davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC (AZ)

I received a voicemail from, FCR collection Services their Phone # XXXX ( XXXX ) XXXX Stating that I owe a debt of {$350.00}, from a service I did not receive from this company XXXX XXXX XXXX XXXX XXXX XXXX  Their phone number is XXXX or XXXX. 

The bill statement date was on XX/XX/XXXX And it states I received services from dates On ( XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was a fake bill.Why would I be receiving a bill two years later from a service that I had in XXXX. 

All of my bills were paid in full directly to XXXX XXXX XXXX XXXX XXXX Their phone # XXXX XXXX XXXX XXXX XXXX when I called them they said I didnt owe anything. 

I believe that my personal information was hacked from XXXX  and they sold that info to FCR collections agency.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank financed my car in 2011. They were overcharging me and my interest went up. I paid my car payments on time and I was able to payoff my car. I do believe Wells Fargo overcharge me on many occassions.
Consumer complaint received 2023-06-13
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. This company the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, This company whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This company never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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. XXXX  and XXXX are not maintaining reasonable procedures. 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.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-01-15
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. (GA)

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

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 7 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 an accurate.
Consumer complaint received 2023-01-21
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. (AR)

This is a complaint I am submitting to you today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : XXXX XXXX XXXX XXXX, XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX CV XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4300.00} XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$110.00} XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX PXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. With the rampant issue of identity theft spreading across the country, I was not spared from the identity theft 's cruelty thus leading to me being an unfortunate victim. Please remove the disputed items off of my Credit File.
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (OR)

I have had a loan through Consumer Portfolio Services for a few years now. They have been calling at all hours as well as contacting references on the loan even when we have made arrangements for late payment ( these contacts of references have included XXXX lying to the reference saying they were seeking to hire me to gain personal info on me ). The calls never stop, they call me XXXX and XXXX  times in a row and them attempt to call my husband. Recently I have made {$2500.00} payment attempting to lower the principal but the company took {$640.00} of that and said it was because of back interest on the loan. We no longer need the vehicle and are trying to sell it to carvana but getting answers about the payoff is like pulling teeth. They are rude and threatening and it is not acceptable. I was advised to contact a Local Contractual Attorney to find out out if this contract is even legal in my state.
Consumer complaint received 2023-01-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (NC)

In 2018 we had a meeting with a sales rep from XXXX by XXXX. We needed replacement windows in the home we had just purchased. When we told the rep how much we could afford he told us we could take out a no interest, no payment for a year loan. We filled out the paperwork and agreed to borrow {$36000.00}. Not long after my husband was laid off from his job and we contacted Greensky and they told us over the phone it was no interest and no payments so we didn't need to worry. It was not until it was to late that we discovered we were actually being charge interest and it was only if we paid of the loan entirely that we would be free of interest. The loan interested ballooned and with the added lose of income due to COVID and my husband being called up for XXXX XXXX with the XXXX XXXX XXXX we have struggled to make any progress on the loan. We have called many times to try and get relief related to both of these issues but Greensky representatives have refused us any relief. Only when we said that we were going to file a report with CFPB did they say they would do an investigation. Now they say they have finished their investigation and they say we still owe {$15000.00} at an interest rate of 24 % that will continue to able to the balance. To date we have paid {$51000.00} total on a loan for {$36000.00} and there is no way we will be able to pay off the remaining balance without more interest applying.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (PA)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - EXPERIAN XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
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. (TX)

I've informed XXXX, XXXX, Experian, XXXX, XXXX, XXXX, XXXX and XXXX about these errors. And haven't seen no update. Due to this matter. It is against the law to propagate false information or to use unauthorized consent of a person Name and information. Could we please diffuse this matter
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my Experian credit profile and I noticed there is are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT names that should be deleted are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  there is an incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that needs to be deleted. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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 2023-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (NY)

in accordance with the fair credit reporting act XXXX account # XXXX, ( American Collections E ) has violated my rights. 15 U.S Constitution 1681 section 602 A states i have the right to privacy. 15 U.S .Constitution 1681 section 604 a section 2. its stating that the consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX we have made an online payment of {$4100.00} from our primary bank 's ( XXXX ) bill pay service to an American Express charge card that we use for business expenses. Later that weekend we have discovered that our payment did not go through and upon further investigation found out that we had accidentally sent the money to the wrong account number which was from American Express but not the correct card. The money went to an American Express card that we had a long time ago but which is has not been active for a more than 4 years. 

