davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NM)

Sometime in early XXXX I opened my Wells Fargo bank account, they had offered me a college level credit card because they stated they seen a young working man. I applied and later got the credit card, since then I believe they have been wrongfully charging me excessive fees. Finally in early XX/XX/2018 I reached out to Wells Fargo stating that I had felt that I was wrongfully charged in the fees I was receiving while having the credit card. Wells Fargo replied with a letter that I received in late XX/XX/2018 stating they would look in to the matter. In early XX/XX/2018 Wells Fargo sent me a letter stating they did not want me to take legal action because they felt they had not wrongfully charged but also stated they would take care of the credit card fees as long as I paid the remaining balance of the credit card which was {$330.00}. I paid the {$330.00} at the Wells Fargo on XXXX and XXXX XXXX in XXXX, New Mexico on XX/XX/2018. At this time I was informed there was not a remaining balance by the bank teller at this branch. On XX/XX/2018 I received multiple letters from Wells Fargo stating that at the time I had remaining balance of {$3.00} which caused multiple future credit card fees in which I refuse to pay because I was told by the bank teller that my credit account was paid off. I have informed Wells Fargo at this point I am fed up with their shady fees and have stated to them I will take legal action.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (TN)

I have recently checked my credit report and seen inquiries I did not authorize XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian 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 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

This is a follow up to my previous complaint. The company Citibank changed us to Estatements. We don't do estatements and we would never knowingly sign up for them. When the company sends out the acknowledgment they send it out on email. Given that we didn't sign up for estatements and it would end up in our junk email which we never check, we would not have been aware of this. 

When we missed a payment the bank did not reach out to us by phone until it ws 30 days past due. That allows the damage to our credit history to occur. The bank had our phone number, had permission to leave a message and just never bothered to do their due diligence and, as a result, they damaged my reputation causing my credit rating to go from near XXXX  to XXXX. This resulted in other credit card companies reducing our credit. We are being punished for the incompetence of the company to reach out to their customers. 

We have had a stellar history with Citi and been customers since XXXX WHY they could not be bothered to reachout until after ( and to have the customer service rep tell us it would NOT be reported on our credit history knowing that it was 30 days past due ) is inexcusable. There need to be consequences for damaging the reputation of customers particularly long term customers who DO NOT use estatements have never have. 



This has recked a carefully cultivated credit history, damaged MY reputation and Citi is not held accountable for it. I will be cancelling my card once this is resolved, contacting a lawyer for a class action lawsuit against Citi and Costco ( who does business with this Citicard ) unless this is reversed immediately within our favor. It is irresponsible and an example of a company having too much power. I have attached previous attachment on the two previous complaints. I should also note that we received a statement a full two weeks AFTER they had already reported it to the credit agencies. I don't buy the " we can't control the mail '' XXXX because this clearly was mailed a week ago. This should have occurred BEFORE it was ever reported and they should have reached out by phone ( I will gladly provide my phone records proving they did not before it was over 30 days past due ) prior to that. 

I have called them, written to the office of the President, the CFO, their general counsel as well.
Consumer complaint received 2021-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent information to the credit bureaus about possible fraud on my credit reports and nothing was done to fix the errors on my reports. These items are outlined in the Fair Credit Reporting Act.
Consumer complaint received 2017-05-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

Central Credit Services LLC sent me a letter dated  XXXX   XXXX ,  2017  wherein they claimed that I owed {$14000.00} to  XXXX . I disputed the accuracy of this claim because the account was paid in full according to our settlement agreement dated  XXXX   XXXX ,  2017 , and as per my letter dated  XXXX / XXXX / 2017  sent along with full payment of {$6700.00}. Their office, and  XXXX  tracking have both confirmed receipt of my full payment on  XXXX / XXXX / 2017 , and I have a copy of the deposited cashiers check. I had also requested in writing that they remove the now paid account and my personal information from their records and that they no longer contact me, or the other borrower, in exception for confirming that the account has been paid.     Their collection letter in which I 'm filing a complaint about came after my payment and written request, and I have received at leas t 1 m issed call with no voice message left from their office.     I sent my dispute letter in response to their letter dated  XXXX / XXXX / 17  to their office with all supporting documentation on  XXXX   XXXX ,    2017  via certified mail with return receipt requested.
Consumer complaint received 2023-01-08
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. (IL)

- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$1000.00} reported XX/XX/XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I have received a notice from CCS on behalf of XXXX XXXX XXXX Policy # XXXX XXXX XXXX regarding a balance, they claim I owe. I requested to get a QUOTE ONLY around XX/XX/XXXX, for a XXXX XXXX XXXX ( XXXX # XXXX ) The car was added to the policy without my knowledge. The owner of the vehicle traveled out of the country on XX/XX/XXXX, and got back home at the beginning of XX/XX/XXXX, and by then I had already gotten a quote from another XXXX XXXX that would start on XX/XX/XXXX. I had properly requested XXXX to cancel my car policy effective XX/XX/XXXX and sent me a refund if any to my address on file. They claimed my policy was canceled on XX/XX/XXXX because I didn't pay the full new monthly charge. I'm not responsible for any charges on this vehicle nor I gave the XXXX XXXX XXXX XXXX authorization to add this car to my policy, if added to my policy it means that it was completely a misunderstanding on behalf of the XXXX agent XXXX XXXX. Please correct this issue as soon as possible and stop definitively and future collection attempts.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

I disputed a XXXX XXXX XXXX auto loan which reported a 30 days late payment. XXXX XXXX XXXXXXXX near sent a letter stating I was late or the account was possibly in default. XXXX XXXX XXXXXXXX finally sent the letter 90 days later at which time I made sure the account was fully paid.
Consumer complaint received 2023-05-24
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: SLM CORPORATION (FL)

Contacted Student loan debt collector ( Sallie Mae ) Credit Reporting department in regards to reporting on my credit report. Requested under the Privacy Act, 5 U.S. 552a, to not disclose my personal information to any 3rd parties. Such as Affiliates, Non Affiliates, Joint Marketing, Credit Bureaus, any other companies. 

Sallie Mae sent me an email on XX/XX/2023 stating Your Sallie Mae loan listed below will be reported as delinquent to the consumer reporting agencies on XX/XX/XXXX, XXXX reflect on my credit report Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years. 

When I asked specifically for Sallie Mae not to report it. Why are the laws set in place if companies can just respond like this after asked not to. Especially when i am the original creditor. Also sent the company a letter in regards to dishonored negotiable instrument violations, if the negotiable instrument is not accepted then Sallie Mae is to discharge the debt, company refused both and no correspondence. Will be also sending this information to the IRS whistleblower.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am reporting an FCRA violation on my credit account with XXXX ( See attachments for account ). XXXXXXXX XXXX XXXX This is a violation of : 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The balance of {$630.00} on my credit report is evidence of that claim. Please see attachments for screenshots of reporting account.
Consumer complaint received 2022-11-27
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Consumer complaint received 2022-12-12
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: United Revenue Corporation (TX)

I am writing this letter to bring to your notice the following information added to my credit report. 

Accounts along with the [ creditor 's name ] are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and would request you to revise the report after due diligence. 

I request you to clear my credit report as soon as possible to help me continue business. 

I am attaching the required documents [ payment receipts, payment records, and other associated documents ] with this letter so that you can verify the details and support my position. 

Please look into this matter and do the needful as soon as possible. 

Regards,
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 2023-05-24
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: CarMax, Inc. (MS)

Since XXXX of this year, I have been looking to buy a home for myself and my sick uncle. When I reviewed my credit report, I realized that I have several damages on it. I have no knowledge of a few of these accounts, so on XX/XX/XXXX, I sent dispute letters to the credit bureaus, in an attempt to remove the fraudulent items from my report, with no success. When XX/XX/XXXX arrived, once again I sent dispute letters to the credit bureaus. This time, one account was deleted, but it was one that had been closed for over 10 years. Ive been doing a little research, and according to the 15 U.S.C 1681 Law, there should be no damages on my report, because its a defamation of my character. Im just trying to obtain a better living space for my uncle and me, and I cant do that because of these negative items.
Consumer complaint received 2022-11-26
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)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX has Violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Account # 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 accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have XXXX  over draft fees during the time of covid when we was not supposed to be charged the over draft fees.the results of there mistake was my account was closed and sent for collection and I had several bad checks as u should say.but when they closed my account I tried to get the XXXX XXXX of dollars off for the overdrafts and they refused.this was during XXXX
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act Convergent has violated my rights : 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 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
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

For the past XXXX years, I have been investigating my credit report and this process has caused severe depression upon me as XXXX, Equifax, and XXXX XXXX reporting continue not to respond toall of my disputes, report inaccurate information on my report, and fails to verify the inaccuracies. Information between the XXXX reporting agencies varies tremendously. XXXX consistently have ignored all of my disputes. I have had my identity comprised several times from my previous employers and even by Equifax. My monitoring of my credit file has unverifiable, invalidated, inaccurate, and questionable items that these agencies were reporting as 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rightsprotected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

Under 15 USC 1681 section 602 A, I have the right to privacy. Under 15 U.S.C 1681 Section 604 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. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information isinaccurate.