davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Imperial Recovery Consultants, LLC (MI)

IRC Services have contacted my elderly parents in regards to me many times by telephone. This is a violation and we would like for this communication to stop asap. We both have communicated this with them. 
They are harassing my sick elderly parents by constantly calling their home and cell phones. I am a grown adult and my parents called me in a panic thinking I was in legal trouble stating that I needed to call this number asap ( XXXX ). They stated to my parents that they were a legal firm in my county and wanted to speak about a pending case. When my dad began asking questions the representative was very rude unprofessional and hung up in his face. So I called back. 
When I called I spoke to a different representative with the same result. She hung up right in my face. With a nasty attitude I was told that there was a pending case against me in district court and she wanted to clear it up. Then she stated somethings about an old cash advance. I said first things first, you are clearly a collection agency and you need to stop harassing me and my parents. She then stated that I should be happy because that was just a courtesy call because I am about to get sued. No mam you all are about to get sued!!! I know my rights and the law and I hope these calls are recorded for MY proof. She stated that they sent letters to my home address and I didn't respond so that is why they contacted my dad even calling his personal cell phone. She knew my email address along with my home address so I'm confused as to why they kept contacting my parents phones stresessing them out. These tactics they are trying to use are unaccepable and I hope something is done about this. See you in court IRC!!!!!
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NCC Business Services, Inc. (VA)

NCC Business Services has failed to validate or send proof of contracts that I have with them. I have never entered in or had a contract with NCC Business Services. I do not owe no debt to this company. They are a collection. I never had a contract with NCC Business services for the said debt of {$1200.00}. If NCC Business Services does not send a copy of this contract within 30 days the only resolutio I will accept is delete the said debt from all credit reporting agencies. As it is a fraudulent account.
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I have paid this debt to the original creditors in full. I never had a contract with NCC Business Services. I included a receipt to show I have paid this debt to the original creditors on  XXXX / XXXX /2016 in the amount of {$1200.00}.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
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. (IN)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DigniFi (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-19
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. (IL)

Upon reviewing my credit report, I noticed an error in one of the accounts XXXX  XXXX. It indicates two late payments, but I made those payments on time. It's crucial that consumer reporting agencies maintain accurate information. These discrepancies occurred in XXXX and XXXX of XXXX. I kindly request an investigation into this matter and ask that you promptly update the payments to reflect them as paid on time. Thank you for addressing this issue promptly.
Consumer complaint received 2023-11-08
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. (IL)

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.

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 2024-04-19
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. (TX)

You are reporting an account that isn't mine on my credit report. I received correspondence from XXXX naming another individual as the primary owner of the account XXXX ( see attached document ). Furthermore, I have no recollection of having a business relationship with XXXX. There are many FCRA violations and for that reason I am requesting the deletion of the account on my credit report. My name is XXXX XXXX and the letter is addressed to a person named XXXX XXXX. This is negligence on the credit bureau 's behalf. I have tried to get this remedied for some time now. I have proof of all correspondence and if this is not removed from my credit report within 7 days I will move forward with legal action. Please see the attached affidavit and correspondence naming someone else as the primary owner of the account.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I put XXXX into the ATM at Bank of America XX/XX/2023 XXXX XXXX XXXX FL, they allow me to know that they apologize for the inconvenience, And was not able to process my request and did not return my Money item ( s )
Consumer complaint received 2018-01-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (AR)

In XX/XX/, I retrieved a copy of my credit report. I noticed that the XXXX XXXX  XXXXNelnet was reflecting that I was 90, 120, and 120 days late respectively for the months of XXXX through XX/XX/. I immediately began the dispute process with the credit bureaus. The responses were that these accounts were verified as accurate. To that end, I reached out to the Office of Consumer Advocate for student loans ( see attached letter ). My primary concern is that for all of these accounts in XXXX of XX/XX/XXXX, I was ok with my payment history, yet in XX/XX/ ( 30 days later ), they reported that I was 90 days late. How so? 

In my communication to Nelnet, I specifically stated that I keep all of my records regarding student loans and I take full responsibility of my obligations ; however, I would like them to investigate their reporting for a mistake made on their end. Further, I requested that they provide me copies of all supporting documentation that substantiates the accuracy of their reporting. To date, to no avail. It has been well over 60 days from my initial request to them and I am yet to hear anything from them. I sent my dispute/request for investigation letter to them certified with a return receipt, yet I have not received any acknowledgement from them. The entries are not inaccurate and appear to be unverifiable given that I have not heard from them ; therefore, I am requesting that the status of my payment history reflect that I was ok and current for the months of XXXX, XXXX and XX/XX/.
Consumer complaint received 2023-09-25
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. (TN)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies didn't make sure it was 100 percent correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 percent accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps the agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

I am writing to file a formal complaint against Wells Fargo Bank regarding an unresolved issue involving an ATM deposit error that occurred on XX/XX/2024. Despite my efforts to resolve this matter directly with the bank, I have not received a satisfactory resolution. 

On XX/XX/2024, at approximately XXXX XXXX, I sent my son to the Wells Fargo branch located at [ XXXX XXXX XXXX XXXX XXXX NC ] to deposit {$7100.00} in cash into my account he deposited via the ATM. The machine processed {$600.00} at a time, returning the remaining cash each time, and he continued to reinsert the funds. The machine successfully deposited a total of {$3000.00} in five increments of {$600.00} each. Additionally, it deposited {$480.00} and printed receipts for these transactions, totaling {$3400.00} deposited. 

