davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (ID)

I had purchased XXXX XXXXXXXX XXXX from the XXXX store when I transferred service from XXXX. Doing so, I was informed my bill would be {$0.00} for the XXXX XXXX due to a promotion when in fact my bill ended up being {$20.00} per watch per month. I returned the watches. After doing so, I was still being charged so I complained to customer care and they assured me that I would not be billed any longer. They credited my account and we moved on. In XXXX I decided to switch back to XXXX and upon doing so, they closed my account out and charged me {$260.00} for equipment. I called them and they told me it was for the XXXXXXXX XXXX. I informed them those were returned a long time ago but they did not care and continue to bill me for them. I have not had a single derogatory mark on my credit in a decade. If I actually owed the {$260.00} I would have just paid it. Its the principle for me. I do not owe this debt and I will not pay it. The store rep that took my return was named XXXX at the XXXX location off XXXX XXXX. I called the store to get things solved and they told me I have to go to customer care. Customer care just directs me back to the store and its a never ending loop. Im sick of dealing with it and Ive already disputed and had the charge removed from my XXXX and XXXX but XXXX keeps reporting. XXXX XXXX XXXX is the debt collector on behalf of XXXX XXXX
Consumer complaint received 2024-06-21
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MO)

XXXX A {$50.00} late fee. They just charged me {$50.00} for basically reporting them. They went and took off past late fees. But re charged {$50.00} to my XXXX I added extra amount to my XXXX payment. I was note late in XXXX, look at this bogus statement, when I called XXXX XXXX, she tells me she spent a lot of time on this. They have been charging me late fees when I have been on time. I was only late once! Wells Fargo are crooks! I want my money back from them.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, Experian, and XXXX. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with XXXX XXXXXXXX reports the account as being opened on XX/XX/2022, while Experian and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and Experian report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ).

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. 

It is also noteworthy that while XXXX and Experian report this account with a high credit limit of {$250.00}, XXXX inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management filed a civil case against me to collect funds for 2 accounts. 

- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The accounts are not mine. I didn't authorize anyone to use my information to obtain these accounts. We went to court and the case of dismissed. The accounts are still showing on all three credit bureaus and I would like for them to be removed. They are still reporting every month as if we didn't go to court.
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a male preference for an agent. Have a male XXXX team member contact me by email so that I can resolve a recent CLAIM. There's no way I'm responsible for a fraudulent " company 's '' misleading crypto account charges. Messages I got in online banking mentioned RISK FACTORS, BUT THIS HAS NOTHING TO DO W/ RISK. Everyone knows there are risk factors in legit investing. This " co. '' XXXX locked me out of my account & didn't let me back in for 2 months. I can't access anything on it. I did XXXX facial recognitions that showed up as " verified '' & still couldn't access my account. The only way to contact them is chat. Chat acts unassuming- then does nothing. I looked up their reviews & others have had similar experiences getting locked out permanently because they want to steal interest that accrues after an account holder has enough invested & is doing well. Others have also had unauthorized charges.There was a recent surge in XXXX & that's when they locked me out. SO THIS IS FRAUDULENT. I'LL EXPECT YOU TO INVESTIGATE & GET MY FUNDS BACK IN FULL. ALL THE PURCHASES, NOT THE INTEREST - EVERY REAL INVESTOR KNOWS BANKS CAN'T GET THINGS LIKE INTEREST BACK!!!! - THAT I MADE FOR XXXX THAT I NOW DON'T HAVE ACCESS TO. RISK FACTORS ONLY APPLY TO LEGIT INVESTING COMPANIES. GET BACK TO ME IMMEDIATELY. This is probably the biggest crypto scam in the XXXX & I've already reported it to authorities.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have contacted the bank on multiple occasions last on XX/XX/year> at approximately XXXX hrs for 34 minutes regarding my claims that have been denied and or are still in review and as always, the conversations were unproductive as Bank Of America has cut off my access to statements and relevant documents online due to them, not doing business with the California XXXX XXXX XXXX  anymore. This is hindered my ability to see transactions relating to my account, in addition to being able to claim the transactions that are fraudulent on my account and thats is the reason for denying my claims as there is misinformation that I am not privy to anymore that I cant seem to get access to that may or may not enlighten them as to why they think the claim should be denied. After several conversations about this over the last month, I have become convinced that Bank Of Americas ability to make an accurate determination, on the following claims - Claim # XXXX - Claim # XXXX - Claim # XXXX - Claim # XXXX - Claim # XXXX To be unlikely at best and am requesting oversight from the consumer financial protection bureau to assist in anyway possible to ensure a competent and fair resolution in my claims with Bank of America
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc. (FL)

