davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC (IL)

In XX/XX/XXXX I filed complaint number XXXX regarding the creditor filing with 2 collection agencies at the same time. Attached is the original complaint with attachments, the response from the debt collector and my feedback in XXXX of XXXX. 

As of XX/XX/XXXX NOTHING has been resolved.-my credit report is still showing this debt being reported to 2 agencies at the same time. Please see the information in the " my feedback '' section of complaint XXXX for the detail on this ( copy attached along with the updated reports from XX/XX/XXXX ). This is completely illegal and fraudulent and Wakefield is doing nothing to resove this matter.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX of this year XXXX full my balance off at America Express of {$1800.00} Check was date XXXX. As of today XXXX the balance is still showing on my credit report with XXXX. I have spoke with XXXX several times and each time I am told they will remove it. It still has not been removed.This is ridiculous we are going on three months now. I have proof that is had been paid and I want it off my credit report
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (FL)

I am not liable for this debt with none of these creditor and do not have a contract with collection agencies. They did not provide me with the original application like i asked and they keep sending me automated responses
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VT)

I applied for a mortgage through a local lender and they brought to my attention that my student loans are reported to Equifax as in collections by XXXX even though they have been in good standing for over three years and the collections issue has long been resolved.

This issue has not only been negatively impacting my credit score and my consumer credit report for over three years but it has also prevented me from being able to purchase a home and take out other forms of credit, it has incorrectly increased my debt-to-income ratio and has caused significant financial hardship due to XXXX 's negligence in properly reporting my student loan status. I have attempted to contact XXXX to get this issue resolved as the mortgage loan process can not go forward until this issue is FIXED BY XXXX and it is impossible to get through to a person in their company. I have attempted to call three times in three days and it is always at least a 90 minute wait if they answer at all. I have yet to actually speak to a person at this company. 

My loans were transferred to XXXX from XXXX XXXX and they are by far the worst student loan servicing company in existence. Why would they take on these additional loans from another servicer if they clearly did not have the capacity to actually service them and provide any semblance of customer service support? I will be seeking legal counsel if XXXX is unable or unwilling to fix this issue that they created.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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 XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX DESTINY Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and 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 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (AZ)

I made a payment of $ XXXX from my business account on my card. 

Unknown to me, Cardmember Services tried to verify the account the payment came from, which was XXXX. Since they couldn't verify it, they closed my account. 

I called on XX/XX/23 to inquire about my account and was instructed to fax over bank statements corresponding to the payment. I did so and checked back over a week later and was told they never received them. 

When I mentioned to the rep I spoke with that it was a business account I paid from, she instructed me to fax over a different set of documents, which I did. 

When I followed back up, and finally got a supervisor on the line, she said there was no point in sending in the documents because my account had been closed since XXXX. She then told me it was my fault for not contacting them sooner.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to the TRUTH IN LENDING ACT ( TILA ) 15 U.S. Code 1637 ( b ) ( 2 ) ( a ), It is a fact, I the consumer am aware, and there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the company listed below that i have received at the consummation of the transaction. I am formally giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666 ( b ) ( 2 ). I the consumer am aware that documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of accounts, financial and corporate records which involves all derives, assignees, hypothecations in connection with my all caps name. I demand to see verifiable proof of an original consumer contract with my wet signature on it that you have on file for the accounts listed below. I require this clarification in order to address the billing error for the accounts listed below.