However, when he attempted to deposit the remaining {$3600.00}, the machine accepted the cash but neither printed a receipt, returned the money, nor credited my account. We immediately reported the issue to the branchs customer service, who advised me to contact Wells Fargos customer service hotline. A temporary credit of {$3600.00} was issued to my account while the bank investigated the matter. 

Unfortunately, on XX/XX/2024, Wells Fargo reversed the temporary credit, leaving my account overdrawn and asserting that their investigation found no errors with the ATM. Despite my multiple attempts to resolve this matter directly with Wells Fargo, including speaking with their ATM service department and submitting a formal dispute, I have not been able to recover the missing {$3600.00}. 

I have enclosed copies of all relevant documentation, including ATM receipts showing the successful deposits, my bank statement reflecting the temporary credit and subsequent reversal, and records of my communications with Wells Fargo. 

I kindly request the CFPBs assistance in resolving this matter. Specifically, I am seeking a thorough review and rectification of the discrepancy, including : XXXX. A re-examination of the ATM transaction logs and cash reconciliation reports for XX/XX/2024. 
XXXX. A review of any available security footage from the ATM. 
XXXX. A detailed explanation from Wells Fargo regarding the investigation process and findings. 

Thank you for your time and attention to this matter. I hope that with your intervention, this issue can be resolved promptly and fairly.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (PA)

In accordance with the fair credit reporting Act Discover Card has violated my rights under 15USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may it treat a payment in a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

As a consumer I applied for an open end consumer credit plan, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was granted by said credit furnisher to use the said credit card on an open end consumer credit plan. XXXX XXXX has willfully violated federal law : 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Has not adopted reasonable procedures designed to ensure periodic statements were received via Postal mail. But yet are reporting every single month for the past 3 years of an alleged debt in default on an open end consumer credit plan. I XXXX XXXX and aggrieved consumer whose rights were violated and asking for immediate rectification.
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MA)

I have borrowed approx. XXXX student loan over my college and after XXXX  ends, I was ready to repay all of it in a lump sum payment. The payment was first made through aidvantage on XX/XX/XXXX where I carefully entered my XXXX  account. The amount of payment is XXXX, which at that time is the whole amount including interest. I received a email from aidvantage right after that the payment is confirmed. However, I was surprised when I find out about a month later that my payments are still accumulating and the overall did not lower a bit. I thought it might be a mistake so I tried again. This time I entered a {$25000.00} payment on XX/XX/XXXX, believing that it should significantly lower my account total. This time I doubled checked the bank account that I entered and made sure there was no mistake. The same thing happened, i received a email confirmation but the next day when I check back the balance was still there. Account history said both payment are reversed, however, no reason was provided for the reversal. I called my bank XXXX XXXX XXXX  and asked whether the amounts are ever posted and they told me no, and I called Aidvantage and found out nothing new other than what I already know. The customer service is not helpful at all and could not provide the exact reason that my payment was reversed, despite I have the right information. After I looked online, I found numerous cases of similar issue reported from all over the states. And no one have had a clear solution from aidvantage. I now highly suspect that the agency is making lump sum payments difficult, with the intention to collect more interest to benefit themselves
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I had made a purchase on my Lowes credit card from Synchrony on XX/XX/XXXX and setup auto payment for the same for full statement balance, on XX/XX/XXXX I get a message from the card that there is a late fee on the card for failure to pay. I go back and check the payment had failed on XX/XX/XXXX and they didnt reach out to let me know, I make the payment and reach out to customer care to confirm the same and ask them to remove the interest charges as it was an error on the credit card 's end. The customer care was extremely unhelpful and didnt fix the issue, and now they reported me as delinquent on the bureau for the junk fees that they have been charging on my card. The extent of the fees accumulated which include : interest, late fees, minimum interest charges now amounts to {$35.00}. None of this amount is from purchases, when I reached out them, asking for the explanation they are refusing to take my dispute and offering to remove the " late fee charges '' if I pay {$20.00}. This is atrocious and to think they will ruin my credit score as well for this being reported as a past due on my card. I need both these charges as well as the delinquency removed from my report. When I reached out to the customer care, they are calling it a collection call and only asking if I will pay in the chat overand over without making any attempts to resolving the issue
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with Federal Credit reporting Act, these Creditors violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code Section 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (MA)

I called Penncredit.com about a debt they are claiming that I owe. The two women that I spoke to were extremely rude and tried to interrogate me as if that was their job they are far from an attorney. And even with an attorney there is limits. They try to tell me that I did not need to file an dispute that I either was going to pay or I was and obviously I'm not going to pay something and that I do not owe. She would not accept the fact that I would dispute it so I asked to talk to her supervisor or that I would hang up on her and call back she transferred me to someone that was surprisingly even more rude than she was and yet this woman calls herself a supervisor. She also tried to give me the third degree which she crossed the line as they're only supposed to legally tell me that there is a debt and if I want to dispute it or pay for it. Not give me the third degree I told her that I dispute it she wanted to know why which is also not up to her to ask she is just there too process the paperwork I told her that I wanted paperwork to show that I actually I went and she told me that she wasn't going to send it that I only was supposed to pay it or not pay it The letter states that there is an option to ask for a dispute on there or to dispute the amount