davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XX/XX/XXXX {$4600.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$1900.00} XXXX XX/XX/XXXX {$1900.00} XXXXXXXX XXXX XX/XX/XXXX {$7100.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I XXXX XXXX, Consumer and XXXX person who its a victim of identify theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy. 
I enclosed all documents social, ID and statement.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (UT)

XX/XX/2023, I was several months behind paying the minimum payment for a credit card with XXXX. 
I had verbally attempted to discuss repayment with overseas represenatives in other countries, difficult to communicate, but after receiveing several letters about insufficient payments, and threats, and offers to resolve, there was never a resolve. Only and always asked for monies I didnt have to bring it current etc. 
The account had to defaullt for non-payment for 6 months before anyone with XXXX was willing to negotiate. 
In XX/XX/2023, I though I had reached a deal for repayment, but never received the offer in writing, and all my calls after this were rejected. 
Come to find out the sent the debt to Gurstel Law Firm. P.C. I immediatley attempted to communicate with this company, but they never responded to email attempts for nearly 2 months. 
I drafted a letted and sent it to them, but just kept getting responses to call this number to make an offer. Call here to make a payment. 
I used the Fair Debt Collection Practices Act to verify the collection information. They have persistently refused to comply, or send all the verification information I requested. 
They ignored my requests XXXX separate times, and made a mockery of the law. XXXX A XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are using " Bullying Tactics '' instead of responding and verifying the details of the claim as requested, but have repeatedly showed calloused disregard to the laws and need to confirm ALL aspects of this debt.
Consumer complaint received 2024-02-04
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-02-24
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: W&A Intermediate Co., LLC (CO)

I received invoice from XXXX XXXX XXXX  ( XXXX ) dated XX/XX/XXXX for {$540.00} for XXXX XXXX  visit on XX/XX/XXXX. I paid my copayment upon check-in at the hospital XXXX XXXX  on XX/XX/XXXX. I sent XXXX a letter asking what the bill was for XX/XX/XXXX. No response. Looked like a scam. I received more invoices and sent a certified letter with return receipt on XX/XX/XXXX to XXXX asking what bill was for. Though letter delivered and return receipt signed I received no response. I received a letter from Wakefield & Assoc. dated XX/XX/XXXX stating they are trying to collect a debt I owe to XXXX. Letter states I can dispute the debt by XX/XX/XXXX. I sent certified letter disputing debt with return receipt to Wakefield & Associates on XX/XX/XXXX. Though letter delivered and return receipt signed I received no response. Then I find out the debt is listed on my credit report as submitted by Wakefield and Associates on XX/XX/XXXX! I have sent Wakefield & Associates 3 more letters delivered by certified mail and have received no response. I filed a claim with the XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Wakefield & Associates have not responded to XXXX  nor me. 
I need this debt removed from my credit report.
Consumer complaint received 2023-07-27
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. (AL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXXXXXX XXXX Balance : {$360.00}
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX - XXXX  ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 2024-04-19
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: AMERICAN EXPRESS COMPANY (NJ)

American Express Credit Card failed to counter fraudulent activities against Merchant XXXX in Dispute Case XXXX. 

A home rental provider on XXXX XXXX abused consumer terms and services, and XXXX XXXX failed to resolve my dispute. I filed the case with American Express under XXXX, and American Express was unable to offer a fair resolution either. 

Case background : XXXX host coerced me for early check-out as a result of my family emergency, and she confirmed that she would refund the remaining days of my monthly stay under the condition that someone had booked the rest of the period. I checked in on XX/XX/XXXX and originally planned to leave on XX/XX/XXXX but had early checked out on XX/XX/XXXX, under her verbal agreements. Someone booked a monthly stay from XX/XX/XXXX to XX/XX/XXXX, and therefore Ive effectively occupied the room for 6 days from XX/XX/XXXX to XX/XX/XXXX, and Im requesting a pro-rated refund for my original purchase of XXXX. XXXX host denied the request, despite she had verbally agreed to the new terms of partial refunds.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (TX)

on XX/XX/2023 loan number XXXX with ally auto financing was modified. 
the old loan was paid out and the new loan was created with modified terms. 

i need a letter from ally auto financing indicating that old loan was paid out by seller ally auto finance, and buyer is also ally auto finance. 

this proof of letter from ally auto finance is required for a legal matter. 

thank you, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I recently received a copy of my credit report and found proof that some inaccurate information was being reported. The following alleged collection/charge off accounts have a pass due balance. This is a violation of the 15 USC 1681 ( e ) B. XXXX XXXX on XX/XX/2022 Paid the charge off.XXXX XXXX XXXX on XX/XX/2022 The Charge Off was paid off as well. XXXX XXXX XXXX account with a balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX, Charged off account witha balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX is reporting a charge off of XXXX. I requested a 1099c and i never received one. XXXX XXXX XXXX in reporting a charge off with a balance of XXXX ( from XXXX XXXX ). I requested a 1099c and i never received one. XXXX XXXX XXXX a collections account with a balance of XXXX
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Motolease, LLC (FL)