That following week we had made a number of calls to customer service centers. We began by contacting American Express, no matter how many times we tried to say that we have the proof of payment they would always state that the account number that we sent the money to has been transferred to XXXX XXXX and we should contact them instead. 

Upon contacting XXXX XXXX with the same account number and proof of payment multiple times and speaking to multiple people each one of them told us that they can not locate an account with that number and they can not locate a transaction using the trace ID from the proof of payment. 

At this point we were sure that the only way to return our money was to go to our bank directly ( XXXX ) and ask the claims department to get it back. However, even there we were told that there was nothing they could do since we were the ones that initiated the payment. After calling in a circle atleast one more time we decided to speak to a banker at our local branch to try to find a solution to the problem. Unfortunately when our appointment time came, the only information they could provide us is to call back American Express with the proof of payment since on XXXX 's side there is nothing they could do. 

We are exhausted and no longer know what to do as each one of the three banks that are involved are sending us in a circle. We hope that bringing attention to this issue can resolve the situation.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I received a notice via the Internet to go ahead and place in a claim because Wells Fargo XXXX money from XXXX to XXXX and I did have accounts with them. Checking savings deposits cash out everything. 
I am waiting for my settlement
Consumer complaint received 2023-01-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I acquired my credit bureaus to check anf make sure everything was complete and accurate according to 15 usc 1681 ( i ). 

I waited 30 days and I haven't recieved nothing here is my tracking number # XXXX. It has been over thirty days.

And one more thing, XXXX, XXXX, and Equifax didn't record the current status of the account being in the disputed status. 

XXXX, XXXX, and Equifax is holding me back from getting a new house and car. This is very fustrating, because I am trying to improve the life of me and my family and XXXX is not doing its job according to the law.
Consumer complaint received 2023-01-15
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. (AZ)

A XXXX XXXX XXXX XXXX account was opened under my name ( XX/XX/XXXX ). This is fraudulent. I called XXXX XXXX to mark this account as XXXX, they proceeded to close the account the same day I called ( XX/XX/XXXX ). I also created a dispute report on Equifax, XXXX, and XXXX ( XX/XX/XXXX ). I had success with XXXX, as they were able to remove the XXXX XXXX Account off of my report, but no success with Equifax and XXXX. 

Equifax stated " the information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - **** The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''. 

XXXX stated the account " has been verified as accurate ''. 

This is false. XXXX XXXX has deemed this account as fraud. Equifax and XXXX has been insufficient in their research. They need to contact XXXX XXXX.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (NM)

I have submitted disputes to Experian, and they have refused to investigate for over XXXX months. 

Reasons given for past refusals to investigate are ( 1 ) false claim of not submitting my own disputes ; ( 2 ) false claim that I haven't submitted identifying documentation ; and now ( 3 ) claim that I have to explain to them what the reason for my dispute is ( see attached email ). 

I have the right, under the FCRA, to dispute items on my credit report and the credit reporting bureau must validate the disputed item for accuracy. 

Experian has failed to do so, and in fact, has made several false claims regarding submitted disputes. 

I ask the CFPB to either direct Experian to legitimately investigate my disputes or delete all disputed entries on my credit report. 

Thank you.
Consumer complaint received 2023-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

On XX/XX/XXXX, I received a letter from Mohela with inaccurate information regarding certified dates of employment. Mohela claimed that the employment dates are incorrect but they are correct. Also, they requested that I complete an enclosed form but there was no form enclosed in the letter that was sent. 

I called Mohela on XX/XX/XXXX several times. I also tried several options but to no avail. The number doesn't prompt the caller to speak to a representative.