davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (NV)

I have received multiple calls from Cash Central XXXX XXXX XXXX. They accused me of cashing a fraudulent check. I explained that I had never used a check cashing service. Then demanded my ss number to identify me. I said no, I have no idea who you are. He yelled and threatened me. I asked for supervior on the first call and he hung up. I called back and asked for a supervisor and was given to a ringing phone/disconnect. Today another call. I repeated the same truth that it was not me and he raised his voice and threatened me with the police. Totally unacceptable!
Consumer complaint received 2022-11-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have tried XXXX times submitting the XXXX attached XXXX  reports to XXXX, Transunion and XXXX via XXXX XXXX XXXXXXXX and none of the companies are taking any action. I need the following XXXX reports processed ASAP.
Consumer complaint received 2023-09-06
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. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-04
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have sent several certified letters to the debt collector in attempts to get them to validate the amount that they are attempting to collect from me on this 6 year old debt. The only thing that they provide is the original sale documents from when the vehicle was originally purchased. I have asked that they send the sale documents from when the car was sold from the voluntary repossession, but they do not provide what I am asking for. They are not providing me with proper documentation that proves that the amount that they are trying to collect is valid.
Consumer complaint received 2023-09-06
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. (TN)

Reporting late payments on report During CovidAccording to the law 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting During Covid in accurate information on my credit
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I recently reviewed a copy of my credit report. I was shocked to see that this was being reported as a charge-off/foreclosure. This is wholly inaccurate reporting. I became XXXX XXXX and was XXXX  and while I was fighting for my life, I had to fight to try to keep my home. Instead of letting my home go into foreclosure, I continued to push for a short sale and that finally closed in XX/XX/2021. The status is wrong. 

This has been hurting me significantly as I am in the process of buying a home for my family. Please remove this account due to it being inaccurate from my credit report as soon as possible.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing INC is representing XXXX in targeting me for an unpaid phone bill of {$1900.00}. This debt does not belong to me. I have had established phone service with XXXX and XXXX. Please assist.
Consumer complaint received 2023-04-09
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. (CA)

Hi im writing about experian and XXXX XXXX i discovered identity theft account on my credit report and tried to dispute it but it comes back as accurate but i never applied for XXXX there are some addresses on my credit report that does not belong to me that were included on ftc report XXXX XXXXXXXX XXXX  Account number XXXX
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (UT)

XXXX : Applied for a checking account with Wells Fargo online after seeing their advertisement for {$320.00} bonus. 

XXXX : Account was opened after applying online. Bonus offer of {$320.00} shows on account opening page. " Your new account is eligible to receive a bonus upon meeting offer eligibility requirements and qualifying activities. '' Account opening page shows my account number and routing number. Invited by Wells Fargo to " consider setting up direct deposit. '' I do so on my company webpage. I setup my direct deposit. 

XXXX : My Direct Deposit of {$1000.00} shows as pending on the account. Also shows as available on my funds. 

XXXX afternoon : Notified via email about Wells Fargo closing my account " Dear XXXX XXXX : Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because we have made a business decision to end your deposit account relationship with Wells Fargo. The accounts are expected to close by XX/XX/year>. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. '' XXXX afternoon : Called Wells Fargo to ask why they are closing my account. They would not disclose. They said it was to manage risk and because of XXXX.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1995 Dear CFPB, I am writing to bring to your attention several violations of federal credit reporting laws and regulations that have profoundly affected my life and financial well-being. I kindly request your intervention and enforcement of my legal rights in this matter. 

Violation 3 : Duplicate Reporting - DPT TREASURY ( Account Number : XXXX ) Violation of FCRA : Section 1681s-2 : Responsibilities of furnishers of credit information. 
I have never had any business relationship with DPT TREASURY, and there is no way that this account belongs to me. This unknown account has been erroneously reported on my credit report, causing significant distress and affecting my financial reputation. 

I implore the CFPB to understand the personal toll these violations have taken on my life. The impact is not merely financial ; it extends to my ability to provide a stable and secure future for my family. I have endured countless sleepless nights, endless stress, and the emotional burden of not being able to achieve my financial goals due to these violations. 

The uncertainty and hardship I face have strained my relationships, affected my mental health, and led to moments of despair. The weight of these inaccuracies on my credit report feels unbearable, and I am reaching out to you, the CFPB, as my last hope for justice. 

I beseech the CFPB to enforce the legal rights and protections afforded to consumers like me under the Fair Credit Reporting Act ( FCRA ) and related regulations. I respectfully request that you investigate these violations promptly and take the necessary actions to compel the creditors in question to : Remove the unverified accounts from my credit report.

Correct any inaccuracies and ensure the accurate reporting of my credit information. 
Provide evidence of their compliance with the FCRA and related laws. 
I thank you for your attention to this matter and your dedication to ensuring fairness in the consumer credit reporting system. I eagerly await your response and hope that it brings the resolution I so desperately need to rebuild my life and secure a brighter future for my family. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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. (NV)

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX My phone numbers XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>, {$1200.00} was taken out of my personal Wells Fargo checking account. This was a bill pay transaction that was sent to XXXX XXXX into an account that is not mine. 

