davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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. (PA)

15 U.S.Code $ 1692g 15 USC 16928 ACCOUNT : XXXX XXXX XXXX XXXX, ACCOUNT : XXXX If you notify the debt collector within 30 days the debt is being disputed according to the FTC ; " Reporting debts first and asking questions later - or not at all - can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. '' A debt collector must do notify you before reporting otherwise quote this ; " [ debt collectors ] violate the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers HOWEVER if they never contacted you at all or you never spoke on phone etc, they did not conduct a reasonable investigation. Sending a letter and you not responding is not a reasonable investigation. So it is still a violation for having a debt reported without speaking to you and validating the debt beforehand.

Usually, debt collectors send a notice and after 30 days of no response, they assume the debt is valid and report from there. This is not legal without verification however the debt collector will make the argument that the notice was given, so please respond to all debt collector notices letting them know you do not consent to any offers to contract nor do you validate any debts.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I have sent multiple letters by certified mail asking for the alleged debt validation and the method on how they continues to validate this fraudulent and questionable items on my credit report. And have not received anything with validation of these clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taken advantage of me as a consumer and this has effected my life tremendously. The most recent certified letter was sent on XX/XX/2023 and they received it on XX/XX/2023. However the company update the reinvestigation status as verified. I have attached a copy of the XXXX XXXX XXXX  verifying that they have no sign contract with I. 

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

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 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 2022-12-21
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. (LA)

15 USC 1681 SECTION 602 STATES I HAVE RIGHT TOO PRIVACY.

15 USC 1691 section 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-04-14
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. (NJ)

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

XXXX XXXX XXXX XXXX bank : account # XXXX XXXX XXXX XXXX XXXXl : account # XXXX XXXX XXXX : account XXXX XXXXXXXX XXXX : account # XXXXXXXX XXXX XXXX XXXX : account # 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 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (CT)

I received a letter in the mail stating, " ... the nature of your request... was illegible ''.

Obviously, this is impossible, since the complaint was transmitted through CFOB electronically.
Consumer complaint received 2023-06-15
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. (NV)

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 without my written instructions.
Consumer complaint received 2018-04-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Mortgage XXXX. XXXX XXXX XXXX XXXX. IA XXXX Subject : Request for specific documents Loan re : XXXX or XXXX Attention : Administration and all inclusive parties involved It recently came to my factual attention that you have a confidential internal data base including relevant information pertaining to the loan and activities evolving during the currency from the origination of the loan until the day you sold the loan at a significant discount to XXXX on or about XX/XX/XXXX. I am requesting all hidden and existing documents with my name on it and in reliance to my person. 

Further it as also came to my attention that the l Loss Prevention Line of Business Referrals unfairly shifted losses caused by fraud to Wells Fargos own customers, many of whom had been victims of identity theft and unauthorized transactions. 


Well Fargos illegal failure to properly investigate reports of fraud and Wells Fargos illegal behavior in wrongfully closing customer accounts. Wells Fargos behavior violated various regulations and laws, including ORS 646.607, ORS 646.608, the Consumer Financial Protection Act, the Dodd-Frank Act, and 15 U.S.C. 45, which prohibits unfair or deceptive acts or practices. 
Please be advised that I have also been a victim of Identity Theft reference year was XX/XX/XXXX. 

