davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-08-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

They call a previous employer by the name of XXXX XXXX at XXXX. He has told them for years I no longer work for him. To stop calling and they ask for my phone number and if I still live at such and such address and where I work. 

They repeatedly call my parents at XXXX. They refuse to answer. 

They repeatedly call me all day long.
Consumer complaint received 2024-08-15
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX : Balance : {$110.00} Account Name : XXXX  XXXX  # XXXX : Balance : {$9900.00} Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX : Balance : {$74.00} Account Name : XXXX  # XXXX : Balance : {$5200.00} Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX : Balance : {$950.00} Account Name : XXXX  # XXXX : Balance : {$6700.00} Account Name : XXXX  XXXX  XXXX # XXXX : Balance : {$4100.00} Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently disputed a charge off account on my Transunion credit report and have received no response. First of all, what transunion is reporting is not being reported by any other bureau so it should be deleted for that reason alone. Also, According to the IRS, A Charge off is a financial loss that may be deductible as a business expense, but is not considered income to the consumer. Therefore, the reporting of this charge off as income on my credit report is misleading and inaccurate.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

I have sent XXXX dispute letters to all three credit bureaus XXXX, Equifax, and XXXX to correct my personal information, and yet it has not been done. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681c, I have the right to dispute any inaccurate information and request that it be corrected promptly.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate information, and I trust that you will make the necessary corrections promptly. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I expect to receive written confirmation of the outcome of your investigation and a corrected copy of my credit report.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (IL)

In order to freeze my credit with the 3 major FOR-PROFIT credit companies, I was required to register with them. I did this several years ago, weaving my way through their attempts to get me to purchase membership and instead merely registered for free. In the last year, Experian has begun emailing me on a regular basis with supposed updates to my credit score. Things like, " Your credit score went up by XXXX points. Log in to see more. '' These are clear advertising emails that they are masquerading as service messages. I have asked to unsubscribe, and was told that weekly emails about my credit score are not spam and not advertising and therefore can't be unsubscribed. 

If I block the email address for these emails, I will be unable to receive legitimate emails from Experian when I need to thaw my credit for future purchases. 

I shouldn't have to pay for their service to exist in this world, and I also shouldn't have to listen to their advertising at their total discretion. 

I have threatened to report them for spam advertising and achieved no improvement, so I am coming today to request help from the CFPB. Thank you for your time!
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have deposited check of {$5800.00} on XX/XX/2024 at Bank Of America XXXX, XXXX location. The check is from my other bank XXXX XXXX XXXX XXXX and I am been doing such check deposit every 15 days. Fund was always available the very next day to withdraw or any bill payment. This time, check was put on hold till XX/XX/2024. However, fund is already been taken out from my other bank on XX/XX/2024. So neither the money is available in my XXXX XXXX XXXX account, nor it is available in Bank Of America account to use. This is preventing me to pay bills and un-necessary trouble.

When I contacted Bank Of America ( I talked to customer service manager XXXX and then XXXX XXXX, they could only raise a complaint with XXXX. They couldn't provide me any information about verification department which would verify my check and credit the check amount.
Consumer complaint received 2024-06-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MD)

I received a notice from XXXX that a collection agency named Credence Resource Management was trying to collect a bill for XXXX XXXX XXXX in the amount of {$2700.00} I explained to this credit agency that I dont have an account with XXXX  XXXX XXXX and that this bill was not mine. I pressed this company for information on this bill and they provided an address in XXXX, NC from where the account was created. I have not lived in North Carolina nor have I ever had an XXXX XXXX XXXX Account. I was also told that this account was created in XX/XX/year> and I was never notified via mail or phone or any contact. This account, in its entirey, is not mine.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

My XXXX XXXX XXXX includes the priority pass as a benefit and in this program restaurants are included. On XX/XX/XXXX, I went to a restaurant that is included in the program and they priority pass was not accepted ( despite XXXX offering this as benefit ). I had to pay out of pocket XXXX usd. I reach out to customer service to get my money back or a credit or a partial waived of the renewal fee and the bank did not provide a o solution. 

I respectfully request that you review my account and provide a full refund of the {$60.00} in question. I did not received any communication about changes in the priority pass eligibility and hence I need my credit back to misleading information from the XXXX XXXX credit card.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Experian Information Solutions Inc. (CA)

Date opened XXXX account is paid, Closed. 

