davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I opened a dispute with Wells Fargo bank XX/XX/XXXX for unauthorized transactions on my debit card which was lost, the dispute agent said I would be receiving a final credit 2 business days after the items posted to account, its been over 3 months now and no credit and I have the transcripts, correspondence emails of the bank confirming the call and the credits were promised to me by the agent but they refuse to apply it to my account to this day.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I submitted a final loan payoff on XX/XX/. A week later, my account showed a {$0.00} balance and then a few days later I was no longer able to see the account anymore. I noticed that my credit report was not being updated to reflect the payoff and my report still shows a large balance. I asked the company to send me a letter to prove I have paid it off. They sent me the letter and it indicates that it was paid off on XX/XX/. I opened a dispute with Experian but their result of the investigation says the information on my report is accurate despite the letter indicating the account is paid off. The company is not submitting the correct information to the credit bureaus after the account has been paid off.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp (TX)

Ive sent in a dispute letter to XXXX, XXXX, and XXXX asking them to remove any debt that can not be verified within XXXX  days. All XXXX  bureaus have yet to provide me with investigation results. 

Account name shown on credit report : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MI)

A small group of us traveled from the XXXX to XXXX De XXXX XXXX. On XXXX late Friday night after midnight XXXX of XXXX of us were pickpocketed. XXXX of his wallet. My license and hotel card, XXXX XXXX credit card and my Comerica debit card was stolen. We found my license and hotel card in the middle of XXXX XXXX near our hotel. ( XXXX at XXXX XXXX XXXX De XXXX ) We determined it was thrown out a car window. I realized that my XXXX XXXX credit card and Comerica card was missing. I immediately check my balance once i went back to the hotel to get XXXX to connect to internet. Because i have XXXX XXXX and needed wifi to get internet connection. Also to make sure i did not leave those cards in my room, deep down i knew i had not left them. When i checked my balance with comerica my balance was negative -- {$1700.00}, although i had at least {$3500.00} in my account. I contacted the automated services and reported stolen card, Then within XXXX minutes used a friends phone and got through to a live representative and explained my situation and what had happened. I could not hear the rep that well as i was now outside on XXXX XXXX. Total case amount is {$5700.00}. After the banks investigation they said that the card had a chip and it had to be in my possession at the time it was used. These transaction were done within XXXX minutes. They are as follows XXXX {$150.00}, XXXX XXXX, XXXX {$490.00}, XXXX {$140.00}, XXXX {$230.00}, XXXX {$11.00}, XXXX {$20.00}, XXXX {$20.00}, XXXX {$290.00}, XXXX {$490.00}, XXXX {$990.00}, XXXX {$1900.00}, XXXX {$290.00}, XXXX {$390.00}, XXXX {$39.00}, XXXX {$7.00}. The company name that was billed was XXXX XXXX XXXX De XXXX XXXX. Comerica Bank said they closed my case and did not help me. I never received a phone call or letter. My account is at a negative {$2900.00}. 
Store location is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX De XXXX. In the favela. A local source advised me of this.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account 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 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

In Accordance with the Fair Credit Reporting Act LVNV FUNDING LLC XXXXXXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-06-25
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. (CA)

XXXX and XXXX are the same institution. 

Due to a recent transfer of government loans providers ( early XX/XX/ ), my student loans are duplicated by all 3 credit agencies ( Equifax, XXXX and XXXX ). Current balance totalling {$100000.00} instead of {$50000.00}. 

XXXX sent me an official letter stating the issue they encountered with their system which I already provided to them. 

I have been contacting all 3 credit agencies online and by mail to correct the duplicated balance without having a successful outcome. 

This is affecting my ability to buy a house due the debt is showing on my credit report.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

Respectfully, I reviewed your response to my initial complaint. Your response is incomplete. I contacted AMEX inXX/XX/XXXX and requested the balance on the account and simultaneously closed the account. The agent at that time gave me the balance minus the late and interest fees because my initial payment was returned because the mailing address for the payment was returned because AMEX changed the mailing address without my knowledge. In XX/XX/ I called again to confirm my account was closed and the balance XXXX. I was told the account was closed but a balance of {$0.00} remained which I again paid. Despite being told the balance and paying the balance AMEX kept adding a balance fraudulently. Additionally, even though I closed the account in XX/XX/ which AMEX acknowledged on several phone calls, somehow they came up with an erroneous close date ofXX/XX/XXXX only after I filed several complaints. Amex has been fraudulently charging me late fees and interest on a closed account which I attempted to pay off the balance on two separate occasions after speaking with reps. I contend AMEX has been fraudulently continuing a balance on the account and charging late fees and interest fees and erroneously changed the closed date account only after I filed several complaints. I request for the phone calls be reviewed where I actively tried to get the balance to XXXX the account and suspiciously a balance kept appearing. I request that you remove whatever balance is on the account and to report my account to the reporting agencies as in good standing considering I have spoken with AMEX agents on more than one occasion trying to pay off the balance in full. I should not be charged late and interest fees on an account I attempted to pay off on more than one occasion and after I closed the account in XX/XX/. The agent said they would credit the account the late and interest fees in XX/XX/ when I paid off the balance and closed the account. All other late and interest fees after XXXX are fraudulent as the balance should have been XXXX. My account was in great standing for years, it has only been since I have tried to pay off the balance and close the account that AMEX has been fraudulently overcharging me on late and interest fees and perhaps intentionally giving me incorrect payoff amounts so a balance would remain. Something shady is going on.
Consumer complaint received 2024-05-07
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)

