davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (TN)

PHH Mortgage has held our funds transferred from our bank account for more than 2 weeks now in a " suspense account '' and has not used them to pay off the mortgage as intended. We have called on multiple occasions and we receive different answers each time. The last few times we have been promised that the funds would be applied to our mortage the next day, but this has not occurred.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/ I was contacted by the Wells Fargo fraud phone number and someone either posed as an employee of Wells Fargo or was an actual Wells Fargo employee. They knew of the fraud activity that had been occurring on my account since XXXX XXXX  and gave me names of two people in XXXX GA that were attempting to access XXXX from my business account. They asked if I knew them and I responded no. I was then told that they were the same people who had been doing fraudulent transactions on my account and that they knew where they were and that they would be able to get them arrested. I was told that a special fraud agent was now in charge of my fraudulent activity and would be able to have them arrested. I was instructed that I had to repeat in the same increments the amounts that they were trying to access. I unfortunately believed this because of all of the fraudulent activity on my account and all the times I had recently spoken to this department. I did as I was instructed and I have never made a wire transfer ever so this should have appeared suspicious to Wells Fargo and I should have received a suspicious activity alert which I didnt. I reported all of this on XX/XX/. The XXXX transfers were credited back the next day after receiving Wells Fargos response they had listed that the wire transfer case was started on XX/XX/2023 this is inaccurate. It makes no sense that I would open a fraud case on the XXXX transfers on XX/XX/2023 and not also opened the wire transfer case on the same day. This was all from the same fraudulent activity and I opened all three cases on XX/XX/2023. I have requested all information including employee notes that was used to investigate the wire transfer because this appears as negligence on Wells Fargos part or employee negligence that all three were not opened the date I reported them on XX/XX/2023. I Requested information used to investigate my case and was denied. I am requesting the information again due to the date being wrong on my case and the obvious mishandling of the case which had it been handled when the case was opened on XX/XX/2023 when I was given a case number the fraudulent wire transfer could have been stopped as it was not scheduled to go out until XX/XX/2023. Instead they are claiming it was opened on XX/XX/2023 which is false. I am not even being provided with the receiving financial institution which prohibits my ability to have the scammer who presented themselves as a Wells Fargo employee from being criminally charged.
Consumer complaint received 2023-12-29
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 (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX IS A consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " Discover, XXXX XXXX, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " Discover, XXXX XXXX are financial institutions and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, ( Discover, XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Discover, XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MO)

Discover is reporting a balance on my account when the information is inaccurate. I received a 1099c for the balance and would like for my account to reflect accurately according to the FCRA and FCDPA. Please update my account to XXXX based upon what was reported to the IRS. Please update my records accordingly. The information is on the copy of the 1099c.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 2022-11-27
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. (NC)

I have submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 XXXX, XXXX XXXX and Equifax. 
XX/XX/2XXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX
Consumer complaint received 2023-12-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Accounts & Advisers, Inc. (MN)

AMERICAN ACCOUNTS ADVISORS INC contacted me several times in XXXX regarding an unpaid medical bill. I explained that I did not owe the bill because I had insurance. I faxed and mailed them a copy of my insurance provider 's information ( card ). I also returned their bill, having written on the bill that I did not owe the bill. 

AMERICAN ACCOUNTS ADVISORS INC falsely wrote in their notes more than once that I hung up on them without providing/offering to provide my insurer 's information. They apparently never resubmitted the billing to the insurer. AMERICAN ACCOUNTS ADVISORS INC placed the bill on my credit reports in the amount of {$780.00}. I have disputed the bill with the credit reporting agencies but AMERICAN ACCOUNTS ADVISORS INC refused to allow it to be removed. 

On XX/XX/XXXXXXXX  I spoke with XXXX XXXX and his supervisor XXXX XXXX. XXXX XXXX stated it is too late to submit the bill now and refused to allow the false information to be removed. I am asking for your agency 's help in having AMERICAN ACCOUNTS ADVISORS INC remove the false information from my credit reports.
Consumer complaint received 2023-12-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I received an American Express Gift card in 2023 for {$100.00}. 
I was able to use it once on XXXX for a small purchase but it has been declined since. 
The balance on the card is {$83.00}. 

I did contact the company and they we going to send me a check. I have received no response. 