I reached out to Wells Fargo online to start an investigation into this fraudulent transaction. They conducted an internal investigation and on XX/XX/year>, Wells Fargo said that they did not find any irregularities and provided no further help. This was clearly a fraudulent charge because I have never set up bill pay on this account and have never sent money to XXXX XXXX. I have tried multiple times to seek a resolution and to have Wells Fargo look further into this fraudulent charge and they will not do anything about it. On XX/XX/year> I called multiple times to get more information about this transaction but Wells Fargo would not give any information out. Wells Fargo 's fraud department was very unprofessional and very unhelpful in this matter and could not care less about this issue. I have filed a police report on XX/XX/year> in order to escalate this case to the proper authorities.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (NY)

I SENT CERTIFIED MAIL WITH PROOF OF ADDRESS AND ID THEY REFUSE TO INVESTGATE PROPERLY AND DELETE! A UNVERIFIED ACCOUNT THAT FROM PREVIOUS COMPLAINT THAT WAS DELETED FROM MY REPORT WAS SOLD PROOF HAS BEEN UPLOADED SOMETHING NEEDS TO BE DONE THIS IS ILLEGAL
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (DE)

Account name : XXXX  Account number : XXXX Account type : Credit card Responsibility : Individual Date opened : XX/XX/XXXX Status : Closed. {$280.00} written off. 
Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Recent payment : XXXX XXXX Monthly payment : {$0.00} Credit limit : {$750.00} Highest balance : {$340.00} I need used the XXXXXXXX XXXX Credit Card. They renewed my membership with the card without my permission. Once I called the Credit Card Company, They reverse the charge but not the late fees. I never used the cards so have can they charge me ANYTHING. They reverse the charge but never reversed the late fees which i totally disagree with, So they sold the charge to a debt collection agency.
Consumer complaint received 2023-06-21
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to U.S code 1681e, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

I made three purchases at XXXX and XXXX within the same week in XX/XX/XXXX. I used the XXXX and XXXX store card I have through TD bank. I was told my purchases in XXXX could be paid for over 6 months no interest. 

I already had one purchase on my card from over a year prior when I had an 18 month no interest purchase. 

I continued to make my payments as usual for XXXX and XXXX intending to satisfy the first deferred interest balance, then was going to adjust my payment amount to make sure I paid the remaining balance by the end of the new six month period for the new purchases. 

However, without my knowledge or consent, the company applied my payments for XXXX, XXXX and XXXX to EACH NEW DEFERRED PURCHASE instead of applying the payments I made in full to the promotional period ending first. 

I contactes customer service on XX/XX/XXXX to inquire as to why they did this. They then informed me, the the three new purchases each as their OWN MONTHLY MINIMUM PAYMENTS that were taken out of my payment before the amount was applied to the first promotional period balance. I informed them, that this was never communicated to me, and I never agreed to that. Had I known, I would have adjusted my payment amounts to reflect this.

The representative I spoke with, stated to me on that recorded line on XX/XX/XXXX that if I made a payment of {$160.00} that day, they would not charge me the deferred interest. I made that payment while still on the phone with them and thought it was settled. 

In XXXX, I get an email saying my balance is much higher than I expected. And I look, and of course, they charged me the deferred interest. 

I called and spoke with customer service, they said it was too late to do anything and I would have to dispute it. They gave me an email address and told me what to say. I sent them the information via email on XX/XX/XXXX. I heard nothing from them until I called last week to check the status because they still had not adjusted my balance. The person I spoke with on the phone said they had reviewed it and denied it and that it was a " final decision ''. They also stated via email to me today that they sent me a letter on XX/XX/XXXX ( I never got it ) explaining this. 

I called again today because this is unacceptable and all customer service does is tell me they don't have anyone else I can talk to. At every point in my attempt to communicate with this company beyond the front facing customer service I am told I'm not able to speak with anyone.

I resubmitted another dispute via email today, hoping that whoever reads it realizes they are in the wrong, however I have no confidence in this. I can not afford to pay the deferred interest and need them to correct this immediately.

Deceptive marketing practices, improper communication and access to appeals are a big issue here.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OR)

I purchased a Vanilla Visa card for my grandson and he was told there was insufficient funds for his purchase. I checked his account and found fraudulent charges as follows : {$68.00} on XXXX,22 {$68.00} XXXX XXXX/XXXX/22 {$9.00} XXXX XXXX/XXXX/22 {$1.00} XXXX XXXX/XXXX/22 I filed complaint case # XXXX and was told it would be 60-90 days to investigate I finally got a letter saying the case was resolved and I would receive a replacement card.More than a week later I got the card and when I activated I found they returned only {$78.00}. They still owe me {$69.00}. 

I saw a report on XXXX evening news about Vanilla Cards issuing cards with XXXX balance.This company needs to be investigated!
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (MI)

This account ( XXXX ) is not mine I have no knowledge of this account I have been XXXX since XX/XX/2019, in the companies response to my last dispute they told me the debt was issued through XXXX of XXXX I have no knowledge of this account I did not give my verbal or written consent to anyone to open this account or consume any debt this has been placed on my credit report and it's inaccurate because it's not mine