So this was my BBB complaint a 1 month ago- So it's sad to have to come to the BBB to get a response from Motolease/Motorcycle group XXXX So I have account with them that is a LOAN and not a lease, let me add that I am currently 18 days past due on purpose as I will not be making this payment until my issue is fixed and my account manager doesn't even respond to my emails or reach out unless it's about being past due. I have documentation that I have reached out the XXXX as well as XXXX XXXX to get assistance in regarding to the Servicemembers Civil Relief Act AND MOST IMPORTANT is my motorcycle can't be refinanced with another company because they have it stated as a LEASE with the DMV as well as with other finance companies. I have forwarded all documentation via email only so I have proof. I have also submitted paperwork to have the title transferred due to my PCS coming up and the DMV is telling me it needs to be fixed to loan and not a lease. I did a previous loan many years ago with XXXX and had so many issues. When I decided to come back I was assured that " now it's loans they do, not leases '' " they have improved their customer service '' blah blah blah. All I want is my XXXX XXXX XXXX XXXX to be updated on my account as well as my account fixed to note what it is as it took 3 months just for my name change to be fixed. When I called about that they had no idea as to why it wasn't fixed but finally they did fix that one. My loan number is XXXX XXXX XXXX XXXX Maybe I can get there attention here because this is getting ridiculous to just get an update on items, exspecially since I'm constantly getting payment reminders by my account manager but no response when questions are asked afterwards. Also I'm currently XXXX and constantly tell them to contact me by email and my husband keeps telling me they are calling. It's like they don't even read their own notes on their customers. Im over it exspecially during XXXX. 

This will now be my continued complaint as XXXX has removed and reapplied my loan to my credit report XXXX separate times now. The first time they removed it and replaced it back with another lease dinging my credit report down by 20 points. Today they removed and replaced it again with now a XXXX balance as well as not marking it with a lease or loan status. This has caused my credit to go down 50 points now. I have communicated with the company to see how they will fix the problem as well as forcing me to pay the renewal fee of XXXX to the CA XXXX where I do not reside any longer due to the military. They have no response as well as won't compensate me for anything that has taken place. I have XXXX hard inquiries on my report for attempting to refinance but since it's marked as a lease this can not happen. I have all documentation if needed.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: DSR HOLDINGS GROUP, LLC (LA)

Was contacted via text message in XX/XX/year>, " XXXX from DSR '' demanding information for me ( " verify location info '' ). I was contacted at least four times and each time I responded with " Any and all communication for the person you are trying to reach should be done via USPS mail. Please refrain from texting this number. '' The most recent time I added, " Better yet, please give me your company full name, address, and phone number so I can formally file a complaint with the government as I have expressed several times to stop texting this phone. '' They then responded on XX/XX/year> : " Apologies, but we can not release information via text. You will need to contact the office prior to the close of business day today XXXX. '' I responded : " Nope but I will forward this phone number over to the government and my attorney since you blatantly refuse to stop texting me or agree to communicate via mail. '' I found their company info online and sent them a picture that I knew who they were.
Consumer complaint received 2023-05-03
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. ()

It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting five inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include four 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and one 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion, written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-05-31
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: Resurgent Capital Services L.P. (IN)

I sent a letter requesting items from a company furnishing a collection account on my credit report. I asked for a copy of the contract bearing my signature and a copy of the purchase agreement showing they have legal ownership and are legally able to collect on this account. The company ( LVNV FUNDING LLCXXXXResurgent Capital Service ) replied to my letter with information that did not equate to what was requested. I then sent another letter, via certified letter, defining what each item requested was. LVNV FUNDING responded with the same response of which did not qualify as proper documentation. I then sent a letter again, via certified mail, requesting that LVNV FUNDING LLC remove the account from my credit report. I also informed them that furnishing this account at this point constitutes as fraud Federally and State. They have not responded since my last letter.
Consumer complaint received 2023-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (UT)

They refuse to adjust payment schedules. I've had support lie to me everytime I tried to get it fixed. They will then not cover the overdraft fees They cause. Never once have I received accurate information. They also claim they can assist with adjusting dates but never will.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

XXXX XXXX XX/XX/year> I received a text that appeared to be from the XXXX. It claimed I owed {$9.00} on a package. Since I coincidentally had an outstanding package, I clicked the link and attempted a few times to pay. I repeatedly got an error message that the card was not working. After the third attempt, I searched the XXXX website directly and found the page I was on to be similar, but not exact. I knew then it was a scam. I never received a confirmation or receipt, so I figured I was in the clear. On XX/XX/year> I saw in my XXXX XXXX account that there were XXXX {$9.00} international transactions fees and XXXX {$300.00} transfers to Revolut in XXXX. I certainly did not approve or authorize those transactions. I contacted XXXX XXXX and the claim was denied. I have requested the paperwork on that decision. Revolut will not work with me unless I have a police report.
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (OH)

Well it says on my credit report this account was opened in XX/XX/XXXX, of XXXX  and I havent applied for any phones from any phone carrier so someone has compromised my information and I have experienced identity theft an there for Im aware of this debt.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CO)

Today I discovered Wells Fargo charged without authorization, {$10.00} account fees on my savings account for XXXX, XXXX and XX/XX/2024. This concern has had to be repeatedly addressed at least three times over the past two years. When they're called out on it, they apologize and restore the funds. Then time passes and they try again, with a different reasoning and explanation for why they removed funds without permission. They told me I need to keep a minimum {$2500.00} balance in my savings account. Never in my life have I been able to do that and WISH I could. There is no way I would've ever agreed to that term if it had been offered to me. They have also said I need to transfer money between my savings and checking accounts, which has happened. They asked how I made these transactions as they had no record. All were done through Wells Fargo app, so that also doesn't make sense they have no records. Each time there is an issue with Wells Fargo, they have a different story with false promises to do better. They really are unable to keep their word or keep consumers safe from unauthorized transactions or actions on their accounts. The consumer needs to be allowed input and approval for fees, changes to our accounts or any " updates ''. Please help me resolve this to get my {$30.00} back and stop being charged for a SAVINGS account with terms never approved by me.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MD)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as te transactions or experiences between the + consumer and the person making the report ; 970 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.