davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

15 U.S. 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. They reported the balance to AWA collections in XXXX  They would also act incredibly unprofessional and harass myself and my family members including sending threats such as towing vehicles.
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

I am not liable for this debt with LVNV FUNDING LLC. I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as requested.
Consumer complaint received 2024-04-29
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. (MA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

In connection with the retaliation, XXXX discrimination ( 15 U.S. Code 1691 ), fraud & other abuses my company and myself have personally been subjected to by Wells Fargo I am formally requesting an outside investigation & mediation seeking damages. 

I have been the victim of Wells Fargo opening up a savings account without my consent or any disclosures. I've also suffered retaliation and XXXX discrimination after bringing it to Wells Fargos about the fraudulent activity by wrongfully & unlawfully denying me credit ( 15 U.S. Code 1691 ), unlawfully denying mortgage refinance opportunities ( based on race ), denying business credit line increases ( based on race ), & blocking secured business credit line graduations ( based on race - 15 U.S. Code 1691 ). All this compounded by the retaliatory nature by which these offenses took place they also closed my secured business credit cards unjustly even though the card is in good standing and with a low balance and did not return the original deposit for the card. 

They also failed to disclose/discuss with me about the XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
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. (CA)

A few months ago, I reviewed my credit report and found discrepancies related to the account XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). This situation is infringing upon my rights. I have disputed these inaccuracies with all three credit bureaus and the creditors and collectors, but I only received generic replies. Consequently, I am filing this complaint based on my findings. The company is violating sections of 15 USC. 

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (NY)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

I withdraw a {$600.00} cash from Chase ATM from my savings on XX/XX/23 one time. On next day, I checked my transactions on my Chase mobile that shows a duplicate transaction was made.

I filed a claim thru Chase and there was a decision that there was no error on the ATM so they couldnt reserve the duplicate transaction.

I was not very happy and furious about the decision. So I contacted them again explaining that where for me to ask and help to get my money back. They kept telling me there is. Nothing I can do.

I understand that their investigation found no error and so on and they only followed their protocol. But me as consumer, I lost {$600.00} and no one is responsible for this.

Thats why I am here to file a report for help.
Consumer complaint received 2024-07-16
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)

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2023-09-18
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXXXXXX Balance Owed : XXXX ; XXXX  XXXX Balance Owed : XXXX ; XXXX XXXX XXXX Balance Owed : XXXX
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (FL)

FILED SEVERAL DISPUTES MAKING EXPERIAN AWARE OF IDENTITY THEFT AND PROVIDING FTC IDENTITY THEFT REPORT, AND THEY EMAILED ME DENYING THE BLOCKING OF THE ACCOUNTS, STATING THAT I MISREPRESENTED MYSELF TO OBTAIN GOODS OR MONEY. ( EMAIL ATTACHED TO THIS COMPLAINT FORM ) I HAVE ALSO MAILED A COMPLETE STATEMENT, ALONG WITH DRIVERS LICENSE, SOCIAL SECURITY CARD, REQUEST FOR ITEMS BLOCKED DETAILING THE ITEMS TO BE BLOCKED THAT ARE FRAUDULENT, FTC IDENTITY THEFT REPORT. TRACKING NUMBER XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

FCRA 605B, I think, requires us to eliminate any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in XXXX XXXX XXXX and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over XXXX years. But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. 

MACYS/DSNB XXXX
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

Edfinancial has prevented me from paying my loans and I have been unable to make any sort of contact over the phone with them as their phonelines are programmed to simply hang up due to " high call volumes ''. 

I enrolled in autopay on XX/XX/2023 and again on XX/XX/2023. 
I have also manually submitted payments which were also made on XX/XX/2023 and XX/XX/2023. 
( See attached documents. ) None of the above actions that have been made on my account with edfinancial have been honored despite being sent confirmation emails that the actions were performed. Autopay was never performed and payments were reversed without any notice or explanation. 
( Confirmation emails are also attached. ) With this, my interest rate reduction for my enrollment in autopay has not been honored either. Per the terms of my loan my interest has been accruing daily on a greater amount due to the lack of succesfull payments, AND at a higher interest rate than it should due to the auto pay not being honored. 

