davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MD)

I applied for a store credit card at XXXX XXXX in XXXX, MD which is serviced by Wells Fargo. They claimed that this card was no interest for the first 12 months. Over the course of the next year I made payments as agreed upon and at the last 3 months paid 600+ to make sure that the balance would be paid off before interest was applied on XX/XX/2018. 

I sent my bill pay form XXXX as usual and the check was received by XX/XX/XXXX for {$660.00} which was over the balance by XXXXcents. I logged on severally but the payment was not applied. I called my bank to check what the problem was and they provided a receipt that payment was sent and received on time. 
That is when Wells Fargo reps started calling me for payment and I told them i had already paid. I have all the call logs of this. They sent me to another department and i have been working with 'XXXX '' from XXXX XXXX XXXX. She asked me to fax her proof of payment and I did, twice. 

This morning about a week later, XXXX called and said they would not honor my payment because they did not cash it. I got to my computer, paid {$660.00} which was the original outstanding balance and let her know that I would file a complain with the banks ( wells Fargo, XXXX ) and with the Federal Trade Commission as this seems odd that only the last payment went missing and i used the same method to send payment. 

I have also asked Wells Fargo to close the account as this is my 2nd time trying business with them unsuccessfully. I believe this is unfair practice and if the account was truly no interest the payment would have been cashed without issue. I believe because i was able to pay off the balance, wells fargo " lost " the final check so as to apply $ 700+ interest on my account. 

I am writing to seek assistance in closing this account and in making sure that they do not have detrimental effect on my credit report. 

Thank you for your time and assistance on this, XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2023-10-24
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-05-01
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. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Consumer complaint received 2024-03-18
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

This complaint is about my American Express business platinum account ending in XXXX. The account was closed due to the fact my business lost a recently obtained contract and Im having to adjust my lifestyle and move. Because of this I had to cancel my account. I sent a payment yesterday and today I was checking the remaining balance to be paid off before the due date of XX/XX/2018. I saw I had a negative Memberahip Rewards balance of XXXX XXXX. The card came with a sign up bonus of XXXX points after spending {$10000.00} in the first three months which I did. One attaching the statement which clearly shows spending above the requirement. The points were posted when I met the spending and I transferred them to the airline of my choice. Im respectfully requesting the membership balance be updated to get out of the negative, since it was at XXXX points yesterday. Ive never had this sort of problem with XXXX and I hold several of your cards which I enjoy using and Im an advocate of. I called and spoke with XXXX and then XXXX at the Memberahip Rewards Department. They agreed on a recorded line that I had met all the requirements of the spending and that I shouldnt have a negative balance. As a long time loyal customer Im asking you to do the right thing. Otherwise Ill be forced to close all my accounts with you and move my spending to somewhere else. I sincerely hope your company values their customers and doesnt see us as just numbers. 

Even though the reason for cancelling my XXXX Business card was the loss of most of my upcoming contracts, I contacted American Express to reinstate the card and I will pay for any fees out of my savings in order to get the points reinstated and maintain a long and productive relationship with American Express. Im unsure as to why this has become a problem when a valuable customer is under duress financially and wants to do the right thing. Thank you.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-18
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (FL)

Loancare LLC is currently down due to a cyberattack. It has been down for a month. There has been zero effort to communicate with folks like myself who are completely at their mercy. This is completely unacceptable. Even a severe cyberattack shouldn't take the company down like this.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 items 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 items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXXXXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXXXXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number XXXX
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (FL)

i spoke to this company National Recovery Agency today XX/XX/22 XXXX i asked for information for this account, they have my date of birth my dads name, they are trying to collect of a debt without providing any and missed information. Proof of Claim document is attached please send to the company im just asking them to provided information XXXX if they cant close this fraudulent account.
Consumer complaint received 2024-03-18
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. (MD)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

