davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (FL)

I filed a complaint against Wells Fargo because I was told on numerous occasions that when a payment is made on my credit card and I am currently under a promotion ( 0 % for 18 months ) that the minimum payment goes towards fees, interest and higher rate portion of account first. Makes sense. what they failed to mention is because I was due for {$110.00} minimum payment and I made a {$5000.00} payment that the difference would be applied to lower interest first. reason? they explained that I should have made minimum payment of {$140.00} first. Then cut another check for {$4800.00} and then the monies would have been distributed differently. they also informed me that the agent who took the payment on XXXX XXXX should have explained this. the section under terms and conditions for their credit card is below ( WELLS FARGO Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ( such as Cash Advances ). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. ) They failed to mention that payments made in excess means writing another check separate from minimum payment. Had I been made aware that I should have just made the minimum first this would have saved me a lot of unnecessary interest. I have expressed my concern with several people who have similar promotions and they were not aware that making an enormous payment that covers the minimum payment is not the same. They were not aware that 2 payments are necessary. This is outrageous and I am going to pursue this matter.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (AZ)

I Recently reviewed my credit report and seen some accounts that i did not open and did not authorize anyone to open not sure how they are open under my name because i dont and cant seem to get control of the accounts to even get them shut down. 
So i contacted the companies ( XXXX XXXX and XXXX ), via email and asked for some correspondence back so we can figure out how to get these things resolved. I have not heard back from either companies and i dont know what to do to get this stuff removed from my credit report. I know that i have Rights and they are violating them witht these reportings. I dont want them on my credit report because i didnt not create and/or control these accounts. 
i emailed XXXX and XXXX on XX/XX/2022, and still no word from the company, i tried calling the number provided by experian.com and that instructed my to email andi did. Still nothing. these debts are not mine.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WA)

Remove all information reporting from XXXX and the settlement XXXX XXXX XXXXXXXX states. Also remove inquiries on XXXX and XXXX. 

XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting 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. (NY)

REMOVE HARD INQUIRIES EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-12-23
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. (MD)

According to the Privacy Act of 1974, it was created to protect and curb the illegal surveillance and investigation of individuals by federal agencies. It also stated the major concern for potential abuses presented by the government 's increasing use of computers to store and retrieve personal data by means of a universal identifier - such as an individual 's social security number. Along with 5 USC 552a, these two laws are to protect the consumer 's personally identifiable records maintained by agencies.

15 USC 6801 ( a ), states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC 6802 9b ) ( 1 ) A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct reheat such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of h ow the consumer can exercise that nondisclosure option.

Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX.
Consumer complaint received 2023-03-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R.M. Galicia, Inc. (GA)

According to the Fair Debt Collection Practices Act ( FDCPA ), all collection agencies must be licensed and bonded in the state where they operate. Failure to do so can result in legal action against them. Therefore, if you have been contacted by Progressive Mgmt System for debt collection, you have the right to take legal action against them. I will be filing a complaint with your State 's Attorney General Office.
Consumer complaint received 2021-06-28
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. (MO)

I'm demanding that these unauthorized fraudulent accounts be removed from my credit file. The following accounts I have never did any business with. They do not have the right to harass me by reporting these fraudulent accounts on my files. I'm asking that they be removed. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX, XXXX {$170.00} 3. XXXX, XXXX {$810.00} 4. XXXX, XXXX {$570.00} 5. XXXX XXXX XXXX {$180.00}
Consumer complaint received 2024-03-09
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. (MO)

This complaint is regarding a recent reinvestigation as a result of a previous complaint because of EXPERIAN INFORMATION SOLUTIONS failure to correct inaccurate information in account I previously brought to their attention. As of recently of XX/XX/year>, EXPERIAN reinvestigated and updated account leaving the accounts in question still inaccurate. I also did not receive anything in the mail from EXPERIAN within the 5 days permitted by the FCRA regarding the previous disputes per 15 USC 1681i ( 6 ) ( b ) ( 3 ). I want these accounts removed for violations of the Fair Credit Reporting Act. The accounts are still reported inaccurately. The effect of this failure is damaging my character, reputation, and mode of living.
Consumer complaint received 2023-12-23
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 (CO)

On XX/XX/XXXX five charges for {$490.00} to XXXX XXXX XXXX' were made to my account. Almost immediately I called Wells Fargo to reverse the fraudulent charges. They initially refunded the charge but now ( as of XX/XX/XXXX ) they have rescinded that decision and charged me for 2 of the charges for a total of {$990.00}. My only explanation is I replied " y '' to a text confirming one of the charges because I had made a purchase for a similar amount from XXXX XXXX XXXX around that time and thought that was the reason for the text. I called once I realized my mistake, that same day. Any restitution would be appreciated.
Consumer complaint received 2024-03-09
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. (TN)

This complaint is to the General Counsel of EXPERIAN INFORMATION SOLUTIONS. I have disputed with EXPERIAN over the same inaccurate accounts 4 times in a row. I am now fed up because the company has not corrected the inaccurate information, I have repeatedly brought to their attention for some time now. I have even tried to negotiate with this company regarding pre arbitration settlement. I am not being taken serious by this company and this is an official complaint and notice to EXPERIAN along with a letter they will also be receiving in the mail certified with a green return receipt regarding the initiation of arbitration per our agreement.
Consumer complaint received 2022-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

