davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. (GA)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX  - XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XXXX  - XXXX {$100000.00} XXXX  XXXX - XXXX {$2300.00} XXXX - XXXX
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

Multiple calls from this debt collection company regarding a debt that is not mine. XXXX - midland credit management, they keep calling for someone else 's debt. Have advised them they need to stop calling but they keep calling.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

This is in regards to the purchase of plane tickets on XX/XX/year> through two venders, ( XXXX and XXXX ) that I did not authorize. I called Wells Fargo about the charges the minute I saw them on my statement. XXXX called me about the dispute and I told them that I did not authorize the charge. That company immediately refunded my credit card company. Wells Fargo refunded the other charge initially. 

Later on after they did their research, they told me that the tickets ( from NY to XXXX XXXX ) were in my name and my daughter 's name and thus were authorized by me ( even though I called Wells Fargo to dispute the charge several days before the flight was even scheduled to depart ). As I had recently been hacked ( my employer had received an email from a bad actor to deposit my paycheck to a fraudulent account ), I told them that most likely I have been the victim of identity fraud and that is why the tickets were purchased in my name. I also supplied proof that neither I nor my daughter had been to XXXX. They denied my claim. 

Afterwards I called XXXX and found out the tickets were purchased using an email that was not mine and I did not have access to. I promptly called Wells Fargo and told them about this. They reopened the case, but later denied me again. When I called to speak to someone at the company, the person on the phone told me there was no record that they even followed up on this claim. 

I called XXXX again and told them I needed documentation regarding the email they have on file ( that was not mine ). They would not provide this documentation unless they could send it to the email they had on file ( which is not mine ). After 2 hours of escalating the issue, they finally sent me proof to my actual email address ( regarding the fraudulent email address ). I sent all the proof to Wells Fargo. Now I will have to wait another 20 business days for them to do their job ( or not ).

I would also point out that Wells Fargo forces you to send all documentation via Fax, not email which is extremely inconvenient and costly. 

In the meantime, I refuse to pay this charge because I did not authorize it. There was a zero balance on the card with the exception of the fraudulent charge. As this is still ongoing and has been going on for the last several months, the account has been reported as delinquent. My credit has dropped XXXX points and other banks have reduce my credit limits on other cards.
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America in XXXX XXXX still refusing to transfer or release funds To me .BOA persistent request to pay some type of fees,. Every time I pay thinking the deposit will be done they come up with asking for more money. This has been going on since XX/XX/year> and there seems to be no end to settling.the money due me.
Consumer complaint received 2024-06-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (WI)

I opened a Credit card for Best Buy in XXXX. XXXX years later, I was notified by mail that there had been a lawsuit, and upon looking more closely at my statement I noticed I had been charged by XXXX. I did not recall consenting to this additional fee. I followed the steps outlined to end that " XXXX XXXX '' account and get the fees dropped. I was told that the account was canceled. After that, I had charged some large purchases to the Best Buy card and set the payment to autopay. To my surprise, I was recently notified via XXXX XXXX  that my Best Buy card was over 90 % utilized. It would appear that I have unknowlingly been charged fees every month for " XXXX XXXX  '' that I don't remember signing up for or agreeing, not to mention canceled years ago. Apparently it was never canceled, and because of this recurring fee my card is just about maxxed out. I called Best Buy had to go through a few hoops to be transferred to the correct department and told, again, that subscrition is canceled. However, I was not offered any sort of retribution.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was trying to make the full amount of statement balance due on XX/XX/year> which is {$13000.00} and I deposited {$8000.00} on XX/XX/year> and deposited {$4900.00} on XX/XX/year>. The Capital One ATM at the XXXX XXXX was broken and ate my full amount of {$4900.00}. I called the Capital One customer service number immediately and the representative told me that Capital One will not charge me interest even I did not pay the full amount of the statement balance due in XX/XX/year> which is XXXX but now I see the interest they charged me {$180.00} on XX/XX/year> because they said XXXX, the statement balance is XXXX, I did not made the full amount of money for the statement balance so they charged me for {$180.00}. I told them because the ATM was broken and I was not able to make anymore cash deposit and the representative also told me Capital One will not charge me interest because the ATM broken. And for the statement balance due on XX/XX/year> is {$12000.00} and I made the payment in full of {$12000.00} on XX/XX/year> but they still charged me {$220.00} on XX/XX/year>. I called the customer service and the refused to provide refund for the interest charge on XX/XX/year> for {$180.00} and on XX/XX/year> for {$220.00}.
Consumer complaint received 2024-07-09
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Maximus Federal Services, Inc. (MN)

I called my XXXX XXXX XXXX asking for my transcript because I am transferring to another school, but they told me that I have a hold on my transcript and account so I will have to pay about {$1900.00} to get my transcript hold removed to receive my official transcript to play football at my old school
Consumer complaint received 2024-06-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Global Processing Services, LLC (CA)

A representative contacted me saying I owe this debt from a payday loan but it doesn't show up on my credit reports I tried to contact them the number they called me from is NOT IN SERVICE and they don't have a physical address just po box I asked them to send me a letter saying what I owe they said that their protocol is I can only receive a letter saying what I owe after I paid them the balance stated on the document I uploaded!!!
Consumer complaint received 2024-07-02
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Nelnet, Inc. (PA)