TRACKING # XXXX XXXX XXXX XXXX XXXX ATTN : EQUIFAX TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : 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 TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS XXXX IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX UCC 1-308
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I have been contacted constantly since XX/XX/ by Resurgent Debt Collectors attempting to collect on a balance of {$710.00} owed by someone named XXXX. I mailed in a request of Debt Verification since my name is not XXXX and I owe no debts in that amount or to that company. I have not received it yet as of XXXX XXXX and still get text messages and phone calls from XXXX
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (GA)

I have sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with XXXX and Experian There is inaccurate information listed on my account with XXXX XXXX systems. The company is stating that I XXXX + dollars to them. I have never been extended credit from XXXX. However, In 2015 I did have a car repossessed by XXXX XXXX. The care was repossessed and sold at an auction for XXXX. 
Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and XXXX refuses to show me proof of what I owe. Please help!
Consumer complaint received 2023-12-15
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. (WI)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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
Consumer complaint received 2024-01-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: American Credit Acceptance, LLC (CA)

XX/XX/2023 my car was repossessed I paid to get the car back and when I picked up the car, the car will not start the person at the yard jumpstarted the car and I noticed when he brought the car out that the interior was damaged, everything was all over the place and trash and look like someone was trying to find something in the seats, I told them that I was going to get the car back. I was just waiting on my job to backpay me. The guy on the yard me to call the company and I can file a claim. I called the company and was directed to another part of the company, I left a message with that company and Ive tried to call again, but I was directed to another part of the company, etc. Months past still no response they told me to fill out a form and email them a picture of it, so I did, but still no response the holes that were put in the seat have grown overtime for me having to use the car to drive to my job. The only time I hear from American Credit Acceptance is when my bill is due. I reached out to the dealership XXXX to let them know that the car that they sold me was bad in the beginning and the same issue is occurring in present time, I asked the manager at a location can they buy the car back and he told me yes. I had it towed to the dealership and to finalize the decision I ran into another problem, I spent numerous of dollars trying to figure out the problem with the car, but still not fixed. I tried using XXXX to diagnose and fix the car but XXXX XXXX didnt make repairs to be needed but told XXXX that the issues didnt need to be fixed at that moment, but will be a problem later down the line so they didnt authorize them to fix. This is the second car that I got from XXXX that had issues. The first one the engine light came on the same night that I purchased it and I took it back and got my money back. I gave them another chance to give me a reliable vehicle, but they disappointed me again. Now the American Credit Acceptance dont want to respond so I can get my claim in after almost a year of trying but they want me to continue and wont put a hold on the account. And I no longer have the vehicle XXXX does
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : 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 And I demand removal of these incorrect addresses : 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 2024-05-07
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. (NY)

i see a recent fraudulent inquiry added in my report. Kindly remove it as soon as possible. Thank you. 

XXXXXXXX XXXX XXXX  inquiry date XX/XX/year>XXXX XXXX
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc. (NV)

On XXXX XXXX ( Convergent Outsourcing ) attempted to fraudulently collect a debt of {$250.00} that was illegally sold by the actual creditor ( XXXX XXXX ). Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (SC)

I sent several dispute letters with no response. Also reported them and they told the agency that they have provided information. They haven't. Since XXXX XXXX purchased this account I need to see purchase agreement, breakdown of charges that meets what they are requesting. So I can verify its mine with the original company.
Consumer complaint received 2024-05-07
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. (LA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/XXXX asking all 3 data collectors XXXX, XXXX, and Transunion advising that there were many accounts showing errors and inaccurate information on my reports. I provided specifics and in return, I was sent an updated copy of my credit reports just saying verified, but no validation was sent showing how they verified. No contract for me to verify if it's my signature or not. This is not the correct way to do this validation on account of the FDRCA. I was to be sent a copy of the original contract showing my signature. I have also sent another letter to all 3 bureaus today XX/XX/XXXX addressing the same things.
Consumer complaint received 2024-05-07
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. (GA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently ensured timely payments on this account, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.