Bottom line is I have a useless gift card that can not be used even though it has a balance. I have spent hours on the phone trying to get help from American Express.
Consumer complaint received 2023-12-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (RI)

I received American Express gift cards in the total amount of {$200.00} ( XXXX cards at {$100.00} each ) and they get declined at 95 % of the establishments I try to use them at. American Express only offers keep trying them at other places until they work as their remedy. It says on the website and on the card that these should be accepted anywhere that accepts American Express but that clearly isnt true.
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (GA)

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 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 2023-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GB Collects, LLC (CA)

GB Collects XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Received a debt collection notice in early XX/XX/2023 for XXXX XXXX for {$130.00} with an invoice date of XX/XX/2023. Immediately disputed the validity of the claim on XX/XX/XXXX. Was called by the agent XX/XX/XXXX and asked for validity and proof. 

Received debt collection notice again in XX/XX/2023 with no verification or validation or debt. Responded in XX/XX/2023 immediately asking for verification. 

Received a debt collection notice in early XX/XX/2023. 

No debt verification has been provided after multiple requests.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I have tried to redirect the additional money I send in monthly to specified loan amounts which is an option on the website. I have gotten an error message on several attempts on different days and have called Nelnet to correct this issue. The service rep was not able to do this during the call, but only submit a request and expect that someone will update this and send me confirmation. The rep is also unable to redirect my additional payment upon request. There is not a dept for online issues and no one else to be directed to. I am actually unable to access my account to send any documentation or screen shots as I write this complaint. I believe this system to be faulty and also believe the website to be misleading in how it recommends payments to be directed.
Consumer complaint received 2024-04-16
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} - tied up DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I have sent out dispute letters over and over again since the begining of this year, in XXXX The laws states that I have the rights to a fair and correct reporting. I need these accounts to be deleted now. I have not given my permisson for anyone to share my info or to put anything on my credit without my written permission. 

XXXX ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX account # XXXX
Consumer complaint received 2024-04-16
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. (NC)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

This complaint is regarding the student loan XXXX   XXXX After sending dispute letters to Transunion and XXXX , it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (PA)

I am in need of help because I was sued for a debt I was unaware of, I was never served any papers or asked for a signature to validate the debt. I have been harassed by debt collector who continues to report a debt I have no knowledge of, sort of any nature. The debt collector has been removed from other agencies but continues to reappear on my transunion report due to no knowledge of holding such debt. 

I have looked up this law 15 USC 1692 which is the FDCPA in section 1692 it says A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

CROWN ASSET MANAGEMENT communicated with me regarding an alleged debt. I informed them I refuse to pay and I wish they stop communicating with me. CROWN ASSET MANAGEMENT failed to cease communication, instead, they have committed identity theft and provided my personal and private non public information to a non interested 3rd party.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing my recent credit report, I discovered unauthorized credit inquiries made by the following companies : XXXX XX/XX/2023, XXXX XXXX XXXXXX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXXXXXX XXXX 
I did not authorize any individuals associated with these companies to access my credit report. This constitutes a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious infringement of my privacy rights. 

I request that you verify this information with the respective companies and provide me with copies of any documentation associated with these inquiries bearing my signature authorizing them. If no such documentation bearing my signature is found, I formally demand that these fraudulent inquiries be promptly removed from the credit file linked to my Social Security number.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/24, I called Experian and initiated a dispute over the phone with a representative about inaccuracies on the personal information section of my report pertaining to my name and address. I pointed out inaccuracies shown on the report in the various name variations that they had on file for me and asked them to delete them all and just leave the correct one which is XXXX XXXX XXXX. I also disputed XXXX incorrect addresses that they had on file for me for XXXX, XXXX  and asked them to delete those XXXX because they were incorrect and to just keep my current mailing address that is listed on file which is XXXX XXXX XXXX, XXXX, XXXX XXXX. Well I got the results back from this dispute within a few hours and they have completely butchered my name intentionally XXXX different times on my credit report. Instead of deleting this inaccurate information and leaving the correct XXXX as I described above they updated all XXXX to reflect the following variations XXXX XXXX XXXX XXXX XXXX DIFFERENT TIMES! 

Also instead of deleting the XXXX inaccurate and out of date addresses listed that I requested to be deleted they still remain as follows : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (GA)

American Express keeps trying to contact me all hours of the day mostly very early am. It upsets me because they use numbers to where I have close family or friends or where my kids are in college and it scares me and I answer and there is always a delayed response which scares me to find out it is them. Why don't they have to call on XXXX # and it identifies the company name? Should be mandatory!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Receivable Management Services LLC (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately :