davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (NJ)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I was told in XXXX that XXXX XXXX XXXX was going to be remove. 
Now I'm looking and I call and spoke to a XXXX he stated that my copy wasn't matching with his. And i should forward the original copy. again, I have call numerous times and still they give me the same round around.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (MS)

I have an account with  ACS Education Service.  I called and asked for the paperwork to do an income based repayment plan. I stated that I want to start paying the loan but I could n't afford the  XXXX  dollars monthly payment. I also asked about the deferment since by the definition on their website, I fall under this category. The individual was rude and told me that I 'm not on  XXXX   XXXX . I asked her to explain since this was and has. been my status for the past 10 years. She stated that I did n't qualify but of course she could put the loan in forbearance ( of course, because it accrues more interest and they always give this option instead of trying to work with me to actually get the payments to an affordable amount ). She stated she could send me the paperwork, fill it out and send it back to them. I did this, then I was told o, your application was n't accepted because that 's the wrong application. But this is the application that you sent me. I was very specific in I wanted to apply for an income based repayment plan. Then I was told to redo the paperwork. I did this. This time I was told that my tax return was illegible. How is the application legible ( which was handwritten ) but the tax return, printed directly from the tax servicing company illegible. Then AGAIN, it was reported to my credit report that I 'm past due. I keep going in circles with this company and I will reconsolidate with another company. It is ridiculous that this is the second complaint I 've had to make about this company. When I call into customer service, the agents are so rude and they either want you to pay or put it in a forbearance. They are absolutely no help. My last complaint, the agents kept telling me to call the  Dept of Education, k nowing fully that they have nothing to do with a pre-existing loan. I 've faxed my application to this company several times and as much as I follow the directions given on the paperwork and by the agent, I still get a letter saying my paperwork is denied. The only time I 've gotten anyone that actually wanted to help and took the time was individuals who called after I made the complaint. EVERY call to customer service has been rushed, rude, given misinformation/false information and made no progress in resolution to pay my student loan.
Consumer complaint received 2023-04-20
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. (MA)

I am writing to submit a dispute regarding several items on my credit report that are incorrect. On XX/XX/XXXX, I contacted Experian about these inaccuracies, but to date, I have not received a response. Therefore, I am submitting this complaint to the CFPB for further review. 
The following are the items on my credit report that I am disputing : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4700.00} ) account - The reported Balance of {$4700.00} is inaccurate, and I do not recall owing such a high amount. The account is closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I request that your bureau verifies the account, and mark it as disputed until the matter is resolved. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 
COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) account - The Balance of {$1700.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower amount. I dispute the whole account and request that you verify the Date Opened and Date of First Delinquency. 
COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ) account - The information presented on this account is inaccurate. The original creditor on this account is a distinct company than the one you indicate. The Balance of {$2400.00} is erroneous, and I dispute this account. I also request verification of the Date Opened and Date of First Delinquency. 
XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) account - This account is not mine, and I request that you remove it from my credit report. 
XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) account - The Balance of {$470.00} that you report is inaccurate, and I believe it should be a lower amount. This account is closed and charged-off, and the Past Due amount should not be presented. Please mark this account as disputed, and verify the Date Opened, Date of Status, and First Reported. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) account - The Balance of {$1900.00} is higher than the amount I remember owing. This account is closed, and the Past Due amount should not be provided. I request that you report the account as disputed while I attempt to resolve the issue with the creditor. 
XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ) account - The Balance of {$690.00} is higher than the amount I remember owing. This account is closed and charged-off, and the Past Due amount should be removed. Please mark this account as disputed until the reported data is clarified.
Consumer complaint received 2023-11-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (CA)

XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I XXXX L XXXX am writing to assert my rights under California XXXX XXXX XXXX XXXX and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section XXXX ( a ). As outlined in Section XXXX ( b ), I expect your agency to provide the required notice to me, in accordance with Section XXXX ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section XXXX ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section XXXX ( d ), to cease the sale or sharing of my personal information. As per Section XXXX ( c ) ( XXXX ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I wanted to purchase a {$700.00} gift card at XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX and the card was swapped. However, I was told the maximum is {$500.00} for a gift card and {$700.00} exceed the cap so the transaction did not go through. However I was charged {$700.00}, I disputed this amount with Chase bank, but the bank denied and told me to deal with store by myself. I reached out to the store, employees in the store told me the maximum of gift card amount purchased by credit card is {$500.00}, and the manager request my bank statement and said she would submit to the Corporation in XX/XX/XXXX, I didnt receive any feedback nor my money back. Chase still didn't refund my money. 

ASAP XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Designed Receivable Solutions, Inc. (AL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

When I added XXXX $ New money I was told by the Wells Fargo banker that that qualified me for a higher interest rate.. I was never told that I need to deposit {$25.00}, XXXX Never told!! If that were the case I could have come up with the additional funds!! But the banker told me {$22000.00} was all I needed for the higher interest rate .. now the bank is Lying to you and you are believing them!!! That is sad as you should protect the public. Wells Fargo has deceptive bank practices and you are not protecting the public from them!! I was promised additional interest with the {$22000.00} deposit as the banker promised me!! Nothing was said that a {$25000.00} deposit was needed never said!! They promised me the higher interest and I opened a new XXXX account!! Had I known they were lying to me in order to get me to open a new account I would have never opened it!! I have started to pull my funds out of this deceptive bank, now you need to do your job and stop them from promising customers higher interest and then not giving it!! Thanks
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OK)

I received an invoice from XXXX XXXX , XXXX saying I owed {$210.00} for an unpaid balance to XXXX XXXX. They did not say the date of the bill or what it was for, just the company. They immediately offered to drop the amount to {$150.00} if I called or paid it within 30 days of the invoice. I've been receiving a ton of calls recently as well that I have not answered because I didn't know the number. 

