davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (WA)

I am extremely upset and disheartened with the blatant mistake from your company. This all started when one of your representatives accidentally charged me for double my minimum payment. I immediately caught the mistake and I called in. The Barclays representative told me that I have to wait until it posts and then I have to ask my bank to return payment. She assured me many times that this is normal procedure and the only way to correct her mistake. I then did what she said and I had my bank return the payment. I then paid the minimum payment. This incident snowballed, and resulted in a chain of mishaps from Barclays representatives from there. Every time I would call them to fix it I would get a different answer. Every time I spoke with someone they said they were sorry and they would fix the problem and then didnt. The next thing I know I had a missed payment reported to the credit bureau. I have worked so hard in the last 15 years to keep my credit score up and to not miss a single payment. I have had a 100 % payment history for the last decade and now I have a missed payment and 99 % payment history. This is devastating to me and this is not something I deserve especially as a long-term client who has always made my payments on time. 

Since this incident, I have put my card back on repeat payments to make sure this does not happen again, but I believe it is owed to me to have this red mark on my credit removed.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2023, I was notified by XXXX XXXX that a check made payable to my company was cashed. I never received or cashed the check, and the endorsement on the back of the check image doesnt resemble my signature at all. Plus, that check was never deposited into my account. 

When I went to Wells Fargo Bank to find out which bank cashed/deposited the check, they wouldnt help me.
Consumer complaint received 2024-05-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. Collections West, Inc. (AZ)

XXXX XXXX collections we XXXX I was transferred to a guy in charge of my collections. My collections are old XXXX years and XXXX XXXX XXXX. They have fallen off my account. This place ran my credit 3 times without my permission. I asked the guy why he ran it he said he can without my permission he told me to get an attorney if I didn't like that. He said he would not remove all 3 inquiry and started verbally abusive yelling telling me other things not related to my inquire that if I'm mad because I don't have money that he can sue me, etc. This is the second time I speak to this same person. After the call I see another hard inquire he ran my credit after the call. I reported his conversation and fraudulent actions.
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

am sending this complain on something on my credit report that is in accurate and that I did not authorize. in accordance with the fear credit report acts this creditor have violated my rights, under 15 usc-1681 section 602 I have the right to privacy. 15 usc 1681 section 6042 section 2, it also states that the consumer reports agency can not furniture account without my written instructions. Under 15 USC 1666b a creditor, may not treat a payment on a credit accounts, under and open end a 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-05
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: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-02
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)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I experienced a glitch in NMACs billing process that came within one day of repossession of my leased vehicle. 
In short, they failed to communicate with me from the day I leased the vehicle until the repossession demand was already dispatched. In essence, they expected me to investigate how to begin lease payments on my own. 
I leased a vehicle on XX/XX/2024. Even though they had my mailing address, my phone number, and my email address, I received no correspondence or communication from NMAC until XX/XX/XXXX, at which point they had already moved to repossess the vehicle. I paid the amount due immediately, narrowly avoiding repossession. 
The agent I spoke with defended the practice of using only anonymous robocalls until the repossession demand was triggered. 
Ive sent a letter ( attached ) asking for an explanation and an apology, with no response.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NJ)

We both know that Charge Offs/ Write Offs should not be reported on a credit report this is considered ordinary income and the companies filed these with the IRS and the companies fair to take the proper steps by sending me a 1099c and they should be removed from my report permanently as it is a violation of 15 U.S.C 1681
Consumer complaint received 2023-12-05
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. (NJ)

