davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2023, I had several fraudulent charges made on my account. Wells Fargo reversed these and sent me a new card. I have had possession of my card since XXXX. 

On XXXX, a cash advance was made from my credit card for {$3500.00}, and a fee of {$170.00} was charged. 
on XXXX, another cash advance for {$700.00} was made from my credit card, and a fee of {$35.00} was charged. 

On XXXX, I called in and noted the fraudulent charges. Wells Fargo had me change my online password and closed the account that the cash was advanced into ( and transferred out of without my consent or knowledge ) I was told something would be done and investigation would be completed. After several weeks, I called back in and was told these were " authorized '' transactions. This is a lie, as I did not make or authorize these cash advances. Wells Fargo refuses to put this in writing. 

on XXXX, I was charged another XXXX in " cash advance fees '' and another {$200.00} in interest fees. 

I can not get rid of these cash advance fees until my entire card balance has been paid off. I have never used a cash advance, and never intend to, as the fees are absolutely outrageous
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Because of a fraudulent transaction that evolved a paycheck from an employer was hired to bounce I was accused of being apart of the scam and it left my account XXXX to est. So I took action to explain me side and was treated poor by the bank customer regarding the issue
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc. (CO)

ARS National Services has contacted me at my professional consulting line refusing to share any information unless I admit ownership of a debt that is not on any credit report. 

I was the victim of several identity thefts over XXXX years ago from XXXX and XXXX XXXX having dealt with each individually and years later I am now barraged by phone calls from this organization in excess- sometimes XXXX calls a day.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (IL)

IRS FRAUD and United States Code Law Violations Discover Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil Liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION Discover Bank is trying to collect on an alleged debt despite not creating consumer account for securitizing consumers retail installment agreement which under 16 CFR 433.1 is indeed a credit sale as consumers social security number was used in said transaction. Discover Bank has not provided consumer with official treasury forms filed under consumer social number as described by congress as a credit card. Consumer reporting agency ( XXXX, XXXX, and XXXX ) hard inquires shows proof consumer credit was pulled. Which by the rules govern said company under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 company is bound to follow all guideline when offer retail installment agreements per the contract as a consumer my rights can be altered at any time.

As for the 1099c, 1099oid, 1099a that Discover Bank has filed with treasury department under the rules of the 1099c company must provide consumer with a copy for accurate IRS reporting for any debt over {$600.00}. Discover Bank is not filing the proper taxes with IRS which is fraud. Due to companys non-compliance consumer will have no choice but to file form 211 along with other applicable OMB IRS forms under filing IRS with the treasury to audit consumers account to make sure accurate reporting and taxes are rendered per the security agreement signed under Discover Bank with the security exchange commission along with all OMB IRS forms needed to conduct an audit on consumer account. 
Discover Bank has also securitized consumers promissory note indenture trustee over securities yet have not credited consumers accounts accurately. Due to the recent change in consumer laws please serve this as notice that upon a valid proof of claim notarized under penalty of perjury consumer refuse to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account. Discover Bank immediately stop any reporting until said company provide all information under the penalty of perjury for documentation.
Consumer complaint received 2022-11-18
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)

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc. (VA)

Between XXXX, XXXX, and XXXX many details including : high balance, date of last activity, creditor remarks, and last payment are being reported differently violating my right as a protected consumer according to 15 USC 1681 to accurate and fair credit reporting. 
Also, Happy Money states in their privacy notice the promise that they do not share with non-affiliates which include all 3 credit companies I have listed in my beginning statement. This is a violation of my rights under 15 USC 6801, 15 USC 6802, and 15 USC 1681b. 
Furthermore, this account is allegedly charged off which means I should have received a 1099 cancellation of debt form from the IRS and that never happened rendering this reporting inaccurate.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (CA)

There are dept collection letters and bills sent to an address that is not mine. I know the person that the letters were sent to but don't know anything about these accounts. She would like to stop receiving these statements/bills/collection letters sent to her address. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-14
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. (PA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DFC Global Corp. (FL)

Dear XXXX, I am writing to file a complaint against XXXX & XXXX XXXX XXXX XXXX debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. I have recently been contacted by XXXX XXXX XXXX XXXX regarding an alleged debt in the amount of {$720.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to XXXX XXXX XXXX XXXX or any other entity. According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to XXXX XXXX XXXX XXXX disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. Despite my written requests, XXXX XXXX XXXX XXXX has continued to contact me regarding the alleged debt, which has caused undue stress and anxiety. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my XXXX XXXX and financial standing. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (OH)

This company is committing security fraud no 1099 ( a ) or 1099 ( c ) has been file in my name from the company and Im in touch with the irs about it now the company reporting to my credit report in violation of my privacy rights and making money off of my security without giving me my share per the company XXXX form
Consumer complaint received 2022-11-23
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. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX have violated my rights. 