I demand that the following accounts be removed immediately : 15 U.S Code 1637 ( bX2 ) ( a ) 15 U.S. Code 1666 ( b ) ( 2 ) 15 U.S. Code 44 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO BANK THE TAKE OVER DEPARTMENT HAS LITERALLY TAKEN OVER MY ACCOUNT BECAUSE THEY BELIEVE IT IS NOT ME WHO CALLS EVERY SINGLE DAY AND REQUEST SOMEONE OF HIGHER AUTHORITY OR MANAGEMENT TO CALL ME. IT ALL STARTED WITH A BLOCK ON MY CARD OVER A MONTH IN A HALF AGO AT XXXX FOR XXXX DOLLARS AND CHANGE. I SPOKE WITH THE REP AND SHE HELPED ME AND XXXX HAVE THE TRASCATION GO THROUGH, I SHOWED MY ID TO THE CASHIER AT XXXX WITH THE REP FROM WELLS FARGO ON THE PHONE, THE TRASCATION WENT THROUGH AND EVERYTHING WAS FINE. 3 DAYS LATER I WAS NOT ABLE TO ACCESS MY ACCOUNT ONLINE OR USE MY ATM. I HAVE A XXXX XXXX AND XXXX XXXX AND I HAVE BEEN IN AND OUT OF THE HOSPITAL I AM NOT ABLE TO WALK AT ALL. I INFORMED THEM OF ALL THIS. THE MONEY IN MY ACCOUNT IS REPETATIVE FOR XXXX DELIVERIES, MEDICATIONS MY DAUGHTER BLESS HER HEART DEPOSITS A COUPLE OF HUNDREDS OF DOLLARS TO HELP. THANK GOODNESS I NEVER CHANGED MY SSI BENEFITS FROM XXXX TO WELLS IMAGINE I WOULD BE OUT IN THE STREET WITHOUT BEING ABLE TO PAY MY BILLS. THIS IS HARRASMENT AND ELDERLY ABUSE. I DONT WRITE CHECKS I DONT USE IT TO MAKE BIG PURCHASES ITS BASIC AND THE SAME OVER AND OVER. I VERIFIY THE INFORMATION OVER THE PHONE EVERY TIME AND THEY TELL ME STEP INTO A BRANCH OR CALL BACK 24 TO 48 HOURS AND SEE WHAT WE CAN DO. I HAVE REQUESTED SERVERAL TIMES AND I KNOW IT IS ALWSYS ON A RECOREDED LINE SO THERE IS PROOF THAT I HAVE REQEUSTED TO SPEAK TO HIGHER MANAGEMENT TO FIND A RESOLUTION. IT IS APPARENTLY OBVIOUS THAT THEY CAN CARE LESS THAT I USE THOSE FUNDS FOR BASIC HUMAN NEEDS AND THAT I HAVE HEALTH ISSUES THAT I AM NOT ABLE TO GO TO THE BRANCH. PLEASE HELP WITH THIS ISSUE I AM AN ELDERLY WOMAN WHO LIVES OFF THE HELP OF MY DAUGHTER FROM THAT ACCOUNT AND MY SSI BENESFITS AT XXXX. I ONLY WANT AT THIS POINT TO WITHDRAW MY FUNDS AND CLOSE THE ACCOUNT WITH WELLS AS THIS IS NOT THE TYPE OF BANKING INSTITUTION, I WANT TO HAVE THE LITTLE BIT OF FUNDS I RECEIVE FROM MY DAUGHTER. THANK YOU,
Consumer complaint received 2023-09-22
Product: Credit card — Store credit 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: Radius Global Solutions LLC (KS)

I, XXXX XXXX, did not make a purchase nor receive any goods on this account and dispute this debt. I have called and tried to resolve this with XXXX and they expressed they gave me XXXX information for now 9 months and now 9 months later tell me when the debt is with a collection agency that they have a proof of delivery which is absolutely impossible as there was no delivery of any products or any purchase from myself and no one has access to my information at this time or ever. This was fraud and I reported it as such as soon as possible and tried on so many different dates and occasions to resolve this. I want this account closed and this off my credit.
Consumer complaint received 2023-10-30
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: TRUIST FINANCIAL CORPORATION (TN)