Sincerely : XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened two checking accounts on XX/XX/XXXX. The accounts were our " house '' account XXXX and " groceries '' account XXXX. When we opened the accounts, we were required to hold an aggregate average daily balance of XXXX or we would be assessed a {$25.00} fee each month. The fee is only assessed once regardless of the number of accounts. We added two more checking accounts " billpay '' XXXX and " savings '' XXXX on XX/XX/XXXX that were also linked so that their balance was included in the aggregate daily balance. We were assessed no fees through XX/XX/XXXXXXXX XXXX  because our aggregate balance was above {$10000.00}. My wife added a fifth checking account " nana '' XXXX in XX/XX/XXXX where she was the sole account holder. However, when the bank added the fifth checking account, the customer service agent changed which accounts were linked. There are two boxes the customer service agent has to check to link and include the accounts in the aggregate balance calculation. The agent setting up my wife 's account did not check them both which caused the billpay, savings, and nana account to all have their own individual {$10000.00} requirement ( {$1500.00} in the case of the nana account ). As a result of this customer service error, the bank assessed fines on those three accounts intermittently from XX/XX/XXXXXXXX XXXX XXXX XXXX ( when we realized the error ) totaling {$1200.00}. I discussed this error with a customer service representative, and my understanding is that if the accounts had been correctly linked per the original agreement, we would never have been assessed a fee on these accounts. We should have only been assessed {$120.00} in fees ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXXXXXX XXXX  ) on the house account XXXX account. The bank has refunded {$75.00} in fees. I have previously submitted this complaint, and the bank 's response was that I was not an approved account holder on one of the accounts ( Nana ). While this is correct, for one of the 5 accounts ( Nana ) it completely ignores the rest of the complaint. They refuse to answer the phone or return phone calls for the contact information connected with this ( I've tried 11 times now ). So I am submitting this complaint again only for the accounts I am an account holder on ( house, groceries, billpay, savings ).
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KY)

I received an email on XX/XX/23 informing me that my loans had been transferred to EdFinancial and that my account was ready to use. However, I was unable to login. On XX/XX/23, I received an email telling me my original transfer date of XX/XX/23 had changed and I would be notified at a later date once the transfer had happened. I attempted to call the company because I wanted to make a large payment and needed to know my principal balance. I was unable to talk to anyone. On XX/XX/23, I received an email saying that effective XX/XX/23, my loans would be transferred to a new servicing system. I again was unable to reach anyone by calling ( extremely long wait times ). On XX/XX/23, I was able to make an account on their website but was not seeing up-to-date income-based repayment information. I was STILL unable to talk to anyone. On Monday, XX/XX/23, I attempted to login and am now seeing none of my loans. I see an error that my loans will be moved to a new servicing system. I have since been unable to log into my account to view my loans and have been unable to reach customer service. I AM FURIOUS! Interest began accruing at the beginning of this month and I can not pay down my principal! I dont even know what it is!!!
Consumer complaint received 2022-09-09
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. (OH)

In accordance with the fair credit reporting act ; XXXX  account # XXXX has violated my rights. 
affirm account # XXXX has violated my rights affirm account # XXXX has violated my rights affirm account XXXX XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights XXXXXXXX XXXX account # 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
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604a section 2 it also states the consumer reporting agency can not furnish an account without my written instruction under 15USC 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 2022-09-19
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)

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

So, i have a chase XXXX XXXX .. the promotion is that if you refer a friend and gets approve they have to issue you XXXX towards your account of points ears of fidelity of the marriott XXXX I have dealt with them for weeks and promise me that in XXXX weeks will be loaded into the account still waiting, XXXX weeks had passed and no one is able to resolve this matter even supervisors stated there is nothing they can do?? Completely a fraud to the customers deciving them and promise them points when they are failing to comply with the promotions that being offered. Completely unacceptable.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX validation procedure which make this unfair practice. According to the FDCPA I'm entitled to {$1000.00} USD per violation and they clearly violated my rights.
Consumer complaint received 2023-04-14
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. (TX)

I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
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: AMERICAN EXPRESS COMPANY (MN)

