davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my ongoing frustration and concern regarding the presence of fraudulent items on my credit file, despite our repeated attempts to rectify this issue. 

I urge you to conduct a thorough and expedited review of my credit file and the procedures and systems used by your organization to manage credit information. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address this concern and provide me with regular updates on the progress made in resolving this matter. Transparent communication and proactive engagement are essential in restoring trust and confidence in your organization 's handling of my credit information. 

In conclusion, I implore you to treat this matter with the utmost urgency and dedication it deserves, recognizing its significant implications for my financial well-being and peace of mind. Together, through collaborative efforts and decisive actions, we can rectify this issue and ensure the integrity and accuracy of my credit file. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, MO XXXX MO XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Balance Owed : {$600.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023.
Consumer complaint received 2024-04-01
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 formally dispute and request the immediate removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report. Additionally, I have contacted the banks associated with the fraudulent accounts. The banks have acknowledged the identity theft report 's authenticity and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been erroneously present on my report for over XXXX years. But somehow, these fraudulent accounts are still existing on my reoprt under your bureau and I'm wondering what kind of verification process have you done. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

Welll Fargo has wrongly accused me of fraud and scam and went a closed my personal checking accounts seized my money that have in the account and has told me that I have to wait until XX/XX/XXXX to get a check in the mail while I have family to feed .That has caused me a lot of damages emotionally physically and financially.I have keep calling them multiple time until I went to the branche in XXXX MD and the manager help me to overdraft my money..They illegally closed my personal checking account and my savings also my business account
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (MA)

On XX/XX/XXXX, I sent {$6.00} ( equivalent of XXXX XXXX  XXXX ) but the recipient did not receive the money, and even today ( XX/XX/XXXX ) the transaction still says " Processing ''. I have not received resolution from Sendwave customer service despite calling and enquiring about this transfer. 

XXXX XXXX XXXX XXXX, Sent XX/XX/XXXX at XXXX XXXX XXXX.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This message is to follow up regarding the ongoing presence of fraudulent items. As we enter the many attempts to address this matter, it is evident that more concerted efforts are necessary to effectively manage and remove these fraudulent activities from our systems. 

The persistent existence of fraudulent items not only undermines trust in our organization but also poses significant risks to our stakeholders and customers. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in our records. 

I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or gaps that may be contributing to the persistence of these fraudulent activities. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these fraudulent activities. 

Together, through collaborative efforts and decisive actions, we can overcome this challenge and ensure the integrity and security of our systems. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF ED/XXXX  XXXX Balance Owed : {$7600.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6500.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance : {$390.00} 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 2023-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (IL)

I am writing to express my concerns about potential violations of consumer protection regulations by XXXX XXXX XXXX, a title loan company operating in Wisconsin. I am also seeking protection due, the company insensitivity to my hardship and I believe I am being taking advantage of due my novice information on how this industry operate. 
Based on information I have gathered, I believe there may be instances where XXXX XXXX XXXX is not fully compliant with the rules and regulations governing the title loan industry, and this could be detrimental to the welfare of consumers. 
Specifically, my concerns are in line with the common violations associated with title loan companies that have been documented in the past. These concerns include : High Interest Rates : XXXX XXXX XXXX appears to charge extremely high interest rates, which could result in financial hardship for borrowers. 
Misleading Advertising : There may be instances where XXXX XXXX XXXX engages in misleading or deceptive advertising practices to lure borrowers into loans with unfavorable terms. 
Unfair Repossession Practices : Reports suggest that XXXX XXXX XXXX might engage in aggressive or unfair repossession practices. 
Hidden Fees and Charges : Concerns have been raised about hidden fees or charges within XXXX XXXX XXXX 's loan agreements. 
Lack of Transparency : There may be instances where XXXX XXXX XXXX fails to provide clear and comprehensive information about loan terms to borrowers. 
Targeting Vulnerable Populations : Concerns exist about XXXX XXXX XXXX targeting vulnerable individuals who may be in financial distress. 
Potential Violation of State Regulations : There could be instances where XXXX XXXX XXXX operates in violation of state-specific regulations governing title loans. 
Inadequate Loan Assessment : Reports indicate that XXXX XXXX XXXX XXXX not adequately assess borrowers ' ability to repay loans. 
Harassment and Collection Practices : There are concerns about aggressive and harassing debt collection practices employed by XXXX XXXX XXXX. 
I believe it is crucial for the Consumer Financial Protection Bureau to investigate these concerns and ensure that XXXX XXXX  XXXX complies with all applicable consumer protection laws and regulations. Protecting consumers from predatory lending practices is paramount, and acting against any violations is essential to uphold consumer rights. 
I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXXXXXX 's operations in Wisconsin, and if any violations are found, takes appropriate measures to rectify the situation and protect the interests of consumers. 
Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights, and I hope for a swift and effective resolution to these concerns.
Consumer complaint received 2023-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

While Reviewing my credit report I found a collection I have disputed already from MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX for {$570.00} - I called the number gave my information and was immediately sent to a " Supervisor '' who told me my balance was over {$1000.00}. As I asked question about this collection the individual became increasingly agitated and continued to talk over me. 

