davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc. (WI)

Starting about XXXX weeks ago ( early XXXX ) I started receiving both phone calls and text messages from AMSHER. They would not leave voicemails and I wasn't familiar with the company so I didn't answer. Eventually a text message on XX/XX/24 included the phrase " AmSher, a Debt Collector. '' After that, I made a few attempts to answer the call to see why there were contacting me. In each case ( at least XXXX times ) when I answered there was a lag ( sounded like a " robocall '' connecting with a person ) and within a few seconds the call disconnected. I attempted to call back but it asks to press various numbers for various companies and I had no idea why they were calling so I couldn't even connect. Eventually, I just pressed " XXXX '' after being hung up on again and when I got a debt collector she immediately asked that I give her my date of birth which I, of course, refused since this could easily have been a scam. She told me " I'll mark it unable to verify '' and I asked what that meant and she hung up. I called back and told the next person I wanted to file a complaint. I was again hung up on/disconnected. I called again and eventually got someone who said he could help with a complaint but put me on hold and sent me to a debt collector for XXXX. I told that debt collector that I didn't think this debt was valid since I was on auto-pay and was told I'd pre-paid the last month when I terminated my service. He was rude and unnecessarily argumentative. He refused my valid request for a written bill. When I told him based on the evasive and unprofessional practices of his firm I would not give him payment information over the phone he was hostile and said " you gon na have to do some work, Sir. '' and hung up on me. I have yet to receive a written bill. I continue to receive numerous phone calls with no message. The company was rude, unprofessional, unnecessarily argumentative, and has harassed me with multiple calls with hang ups and refused to validate a disputed debt. They demanded I release personal protected information when I returned their call but wouldn't identify for what reason they were calling but also were sending text messages identifying themselves as debt collectors to an unverified number.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a freeze on my accounts becauseni was unable to lock my debit cards. Well I went in to open an account to get access to my funds but the branch manager never got me access to my money and all the calls I make with an employee calling the fraud department for me I get scammed left and right. So XXXX picks of the banknkf america in XXXX XXXX California have been very discrimination force closing KY account because I got frustrated when. I asked them about the missing money. So the branch manager is the fraud department and so are the workers at that same location because they pick up all the calls I make weather to banmmof america or the XXXX XXXX XXXX. This is not the first time a ban k has stolen from me but it's the first time they stole my social security money. Either way is it was money I worked for or a financial aid check I've studied and worked very hard for whats mine. And so the branch manager. I'm not sure her name XXXX. XXXX or XXXX the branch manager said to bring the police next time I want them to help me. So phone agent set me up an appointment at the XXXX  location and XXXX branch manager there was playing games. Saying she asked for my ID when she was asking for a bank card. So she decided she wasn't going to help me and called XXXX  police on me. Please I'm traumatized I don't want to step into another financial center because of tye way they treat me. So please please I need a real person to help me not just say b they are an executive and deny business for thee company. I am a XXXX  and I feel I've been treated very bad.
Consumer complaint received 2024-01-17
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. (PA)

I am writing to delete the following information on my credit report. 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.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

15 U.S.C. 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are 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
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (NH)

Had a charge off with original debt date of XX/XX/year> Has been on my credit report for XXXX years Debt was sold and now appears as a new delinquency on my credit report thus lowing my score The original charge off was already a factor in my credit score.

The selling of the debt lowered my score when the original charg off was already a factor in my score
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

company illegally obtained my information. account was previously deleted from my report. they can not validate the debt. they don't have the original contract. i never opened an account with lvnv and never had a relationship with them. i dont owe them anything. I've mailed them letters for the last XXXX months and have not heard back. they need to immediately delete this account and leave me the XXXX alone!!!!!!!! I'm tired of stressing!
Consumer complaint received 2024-09-08
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. (LA)

On XX/XX/year> I faxed to Equifax ( XXXX XXXX ), and Equifax successfully received, my dispute letter ( see attached ). In my letter I included the required identification including my drivers license, social security card and a recent utility bill. I disputed inaccurate account reporting on my credit report ( XXXX # : XXXX ). Equifax responded stating that they were unable to locate my credit file, further stating that they needed additional identification documents for verification and to specify account name and number and specify reason for dispute. Yet in my dispute letter as you can plainly see everything they asked for was already provided sufficient for the reinvestigation.
Consumer complaint received 2023-09-19
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. (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 2 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Subject : Refusal to Investigate Illegal Late Payments in Consumer Report Company : Equifax Issue : Incorrect Information on my credit report - Equifax refuses to investigate Description of the issue : I am writing to file a formal complaint against Equifax for refusing to investigate and correct inaccurate information on my consumer credit report. Specifically, there are illegal late payments listed that I have disputed multiple times. I followed the appropriate dispute process by providing documentation and a detailed explanation to support my claim that these late payments are inaccurate and should not appear on my credit report. 

Despite my repeated efforts, Equifax has refused to conduct a proper investigation or correct the errors, which is a violation of the Fair Credit Reporting Act ( FCRA ). This incorrect information is negatively impacting my credit score, and I am seeking resolution to this matter. 

Actions taken : I initially submitted a dispute on XX/XX/year>, providing all relevant documentation to support my claim that the reported late payments are inaccurate. I sent a letter to Equifax that was notarized and certified. 

On XX/XX/year>, I received either a letter from Equifax that the documentation which was my social security card and my drivers license are illegal and they sent a refusal to investigate the matter. 

Equifax has failed to meet its legal obligation to investigate the dispute, as outlined in the FCRA. 

