davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Account XXXX Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. 
( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX  XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 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. 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 an account without my written instructions.
Consumer complaint received 2024-04-30
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (VA)

I reached out to XXXX  XXXX to get some help with the problem that I am having with a company by the name of Lendmark Financial in XXXX, XXXX and was referred to reach out to you. 

I am not working right now, and I have been trying my best to inform them of what the status is. 

First, I want to start off by saying that I reached out to the corporate office about a complaint, that I made on the manager XXXX, he was very rude and races, they did correct him on that, but he still has been harassing me about the payments. As I explain to him why you are calling me every day and texting when I am trying to find a job and get this matter cleared up. I told him that I have other companies that I owe much more money to, and they don't harass me like this. My final straw was when he told me that if I don't make a payment by the end of the month, they were going to place a lien on my home. As I write this letter, I am only 10 days late. I also told them that I had a loan before with them at a different office and was behind much more and they were not harassing me like this. I called them on XX/XX/year> before they called me to inform him that I could not make the payment by the end of the month and that I was borrowing the money from someone and I would have it today, which is Friday, XX/XX/year>, and was told that he had to do what he had to do. I reached out again to corporate and explained to them the same thing that I am typing and asked if the manager would contact me. This time no one has reached back out to me. I informed them that I was going to go to social media to report the harassment that I have receiving. I hope I can get some help with this matter. I will have income after the XXXX from unemployment if I am still not working. I hope that I can get some assistance. 

Thank you very much and I look forward to hearing back from you. I can be reached by email or phone XXXX.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that is a result of identity theft. I have already contacted the bank associated with this account XXXX months ago, and they assured me that they would remove it from their records. It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. To support my claim, I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX and have provided documentation to the bank regarding the fraudulent nature of this account. I kindly request that you investigate this matter promptly and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

I got scammed online, i tried to selly my things on XXXX  and someone texted me that since i got a buyer i need to verified my account on XXXX and then theres one person ( customer ) text me too that she/he already paid the sfee and the price that im selling so i need to veriefied, the person who said she/he working on XXXX said that i need to activate my account and everything so they can give the shipping details of the customer, they said i need to send money {$750.00} for activation and after that they gon na reimbursed me with the payment of the customer and its my first time using XXXX XXXX so i thought its really like that so isent the money because i want my customer to know that im not scammer and i can ship the items right and XXXX asking for money again, and i keep sending money because i want to reimbursed my money thats why, so i contacted the bank and they give temporary claim but after almost a month they got a decision and now they keep getting the money back from them so now i got a negative account. I need help because im Just  a XXXX that wants to sell my things to help for my tuition fee but they didnt considerate it. I hope you guys can help me with these now i got overdrawn on my bank account and i dont know how im gon na pay for it but the bank decided to close my bank as well but for sure i need to pay that money. i will send an attachment on the email because its hard to upload files in here.
Consumer complaint received 2024-06-07
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OR)

I was given two AMEX giftcards as a gift in XX/XX/XXXX. It has been incredibly difficult to find retailers that accept these giftcards. In XXXX I found a couple retailers that would accept the gift card but more recently no retailers are readily accepting the giftcards, even though they are advertised as being easy to use and accepted at any AMEX friendly retailers. 

In XX/XX/XXXX I've tried making purchases at XXXX with the remaining balance on the giftcards only to have them continue to be declined ( although AMEX still charges a XXXX cent transaction fee for every attempted charge ). I've now spent hours trying to get these gift cards to work. 

On XX/XX/XXXX I called AMEX to get them to rectify the situation only to be told that these gift cards should work anywhere but some retailers don't accept them due to stricter security measures. I was told since the card is not registered in my name, some retailers recognize that as a signal of fraud. I asked if I could register this gift card in my name to fix the issue and they said that is not possible. In other words these gift cards are not actually easy to use or accepted by majority of retailers. 

