davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

In XXXX I noticed an auto loan showing up on my credit report from XXXX XXXX XXXX, I have never applied for an auto loan with XXXX and it was showing as a charge off account. I filed an FTC report immediately on identitytheft.gov and sent a copy to all the major credit bureaus and a copy to the original creditor. It was removed from my credit report until it showed up again in late XXXX. I once again filed a FTC report and sent it to the credit reporting agencies. I contacted XXXX directly by mail and phone calls, they have not provided me with any proof of this loan belonging to me nor any documentation that I applied for the loan or signed for the loan.
Consumer complaint received 2023-08-24
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. (MI)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit 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
Consumer complaint received 2018-05-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Money was overdrafted on the same day resulting in - {$12.00}. Wellsfargo immediately charged an overdraft fee without giving me a chance to fix it. Upon calling and asking for a first time waive, they refused and offered me a 25 % off. When I asked them if there was anything else they can do to help, the person ( XXXX  ) I spoke with threatened to recline the offer. I had no choice but to accept it as they explained the offer was one time and wont happen again.

I have been a Well Fargo member for years and they cant even extend a one time full waive. That is extremely insulting and shows they dont really care about their customer base. {$35.00} fee might not be a lot for them, but for someone who lives paycheck to paycheck, it is a weeks worth of food.
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-10-20
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. (MN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Please rectify this matter IMMEDIATELY!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-10-13
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. (DE)

To whom it may concern, i have submitted the bureaus to remove the following information on the dates listed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and along with last sent on XX/XX/XXXX. i have yet to receive any details from all XXXX bureaus on status on these accounts below. it is effecting me an moving forward in purchasing a home. 


Creditor : XXXX XXXX XXXX XXXXReason : The 7 -year reporting period has expired on this account, Please remove XXXX EXPIRED XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This is being reported twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately Creditor : XXXX XXXX XXXX XXXX XXXX XXXXReason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This Account is not mine, Creditor does not own debt Remove from my account immediately
Consumer complaint received 2023-10-20
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)

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Subject : Urgent Action Required : Fraudulent Charges on XXXX  XXXX XXXX Account Due to Identity Theft I am writing to address a serious concern regarding fraudulent activities on my XXXX  XXXX XXXX account ending in XXXX. My identity was compromised, making me vulnerable to fraudulent charges that total an alarming {$18000.00} on the said account. 

The inclusion of this unauthorized account on my credit report has wreaked havoc on my credit score, causing undue stress and financial strain. While I am the victim of identity theft and fraud, I find myself facing the severe repercussions of these illicit actions.

Despite my persistent efforts to rectify this situation, and successfully having other fraudulent accounts removed, this particular account remains a blemish on my credit report. This ongoing oversight continues to erode my creditworthiness, unfairly penalizing me for actions I did not commit. 

I implore you to conduct an expedited review of this matter and ensure the removal of this fraudulent account from my financial records. It is crucial that my credit report is an accurate reflection of my true financial behavior. 

Thank you for your immediate attention to this pressing issue. I trust in your commitment to fairness and anticipate a swift resolution. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-10-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMT Solutions, LLC. (WA)

I have been receiving calls from XXXX XXXX for some time now and eventually got around to contacting them in order to make a payment. They informed me that I had an XXXX XXXX XXXX account go to collections and that the total due was {$750.00}. Upon receiving this information my first initial thought was to just set up payments. When I went to do so, they informed me that for each monthly payment they will be charging an additional {$10.00} processing fee for online/pay-by-phone payments. This brought up a concern as I am familiar with the FDCPA as well as the Consumer Financial Protection Bureau. " Section XXXX08 ( 1 ) of the Fair Debt Collection Practices Act ( FDCPA or Act ) prohibits debt collectors from collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The Consumer Financial Protection Bureau ( CFPB ) issues this advisory opinion to affirm that this provision prohibits debt collectors from collecting pay-to-pay or convenience fees, such as fees imposed for making a payment online or by phone, when those fees are not expressly authorized by the agreement creating the debt or expressly authorized by law. This advisory opinion also clarifies that a debt collector may also violate section 808 ( 1 ) when the debt collector collects pay-to-pay fees through a third-party payment processor. '' After speaking to a manager there, she told me that they are fully allowed to add this fee and could not provide me a legal reason that this was accurate on conjunction with the Section 808 ( 1 ) that contradicts her statements. I then told her I was going to research the issue before making any payments. 