Hello, I XXXX XXXX XXXXXXXX XXXX XXXX XXXX during the years of XXXX. During that time, I took out federal student loans and private loans to progress through school. The loan process was an absolute nightmare, where I would be regularly pulled from class and forced to sign more loan paperwork without consulting my parents, and if I didn't comply, I would not be allowed back to class, where I would miss time and inevitably fail the class if I continued to miss time. If I remember correctly, it was about {$400.00} per credit, and my classes were not accredited either so I couldn't transfer fundamental courses from a XXXX XXXX not even for XXXX XXXX XXXXXXXX. I was flat out forced to sign my name on loan documents and pressured about failing my classes if I didn't. As you are probably aware, there was a class action lawsuit ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which I am a XXXX XXXX There is also the Borrower Defense to Repayment which I applied. I have had my federal loans cancelled through this program and XXXX excruciating years of followup and diligence between me and thousands of others through organizing, protests and speaking to reporters. I have yet to see any refund for my payments made, but I am patient, I can continue to wait. 

The real issue is this : my private loans, and so many other XXXX XXXX students with private loans. Most of us had to take out more private loans than federal loans to get through this school, our XXXXXXXX XXXX and XXXX wouldn't cover our tuition, not even half. We were lied to about the total cost of our programs, and forced to continue to take out more loans with very high interest rates. I submitted a complaint about my private loans which were originally through XXXX XXXX, which became XXXX, and after about 7 years of payments, my loan interest rates keep climbing until it reached over 7 %, I want to say it was just under 10 % for about XXXX. I was never going to get out of this making {$16.00} an hour outside of my field, and I was forced to refinance my loans through FirstMark Services. 

My loans through this college, whether they are private or federal, are loans owed to XXXX XXXX, preying off XXXX people trying to better their lives by XXXX XXXX XXXX The courts have found cancelling and refunding federal loan payments to this school to be justified due to their well documented criminal history of scamming and defrauding people, I asked FirstMark Services to look to do the same. They are refusing to cancel these loans. I am reporting this company again, because this is an obvious answer. I should not have to pay loans for this predatory college, even the United States government agrees.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (MO)

On XX/XX/XXXX, I had a transaction for {$120.00} sent to a CashApp account I no longer use. I havent used that account since XXXX. I currently use a CashApp which is similar to my old account. I no longer have any information on that old account. I called CashApp to explain what happened that it got sent to the wrong account and if they could transfer the money from that old account to the new one. They explained they had no way of doing that and to contact the sender to cancel. I did that, but the sender could not cancel as to the transaction was already completed on their end. I called CashApp back and asked what other way I could get this resolved. They went on to say, the transaction had been completed and without me not having any verifying information I could do myself to get into the account theres nothing that they could do. They were able to verify who I was on both accounts, but refused to make the transfer to the right account.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

This account was the result of identity theft. I have previously filed a XXXX report and a Police report. Both reports given to creditor. This account has also been disputed with all 3 credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2024-05-09
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. (GA)

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumbeXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumbeXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-04-12
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bank XXXXXXXXXXXX Balance : {$10.00}, XXXX XXXX Card XXXXXXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB (CA)

On XXXX XXXX, KLARNA was requesting I pay a balance on the account This balance was paid to the debt collector I informed them of this and provided them copy of correspondence and receipts. They said it was resolved Went back balance still reflected after 7 business days. KLARNA then informed they never received notification from XXXX ( debt collector ) that payment was made yet they adjust my balance to reflect the pyment made to XXXX They told me to reach out XXXX and have them send the notification again. 
XXXX said they did. 

This has been an on going issue and neither XXXX nor KLARNA will help. No one has responded and when they do they blame the other for getting my account updated. 

This affects me and times are hard. Anywhere we can have payment plans are appreciated and I cant use it because the Klarna is staying they havent received a settlement information from XXXX INACCURATE as I received exactly what theyve received even forwarded it. I even put them in the same email to explain and COPIED ALL correspondence into one email. Neither helped. Call truaccord again today At which they said my balance has been taken care of as of XXXX and that klarna was notified. 
Klarna does not show history and is refusing to help me further or allow me to make purchases on their site or their sister site until this balance is paid off. Which it was. I paid the balance a small portion was written off. You did indeed settle this balance for {$100.00}, leaving the remaining amount to be forgiven at {$71.00}.. XXXX has escalated this twice to Klarna and Klarna refuses to adjust the forgiven amount. I spoke with XXXX today with XXXX. 

Klarna sent all my accounts to the debt collector. Which Ive paid. Its not my fault they wouldnt allow us to edit payment changes.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (IL)

This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

This complaint concerns a debt that Midland Credit Management is attempting to collect on behalf of XXXX XXXX. Before this debt was reported to my credit file, Midland failed to provide me with an opportunity to settle it. I was unaware of the debt until it appeared on my credit report as a collections account.

I have submitted an inquiry to Midlands Compliance Officer regarding this issue but have not received a response. This lack of communication and failure to notify me beforehand constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc. (TX)

I sent my letter off on XX/XX/year>. I told the credit bureaus to investigate every piece of information on the account I have listed below. Also I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 



Account : National Credit Audit Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete Accounts with all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX