i was stupid & just made me as a customer feel like garbage. Im sorry but you should not treat anyone like that especially not a customer. If you dont like your job, please dont work with people. I have been very patient, understanding, & never once spoke to any rep with disrespect or anger. I am very unhappy with how i was spoken to. I was also told theres nobody higher than Me from XXXX. I would like this to be addressed by someone who in fact is higher & if nobody is higher i would like my concerns to be addressed by someone who will listen & not be rude. Thank you. I can be reached at XXXX.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Management Corporation (NV)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (HI)

XXXX LATE FEE in Error Refused to waive the late fee when payment was made on time ( Automatic payments setup ) no missed payments or late payment history ever! 

They stated that I changed banks, but never did. After they state that I changed accounts. I never did and then went on to say they could not help me ....? Company only gave me the run around.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (OH)

I made a payment online to Republic Finance for the amount of {$160.00}. When the confirmation email came to my email address, it stated I made a withdrawal of {$350.00}. I immediately called the local branch ( XXXX location in Ohio ) and they did nothing. I then called the corporate number and was helped by a very nice lady but can not see where the problem is fixed. The extra {$190.00} will over draft my account. I do not have an extra {$190.00} to spare. This is predatory lending and this company made an unauthorized withdrawal. I do not want this to happen again.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XXXXXXXX XXXX  Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.
Consumer complaint received 2024-06-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A. (NJ)

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for False Claims in Violation of 18 U.S.C.section 1001. Failure to fulfill its obligations required by Secretary of HUD/FHA . Theft of real property. Submission of false misleading & forged documents and records to State & Federal authorities. Violation of FDCPA rules and regulations. Submitted false & misleading Loss Mitigation claims with HUD/FHA . Submission of false & misleading documents and records for the purchase & sell of said property. Violated 12 CFR section 226.39 ( a ) ( 1 ). Violated 15 U.S.C.section 1641 ( f ) ( 1 ) filing false foreclosure documents & records on said property. Violated 24 CFR section 203.604, 24 CFR section 203.605, 24 CFR section 203.606. Falsely representing itself as Lender & Proprietor of the subject FHA insured obligation & fulfill its duties by Federal Laws. Under 24 U.S.C. section 203.604, 203.605 & 203.606. Submitted forged & falsified notarized Assignment of Mortgage. Falsely presenting as Mortgage assignee & Original Lender as assignor. Falsified original Mortgage note with forged & counterfeit documentations ( I have a duplicate of Original Note, agreement and/or contract ). Public Records look nothing like duplicate provided from Original Lender. Submitted false & misleading information to FHA/HUD claimed have acquired Mortgage in XXXX. XXXX XXXX XXXX XXXX XXXX has never provided any proof, contract, or agreement on how they become involved with this Mortgage. XXXX XXXX XXXX XXXX XXXX again claimed that they acquired the Mortgage in XXXX ( No record ). FHA records shows XXXX XXXX XXXX  as Servicer. XXXX XXXX XXXX  doesn't show up on FHA spreadsheet until XXXX. In XXXXXXXX XXXX XXXX XXXX entered a Loan Modification with Buyer that was never reported to XXXX. The Original Lender was acquired by PNC Bank in XXXX. XXXX XXXX XXXX did not secure the Assignment of Mortgage until XXXX. XXXX XXXX XXXX  used deceptive means in signing off on Assignment of Mortgage & Promissory Note. They used an PNC Bank employee who falsely represented herself as an Original Lender 's employee, in actuality she is an PNC employee who sign the Assignment of Mortgage & Promissory Note as Original Lender 's Mortgage rep. Last I filed a few FOIA requests. XXXX XXXX XXXX XXXXgnored my request. Provided alternative information instead of what was requested.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PNC Bank N.A. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my PNC BANK, N.A. - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EdFinancial Services (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> 2023
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, and I am writing this statement on my behalf. Per 15 USC Code 1681S-2 ( a ) ( 1 ) ( a ( & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. Per the US Codes provided, they summarize that it is NON-PERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes identity theft. As a federally protected consumer, I am demanding the deletion and removal of ALL the listed accounts immediately.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-07-03
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. (GA)