I entered into a contract with XXXX XXXX  XXXX XXXX for a personal loan several years ago. This debt was sold to a debt collector called SST. For awhile both XXXX and SST both showed on my credit report to both be collecting payments and it actually bounced back and forth between companies for a bit. Either way, I wanted to make sure everything was in compliance with FDCPA. I sent SST a dispute of debt and request they validate the debt and their right to collect. SST responded with just a copy of my original contract and nothing else. I responded back that under UCC law article 3 this is not enough to prove they own the debt and have a right to collect. I sent another certified letter requesting they validate the debt and provide proper endorsements and chain of assignment to prove ownership. They once again sent only a copy of the original contract. No servicing agreement, no assignments, no chain of assignment or endorsements to confirm they actually owned the debt. They are in violation of the following : FDCPA Violations : Failure to disclose the true owner of the debt ( 15 U.S.C. 1692e ) Failure to provide a valid assignment of the debt ( 15 U.S.C. 1692g ) Failure to comply with the FDCPA 's requirements for debt collection ( 15 U.S.C. 1692k ) Making false representations about the debt ( 15 U.S.C. 1692e )
Consumer complaint received 2024-05-29
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. (PA)

I filed an accurate police report in XX/XX/year> which stated the accounts that are reporting on my credit file are fraudulent, and that I do not know about opening up new credit in my name. I sent a copy of this police report to the credit reporting agency which is Experian. I requested for them to do a full and detailed investigation on my behalf. When the investigation was complete, they stated that the accounts came back as verified, when questioned about the verified item they stated that if a company stated it verified then it nothing they could do, this was told to me by an Experian representative. The credit reporting agency also told me to dispute again but remain with the same result which is damaging my credit worth.
Consumer complaint received 2024-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

My company uses XXXX to make payments to my student loan on my behalf as a benefit. XXXX made a payment but Edfinancial says they never received it. XXXX has reached out 6 times to Edfinancial to inquiry about the payment but they have not provided any successful response or timeline about that is being done
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Evident Capital LLC (IN)

Received unsolicited " preapproved '' loan offer via direct mail for {$25000.00} loan at " rate as low as XXXX  % '' ( in the fine print it states the rate could be as high as XXXX  % ). 
It clearly states " preapproved '' ( NOT " pre-qualified ). I used the QR code accept the offer if satisfied with the interest rate and other terms. They immediately robocalled me and the call was joined by a rep identifying himself as XXXX. He was slippery and shady and avoided giving direct answers to direct questions. He asked lots of irrelevant questions and I patiently answered, though I did a couple times mention it was unneccessary. After a long time I did insist on knowing the interest rate, at which time XXXX became beligerent, let out an outburst, and hung up. 
I called the number on the mailing, XXXX and spoke with XXXX XXXX. He explained that due to my credit score -- both reps said it was XXXX or XXXX -- all they would offer me is some kind of debt consolidation negotiation or something but definitely not a loan. I noted that the mailing indicated they already knew my credit score when they sent me the FAKE preapproved loan offer. He denied knowledge of the offer descreibed in the mailing, but asked when I received it. I told him the mailing says the preapproved loan offer expires XXXX XX/XX/year>. I asked for the company 's main physical address. He gave : Americor Finance XXXX XXXX XXXX XXXX, XXXX, CA XXXX. He said that XXXX XXXX XXXX is really just.a dba.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (CA)

Both two students loans have been paid in full {$14000.00}. On XXXX XXXX XXXX

The creditor ED FINANCIAL HAS RECEIVED PAYMENT. THIS ACCOUNT HAS BEEN PAID IN FULL!!! PLEASE UPDATE MY BALANCE AND DELETE INCORRECT INFORMATION FROM MY CREDIT FILE
Consumer complaint received 2024-06-03
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. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about XXXX XXXX, Account # XXXX with the balance of {$4700.00} ( Date open XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2024-06-21
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-10-25
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
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. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a AXXXX XXXX XXXX XXXX XXXX  Account # ending : XXXX with the balance of {$5100.00} ( Date open XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2024-06-03
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00}
Consumer complaint received 2024-06-03
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. (TX)

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items immediately : 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 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