I then asked how I was supposed to use the cards if they are going to keep getting signaled as fraud and I was told to " keep trying different merchants ''. I asked if they have a list of merchants that accept these cards and she said they do not. So as a consumer I am supposed to waste countless hours of time trying to figure out how I can spend money, this is criminal. Meanwhile AMEX is collecting transaction fees and keeping money that is not theirs. This is a scam, The two gift cards I have are : Card number 1 : XXXX, balance of XXXX Card number 2 : XXXX, balance of XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TX)

I am trying to pay-off my loan. During the process they are said that I owe an additional {$1100.00} in Taxes + a final {$630.00} in principal. After much discussion about this " Tax advance '', I called the XXXX XXXX XXXXXXXX and learned that I lost an exemption, which increased my tax amount owed by {$810.00}. My taxes are escrowed and Wells Fargo did not pay the amount due. That is what caused the penalty of {$380.00}. I have been going round and round with them for over a month. XXXX said that she was going to call me back with the info requested. She did not. I left several follow-up messages for her, she won't return my calls. XXXX said that she was going to have a XXXX call me. She did not. On XX/XX/year> I got fed up and requested to pay off the loan. I sat on hold for an hour waiting for someone to take the call and take my payment. XXXX kept apologizing. This is a huge issue. XXXX ) Wells Fargo is charging customers penalties and interest on escrowed taxes when the Wells Fargo XXXX Department doesn't pay them on time. XXXX ) They are extremely unresponsive. Because of their lack of responsiveness, I am now paying them additional interest because my original payoff statement has expired. I am ending my relationship with Wells Fargo, but I would like a full return of my escrow account, including the {$380.00} in penalties that they stole from my escrow account.
Consumer complaint received 2024-06-07
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: Skopos Financial, LLC (TX)

I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). I recently reviewed my credit report and discovered erroneous information that is not mine. This misinformation is adversely affecting my creditworthiness and character, particularly as I am in the process of securing a new home.
Consumer complaint received 2024-06-07
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: CL Holdings LLC (TX)

I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and discovered erroneous information that is not mine. This misinformation is adversely affecting my creditworthiness and character, particularly as I am in the process of securing a new home.
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (VA)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me 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
Consumer complaint received 2023-10-25
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. (TX)

I, XXXX XXXX, filed a FTC report due to unauthorized inquiries on my credit report. You are in violation of the FCRA for failure to remove inaccurate information from a consumer 's credit report. Furthermore, this is also negligence, and I would be able to argue this in court. I am again demanding that the following information be removed from my credit report within 30 days. Please see the attached FTC report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Consumer complaint received 2024-05-01
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. (MA)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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
Consumer complaint received 2024-06-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (IN)

On XX/XX/2023 I received an email from Advance America for a XXXX XXXX settlement agreement on my account. The settlement payment was for {$390.00}. I contacted Advance America on XX/XX/2023 and verified the settlement agreement was still valid. After being told it was still valid, I made the payment the same day. After that I never received any paperwork from Advance America stating my account was settled or paid in full. I called Advance America on XX/XX/2023 and requested that I receive a letter stating my account was settled. I was informed during that phone call that a letter would be coming in the mail and that my account was settled. They also said that I did not need to worry about that account anymore. I never received a letter in the mail. In XXXX of XXXX I started receiving phone calls from Debt Collectors stating I owed the remaining balance of {$390.00}. I assumed it was a scam because I had paid the settlement agreement 6 months prior. About 2 months ago my family and I started receiving phone calls and texts from Debt Collectors stating the same thing. I contacted Advance America in regards to these phone calls. I informed them that I paid the settlement and they agreed that it was settled but for some reason it was not registered in their system as settled and went into collections. They informed me that they would fix this issue. I contacted the debt collector and informed them of this information and they said they would need a paid in full letter from Advance America so they can resolve it on their end. I called Advance America multiple times over the course of the next 3 weeks asking if it was fixed and if I could have a paid in full letter to give to the debt collector. I was repeatedly told that they are still working on it. Eventually they started telling me that because the account debt was sold to XXXX XXXX XXXX that there was nothing more they could do. I contacted XXXX XXXX XXXX and asked what I needed to do for this to be resolved and was told the same information from the debt collector. I have continued to try and receive some form of documentation from Advance America stating that the debt was settled and they did not register it as settled but never got anything. Advance America continues to say that there is nothing more they can do since the account debt was sold to XXXX XXXX XXXX. I am beyond frustrated and stressed over this.
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-07
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: EQUIFAX, INC. (OH)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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