davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

I been having issues enrolling in online banking, I requested a RSA secure id ( already arrived ), but Im still waiting my debit card to enroll in online banking. 
Never arrived, so I nee to request a replacement debit card sent to my mailing address on profile.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (AR)

I went to check my credit report to find out why my score dropped and I found not XXXX but XXXX account from this genesis card services company with a MILESTONE account. And a destiny account under my name and social. along with some utility company. I have contacted GENESIS FA CARD SERVICES about these fraudulent account and I have been met with NO HELP. This is literally fraud and hey are letting an account be open and used with my information in which I have never given anyone permission to use my information and never lived at the address of a XXXX XXXX in Virginia that they also have on file. 
I live in a completely different state! I want these XXXX account REMOVED from my credit report IMMEDIATELY
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (HI)

I was having trouble paying for the mortgage due to XXXX. My work closed the office for a few months. Then I was offered to pay back the amount due with a percentage of the missed payments. After a few payments my tenant had a hard time paying the rent, they paid late. So, my payment was rejected due I tried to pay a couple of days late. Tried paying for a few months and it all got rejected. Did call the mortgage company and I would have to talk to my case management. But left multiple messages and no response. Then I called XXXX XXXX she called the mortgage company and the same thing. She said ( XXXX from XXXX XXXX XXXX said why I wasn't offered to modify and Shellpoint said the best choice was what they offered. Then in XX/XX/XXXX my Mom was diagnosed with stage XXXX XXXX XXXX. Had to use the money to pay for the care of my Mom. She passed on XX/XX/XXXX and now paying for her funeral services. Told Shellpoint I'm able to pay my mortgage. I have a new tenant and she pays on time. 
Hope you can help me keep our home.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, 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. (LA)

I XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXXXXXX XXXX XXXXl inquiry date of XXXX, XXXX XXXX  inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX  XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX  inquire day of XXXX.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX XXXX XXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
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. (NY)

Experian has reinserted an account on my credit report and are now saying that it has been verified when in fact it has not. They have no employees looking at these reports only the e -oscars that are digitally verifying these accounts against address not really investigating with data furnishers and not providing proofs as required by the FCRA . This metro 2 format nonsense they are relying on to verify these accounts are not in requirements with the FCDPA or FCRA.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: FinCo Services Inc DBA Current (IL)

I just added XXXX dollars to my current debit card and it was cash already in my account but some 1 at the company just told me that my account has no funds so they illegally removed all my cash that I just added. I had a little less then {$25.00} in my account and I am showing proof that I added cash to my current debit card from my XXXX account so it is supposed to be cash in my account.
Consumer complaint received 2023-05-30
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: Self Financial Inc. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( XXXX ) Has violated several of my rights. 

15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy. 

15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose. 

Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc. (MO)

Hi, I for visa prepaidcard from my prepaid center.com 4 card of each {$14.00}. It was not was not working I am trying to get this issue resolved from years back back but not got resolved. Please help on this
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I filed bankruptcy last XX/XX/2007 and still appears on my Experian report. It should be talen out ny now. Thank you! Most of my other accounts were old and still appears.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MA)

I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Experian, XXXX and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.
Consumer complaint received 2024-03-29
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

American Express pulled an auto payment from my bank, XXXX XXXX XXXX XXXX for amounts of {$210.00} ( XX/XX/23 ) and {$280.00} ( XX/XX/23 ) not authorized by me. American Express was supposed to make an auto payment from XXXX XXXX  on both these accounts. Due to American Express ' mistake, my bank charged me 4 fees of {$30.00} each due to insufficent funds. I did not authorize these two payments for american express to pull from my XXXX XXXX XXXX XXXX XXXX XXXX. I called them to stop payment and they refused to assist me in any way.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX  ( XXXX  ) XXXX : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/2023 I wrote check number XXXX payable to The XXXX XXXX XXXX. The check cleared my account on that day and was credited to my account at XXXX XXXX XXXX XXXX. Then again on XX/XX/XXXX, the same check was again debited from my Wells Fargo account. This one is a fraud. I wrote only XXXX check for {$2900.00} and it was debited twice. I need to get my {$2900.00} back from Wells Fargo. I have filed 3 complaints with Wells Fargo. They keep closing the case and I have to have it started over again. One of the claim numbers is XXXX. I think that is the most recent one but I may be wrong. Another claim number is XXXX. There is no progress on this issue and I still don't have the {$2900.00} back. I need this to be resolved. Wells Fargo was negligent in clearing the same check twice and the second time it was not cashed by the payee. I don't know who cashed it the second time as the endorsement is illegible.
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (GA)

I reached out to the debt collection agency and they agreed to a pay-to-delete solution. There were two accounts that were supposed to be deleted from my credit report but are still being reported on my report. After 30 days I reached out to the original creditor and provided them with proof of payments and they said they would update the information but never did. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting these items on each other.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

On my consumer report it says i owe XXXX money, i never opened an account with them. The information they have is n't my name its a jumbled version of it. I believe i have identity theft.
Consumer complaint received 2023-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AL)

AES is relentless in not negotiating with students regarding repayment options. I tried negotiating a payment schedule back in 2014 when I had a medical crisis and could barely make payments. The only option AES gave was one-half monthly payments and no interest negotiation. There are two small loans of {$3000.00} ( {$6000.00} total ) each that has ballooned to {$12000.00}. During this same time period, I was able to negotiate interest rate reduction with Navient in which I had been paying off along with AES -- no missed payments. I was able to pay Navient in full once the interest was removed. AES will not budge and states the only forgiveness will be upon death. Also, I can not consolidate this loan into my federal loan consolidation/borrower 's defense claim. Something needs to be done where this interest rate is reduced -- this is highway robbery.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

XXXX WELLS FARGO XXXX XXXX : Was called by " sergeant XXXX '' XXXX from the XXXX XXXX sheriff department claiming I failed to appear in court and I am under penalty of 1968-1 due to not abiding to the Notice of Erroneous XXXX Exemptions. XXXX XXXX was the financial XXXX who would be collecting payment and he told me to send payments to XXXX, and XXXX XXXX payments in the amounts of {$1800.00} & {$600.00}. 

As soon as I transferred this money I called Wells Fargo immediately and asked them to reverse payment and they had said they could not do so bc it is through a non secured company, XXXX. I filed opened up a complaint through wells fargo and they dismissed it and said they do not have any phone numbers, addresses or contact information through XXXX. They were no help. However there is a protection clause that finacial institutions have and they disregarded this. I also asked for the routing, bank and reciepient information of who I sent the money to and they did not have that information.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (PA)

I recently received a application notice for a credit card, dated XX/XX/2023 from Barclays. The mailed notice referred to a Wyndham Rewards Earner Plus Card, and stated : " Thank you for your recent application.... We have reviewed the application and determined that additional information is needed before the request can be processed. '' I did NOT apply for this! - I don't travel much via hotel and would never have applied for this card. I did contact Barclays directly ( on Tuesday, XX/XX/2023 ) with the provided phone number, spoke to a Barclays customer Security Rep, and requested an investigation take place. I will be checking back with the investigation team to figure out the progress and hopefully, the fraudulent applicant gets caught - I will push to prosecute. I am aware that the phone number on this application does NOT match my phone number but the customer security representative could not disclose any further information at this time. 

I am filling out 2 separate cfpb complaints ( this is my second complaint ) The first complaint was for XXXX XXXX XXXX XXXX, ID # XXXX - XXXX, if needed for reference.