However the payment history isnt correct and accurate. XX/XX/year> XX/XX/year> XX/XX/year> 15 US code 1666b 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.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (CA)

I received communication from a lawsuit company that protects consumers in regards to Velocity Investments " XXXX '' suing me. I was not notified nor was I severed with any legal documentation for this matter. I recently received a copy of my credit report and come to find out that XXXX negatively impacting my report. I did not authorize this account nor did I receive any communication in regards to this account. They violated my rights.
Consumer complaint received 2023-03-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

COLLECTIONS/ CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION. 

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL
Consumer complaint received 2024-07-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Duvera Billing Services, LLC (FL)

We were a merchant offering EasyPay Financing to our customers, but EasyPay closed our account without warning, severely impacting our business. We've called three times and received different answers each time. Each time, they promised my account manager would call me back, but that never happens.
Consumer complaint received 2024-07-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (TX)

On XX/XX/year> I filed for a XXXX XXXX Bankruptcy. All my debts including 3 Parent Plus loans were discharged. The loan servicer at that time did not close the discharged loans but several years later consolidated the amounts into a regular student loan even when they were to take the balances to XXXX upon discharge. The court and myself provided the discharge paperwork. Now a new lender? Continues to report a loan on my credit report. I tried to communicate with them and sent a letter over 60 days ago with a copy of the discharge. I communicated with the court and with the Dept of Education to validate that Parent Plus loans are subject to discharge on a XXXX XXXX Do I need to deal with this through the Texas Attorney General? This a FDCPA violation. The company is Aidadvantage out of XXXX, TX. Thanks
Consumer complaint received 2024-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Dear sir, On XX/XX/XXXX of XXXX, I have received an email which asked me to register the account from XXXX XXXX XXXX ( XXXX ) ; however, currently, I do not have any accounts with your bank, Wells Fargo, as your cooperation has checked and reported to CFPB several times. To avoid the distrust, please do not send any email to the person, who is not a customer of your bank. Also, please remove the contact information, XXXX, which the above mentioned employee has sent the email. 
Sincerely,
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (TX)

I received a call today from XXXX XXXX XXXX XXXX XXXX XXXX  ph # ( XXXX ) XXXX they inquired about a T-Mobile account that they claim was past due. I Advised the representative fully paid XXXX XX/XX/year>. I asked her if she was associated with the XXXX XXXX  that I saw on my credit report and she got very rude and defensive. I told her I would like to dispute the account because it was already paid and I could provide proof and I asked her to mail proof that she cant collect the debt and she hung up in my face. I called the number back and spoke to another young lady, and she was very rude. She talked over me, yelled at me and asked me for my Social Security number in order to verify the debt and ask for my card number and my address. I saw that XXXX collection agency has already reported {$190.00} on my credit report as of XXXX XXXXI am not sure if either one of these companies are associated with each other. I advised him not to contact me anymore due to them being rude and not professional, and not wanting to provide proof that they are supposed to even have my information. When I reach out to XXXX they say I do not owe them. When I looked up the attorneys information they state that there is a class action lawsuit against them for attempting to collect debts that are not theirs. Ive had a report with the FTC that number is XXXX.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOUTHSTATE CORPORATION (DC)

XXXX. XXXX XXXX shows a non-sufficient activity report from South State Bank that I have an unpaid balance of {$130.00}. 

XXXX. XXXX XXXX  denied my application to open a XXXX account based on this report. 

XXXX is not my account nor have I ever lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC. This was my mother 's account who lived at that address. 

XXXX. After my mother ( XXXX XXXX ) became XXXX with XXXX, I administered payment and reimbursements of : medical expenses, assisted living expenses, geriatric care fees, and other living and personal expenses. This was funded by my mother 's pension payments from XXXX  XXXX XXXX XXXX ( XXXX ) that went into the account. 

XXXX. After my mother 's death on XX/XX/2019, XXXX benefits stopped. The account ceased to have a source of funds*. (. South State Bank continued to process account fees and other debits after the account funds were exhausted while tacking on NSF fees. 

XXXX. This adverse report from an account which is not mine has unfairly caused me to be denied services from a financial institution despite my XXXX XXXX XXXX. 


*Her house was sold on XXXX with all proceeds used to pay medical, assisted living, XXXX  care, and other living and personal expenses
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to report an issue I encountered while trying to contact TransUnion regarding a loan account that I paid off on XX/XX/year> in the amount of {$200.00}. Total remaining payments {$0.00}. 