Please help me I purchased a XXXX XXXX XXXX from American Car Center in XXXX. After Purchasing the vehicle they went out of business. Westlake Portofolio took over all there accounts. I am set up for automatic payment my payments are drafted from my bank account. On XX/XX/XXXX a payment was drafted in the amount of XXXX On the XXXX of XXXX my car was ilegally repossed. I called the tag off and found out the car is still titled in American Financial name. I called West Lake Portofolio and asked they give me my car back they are saying I have been paying monthly when I am set up on bi weekly they claim I owe them XXXX when they claim I am 140 days past due with my account I went on the app WestLake Portofolio logged into my account it is showing on there app I am indeed set up on automatic payment bi weekly so they ilegally took my car. I have been having to pay XXXX to get back and forth to work
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not have bankruptcies reported received letters from XXXX XXXX that bankruptcy info was removed from my report with XXXX XXXX  and advised to contact credit bureau for removal letter submitted
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I recently obtained a copy of my credit reports. In doing so I notice inaccurate account I have not authorize. I have attached a copy of my FTC report ( Reference number : XXXX ). Along with two Identifiers.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-03-18
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

I sent a wire transfer from my Wells Fargo bank to my XXXX XXXX account on XX/XX/XXXX. It is no XX/XX/XXXX and the wire transfer has not been received and it is not in my Wells Fargo account either. It is just missing. I filed a case with Wells Fargo on XX/XX/XXXX to find out where the wire transfer went and they still have no answer and have not credited back the wire to my account. There is just XXXX XXXX  missing and no one has an answer. I have checked with XXXX XXXX and they have not received any wire.
Consumer complaint received 2024-03-18
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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding the lack of response from XXXX, XXXX, and Experian, the XXXX major credit reporting agencies, to my disputes. As per my records, I sent a second letter to all three companies on XX/XX/2023, but it has been well over 30 days, and I have not received any response from any of them. 

This failure to acknowledge my disputes within the specified timeframe is a clear violation of my rights under 15 USC 1681 ( a ) ( 1 ) ( A ), which states that XXXX, XXXX, and Experian are obligated to respond to consumer disputes within 30 days. It is deeply concerning that none of these companies have taken the necessary steps to address my concerns and provide a timely resolution. 

To provide further evidence, I have included the tracking numbers from my certified mail for each respective company : - Experian : XXXX - XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX XXXX : XXXX I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX, XXXX, and Experian for their failure to comply with federal regulations. I trust that your agency will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

I appreciate your attention to this complaint and look forward to a prompt resolution.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Subject : Formal Complaint Regarding Unauthorized Access and Coercive  Collection Practices Dear XXXX, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. 

It has come to my attention that XXXX has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing XXXX from my credit report. 

Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with XXXX and I am under no legal obligation to do so. 

In accordance with Texas-specific laws, I refer to the following sections : 1. Texas Finance Code 392.202 : Unauthorized Access to Consumer Information - TSI/940 accessing my non-personal information without consent is a violation of this code, and I demand an immediate cessation of such activities.

2. Texas Finance Code 392.202 : Coercive Collection Practices- Attempting to coerce me into paying a debt I am not obligated to pay constitutes a violation of this code.

Furthermore, the actions taken by TSI/940 may also be in violation of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : - Adding an unauthorized account to my credit report without proper consent is a direct violation of the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA.

Additionally, I want to bring to your attention the following federal and state consumer laws : 3. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 : - Unauthorized access to my non-personal information may also be in violation of the EFTA.

4. Texas Business and Commerce Code 17.50 : Deceptive Trade Practices- Your coercive collection practices may be considered deceptive trade practices under this code.

I demand that TSI/940 cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law.

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (MA)

Navy federal Credit unit claims that I opened an account with them in XX/XX/22 with a balance of over {$2000.00}. I reside in the state of XXXX. I have not opened a credit card account in over a year. Navy Federal credit union closes location to me is XXXX. I have not left the state of MA. I have no knowledge of this account, when how and to whom it was issued, No knowledge of the items bought. I have not been notified by mail of the debt. I have tried to dispute it with no success.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (GA)

This is not my account. I have never signed for, authorized written instructions for this consumer to open an account, any personal information obtained by XXXX XXXX XXXX account # XXXX is inaccurate and obtained fraudulently. This consumer is reporting debt collection on all three credit bureaus with unverifiable information.