davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have continuously been disputing with XXXX, Equifax & XXXX, information that continues to be reported incorrectly causing severe damage to my credit. All 3 bureaus knowingly and negligently continue to report negative information on 4 accounts that I have many times informed them and provided proof that these accounts have been either paid in full or settled in full so therefore should no longer be on my credit report nor should they reporting negatively and they continue to report negatively. The following accounts are the accounts in reference. XXXX # XXXX was sent to court and PAID IN FULL IN THE AMOUNT {$910.00}, and the others have been SETTLED IN FULL XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX. I have been fighting them for 3 years now and they are refusing to remove. Per the FCRA 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also in [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I continue to provide the necessary proof and they continue to ignore and report negatively violating my consumer rights as well as providing information that was never authorized by me to provide to begin with.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to formally request an investigation into a collection account that appears on my credit report, which I am unaware of and believe may be erroneous. The details of the account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Sold to : Portfolio Recovery Account Number : XXXX To the best of my knowledge, I have no outstanding debts with XXXX XXXX, and XXXX have not been notified of any such debt. Therefore, I am concerned that this collection may have been reported in error, or it may be a case of identity theft or fraud. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I kindly request that the CFPB investigate this matter promptly. Please verify the legitimacy of this collection account and provide me with all relevant information, including the original creditor and any documentation that proves the validity of this debt. 

Enclosed with this letter, you will find copies of my identification and a recent credit report showing the disputed account. I would appreciate your prompt attention to this matter and look forward to your response within 30 days as stipulated by the FCRA. 

Thank you for your assistance in resolving this issue.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (GA)

Fortiva has my wife 's account with XXXX XXXX  reporting on my credit file!! Ive called and disputed this even with the credit bureaus with no success. The account statements and documents clearly have her name on them and not mine but they are still reporting inaccurate info on my file which is a violation of the FCRA!!! I want this corrected immediately
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

Chase international wire {$200.00} was requested to best on XX/XX/year> to a Swiss bank account. Transaction number : XXXX. Reference number : XXXX. 
Date funds available to recipient promised : XX/XX/year>. 

The funds never reached the recipient bank. Chase customer service was contacted, and this incident was reported under case number XXXX on XX/XX/year>. 
On XX/XX/XXXX, Chase customer service advised that they had no control over the funds anymore because it was taken out of the account. Chase also informed customer about an investigation with the foreign exchange department to attempt to trace the funds and credit it back within 10 business days. 
It is suspected to be a fraudulent transaction and internal investigation at Chase.
Consumer complaint received 2017-03-21
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

Several Times I have received telephone calls at work. One time the caller called my mother and stated that there was a warrent out for my arrest, my mother called in a panic. Then the caller gave my full birthday and social security number, when he asked was it correct, I told him that even if it was he had given out to anyone that answered the call. The second time the caller stated that they have a XXXX County Docket number # XXXX and that if they do not speak with me regarding this loan that I will be arrested.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (NY)

I got a Goldman Sachs/Apple Card . I had a {$4500.00} max spend limit. I used their 'Monthly Installment ' option and they charged me the full amount which put me over {$4500.00} limit. 1 ) what's the point of 'Monthly Installment ' feature when you are charged the full amount? Perhaps I am mistaken but they should have 'declined ' anything over my max spend limit of {$4500.00}. I do not consent to allow them to go above the agreed upon max. 2 ) look at my XXXX credit score in XXXX during this time- it PLUMMETED. Now I'm spending months trying to fix it. XXXX ) when I tried to correct it, Goldman Sach said to call Apple. Apple said to call Goldman Sachs. GOLDMAN SACHS SAID TO CALL APPLE. APPLE SAID TO CALL GOLDMAN SACHS- this has been my life. And now I don't even use the Apple XXXX XXXX and have been trying to return it since XXXX but XXXX will not accept it.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2017-02-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Colony Brands, Inc. (NC)

I have written to this company called Swiss Colony and disputed the item on my credit report and requested them to provide documentation bearing my signature associate with the account. They did not do so. I also let them know that the account may be fraudulent as well. I have an fraud alert on my credit files because of this company. I have looked at my credit report dated today ( XX/XX/2017 ) and before that date I did n't see the statement disputed by consumer in the remark area on my credit files. Instead in the remark area : Profit and loss write off. This statement is in the remark area. This company has broken the law called FCRA because they failed to place the statement : " disputed by consumer, '' and I do want the company to delete the entry from my credit files. I have requested this company to provide proof of any documentations bearing my signature with this account. They failed to do so with that being said I want the entry to be deleted immediately.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA (CA)

This complaint involves Hyundai Capitol America on  XXXX , Partial account number   XXXX   Date opened :   XXXX   XXXX   Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone numbe  XXXX   XXXX   partial account number ;  XXXX , date opened   XXXX   XXXX  . I just recently traded in the vehicle in  XXXX
Consumer complaint received 2024-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo given me misleading information the run around XXXX XXXX XXXX documents being mailed to me for the trial modification they insisted I was approved for. Was told by Loss Mitigation documents would be remailed to me for Trial modification. Spoke with loss mitigation they informed me they were never mailed, and they had noted the loan I had broken the promise for the trial. See detailed chain of events attached. CFPB Orders Wells Fargo to Pay {$3.00} XXXX for XXXX XXXX XXXX XXXX XXXX, Mortgages and Deposit Accounts. I am a victim of mortgage of improperly being denied loan modification.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster Bank continues to use the Available Balance for determining any Overdraft fee. This continues to make hardships as whenever I try to track down why something created an overdraft fee, I need to call the customer service line or wait for the branch to research why a fee was assessed as it never shows in my statement. This occurred again on XXXX and when I reached out to my back, I spoke with a XXXX XXXX, the contact center XXXX ( employee number XXXX ). When I explained to him my frustration, his response was to refuse to refund me the fee and to escalate because, to him, the transaction was not a bank error and I need better account management. I will be once again contacting my bank, however, as this has been a continuous issue, I also wanted to file this complaint as due to this issue, I expect that I might be receiving overdraft fees again even though I have attempted to cover the difference in my available balance. I also know that part of the hesitation in returning the overdraft fee is that it comes out of the branch 's budget. However I should not have to pay for this. I've attached my statement in regard to this.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