I have a Visa credit card through Truist bank which I have had for well over 20 years starting with SunTrust who was recently acquired by Truist. I had fraudulent charges occur on XXXX & XX/XX/2023 which we reported as fraudulent immediately. I received a email from Truist with a case # XXXX instructing me that these charges would be removed and to make the minimal payment for future charges. We always pay the complete balance owed for monthly receipts charged on the card. I have been told by supervisor XXXX XXXX back in XXXX that her goal deadline was 2 weeks after hearing no reply from her I contacted my local branch manager XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  reached back out to our business and told us the same thing they are looking into it. I again called a supervisor on XX/XX/2023 XXXX XXXX she explained she was going to escalate the claim and contact me back in 48 hours which never happened. Once again we have reached out to a supervisor XXXX XXXX on the XXXX of this month XXXX to be told yet again that charges were being investigated and she would once again put in another request for escalation for review. The whole time they are doing these supposed reviews I am being charged processing fees and interest fees on the fraudulent charges in question. XXXX did admit that this was not normal practice. Please assist us as we are a XXXX XXXX XXXX business which needs help resolving this. I have full documentation as well as dates and time lines to corroborate any statements listed above Thanks, XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-30
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. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc. (CA)

inaccurate information report on my credit and needs to be removed immediately sections of high credit, charge off, comments, date last active, account type details is inaccurate and unauthorized under my consent and needs to be removed off my credit report.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am requesting that the following inaccurate and Fraudulent items be immediately investigated and Deleted. This misleading information in order to show my true credit history. I demand that the following items be re-verified and deleted from my record in the next 4 days I have attached the FTC report along with my SSI and Driver 's License. 

This item do not belong to me. 

Company Name : XXXX XXXXXXXX XXXX  Date : XX/XX/2022 ( Collection ) Address : XXXX XXXX XXXX City : XXXX XXXX : XXXX Zip : XXXX
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OR)

Aidvantage took over servicing my student loan ( from XXXX XXXX XXXX XXXX ) earlier this year. 
Several months later, I was notified that payments would resume in XXXX. 
I created a login with Aidvantage and tried to review the amount of my upcoming payment. For months there was no information online, but finally the payment information populated. It was similar to what it had been before the Covid pause. I dont recall the exact amount, but it was somewhere in the vicinity of $ XXXX {$80.00}. I saw there was an option to inquire online about IDRs ( Income-Driven-Repayment Plans ). I looked into it ( Aidvantage asked me to answer a few questions ). Aidvantage said they would review and let me know what my options were. I didnt hear anything for weeks ; then, just a week or so before my first payment was scheduled to be withdrawn from my account, Aidvantage emailed me and said my IDR had been approved. 
Keep in mind I had never said I wanted an IDR, or given permission to anyone to implement one ; I had simply inquired into how much lower my payment would be if I did that. 
I logged in to see what changed, and saw my payment had more than quadrupled to nearly {$400.00}. Why Aidvantage would think I would want to use an IDR to raise my payment I have no idea. 
I immediately tried to cancel, but the website said I had to call or email them. 
I tried calling- on hold endlessly, no answer. I tried calling again, later. Same thing. I tried submitting an email through their website ( only other way of contacting them ) ; I was told I would get a response within two days. Nothing. I sent another. A week went by. Nothing. The large payment was taken out of my bank account. Still nothing. I tried calling again. Still placed on hold indefinitely. I emailed again. Nothing. 

It has now been over a month, and I have received no response whatsoever from anyone at Aidvantage. And certainly no explanation for why they raised my payment without my permission.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Net Pay Advance, Inc. (KS)

Line of Credit Loan taken out in XX/XX/2023 ; payments and interest rates not stated clearly. After making over {$3000.00} in payments, only {$170.00} had actually gone to paying the principal amount. That is over 300 % interest rate. Each payment made was hundreds of dollars, which is predatory and unreasonable. When I wasn't able to make a payment, choosing between basic living necessities over a {$980.00} payment, I was threatened via text message by a woman named XXXX who stated, " Please be advised that the payment will be attempted at any time without notice, it's best to set something up... '' I tired to resolve the issue and come to an agreement of a payoff amount that doesn't involve more occurring interest at over 300 %, but was told they wouldn't accept anything less than what was owed plus interest. Excluding the interest, the principal amount borrowed has already been paid back.