After receiving this invoice, I immediately thought it to be a scam as I have not had a XXXX  bill in I don't know how long. Actually it could be over 10 years and it was for cable. I also know that everything has been paid and I owe nothing. So I did some research online and it looks like they try to collect on things that aren't even owed. I called to let them know I didn't have bill. 

When the lady answered she immediately asked if this was, ( said my name ). I said " This is she. '' And then she said the reason I'm calling is because of a debt you are owed. This conversation is being recorded for collection purposes. I said, first of all, I called you. You didn't call me and I don't owe anything to this company. How did you get my name and this " supposed '' debt amount. She then asked for my social security number. I refused and said I don't give that out. She said I owed a bill and they are trying to collect and again asked for my social so they could verify the information and tell me what exactly it was for. I again said no. Then I said they should remove my name and number from their calling list and not to call again or I would notify the police. She then hung up on me. 

So far nothing has shown up on my credit report. Hopefully nothing will or I will be furious.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My home was foreclosed on  XXXX   XXXX ,  XXXX  by the   XXXX   XXXX   XXXX   XXXX   through Attorney-In-Fact  XXXX   XXXX ,  XXXX  an d Select Portfolio  Servicing, entities do not hold ownership of my note. This problem on my home started back in  XXXX , when  XXXX   XXXX   XXXX  illegally assumed our note from   XXXX    XXXX  to the  XXXX   XXXX   XXXX  which was closed in  XXXX .   XXXX    XXXX  went into receivership  XXXX   XXXX ,  XXXX   XXXX  purchased all the assets at that time and our note was not assigned to the   XXXX   XXXX   XXXX   XXXX   by  XXXX   XXXX , however the   XXXX   XXXX   XXXX   XXXX   is claiming ownership with  XXXX   XXXX ,  XXXX ,   XXXX   XXXX   XXXX   and Select Portfolio Servicing Subservicer. I have prepared uploaded documents called CFPB  Complaint    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , / Select Portfolio Servicing and Exhibits which explain in greater detail what has taken place.
Consumer complaint received 2023-11-17
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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 2023-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

I have been a loyal Wellsfargo customer for XXXX decades and recently became a victim of fraud while banking with this institution. I recently had " device interference '' in which my username and password were used and I was contacted by a scam artist. 
On XX/XX/XXXX at XXXX I received a call from a man claiming to be from Wellsfargo. My caller ID said Wellsfargo and he was able to send me text messages from Wellsfargo to confirm that he was legitimate. After reviewing fraudulent charges, he told me that I needed to reverse a wire to myself at which point I unknowingly transferred money to a dummy account which was not mine. I immediately contacted Wellsfargo once I realized this ( at XXXX MST ). 
It took the fraud team over FOUR hours to contact XXXX  XXXX XXXX ( the recipient bank ) and recall the wire. At which point the money was transferred and withdrawn and now my case is " no longer fraud ''. 

The wire was completed at XXXX. I reached out to Wellsfargo at XXXX. 

Wellsfargo did not request that the wire be frozen until XXXX ( this is according to their call notes ) They did not receive confirmation of the request from XXXX XXXX XXXX until the morning of XX/XX/XXXX at XXXX. 

At this point the money was gone. 

It is also at this point that Wellsfargo decided that my case was no longer fraud since I had given the person my username and password ) which is completely untrue. My account was hacked because I did not have XXXX factor authentication I find it suspicious that Wells Fargo decided that this was no longer fraud after the wire was not retrievable. 

I have contacted Wells Fargo 's call centers dozens of times only to receive a different reply and be pushed onto another representative. I feel that if this would have been acted upon with more urgency all of this would have been avoided.
Consumer complaint received 2023-11-16
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. (UT)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

I sent a validation of debt letter to this company due to checking my credit report and noticing the company is reporting collection accounts I knew nothing about. I sent a debt validation letter on XX/XX/23 and this company still refuses to validate this alleged debt.
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023, I received a notice alert on my ID Theft Protection account about a new Kohl 's card account opened under my name on XXXX XXXX. I also received a letter from Kohl 's confirming the said account and congratulating me for approval. I never applied for any Kohl 's card, never had XXXX and I rarely go to the said store. Luckily the card hasn't been used. I reported the said fraud to Kohl 's and I was told they'll close the account. I also called my ID theft Protection ( provided by XXXX card ) to report and put fraud alert on my name. I did same through XXXX credit bureaus. I also froze my credit report. There should have been an extended XXXX fraud alert on my name from last year 's incident bec same thing happened to me but XXXX denied receiving the police report. If the extended fraud monitoring was placed on my name, I believe this should have been prevented.
Consumer complaint received 2023-11-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank who holds HSN accts does not allow online viewing of statements & i do not receive them in mail from post office. Online keeps saying they are coming soon, but had been that way for XXXX  months. All i am able to see is total balance & payment due, no other info is shown such as interest charged & previous balance etc. i want to see this info
Consumer complaint received 2023-11-17
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd. (NM)

XXXX This number called Said I got a loan in 2019 and I'm going to jail. I have never got a loan in my life I paid off 2 cars that I own one bought cash other financed took 1 year to pay and I already sold vehicle as trade in. This was pure fraud asking for my social security number.
Consumer complaint received 2023-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (IN)

New collection agency old debt from gym membership that had been cancelled and company trying to collect on past due balance that did not apply. Second time complaint has been made about this same company. No written communication of debt has ever been sent just added to my credit report without notice.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (TN)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.