On XX/XX/year> I attempted to reach their customer service and was placed on hold for over two hours. Unfortunately, I could not wait any longer and had to hang up without speaking to a representative. 

This experience has been incredibly frustrating, and I would appreciate any guidance or assistance you could provide in resolving this matter. Thank you for your attention to this issue. 

Sincerely,
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CLGF Holdco 1, LLC (PA)

My XXXX monitoring e-mailed me this morning, around XXXXXXXX XXXX XXXX on XX/XX/year>. There was a mysterious change to my XXXX reporting. I logged in as soon as I got to work around XXXX XXXX, and I saw there was a hard pull from a company called FEB/DESTINY. That lead me to researching Destiny Card 's info. I've never heard of this company until now. I've never applied from anything from them. So why are they pulling things from my credit reporting? I am in the middle of about three different " legal things '' with multiple banking companies right now, so I'm NOT happy to see something like this on my credit reporting first thing in the morning! Please see attachments for a basic " brief '' rundown of that exhausting situation.
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (GA)

I am disputing Fraudulent Accounts and Identity Theft under 18 U.S.C. 1028 and also requesting verification of this debt under 15 U.S.C. 1681g I have continued to request for this information to be verified and it still hasnt I want to receive. 

1. The original contract or agreement I signed with the creditor.

2. A detailed accounting of the debt, including all charges and fees.

3. Verification of the debt, including the name and address of the original creditor.

4. A copy of any judgment or court order related to the debt 5. Also a statement showing that this debt collector is allowed to collect debt in the state I live in.

Im also attaching a copy of my unemployment I was receiving at the time showing that I was living in the state of Pennsylvania at the time for the identity purpose
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (AL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
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: EQUIFAX, INC. (VA)

This is in reference to CFPB complaint numbers XXXX ( credit cards ) and XXXX ( auto loan ) that are now closed. On or about XX/XX/year>, I submitted a compliant to CFPB because two accounts were open in my name and listed on my XXXX credit report. I made several attempts at resolving the issued with the vendor XXXX XXXX and XXXX XXXX XXXX ( through phone calls ) but was informed that no such information was listed with my information in their records. Therefore, I made the CFPB compliant ( see numbers XXXX ( credit cards ) and XXXX ( auto loan ) ) to resolve the issues and was also told that XXXX  XXXX and XXXX  XXXX XXXX did not have any information or accounts opened with my name/personal information ( see your files for company response ). Today, I go to check my Equifax credit report and find that this information is listed on my Equifax report and now there is a third account listed. I have never authorized the opening of any accounts with XXXX XXXX or XXXX XXXX XXXX or any of its affiliates. The three fraudulent accounts listed on my Equifax Credit report is as follows : Ending in XXXX Credit Card Account {$1800.00} balance ( cfpb # XXXX ). 
Ending in XXXX Credit Card Account $ XXXX credit limit {$0.00} balance. 
Ending in XXXX XXXX XXXX XXXX XXXX {$15000.00} balance ( cfpb # XXXX ). 
I am kindly asking for these accounts to be removed from my credit report. I have been a victim of identity theft, and the information listed on my credit report related to XXXX XXXX and XXXX XXXX XXXX is fraudulent and erroneous. I have not authorized the opening of any XXXX XXXX Accounts. Ive enclosed portions of my Equifax credit report to assist you in removing this information. Thank you.
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: Experian Information Solutions Inc. (AZ)

I am writing to clarify the nature of my previous dispute submission dated XX/XX/2024. It appears there was a misunderstanding regarding the content of my dispute. 

In my letter, I did not state that I was disputing inaccurate or fraudulent items on my credit report. Rather, I was specifically addressing the issue of unauthorized information reporting under 15 USC 1681b. I highlighted that certain information was furnished and disseminated without my written consent, and therefore, in violation of the Fair Credit Reporting Act ( FCRA ). 

To clarify, my primary concerns are as follows : Unauthorized Furnishing of Information : The dissemination of my personal and credit information without my explicit written consent. 
Request for Removal : The removal of all unauthorized closed accounts that were obtained and reported without my consent. 
Request for Explanation : A detailed written explanation of how and when my personal and credit information was obtained and furnished without my consent. 
I apologize for any confusion caused by my initial correspondence, including the incorrect reference to " 15 USC 1681 '' instead of the correct " 15 USC 1681b. '' Please investigate this matter thoroughly and address the specific concerns mentioned above. Additionally, I request that you provide me with a free copy of my credit report as per my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a resolution within the legally specified timeframe.