davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Information came to my attention that all my accounts are being closed due to suspicious activity. There is absolutely nothing I am doing wrong and there is XXXX suspicious activity going on in my company and for Wells Fargo to decide and close my business account all of a sudden with little to no notice abruptly is unacceptable. This is effecting my business because my employee is no longer able to retrieve money from account ending in XXXX. My Business can not operate and is currently closed because My employee is no longer able to pull money from this account to run my Business. I need this account and the rest of my accounts unlocked as soon a possible. This is not acceptable. Nothing has changed from our initial implementation and discussions we had. Why is it all of a sudden what I was doing from the very beginning all of a sudden suspicious? I have always deposited the same amount because it is a liability for my business to hold more money at the business locations due to safety and risk of thieves breaking in and stealing. This is not ok and I really hope you fix this situation because my businesses in Northern California are currently closed because my employee can not retrieve money to run my business. We are a XXXX XXXX and we pay cash to our customers for the material that they recycle with us and we do not have cash to pay customers now and are closed. We are paying rent here and losing customers constantly. Please let me know soon as possible. Thanks.
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MD)

I received three emails from FSA stating my servicer EdFinancial has my next payment listed XX/XX/XXXX and my accounts may be in default. All my loans were consolidated and approved XX/XX/XXXX. The consolidation was completed and I received the official determination by email and U.S. Mail. Federal Student Aid website states the consolidation is still in review. I submitted complaints and contacted FSA, FSA ombudsman, EdFinancial and XXXX  to correct all information on my FSA accounts since XX/XX/XXXX. The first case was closed and FSA sent an email stating the problem was resolved but nothing on my FSA accounts reflect any changes or updates as of XX/XX/XXXX. 
I opened a second complaint attaching all emails and info to correct my account with FSA to show I have always been in good standing with my account, the consolidation info and the next payment is not due until XX/XX/XXXX. My servicer EdFinancial and XXXX have all the correct and up to date info listed accurately on my accounts within their websites showing I am in good standing and both have told me over the phone I need to contact FSA to update my account info. FSA has told me I must contact my Loan servicer to update my FSA information and I've contacted both. The only issue is with my account information being corrected on the Federal Student Aid website and they continually give me the run around and do not correct my account information. 
I am not asking for Student Aid forgiveness only that my accounts reflect the correct information so they don't inadvertently list my accounts as in default that would reflect on my credit reports. I have been paying my Student Loans since XXXX and have always paid on time.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have been a victim of Identity theft since XXXX. I have reached out to Usaa and requested a contract with my signature and they never provided it. This fraudulent account is a result of identity theft. This is causing harm to me as a consumer.
Consumer complaint received 2023-08-25
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)

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. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 2023-09-15
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights a number of times. I demand the accounts listed below be deleted because According to the 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Age of Account
Consumer complaint received 2024-01-22
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd. (AZ)

I have been receiving repeated robo-calls to my number, XXXX, which my XXXX  uses. The calls are from XXXX, and the recording identifies the company has Harris and Harris Ltd, and states that they are calling to collect a debt. I called the company to find out if the debt was legitimate, and they informed me that the name on file for the debt is XXXX XXXX. When I started to tell the agent that my XXXX  's name is XXXX XXXX the woman yelled at me and said " I know you just heard me say the name is XXXX XXXX XXXX of course that's not your XXXX, XXXX. '' She then hung up on me before I could request that they remove me from their lists. I then called back and spoke with XXXX more people about stopping the calls, but they kept transferring me around until I ended up on an endless hold. We are on the federal do not call registry. I want this company to stop calling us, and I want them to face whatever remedial or punitive action is necessary to stop their current business practice of nagging unverified phone numbers with robo-calls.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/year> I was on XXXX XXXXXXXX XXXX XXXXXXXX from XXXX to XXXX. The flight attendants came over the intercom and announced a brand new promotion for a Barclays Aviator Mastercard where if you applied in flight, spent {$1.00} in 90 days, you receive XXXX AAdvantage points. They pushed this very heavily, noting is was the first time this had ever occurred. They stated the normal promo was XXXX miles for a higher amount to spend in the first 90 days. I decided to apply for the card. I have been using the card now and received XXXX points. I complained to Barclays and they said I signed a form that offered XXXX. The flight attendants were clear that regardless of the form used, the offer code on the form was critical which was why we HAD to do it in flight. They attempted to sign us up online in flight but the wifi did not work. I only got the card because of the promotion. The flight attendant spent time asking each of us who applied Where will you go with your XXXX miles? I believe this promo is still going on as my husband was on a recent flight with the same heavy promotion. I called Barclays and they said it was my fault for using the wrong form. The form provided by the XXXX XXXX attendant in flight! I also complained via XXXX and was then told since your complaint has been resolved we cant fix it, but rest assured weve noted your complaint. This seems very suspect, disingenuous and potentially fraudulent. I had a case number with Barclays : XXXX.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (NC)