**Desired resolution : ** I am requesting that the CFPB intervene to ensure that Equifax complies with its obligation to investigate the dispute and remove the inaccurate information from my credit report. I also request that Equifax provide a formal explanation of the steps taken to resolve this issue. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-30
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-23
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. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-07
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: U.S. BANCORP (IL)

On XX/XX/scrub> 2024, Elan Financial XXXX pulled a hard credit report that I never authorized. I do not know or have ever corresponded with such a company which seems fraudulent. After multiple attempts to reach customer service with the contact number listed in the report, the call unexpectedly drops/fails. There is no way to reach anyone at this company, if it even exists. I put a freeze on all three credit reporting agencies, XXXX, XXXX, and XXXX on XX/XX/year>2024 when it was brought to my attention by a third party credit monitoring service, XXXX XXXX. I am disputing the credit inquiry with all three bureaus and would like to file a fraudulent claim wit the FTC to investigate this company, if possible. and prevent further fraudulent action. Please advise me of how to move forward with this claim. Thank you.
Consumer complaint received 2024-07-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I am writing to formally lodge a complaint against the Big Lots Comenity Credit Card, issued by Comenity Bank. I believe that I am being charged illegal fees and that the practices employed by Comenity Bank in their attempts to collect funds from me are abusive and in violation of consumer protection laws.

Specifically, I have noticed fees that seem excessive and possibly unlawful under state and federal regulations. I believe that these fees, coupled with the high-interest rates, may constitute usury. Additionally, the manner in which the bank has attempted to collect these funds has been aggressive and distressing, further compounding my belief that their actions are not in line with fair business practices. 

I kindly request that the CFPB thoroughly investigate this matter to determine if Comenity Bank has violated any laws in their administration of this credit card, particularly with respect to their fee structure and collection methods. I believe that their actions may be harming other consumers as well, and I urge the CFPB to take appropriate action to address these issues.

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MA)

Dear Southwest Credit Systems XXXX XXXX XXXX I am writing to formally dispute an alleged debt of {$1300.00} listed on my credit report, which I assert is fraudulent. I have never incurred any debt with your company or its affiliates and have no record of any contractual obligations with either your company or the original creditor. 

The inaccuracies in reporting this account breach both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To address this issue promptly, I require the following documentation : Proof of authorization to handle this matter under 15 USC 1692 ( e ) and 1692 ( f ).

Legal basis for the collection of this alleged debt.

Evidence of your authorization to operate within my state.

Documentation of the alleged debt, including any contracts or agreements with my signature.

A complete account history, including all collection-related charges.

I am filing a complaint for violations of my consumer rights under the FCRA and FDCPA, specifically : 1692d : Harassment or abuse related to debt collection.

1692e : False, deceptive, or misleading representations.

1692g ( b ) : Failure to disclose my rights.

1692f : Unfair or unconscionable means to collect a debt.

Per 15 U.S.C. 602 ( a ), I demand an immediate halt to all communications and collection activities concerning this account. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), no account should be furnished without my written consent.

I request the prompt deletion of this disputed account from all three credit reporting agencies due to its unrecognized status and lack of contractual obligation. Failure to comply may result in legal action to protect my rights. Please provide proof of the debt or remove the erroneous account from my credit report as soon as possible. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FC HoldCo LLC (AL)

I purchased a XXXX XXXX in XXXX of this year from XXXX XXXX in XXXX, Florida, and financed the vehicle through XXXX XXXX XXXX. 
As of XXXX, XXXX, 2024 this has not reflected on my credit report, nor that of my co-signer. 
I have made numerous calls to XXXX XXXX XXXX over the past XXXX months in an attempt to address this matter, to no avail. 

During XXXX of my conversations with a customer service representative, I was informed that a form needed to be submitted to their credit department, and the resolution process would take approximately XXXX month. It has now surpassed XXXX weeks, and no progress has been made towards resolving this issue. 

On another occasion ; while discussing this matter in particular ; a customer service representative stated they were unable to email or fax a pay-off statement that the document would have to be sent in the mail. 

Furthermore, I have encountered persistent issues with my XXXX XXXX XXXX 's online account. 

I have reached out to customer service several times to address this issue, but unfortunately, the problem remains unresolved. Many other individuals have experienced similar challenges with XXXX XXXX XXXX. It is my hope that you will take my situation seriously and work towards a prompt and satisfactory resolution. Thank you for your attention to this matter. I look forward to hearing from you soon. 

As of now it has been going on 7 months and my credit has still not been reported. I can not refinance my vehicle as there is no proof on my credit that I even possess the vehicle. I need resolution to this matter. Thank you for your attention to this matter.
Consumer complaint received 2024-04-23
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. (AL)

Reviewed most recent credit report from Experian and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-07-26
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: WELLS FARGO & COMPANY (NC)

I I purchased a stove for {$1500.00} in XXXX using my Wells Fargo choice privileges card. On the day of delivery. I got a call from the transport company that said the manufacturer have gone out of business gone bankrupt and they had to return the stove to them. They were not allowed to deliver it. I started a dispute with Wells. They said they would take care of it. This was back in XXXX and nothing happened and it was closed. I called back and the gentleman said he would reopen it and take care of it. I called back again this week and the rep accused me of lying saying I never called in and I have the email saying that they will take care of it. I have no resolution about {$1500.00} in Wells will not protect their customers.
Consumer complaint received 2024-07-16
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. (WA)

XXXX XXXX XXXX {$850.00} Dispute Filed XX/XX/2024 Had to contact TransUnion myself after 45 days. 
My request in my dispute I asked for the original collection documents on the debt. The resolution results from Trans Union was simply no change. The documents were not provided to me and Trans Union advise me to ask the creditor for it. If they did not provide the documents and this should be removed from my credit report.
Consumer complaint received 2023-08-28
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.