I was using XXXX  XXXX XXXX ( BOA ) bill pay service and intended to pay American Express {$1600.00} for in-full monthly payment. In error, {$71000.00} was withdrawn and processed. XXXX did not raise an alert for auto-payment amount not in keeping with historical values. American Expressed received an excess payment of {$70000.00}. Immediately, upon recognizing the overpayment of {$70000.00}, we contacted both XXXX and American Express on XX/XX/2024. All necessary information was provided to lend wire transfer of funds ( typically a request which takes XXXX hours ) back to XXXX. Despite the reassurance of immediate refund of overpayment, no return of excess funds was rendered for nearly XXXX weeks. American Express was contacted on : - XX/XX/2024 by myself- XX/XX/2024 by my husband ( primary account holder ) - XX/XX/2024 by myself with a XXXX associate on the line and also by my husband as primary account holder - XX/XX/2024 by my husband with XXXX associate - XX/XX/2024 contact by me again as there was yet no resolution on the matter or refund of overpayment of funding in excess of $ XXXX. Made several requests to speak to a supervisor and there was reservation to escalate matter with each customer service representative try to " solve the issue '' and reassuring me that " there is a process that must be followed '' and that American Expressed 'needs to investigate the matter ''. 

Frankly, I don't understand what process to be investigated when there is clear evidence of overpayment via an auto-bill-pay mechanism and where is no third-party vendor, goods, or services having been rendered with the transaction. When payment was to be paid, I was informed that I would not receive any interest for having held excess funds for XXXX weeks despite the hardship this posed to me as a consumer. American Expressed would not have hesitated to penalize me with high late fees for non-payment of a bill, even if late by 1 day. Why is it that they can retain rights to hold on to overpayment of $ XXXX for XXXX weeks without any monetary compensation to a consumer? Wire transfers with large banking agencies can be rendered immediately if/ when errors occur.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I admittedly hadnt used the account in some time but expected to of at least of been notified in some way if there was an issue with the account. I call today to have it closed and I was told the bank already closed it with a negative balance I asked if it was reported was told Id have to be transferred. After being on hold for almost 30 min I was sent to XXXX who was very rude and said even though I was already verified in the IVR he had to also verify me by asking for information the bank doesnt have. He was unwilling to reason and said he has flagged my account so no one will help me over the phone. I am XXXX and unable to do so. He mad mentioned that he doesnt care of the implications and welcomes the CFPB complaint. Its unreasonable to require a person to verify again and in a different manner then everyone else as XXXX said he was just doing it to me.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (TX)

XXXX XXXX Amount {$2200.00} This is my final written notice to you before filing a lawsuit against your company for violations. My first letter was sent to you back in XXXX to validate the alleged debt and permissible purposes error and fraud. 
The company did not provide me with the original contract as requested. This company is still attempting to do business with them. Submit all documents you used to create this frivolous account on my credit report. Without my consent you sent and created this debt on my credit report. 
Let me explain you have used my identifiable information without my signed agreement between me and your agency. That express mutual assent from both parties. This is the penalty you are going to face under the 18 usc 1028A aggravating identity theft United States v Kuc737 F3d 129,134. 
After this agency received my complaint, they responded back on XXXX XXXX that they would recalled and returned it to the original creditor. Cfpb case number XXXX. Although this agency stated that they would cease this alleged for which they were unable to proof, they contacted me on XXXX XXXX at XXXX central time. Violation. 

And today XXXX XXXX at XXXX XXXX  central they have contacted me again. 
Attached Screenshot call Consumer Enforcement as Administrative Counter Claim by Private Right of Action Notice to Source Receivable management, I am that I am the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives therefore for the surname/given name XXXX, consumer, and I have been appointed and accepted being the executor both public and private for all matters for proceeding, I hereby claim that I will d/b/a Consumer, XXXX, and autograph as the agent, attorney in fact, so be it. Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only. most high of creation only, whoever that may be and depose the following fact, so be it, now present : No other agency can do business with my name. 

According to the FTC YOU ARE banned from participating in the business of debt collection. You are facing some serious violations.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

According to 15 USC 161a2 these companies XXXX XXXX XXXXXXXX {$590.00} XXXXXXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX. No name is even provided for this company acc # XXXX XXXX these companies are in violation of my rights pursuant to 18 USC 8 , I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4. I did not give written nor verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents