davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I had XXXX loans through this company one opens XX/XX/2023 which was paid off and closed XX/XX/2023 and another loan opened XX/XX/2023 and closed XXXX. Both were completely paid and closed, yet the company was still reporting as opened and full balances. I have been disputing this loan from XXXX since XXXX and the loan from XXXX I have been disputing since XXXX. Once disputed all credit agencies then adjust it, only to have XXXX loans ( which reports under XXXX on my reports ) come behind and report account as reopened or having a balance repeatedly for the past XXXX  month ever single time its fixed they come back after to report negatively and inaccurately. I feel they are doing this to make me ineligible for other loans at better interest rates and force me back into XXXX % interest loan with them! They currently are reporting a loan closed in XX/XX/2023 is closed but has a full balance, when it was just fixed correctly XXXX weeks ago, they have caused me thousands of dollars by forcing my home loan to be pushed back months please take action against this company.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (GA)

Complaint Regarding Non-Compliance with Negotiable Instrument for Debt Cancellation I am writing to file a formal complaint against XXXX XXXX and [ XXXX XXXX XXXX and XXXX XXXX as well as XXXX Name ] for their failure to honor a negotiable instrument, specifically a Form 1099-C, which legally cancels the consumer debt in question. I believe that their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws.

I would like to bring to your attention that the negotiable instrument used in this case, Form 1099-C, is a legally binding document that should result in the cancellation of the consumer debt. The failure of the above corporations to honor this instrument raises concerns about their compliance with consumer protection laws.

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that The corporation named above must comply with the relevant laws and promptly cancel the consumer debt using the negotiable instrument provided.

[ Attach copies of relevant documents, including Form 1099-C, correspondence with the credit bureau and collections agency , and any other supporting evidence. ] I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will investigate the issue thoroughly. I look forward to a resolution that upholds consumer rights and ensures fair treatment by the law. 

Thank you for your prompt attention to this complaint.
Consumer complaint received 2023-08-30
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. (GA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I deposited a XXXX check into Wells Fargo Bank via Mobil Deposit. The check was drawn on a checking account I have at XXXX. That checked was flagged by XXXX as having an irregular signature as I didnt sign my full name as is on the signature card and the check was for XXXX. 
When notified, I called both banks and was instructed by XXXX to write a new check using full signature. 
On XX/XX/XXXX, I deposited new check for XXXX into Wells Fargo. 
On XXXX, I received notification from Wells Fargo that my account had fallen below XXXX. 
On calling the XXXX #, I was told that they put a fraud alert on the check and it was being held until XX/XX/XXXX. I asked to speak to a manager, I was transferred but got no further when I explained that the check had cleared my XXXX bank according to online transaction on XX/XX/XXXX. I asked to speak to a higher level manager and was told I would have to wait 24-48 hours. I hung up and called XXXX who verified the check cleared my XXXX acct on XX/XX/XXXX. 
I called the Wells Fargo branch where I opened the account and was told I had to call the XXXX number. 
I want to know where my XXXX is as it is not available to me either from XXXX, where is was deducted on XX/XX/XXXX and not from Wells Fargo who presumably has the money but is not crediting my account.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I tried to access my account and there was no access. Then I went home and there was still no access. So I called and was told that the Fraud department put everything on hold. However, the person I talked to said she could not do anything about it, only the Fraud department can. So I asked to be transferred to the Fraud department and she said they are not available until Monday. And it's Sunday right now. The issue I have is that it's perfectly ok to protect account by blocking access when fraud is detected but in our cashless world it's not ok to then not have a way to resolve the problem except during banker 's hours. I don't carry cash and use my atm card for everything. They should have an " after hours '' way of accessing the funds.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

A request was submitted multiple times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate with no proof of debt validation or details involved in the investigation. I am not liable for this debt with XXXX XXXXXXXX XXXX  for {$370.00}. I do not have a contract with Portfolio Recovery, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

Dear WELLS FARGO BANK, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (TX)

I have for the second time within a year responded to a solicitation from US Bank that I received via U.S. mail implying that I am preapproved for a second State Farm / US Bank credit card, the State Farm / US Bank Good Neighbor credit card. I submitted a complaint to you on or about XXXX XX/XX/XXXX regarding this same solicitation. Because my financial situation has only improved since I was denied the credit card last XXXX, I again applied for the credit card only to again be turned down even after asking for reconsideration based upon the fact that I am only utilizing XXXX percent of my total available credit lines from all the credit card accounts that I have maintained perfectly. My debt-to-income ratio is low by any standards looked at. My home is almost paid for and is valued at almost {$300000.00} though I only have {$30000.00} left to pay on the mortgage. I just received a XXXX percent XXXX increase on my government-backed income bringing it to {$95000.00} per year. I could liquify my assets and pay off all my debt this week should I so choose, but because, except for the XXXX percent I am paying on my mortgage, I am not paying any lender any interest at present so why should I pay off the balances owed my credit card companies ahead of time? Therefore US Bank should reconsider its position and XXXX me the credit card it solicited me to apply for repeatedly last year.
Consumer complaint received 2024-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (CT)

XXXX ) Requested verification in writing of the debt he or she is trying to collect. I asked for the original creditor. I asked for written proof of how the debt amount was calculated. This is under that Fair Debt Collection XXXX XXXX. I asked the company to cease collection of debt until its validated and the details are provided to me and should be sent certified mail. I asked for them to give me a copy of my signature, drivers license showing this is my account that I opened.
Consumer complaint received 2024-01-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I was gifted a {$100.00} gift card, from Amexgiftcard.com Ive tried using the gift card at numerous retailers, such as XXXX, XXXX, XXXX and even tried to add it to my XXXX account to send money. None of these worked and the payment is declined. 

I attempted to load {$50.00} on my XXXX account on XX/XX/XXXX - payment was declined. 
I attempted to load it in my XXXX on XX/XX/XXXX - the transaction was {$97.00} and change ( was trying to account for 3 % transaction fee ) - didnt work. 
The XXXX transaction I attempted was {$55.00} on XX/XX/XXXX. 
After that didnt work, I attempted a XXXX XXXX for {$59.00} on XX/XX/XXXX. 

The Amex website has a Help section with only a bunch of FAQs and a phone number. Ive called the number and request to be connected with a customer service agent and am put on hold indefinitely, never able to connect with anyone. 

This seems like a complete scam. I can see that the website tracks the transactions Ive tried to make because Ive seen the balance go down by about {$0.00} to account for the transaction fee from, say, XXXX. After several business days the balance returns to the full {$100.00} because the retailer rejected the payment method.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I wish to formally lodge a complaint against the Lane Bryant credit card company, also known as Commodity. Last year, I utilized their automated payment system to settle my bill. Despite having sufficient funds in my checking account, the payment was not accepted. Consequently, this situation led to a 30-day late payment notation on my credit report, significantly impacting my credit score. I am now seeking to address this issue by filing a grievance with the company. My objective is to request the removal of the negative entry or, alternatively, pursue legal action with the assistance of an attorney. 

In a recent occurrence in XXXX, I faced a similar situation when I made a payment through the automated system. Despite providing accurate information and ensuring an ample balance in my account, the payment was returned. I am inclined to believe that there are flaws in their system that require rectification. The automated payment system appears to have numerous errors, resulting in customers experiencing adverse effects on their credit standing. 

Recognizing the paramount importance of maintaining a positive credit history, I am committed to taking the necessary steps to rectify this situation. My primary aim in filing this grievance is to have the negative information expunged from my credit report. Additionally, I urge the company to conduct a thorough review and update their automated payment system to prevent similar issues from affecting other customers in the future.
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB (CA)

I made a purchase from XXXX with my Klarna Credit Card. There was a problem with the order, and the order was revised and not charged to the Klarna credit card ending in XXXX. 

A similar order with XXXX was placed with some of the items being revised and that order was charged to a different Klarna credit card ending in XXXX. I contacted Klarna after realizing the credit for card ending in XXXX was never issued. I spoke with XXXX who stated they never charged the card, and provided me with a letter stating so. I then contacted Klarna on XXXX XXXX, XXXX stating the dispute and Klarna stated they would verify and get back with me with any adjustments. On XX/XX/XXXX, Klarna emailed me with no investigation efforts, results, and stated I would need to resume payment for the charges for the card ending in XXXX. I have offered to provide the letter, and was told by Klarna that wasn't necessary, they would verify. Still no resolve. I am asking for all payments to be credited directly to me and any processing fees, and interest.
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc. (VA)

On XX/XX/23, ARS National Services contacted me by mail, expressing I owe a debt to XXXX. At the bottom of the written notice, it says " Note : See reverse side for important information. '' The reverse side of the notice is blank, except " We are required under certain federal, state, and local laws to notify consumers of certain rights. This list does not contain a complete list of the rights for consumers under federal, state or local laws. '' Under that statement, it says " XXXX XXXX XXXX XXXXXXXX ''
Consumer complaint received 2024-03-26
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (TX)

In accordance with the fair credit Reporting act Ford Mortor Credit Company/XXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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 2023-07-06
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Account Balance : {$32000.00}.
Consumer complaint received 2022-11-25
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: Credence Resource Management, LLC (CA)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Name XXXX XXXX  Date Assigned XXXX XXXX, XXXX  Original Balance {$160.00} Current Balance {$160.00} XXXX XXXX XXXX XXXX account Comments Placed for collection XXXX XXXX Collections - summary XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX DATE OF INQUIRY : XX/XX/year>
Consumer complaint received 2024-01-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MT)

Below is a list of requirements and violations of the FCRA Act and my consumer rights against National Credit Systems IncXXXX XXXX XXXX XXXXXXXX XXXX. XXXX GA XXXX Statute of Limitations in Florida Written Contracts : 5 years Oral Contracts : 4 years Request for Purchase Agreement required for validation. 

Debt Validation Requirement According to Section 809 ( b ) ( 3 ), as a consumer, I am entitled to request debt validation. You are required to provide the validation and the address of the original creditor within 30 days of such a request. 

Absence of Proof and Presumption of Nonexistence of Debt No proof has been provided to establish the debt as per the doctrine of laches and estoppel by silence ( Engleback vs. Grant, Md. 237 A2d 710 ). Consequently, I am led to presume that there is no substantiation for the alleged debt, and thus no such debt exists in reality. 

Privacy Violation and Unauthorized Reporting Under 15 U.S.C. [ section missing ], I am not recognized as owing any debt. It appears that there is a violation of my consumer rights to privacy in accordance with 15 U.S.C. 1681 ( b ). Furthermore, this company has not obtained my express oral or written consent to report any information, which is a requirement under 15 U.S.C. 1681c ( a ).

Evidence of Reporting Inaccuracies I possess photographic and video evidence of inaccuracies that have been reported and demand these to be rectified and deleted as per my legal rights. 

Infringement of 15 U.S.C. 1681b The permissible purposes of consumer reporting as outlined in 15 U.S.C. 1681b are being violated. A consumer reporting agency may only furnish a consumer report under specific circumstances as delineated in the statute and no other.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (OH)

Hard inquiries on credit report that should have been off taken thats still on my credit report old address and phone information improper use anything on my credit report should be consented or given permission by me which is stated in credit laws