After this occurred, it made me question if the actual amount they were attempting to collect was accurate as well. Upon reaching out to XXXX XXXX XXXX as well as referring to my account, it shows that the total amount they have past due is XXXX. With XXXX. Solutions looking to collect {$750.00}, there is a {$200.00} added amount that was not part of the original debt owed. 

For a solution, I would like for XXXX. Solutions to remove the added fees so that the account balance remains in the amount of {$540.00}. Additionally, per the attached document relating to the full Section XXXX ( XXXX ), I would like the ability to set up payments each month without the {$10.00} processing fee being charged.
Consumer complaint received 2023-10-20
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. (TN)

In accordance Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account reference number XXXX has violated my rights. 15 U.S.C 1681section 602. A. states I have the right to privacy. 15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-13
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

I have reached out to MCM- MIDLAND CREDIT MANAGEMENT, advising this purchase/rental/lease was not made by me. I stated to rep XXXX XXXX that all the rental agreement was sent through XXXX to an unknown email address I do not own nor recognize. I also requested to stop the harassing phone calls to me and family members. There is not and shipping address where these rental goods were sent and no proof that any ID was taken to verify the identity. The representative stated he could not access the account because it has a restriction and refused to provide me with an address to mail out my dispute letter.
Consumer complaint received 2023-10-20
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)

This is the second time I make this request the following two accounts I do not recognize and I suspect they are the product of identity theft, I have already inquired directly with XXXX but they have not been able to furnish me with any proof, the accounts in question are : XXXX XXXX {$2500.00} XX/XX/2019 XXXX XXXX XXXX These items were once removed from Experian and XXXX but they have put them back, I know theres a law that forbids credit bureus from doing this. I need accountability here, that is why I am filing this report. 

I am attaching a copy of a complaint I made last month.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CO)

Today, XX/XX/23 at approximately XXXX MST, I called Citi bank XXXX negotiate a settlement payoff on my account ( a closed account that was originally through a XXXX XXXX where I obtained car services. One day the dealer told me they no longer offer credit through that creditor and so the account was automatically closed leaving me with a balance due and no available credit opportunities ). The balance due is currently {$650.00} and they refused to negotiate a settlement amount with me. They said the only option was to continue with payments to avoid fees. The call is on a recorded line and should be referenced. My intention was to avoid bankruptcy, maintain/improve my credit, and to be able to pay the debt I owe to the creditor. I mentioned that we have a recent financial hardship and that due to flooding in the home, our tenants moved out and we have been struggling to pay all of our bills since the flood damage and loss of renter income. 
I asked the Citi associate if there was any other options that Citi could offer. I mentioned that I had other Citi accounts and that this one seemed like the one that I could try to pay off first to be able to get some momentum to pay off the other larger accounts. I asked for a final settlement payment of {$400.00} but was met with near silence regarding my proposal. I asked if there was another department that could help me if it was not within her authority to negotiate and she said there was no other department that could help me. 
As a consumer trying to pay off my debt vs. file for bankruptcy or be forced to use a debt consolidation company, who negotiates with creditors on borrowers behalf, I feel as though Citi was not willing to work with me, nor did they offer any viable solutions. The associate simply said that I wouldnt get fees if I paid my bill on time. Thats obvious and almost ridiculous to say as a solution. She also said that if I make my payment on time and even pay a bit more that it wouldnt be that long before I pay off the debt. After paying {$81.00} by XX/XX/23 then may minimum payment is $ XXXX which means it would take me an additional 21 months at a minimum payment to pay the debt. Citi is more comfortable with me paying $ XXXX for nearly two years vs. negotiating with me on a final payout which would allow me to pay off my other Citi accounts better ( bring them current and make consistent payments ). 
This is not very motivating for me to NOT use a debt relief company or file for bankruptcy. How can debt consolidation companies settle on consumers behalf but the consumer can not successfully achieve similar outcomes on their own?
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Markoff Law LLC (IL)

I am filing a complaint against XXXX XXXX XXXX XXXXand Markoff Law for issued citations to me that totaled {$3000.00}. Markoff Law LLC represented the XXXX XXXX XXXX for citations issued to me that the city did not ever have any proof or evidence. I was wrongfully cited and I contested all citations and requested a hearing in court. During this time, Markoff Law and the XXXX XXXX XXXX levied my entire bank account in the sum of {$14000.00} and sent a demand order to garnish my wages from my employer. Months went by requesting proof from the XXXX XXXX XXXX and Markoff law produce proof of the infraction or who the issuing officer or technician or as to how they could get a judgement against without any proof whatsoever. My visits to City Hall and the the Law Office produced no proof. Not only did they have any proof I was not properly served so I brought them back to court to request they file a nonsuit order to dismiss the prior order to collect the {$3000.00}. The pain and suffering I endured since the occurrence is indescribable.

This was the only bank account I had. It took a month to get them back to court and months to get them to release my bank account and the order to wage from my job. I had no access to my financial savings. This bank account and my paychecks were detrimental to my daily living and expenses. Since I had no access to ANY income, I could not pay any of my bills. I struggled for months to stave off creditors and tried to avoid damaging my credit report with late payments. I accrued numerous bounced checks, returned payments and numerous late fees because I had no access to my account and wages. It is one thing to seize the cited {$3000.00}, it is unjustifiable and inhumane to levy a persons entire financial account and and also go after his future wages. Not only did I incur financial losses, suffer a drop in credit score, I took PTO from work to appear at these hearings. PTO that I now can not use for vacation with my family or for emergencies or my doctors visits.

Instead paying a clerk a couple of bucks to make sure I get proper notification XXXX XXXX of Markoff proceeded to show their incompetence and abuse of power in the legal system and send my life into a tailspin. XXXX irresponsible people like this should not have this kind of power over the hard working people of XXXX.

This is an abuse of power. What happened to me is inexcusable. Markoff Law and the XXXX XXXX XXXX should have to pay twice fold what they levied from my bank as restitution.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate this accounts. Account name : XXXX : Account XXXX. It was stated everything was complete and accurate. How is this the case when in XX/XX/2022, this account was listed as being paid on time. The following month XX/XX/2022, it was listed as being 90 day delinquent. It can not be reported that I was 90 days delinquent without XXXX or 60 day prior late payments. 

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 the information is inaccurate. 

This account is not in compliance with the credit reporting guidelines. I have evidence to prove my case
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed disputes with  XXXX . They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation w ithin 30 days  or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All   XXXX   did was send me a response saying the accounts were n't reporting which they are.         XXXX   - A medical bill with an account number listed of  XXXX  and {$490.00} balance, A medical bill of {$81.00} with an account number listed of  XXXX , A medical bill with an account number listed of  XXXX  for {$57.00}, A medical bill with account number of  XXXX  for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also  XXXX   XXXX .     I also filed disputes with   XXXX   and TransUnion they have not responded to my request for proof of investigation which was over  52 days  ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with  XXXX . I am following up with this complaint in hopes that they really do an investigation this time.       XXXX   -   XXXX   XXXX   XXXX   and  XXXX   XXXX  TransUnion -   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX ,   XXXX   I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in  30 days. Tha nks.