I was behind with my payments and made arrangements with Ally Bank to go into their fixed payment program. The written agreement was for {$10.00} a month for 6 months. I signed up for auto payment. The payments were made every month on the 1st which shows on my bank statements. I continued to receive calls from Ally regarding the original payment and told them about the agreement which they were able to verify. It stated that once I made three payments the account would show current. In XX/XX/year>, I received a letter stating the account had been charged off. I call them to inquire why. Again, the agent say the charge off as well as the agreement and told me he would get his supervisor. After waiting for a while, XXXX was transferred to the collection agency, which I had no prior knowledge of because I was speaking to an Ally representative. I briefly spoke with the agency who indicated that Ally sold the account. I explained that it was an error and that I had an agreement with the bank. The lady told me that's was them and the agreement was voided. There was no communication from Ally as they were taking the {$10.00} as agreeded. The payments were always on time, again because of the auto payment.. on my XXXX credit report it does not show the {$10.00} payments but on XXXX it does. I have disputed the item and it has been updated as being correct. I have the agreement and my bank statements to confirm that I made the payments as agreed and it was Ally Bank that breached the agreement.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

Hello recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX
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: EQUIFAX, INC. (CA)

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which is fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, this inquiry remains on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed this unauthorized inquiry from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (WI)

I have tried multiple times over the past several months to check the balance on some Vanilla ( XXXX ) Visa gift cards. These cards have been activated, have a PIN assigned and were able to make a purchase with previously. I know they work. The issue is the ability to check the balance on their website ( XXXX  ) NEVER works. ** I am not the only person who has this issue ** if you search online others have the same problem, Unable to get balance information and get a error on the website after putting in all the information on the card and correctly completing the XXXX XXXX an error pops up and no information on the balance remaining is provided. 
I have tried checking the balance * With an up to date I pad with up to date XXXX XXXX and it will not work. **I have tried a Up to date XXXX XXXX computer with XXXX and it will not work. *** I have tried on my phone ( XXXX ) with XXXX and it will not work **** I have tried on a XXXX XXXX using XXXX ( all updated ) and it will not work. I have tried on another XXXX XXXX with their browser XXXX and it will not work. ***** I have tried using a different IP address and it will not work. I have to wonder if it is deliberate so you have to get an username and password for them to collect more data from you ( email marketing ) or if they are running a scam to keep the remainder on the gift cards. There is NO reason why imputing a CC # with the correct Expiry date and XXXX digit security code after completing a captcha correctly for the system not to give the remanding balance. Try calling. They will not assist you without you having to give a name. I argued with them for several minutes. I would not be transferred to a supervisor unless I gave them a name. Why are consumers unable to easily check the balance on a giftcard they purchased without having to provide more personal information like a phone number, name, or email address?
Consumer complaint received 2022-12-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FORD MOTOR CREDIT CO. (GA)

This is my second attempt to get this item deleted from my report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. The company has already written off this debt them reporting this item is tax fraud. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2024-06-04
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. (FL)

XXXX XXXX XXXXXXXX is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXXXXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXXXXXX XXXX XXXX not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX  can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX for the cancelled debt of { { {$67000.00} } } in order to file as ordinary income. Where is my XXXXXXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXXXXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX is not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally lodge a complaint against XXXX, TransUnion, and XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These credit reporting agencies have consistently reported inaccurate information on my credit profile, including erroneous late payments, incorrect account statuses, and inaccurate balances. Despite my numerous attempts to rectify these issues, the inaccuracies persist, and my requests for correction and updates have been ignored.

The violations are as follows : 1. Inaccurate Reporting : My credit reports contain numerous errors, including but not limited to : * Incorrect late payment reports. 
* Inconsistent account statuses. 
* Discrepancies in account balances. 
* Failure to update my address despite multiple requests. 
* Multiple variations of my name, whereas I have specified the correct spelling.

2. Violation of Consumer Rights : As stipulated under 15 USC 1681, there is an imperative need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. My right to have accurate and consistent information reported by all three credit bureaus has been blatantly disregarded. 
3. Lack of Response and Rectification : Despite my formal complaints and requests for corrections, the credit reporting agencies have failed to update my profile accordingly. I have explicitly requested that all communications regarding the updates be provided to me in writing, yet I have received no such communication. 
I am deeply concerned about the impact of these inaccuracies on my financial health and the potential repercussions on my ability to access credit. It is both unfair and unlawful for these credit reporting agencies to neglect their duties, causing undue harm to consumers like myself. 
I am urgently requesting the CFPB 's immediate intervention to : 1. Investigate XXXX, TransUnion, and XXXX for their non-compliance with the FCRA, ECOA, Privacy Act of 1974, and GLBA.

2. Ensure that all inaccurate information on my credit reports is corrected promptly.

3. Mandate that the credit reporting agencies provide written confirmation of these corrections.

4. Hold these agencies accountable for their negligence and disregard for consumer rights. 
I am counting on the CFPB to uphold its mandate to protect consumers and ensure that these agencies adhere to the laws designed to safeguard our rights and financial well-being. Your prompt attention and action in this matter are crucial and highly appreciated. 
Thank you for your immediate assistance.