Pursuant to the matter concerning the accounts associated with XXXX XXXX XXXX, denoted by account numbers [ XXXX ... ], [ XXXX ... ], [ XXXX ... ], this communication serves as a formal notice of dispute, invoking the provisions delineated under 15 U.S. Code 1692g - Validation of Debts. This federal statute mandates specific protocols for debt collectors, and I assert that its violations are evident in the handling of the aforementioned accounts. 
* Contravention of Notice Requirements ( 15 U.S. Code 1692g ( a ) ) : * XXXX XXXX XXXX failed to provide the requisite written notice within XXXX days following the initial communication with a consumer regarding the collection of the debts in question. 
* The statutory provisions necessitate the inclusion of certain information in the initial communication, and the absence of such information requires a subsequent written notice. However, this procedural safeguard was not adhered to, infringing upon the rights accorded to consumers. 
* Debt Validation and Dispute Process ( 15 U.S. Code 1692g ( a ) - ( b ) ) : * The consumer, exercising rights under 15 U.S. Code 1692g ( a ) ( 3 ), hereby disputes the validity of the debts referenced. This dispute triggers the obligation for XXXX XXXX XXXX  to cease collection activities until proper validation is obtained. 
* It is imperative that XXXX XXXX XXXX  furnish verification of the debts, copies of judgments, or, if requested, the name and address of the original creditor within the thirty-day period specified. The cessation of collection activities during this interval is mandated by statute. 
* Preservation of Consumer Rights ( 15 U.S. Code 1692g ( b ) - ( c ) ) : * The failure of the consumer to dispute the validity of the debts within the prescribed period should not be construed as an admission of liability. This statutory protection is fundamental in preserving the rights of the consumer in legal proceedings. 
In light of the foregoing, I demand that XXXX XXXX XXXX rectify these violations promptly and adhere to the stipulations set forth in 15 U.S. Code 1692g. Failure to do so may result in legal consequences and further action to uphold consumer rights. 
Kindly acknowledge the receipt of this communication within XXXX XXXX and provide a comprehensive written response outlining the actions XXXX XXXX XXXX intends to undertake to rectify these concerns and effect a lawful resolution. 
Your prompt attention to this matter is expected, and I anticipate a resolution that aligns with the statutory provisions safeguarding consumer rights.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

An Unauthorized ACH transfer of {$40000.00} was taken from my business account at Bank of America on Wednesday XX/XX/year>. The details of the fraudulent transfer will be attached in documents below. There was a fraudulent payment taken for an investment firm that neither I ( nor my business ) have an account with. 

Bank of America has showed little effort to investigate, communicate, or inform me about by rights and the restitution process. Over a week has passed and all I have is a case number, and I had to fight just to obtain that. They have failed to email me as promised, have not returned phone calls, given me conflicting information and no apologies.
Consumer complaint received 2023-06-08
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENF AG/N XXXX XXXX has violated my rights. Or a 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. 

XXXX5 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 2024-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

I attend XXXX  XXXX XXXX of XXXX from XXXX to XXXX. I left for a brief period and joined the military. Upon my honorable discharge I returned to XXXX XXXX XXXX in XXXX. I received a federal loan discharge via the recent borrower defense discharge available to certain XXXX XXXX XXXX. During my first term at the XXXX XXXX, I acquired XXXX XXXX private student loans.

On XX/XX/XXXX I called Navient for information on school misconduct discharge of private loans and was told to follow up in XX/XX/XXXX. I am filing my complaint to establish a record and my inform of my relationship with Navient.
Consumer complaint received 2023-12-05
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. (NJ)

I am writing to bring your attention to the following accounts that should not be on my credit report but were furnished by the credit consulting bureaus. These entries have significantly impacted my credit scores, and I am now escalating this matter to request the immediate removal of 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 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 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 2021-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I think someone is using identity theft or fraud against me. Earlier this year, I attempted to create a cashapp account and one of the registration requirements is a social security number. I couldn't go any further with the process because the company wouldn't accept my social security number at all. This has happened for multiple apps & forms I've tried to fill out but couldn't complete because none of them will accept my number no matter what I do. I'm worried and I need help taking action to fix this issue so I can access my finances and know my ss number is safe.
Consumer complaint received 2024-05-23
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: AMERICAN EXPRESS COMPANY (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law 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 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