We called XXXX XXXX XXXX  on XX/XX/ for help. They promised they would show up in 30 minutes and insisted on prepayment of {$240.00}. Unbeknownst to us, they switched us to a know scam company XXXX XXXX XXXX who charged our card. Over the next 2 hours we called repeatedly and were told each time " 30 minutes '', but no one showed. Since I was stranded on the freeway late at night and a danger to others and me, the XXXX stopped and told me I had to have the car removed. He said he'd never heard of our Tow company and had the XXXX dispatch a tow truck, so we canceled our order. The XXXX which arrived in 21 minutes, changed the tire and inflated my spare. As they finished, a private vehicle with a XXXX XXXX decal showed up. The man ( inebriated ) said his buddy at XXXX called him to say he couldn't do the service and asked this man to show up instead ( just a private individual not employed by any tow company ). We have call and text logs, photos and testimonials of other customers similarly scammed. We received no service from XXXX, were put in danger by their inaction, and canceled the service before the person they passed us off on showed up. Wells Fargo violated their policies for handling disputes by failing to offer us an opportunity to respond to the merchants response or to provide any evidence to contradict. They did not inform us of any deadline to take further action ; later they relied on this secret deadline to deny further action. We simply got a letter summarily denying our claim.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. TransUnion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public record below XXXX Bankruptcy XXXX XXXX  XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018
Consumer complaint received 2024-04-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC (TX)

So I have already paid over {$700.00} of interest and I was never told that the small minimum I pay just goes to interest, but my full amount with interest was {$360.00} and the loan I took out was {$290.00} so how is it that I paid over {$700.00} worth of interest and was never told that nothing went to my loan at all.
Consumer complaint received 2023-01-24
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. (AL)

I am an identity theft victim from the Equifax data breach. I would like all fraudulent inquiries removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

On XX/XX/2014 about 3 years ago i filed a complaint against XXXX Case # XXXX for placing a fraudulent account on my credit without contacting me. The Original creditor was supposedly XXXX. I sent XXXX a copy of my police report because i am a victim of ID Theft Police Report Number XXXX. The account was removed. 3 years later the account has been placed on my credit with a new company named XXXX, XXXX Account number XXXX. The company has not contacted me but they put it on my credit. XXXX deleted the account because its the same XXXX account that was placed on my credit in XX/XX/2014 in the amount of XXXX but under a new collection company name which is XXXX. 

I contacted Equifax which was a total nightmare ... .. unbelievable, i spoke with 4 representatives ... I first spoke with XXXX who constantly put me on hold and the call lasted w 30 minutes before she told me she did not see a police report on record for me .... then she said she found it but did not see the account in question which was the previous XXXX account when it was XXXX before she ended the call saying she could no longer hear me on the phone. 

I could not go to work because i was so frustrated .... i came home and called again. I spoke with XXXX who said she could not find the police report and said i needed to file a new one. I advised XXXX that i had also filed a complaint against XXXX in XX/XX/2014 with the CFPB she said the needed the results page .... i told her the end result was that the account was removed and she could look at my credit report and see the results- it was under XXXX in XX/XX/2014. She said her supervisor said i needed to file a new police report. I asked to speak with her supervisor .... after 2 minutes a lady name XXXX asked me for my name and confirmation number. I asked if she was a supervisor and she said yes and asked how could she help me. She said the previous representative ( XXXX ) was no longer on the line and did a blind transfer so she said she was not aware of what was going on???? 
I asked XXXX if she could transfer me to a US supervisor ( English speaking ) she transferred me back into que and i spoke to a rep named XXXX who said she was not a supervisor. XXXX spoke with her supervisor named XXXX and according to her ... she said i needed to file a new police report that contained the new name XXXX. I asked if the account is sold 20 different times in regards to XXXX in the amount of {$780.00}, would i have to file XXXX different police reports ... .. she said he said yes!!!!!
Consumer complaint received 2022-12-21
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (NC)

old navy company he closed his company seeing me affected in that transfer not giving an answer to theXX/XX/XXXXmaking an excuse that the account was closed they can't return anything because they transferred from company XX/XX/XXXXyear.
Consumer complaint received 2024-06-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Consuegra & Duffy, P.L.L.C. (FL)

Wages garnished without receiving anything until the time to file an exemption had expired they never notified me of the lawsuit no one thinks about a debt from XXXX
Consumer complaint received 2022-12-07
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. (TX)

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (HI)

My student loans were supposed to fall off of my credit report since I filed with Nelnet and showed proof that I am XXXX XXXX XXXX veteran. They took these accounts off of my XXXX and XXXX but XXXX refused to remove them even after I filed a dispute. They concluded that they will not. This must be an error. I am trying to buy my first house this year and I will not be able to qualify if my credit report isnt fixed. Please help and remove these student loans from my XXXX credit report and the false late payments on them as well. Thank you so much for your time.