I am in disagreement with the items listed below which still appear on my credit report. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Update and remove all address on my file that are not current. ASAP. As well as all the negative accounts that do not belong to myself listed below. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Never Lived There ) XXXX XXXX XXXX XXXX, GA XXXX ( Never Lived There ) XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
XXXX XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. Sincerely yours, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/year> IQ Data International XXXX XXXX XXXX XXXX, WA XXXX XXXX Subject : Request for Debt Validation and Cease Collection Activity To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in your records and to request that you cease all collection activities related to this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I disputed this debt and requested validation. On XX/XX/year>, I was informed that my dispute was denied, but as of today, I have yet to receive any proof of this debt, despite multiple requests. I spoke with your representative, XXXX XXXX, on several occasionsmost recently on XX/XX/XXXX, XXXXand I was repeatedly denied the information I requested regarding the debt and the balance owed. 
During our conversation on XX/XX/year>, XXXX acknowledged my dispute and stated that she would add my apartment number ( XXXX ) to your records and resend the verification. However, I still have not received any documentation in the mail, despite her assurances. 
It has now been over 60 days since my initial request for debt validation and more than 30 days since my follow-up requests. As stipulated by the FDCPA, you are required to provide verification of the debt within five days of receiving my dispute. Your failure to do so constitutes a violation of this law.

Given this lack of compliance, I am formally requesting the following : 1. Immediate cessation of all collection activities related to this debt.

2. Removal of this debt from my credit reports, as it has not been validated.

3. Consideration of any applicable fines against IQ Data International for your unlawful practices. 
Please consider this letter a final opportunity to resolve this matter amicably. I am compelled to take further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and pursuing legal action. 
Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (MD)

I HAVE SENT THIS LETTER OVER AND OVER AGAIN TO OPT OUT OF HAVING MY INFORMATION VERIFED OR SHARED WITH ANY CREDIT REPORTING AGENCIES, THIS COMPANY STILL CONTINUES TO HARASS AND TARNISH MY NAME. I HAVE SENT THE FOLLOWING CORRESPONDENCE TO THEM COUNTLESS TIMES YET I AM STILL BEING VIOLATED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It May Concern, I am writing to formally demand that XXXX immediately cease and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with financial institutions, third parties, or any other companies. At no point have I provided consent for XXXX to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from XXXX within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that XXXX will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-22
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: EQUIFAX, INC. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!!

Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer.

NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-07-08
Product: Credit 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: SYNCHRONY FINANCIAL (PA)

I bought a XXXX freezer XXXX. The freezer stopped working XXXX. I contacted the store where I purchased it and they said nothing they can do since I need to contact the extended warranty company which I also purchased through them which I did. 
Contacted XXXX XXXX XXXXXXXX they had to contact a service center XXXX called again and XXXX XXXX claims they calling service centers. 
XXXX XXXX XXXX  XXXX XXXX Services did come out to repair the freezer. Service man said I needed parts to repair which he ordered. 
XXXX parts came in and I called the service center back XXXX service man did come back out and did replace the new parts and the freezer still isn't working. The service man said there's nothing else he can do. I must have gotten a bad freezer. 
XXXX I called XXXX  extended warranty for a refund of the purchase price of {$1300.00} + {$300.00} for the food replacement which is part of the agreement. 
XXXX I called XXXX  once again only to be placed on hole for an hour and they came back and explained they waiting for the reports from the XXXX XXXX  XXXX XXXX XXXX. which I was told they were sent to XXXX XXXX  XXXX Same thing I contacted the owner XXXX from XXXX XXXX XXXX explained I still never got this freezer fix.. I explained to her the serviceman claims if the parts didn't work which they didn't the freezer can't be fixed. 
I need a freezer. I need a refund. On our local news just today it had a reporter claim my credit card company should be on my side and giving me a refund.