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 an account without my written instructions.
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: EQUIFAX, INC. (TX)

I can not dispute anything on XXXX online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access Equifax at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to domestic XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

XXXX and XXXX both did not update my legal name in their system. It should have me listed as XXXX XXXX ( XXXX XXXX XXXX )
Consumer complaint received 2023-03-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2024-02-28
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)

I am writing to dispute a {$1400.00} debt claimed by XXXX XXXX  XXXX, as I have never engaged in any business with your company. I received a letter demanding payment for a transaction I do not recognize. I request a thorough investigation, documentation of the alleged debt 's legitimacy, and removal of this account from my credit report pending resolution. This collection has caused me to be ineligible for closing on my forever home.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I can not dispute anything on XXXX online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access XXXX at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to XXXX  XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

XXXX and Transunion both did not update my legal name in their system. It should have me listed as XXXX XXXX ( XXXX XXXX XXXX )
Consumer complaint received 2023-02-02
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. (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a complaint against Experian ( CRA ) for alleged violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the Code of Federal Regulations ( CFR ). The credit bureau has failed to provide me with sufficient documentation to verify the debt they claim I owe, XXXX ( additional dates and account information was added with this complaint please review ) despite repeated requests. 

This non-compliance violates FCRA 611 ( b ) ( 7 ) and ( 8 ) by failing to furnish me with any documentation that bears my signature to confirm the debt. 

Additionally, they have failed to provide me with a copy of the original creditor 's documentation, as required by FCRA 611 ( b ) ( 2 ), to confirm the accuracy of the information being reported. Moreover, the credit bureau has failed to provide the method of verification as required by FCRA 611 ( b ) ( 2 ) to ensure the accuracy of the information being reported.

Due to their failure to provide the necessary documentation, the credit bureau has reported incorrect and inaccurate information to credit reporting agencies, which has had a significant impact on my credit profile and report. This violation of FCRA 611 ( a ) and ( b ) has caused me harm and inconvenience. Furthermore, I have also reported several complaints about the credit bureau inaccurately displaying addresses that I have never lived at on my credit profile.

I request that the CFPB investigates this matter and takes appropriate action against the credit bureau, including deletion of all unverifiable information and fair compensation for the harm and inconvenience caused to me, as outlined in FCRA 616 and 617. 

Please note that the definition of " verification '' as used in the FCRA and provided in XXXX  's Law Dictionary is : " The process of establishing the truth, accuracy, or reality of something through examination or authentication. '' Please note all documents have been notarized and mailed certified. 

I AM NOT REPRESENTED BY ANY CREDIT REPAIR AGENCY. 

Thank you for considering my complaint. 

Sincerely,
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC (CA)

I have tried disputing this debt from XXXXXXXX XXXX XXXX debt collection 3-4 different times over the past 4 years, all which have resulted in nothing being done and this not being removed from my Consumer Report. It has continuously damaged my credit rating and now XXXX XXXX XXXX is saying that a payment was made and this account was opened XX/XX/2022. Which is clearly not true by the attached documents from the original creditor indigo platnums card email confirmation statements that I have provided as an example. Unfortunately I can no longer access statements that show this card came with a preset limit of {$300.00} yet XXXX XXXX XXXX is claiming that I owe {$920.00}. This is a gross misuse of illegal tactics to not only increase their profit on a debt that has already been discharged but is also at California 's 7-year limit of being able to be even listed on my Consumer Report. Their answer to this is to reset the date I opened Indigo account to keep it on my report and to have it continuously tarnish not only my score but my credit worthiness. This is an unfair business tactic that has made my life and my children 's lives suffer from false misleading untrue credit reporting to numerous bureaus.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AZ)

I keep getting charged insane interest which we discussed was going to be slashed, but they have charged me more and interest in the last 2 years of having this card, and they are always getting error messages when trying to navigate the website. Plus, I was automatically enrolled in paperless billing which I never agreed to. This has been an ongoing issue since I opened this account, I have spent time with countless CS agents without any resolution. they do not offer an email account as I like to have everything in writing. 

dates and amount total well over XXXX dollars since I didn't know I was getting charged so often and without a bill to lay my eyes on. 
start date of issues is from 2020. Just in the last 90 days i have been charged {$27.00} on a card that I don't even own or have had in my possession. I just want to be done with this corporation.
Consumer complaint received 2022-11-23
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-03-01
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. (IL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

To whom it may concerns, on Sunday XX/XX/2023 I checked my credit scores on XXXX XXXX and pulled my credit report. It was showing no credit score and closed all accounts stating that I'm deceased. Well I'm still alive and well in good health. 
If they re-insert deleted negative information such as charge-offs, late payments, collections, and inquires after deleting EVERYTHING that's another violation of my Consumer rights under TILA and the FCRA. I only want positive accounts reporting on My Consumer report.

Under 15 USC 1681i ( 5 ) ( B ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.