The XXXX XXXX XXXX XXXX was hired by the Cavalry SPV I , LLC to file a lawsuit against me for debt owed on a credit card to XXXX XXXX XXXXXXXX which I never applied for or used. A court judgment was levied unbeknownst to me on XX/XX/2013 for a total balance of {$17000.00}. I was never served or notified about this balance due and it has never showed on my credit report. The XXXX XXXX XXXX  has submitted documentation to my current employer attempting to garnish up to 25 % of my wages to pay off the balance, which needs to be stopped immediately as this debt & credit card never belonged to me and I believe I have been a victim of Identity Theft.
Consumer complaint received 2023-12-23
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. (TX)

XXXX XXXX XXXX XXXX has reported my private and non-public financial information to affiliate and non-affiliate third-parties, including but not limited to credit reporting agencies such as Equifax, XXXX and XXXX XXXX . XXXX XXXX XXXX XXXX has never provided me with an adequate Notice of my right to Opt-Out of the disclosure and sharing of my personal and private information nor the required form in which I could complete and return to them pursuant to 15 USC 6802 and 16 CFR 313.7. I've requested in the past on multiple occasions for the XXXX XXXX XXXX XXXX and the Equifax, XXXX and XXXX XXXX to cease reporting my private non-public information, as it is defamatory, inaccurate and an infringement on my right to privacy, but no changes have been made. Because of this unlawful and inaccurate information relating to my private affairs being reported, I have been financially harmed by being denied credit, and have suffered emotionally. I've mailed requests and electronic messages to XXXX XXXX to cease their reporting of my private information.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CT)

XXXX financing has been charging me late payment fee and interest on my balance due to an issue on their end. My address in their system is incorrect due to which i was not receiving any bills or statements. I have tried to explain this issue to their customer service multiple times, they did update the correct address but have not removed incorrect fees and interest billed to my account. I am clear that i will not be paying these fees as it was a problem on their end.
Consumer complaint received 2023-06-15
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-23
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. (IN)

As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. Equifax and XXXX are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801. Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as Equifax and XXXX do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation. Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e. Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.
Consumer complaint received 2023-04-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I borrowed XXXX from this company it was credited to my account XX/XX/2022 and the initial payment was about XXXX per month I asked for an extension in XXXX and they Debited my account twice in 24 hours leaving me with a negative balance of {$400.00} because I had other bills coming you, Now because I am struggling to pay back they are now saying that I owe, XXXX when the original amount was around XXXX with the fees I am a struggling mom of four and I really need them to fix this so I can not have this debt hanging over my head, I filed a complaint with the BBB and I did not get anywhere with them.
Consumer complaint received 2023-12-23
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. (CA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXXXXXX  Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, This account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed accounts below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX
Consumer complaint received 2022-12-11
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. (NJ)

on XX/XX/2022 I sent a letter to Experian, XXXX and XXXX credit bureaus asking for a description of the procedures used to determine the accuracy and completeness of and entry on my credit reports for XXXX XXXX XXXX, Account # XXXX. I asked them to provide the name, address and telephone number of each person contacted regarding the alleged account. I also asked for a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the amount claimed. 

This is a clear violation of my rights under the Fair Credit Reporting Act 611 ( 6 ) ( b ) ( iii ).

and they also have 15 days to report to me the results I requested which they have not. I demand that this entry of XXXX XXXX XXXX be immediately removed from my report of all 3 credit bureaus as its is hurting my chances of obtaining credit. 

Failure of the credit bureaus to delete this entry from my reports, will result in me filing a lawsuit demanding {$1000.00} per violation for the following : 1 ) Defamationm 2 ) Negligent enablement of Identity Theft 3 ) Violation of then Fair Credit Reporting Act. 

The Credit bureaus have violated my rights under the FCRA as they did not provide the information that I am obligated to receive upon my request. All they did was again say that the Item was verified that it belongs to me. I did not ask that in my letter.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2023-12-23
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. (NY)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-03-09
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. (CA)

During the XXXX pandemic, the lender provided accommodations on my loan due to a hardship. The loan was reporting late XXXX  times and repossessed. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. On previous CFPB complaint # XXXX the company responded to the by saying " We have reviewed our members tradelines with the XXXX nationwide credit reporting agencies and noted a discrepancy. We will submit a request to the XXXX credit reporting agencies to update their records. '' The changes that were made was a removal of the repossession. The XXXX  payments are still reporting. The Cares ACT was continued into effect until XXXX  months after the XXXX XXXX ended XX/XX/XXXX. Well past the timing of the XXXX  payments in question.
Consumer complaint received 2023-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

They said it is a judgement with a XXXX file number I went to look and there is no XXXX file on the court. This judgment its been withdraw and original company file without letting me. know. 
XXXX XXXX had found violations of the Fair credit practices. This company is trying to collect on their behalf. Fein Such Sheppard, LLC