In addition to this I am now showing a missed payment from XX/XX/2023 that was supposed to be automatically pulled with the autopay which still has not been functional. 

As it stands I am being forced into greater debt due to what seems to be predatory and malicious noncompliance by Edfinancial Services.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX The results from the investigation is still in progress. If it is more than 90 days, you must remove. 
XXXX deleted a long time ago. Experian and XXXX was supposed to delete it as well according to law. 
If this problem continues, I will contact my state legislation to sue this company, XXXX and the credit bureau due to reporting false information and failing to accurately complete investigation. There are my things that was violated and I need to request an audit from the historical changes that was illegal According to law FRCA srction 605b, it is illegal to report information on my credit report without my permission. Thank you please remove this item from my credit report now.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have sent LOADS of proof of incorrect owing plus you are a 3rd party which is a violation and I will be pursuing this in court if it isn't removed from all reports Plus collecting for violations : FDCPA 15 usc 1692 ( c ) c It's showing as open & past due which doesn't even make since if it's a closed collection account and it's been over 30 days with no fixing it which is violations of 15usc 1681e!

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY And under XXXX XXXX XXXX " debt '' isn't even real I can't owe what I lend out via my straw man this is my last attempt to fix this issue before I sue
Consumer complaint received 2023-09-18
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX Balance Owed : XXXX ; XXXX XXXXXXXX Balance Owed : XXXX ; XXXX XXXX XXXX XXXX Owed : XXXX.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (KS)

I have been attached to a debt by my deceased father by a collector National Credit Systems that purchased a debt from his landlord XXXX XXXX XXXX. I did not reside at this apartment during the lease dates that have not been paid. I was not on the XXXX as a guarantor during dates not paid for. The original creditor dismissed a lawsuit towards me and never corrected with the collection company after the case dropped. I have included the dismissal in this complaint. I have tried to resolve with the collection company and they tell me they dont care and will just keep reporting this and nothing I can do about it. This is fraud by this company. I need this removed from my credit reports and hope something can be done to this collection company. National Credit Systems will not provide any documentation in return to validate this debt. I have requested by telephone, email and writing disputing this debt and requesting any documentation to show I owe this debt. This reporting is is against 15 USC 1681e ( b )!!
Consumer complaint received 2024-04-30
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. (RI)

i originally sent experian, XXXX and XXXX a letter opting out from reporting the mentioned account, they failed to comply with my opt out requests and continued to report. i would like for them to initiate arbitration and pay all the costs
Consumer complaint received 2023-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a 360 Savings account with Capital One ( used to be ING Direct before 2012 ). Please do me a favor and XXXX the interest rate on this account. If you did it, you will likely conclude that the rate is roughly 4.15 %, which is what I have been thinking for months. But we would be wrong. 


The 4.15 % is for an account that Capital One calls " 360 Performance Savings '' vs my account that it calls " 360 Savings ''. The rate on my " high yield savings '' account is 0.30 %. Again it's 0.30 %!!!!!! It is a 385bps difference which is massive and would be {$10000.00} per annum for a {$250000.00} balance! I called Capital One and wrote to them to complain about this and ask for credit for the interest rate difference for previous years but they have refused to do so. I looked up online and there are many other customers with the same complaint, but they do not know how they can " fight back ''. 


From what I can see there is no substantive difference between these two accounts. They are straightforward high yield savings accounts. The sole purpose for two such identical accounts with confusing similar names but massively different interest rates is to sucker legacy account holders ( who trust the Capital One institution ) out of millions of dollars in interest. If they want to sunset 360 Savings accounts, they could easily have proactive communications and convert these accounts to 360 Performance Savings accounts. But they did not do so. This is deceptive at best and fraudulent at worst. 


CFPB may also want to look at the history of names on 360 savings accounts and 360 performance savings account, see how much balances are still held in 360 savings account, when Capital One started diverging the interest rates between these two accounts, and the bank 's rationale for using these deceptive tactics.