Timeline- 2020, visited Doctor XX/XX/2020 settled all accounts at that time. 
- Received Collection notice - - Called Doctor to see what had happened and was told no debt owed. Asked to check if there was a collection- Told no - Contacted collection company and got nowhere in requesting documents of the debt - Received nothing - Contacted collection company told would send documents NOTHING SENT
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I still see inaccuracies on my credit report even after the credit bureaus furnished my report without written intructions to be modified. Date opened, last reported, last active and last payments are still inaccurate. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and equifax has violated my rights. 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. I did not consent to have any of my reports furnished or modified.
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX XXXX has been furnishing an alleged debt. The debt is inaccurate and outdated. I did not receive my 1099-C for IRS tax purposes. I also request ALL documentary evidence pursuant to 15 USC 44. I want to know how much this alleged debt was sold for. What personal and private information of mine was sold to MRS BPO, L.L.C. 15 USC 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of Metro2 compliance.

see the attached letter for further details.
Consumer complaint received 2023-09-19
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. (MO)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc. (AK)

This company has sent me a collection notice of a credit card debt that I am already paying to another collection company out of XXXX XXXX and have been for a while. They are attempting to settle this debt but has sent no proof that they have been contracted by the original creditor or the collection company I have already been paying to.
Consumer complaint received 2024-03-30
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. (TX)

Please Delete this inquiry XXXX XX/XX/year> done fraudulently and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in Advance for your Cooperation.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Today on XX/XX/2018 Ive received a text saying my loan forgiveness is expired I was confused so I called the number in the text thinking its my loan lender. I was greeted and informed from a third party loan service debt reliving company that was supposely associated or named XXXX XXXX XXXX. They convinced me to sign ( e-sign ) documents stating they can relieve my debt for loans and forgive them after months of upcoming payments to them. I was spectical about the the information that was given after signing there documents and called fasfa and my loan lender Mohela. My loan lender then told me and a representative from fasfa that the company is stating false information and Im being taking advantage of, I was then suggested to change and update all my passwords for banking and fasfa due to me giving th

em my personal information already. Im contacting you'll because I am being scammed by this company that have all my personal information such as banking, and social security and Im very frightened about identity theft happening to me and loss of unauthorized money in my name . May you please help. Thank You,
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FactorTrust, Inc. (MD)

I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformati on in my credit file. I am specifically addressing the fraudulent information listed in my attached letter as a victim of identity theft ; SeeFraudulent Account Summary in my attached letter.
Consumer complaint received 2024-07-01
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: WELLS FARGO & COMPANY (PA)

Subject : Complaint Against Wells Fargo Auto for Non-Compliance with Debt Validation Request To Whom It May Concern, I am writing to formally file a complaint against Wells Fargo Auto for their failure to honor my debt validation request, as per my rights under 15 USC 1692, in relation to the financing of my vehicle. 
My name is XXXX XXXX XXXX, and I am the registered owner of the vehicle with the following details : * Vehicle Identification Number ( VIN ) : XXXX * Make : XXXX * Model : XXXX * Year : XXXX I have been attempting to obtain a copy of the promissory note related to the financing of this vehicle from Wells Fargo Auto. I initially requested this documentation in writing, providing all necessary contact details, on XX/XX/XXXX. 
Despite my repeated attempts to obtain the promissory note and my willingness to cover any reasonable administrative costs associated with this request, Wells Fargo Auto has failed to provide me with the requested information. They have not responded to my inquiries, and this lack of cooperation has left me without access to essential documentation pertaining to my loan. 
I believe that Wells Fargo Auto 's refusal to honor my debt validation request is in direct violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692. This statute requires debt collectors, including lenders like Wells Fargo Auto, to provide borrowers with validation of their debts upon request. Failure to do so is a clear violation of the law, and I am left with no recourse but to file this formal complaint with your agency. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Wells Fargo Auto for their non-compliance with federal law. I urge you to intervene to ensure that I, as a borrower, am provided with the necessary documentation and that Wells Fargo Auto is held accountable for their actions. 
Enclosed with this complaint, you will find a copy of my initial request for debt validation, along with any related correspondence and documentation. I believe this evidence will substantiate my claims and demonstrate Wells Fargo Auto 's disregard for my rights as a consumer. 
I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights and protections afforded to borrowers under the law. Please do not hesitate to contact me if you require any further information or clarification regarding this complaint. 

Thank you for your assistance in this important matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (VA)

This company is reporting unverifiable, inaccurate accounts on my consumer report. I do not and did not give them permission to report any information or obtain this information. I opt out of their reporting, they are to delete all information they are reporting on me ( XXXX XXXX XXXX XXXX except for my only address XXXX XXXX XXXX, XXXX, Va, my first-middle-last name, my only email XXXX. I have a right to privacy according to the privacy act of 1974, they are to leave my report frozen as well and not share my personal information without my written express consent.