davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MT)

My address on all my and my wife 's accounts are being changed without our knowledge. We have worked with Wells Fargo for XXXX weeks and the problem persists. They make a correction in their system and in less than XXXX hours our address is auto populated with the wrong address in their system. There seems to be no security to prevent this. My address has not changed in XXXX years with them. This appears to have started around the beginning of XX/XX/2023. We have reported this to the Postal service, the banks, the credit bureaus, the local police, the Montana Dept of Revenue, the credit card companies, the FTC, and now the CFPB. The USPS and a system called XXXX seems to be auto populating our address incorrectly to all mailings and all financial institutions and credit bureaus and credit card companies. Over a month of reporting this issue and it still has not been totally resolved.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I told the credit bureaus XXXX, XXXX, and Experian to " investigate every piece of information '' on the accounts I have listed below and make sure accounts in every single piece on the accounts information is 100 % accurate and no mistakes. If there are any mistakes or inaccuracies please delete all accounts listed below. According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my account were verified but how is that possible?, if they did not do a proper investigation according to the law of the FCRA. There was not a proper investigation done According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. XXXX, XXXX, and Experian did not have personal interviews with neighbors, friends, Or associates, according to the FCRA a complete investigation was not done. XXXX, XXXX and Experian has violated my rights several times my rights and the FCRA. The accounts listed below has inaccurate information. The account names below listed is inaccurate, The payment history listed below is inaccurate, The dates and times of accounts listed below is inaccurate, Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate, and if not it has to be removed and deleted. XXXX, XXXX, and Experian has not did not do proper investigation and now Experian, XXXX, and XXXX is in violation of FCRA Accounts : : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, and Experian has violated my rights several times XXXX, XXXX, and Experian has violated the laws of The FCRA
Consumer complaint received 2023-06-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX. 
[ XXXX, PA. XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Request for Sharing of Personal Information Dear XXXX, XXXX, and Experian, I am writing to formally request that you cease and desist from sharing my personal information with third parties, as allowed under the Fair Credit Reporting Act ( FCRA ). I hereby exercise my right to opt-out of the sharing of my personal data for marketing and promotional purposes. 

Please take immediate action to ensure that my personal information, including but not limited to my name, address, social security number, and credit history, is not disclosed or shared with any third-party entities without my explicit consent. 

I understand that the FCRA grants you certain rights to share consumer information for specific purposes such as credit evaluation and underwriting. However, I am exercising my right to restrict the sharing of my personal data beyond these permissible purposes. 

I request that you confirm in writing that my personal information will be removed from any mailing lists, telemarketing databases, and other marketing channels, and that you will refrain from sharing or selling my information to any third parties for promotional or marketing purposes. 

I expect your full compliance with this request within 30 days of receiving this letter. Failure to honor this request will be considered a violation of my rights under the FCRA, and appropriate legal action may be pursued. 

I appreciate your attention to this matter and trust that you will promptly adhere to my request. Please provide written confirmation of your compliance at your earliest convenience. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (MA)

I filed an on line application for a credit card, bank with DISCOVER CARD, after reviewing additional requirements I couldn't met, I declined their products via phone call., On XX/XX/ DISCOVER BANK card co sent an email request for additional information for complete application processing, according to said request information must be provided no later than XXXX XXXX XXXX 

Discover Bank co disregard my request to promptly cancel my incomplete application resulting in wrongful HARD HIT on my credit report.
Consumer complaint received 2023-06-08
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. (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. 

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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-01-22
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. (NV)

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 last four digits of account # XXXX XX/XX/XXXX {$300.00} delinquent balance as of XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX  last four digits of account # XXXX XX/XX/XXXX charge off {$510.00} transfer/sold Account name : XXXX XXXX XXXX last four digits of account # XXXX XX/XX/XXXX {$720.00} Account name : XXXX XXXX XXXX  XXXX last four digits of account # XXXX {$120.00} charge off Account name : XXXX XXXXXXXX, XXXX XXXX 
last four digits of account # XXXX XX/XX/XXXX is the charge off date {$830.00} Account name : XXXX XXXX last four digits of account # XXXX XX/XX/XXXX {$150.00} charged off {$69.00} Account name : XXXX XXXX  last four digits of account # XXXX and another # XXXX XX/XX/XXXX {$720.00} and XX/XX/XXXX {$530.00} Account name : XXXX XXXX XXXX XXXX only last two digits of account available # XXXX XX/XX/XXXX {$1600.00} Account name : XXXX XXXX  only last two digits of account available # XXXX XX/XX/XXXX {$4700.00} paid and closed Account name : XXXX XXXX XXXX XXXX XXXX  only last two digits of account available # XXXX XX/XX/XXXX {$1000.00} closed 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.

Ive been a victim of identity theft and took all necessary legal measures to remove all fraudulent claims and accounts from my credit reports.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (NY)

Hello, I had gotten behind on payments to this company. They started to send me emails telling me that I can reply and they will work with me on the issue. Everytime I replied it would auto generate an email telling me to call. I will not call as I want everything in writing with this company. I have even gone so far as to file a XXXX  complaint asking for some type of communication and chance to work out a payment plan that I can handle or to defer them till end of XXXX. No response and what they have done now is riddled my credit report with over 30 hits now for late payments, have three different sleazy collection agencies harassing me now - XXXX XXXX XXXX, and XXXX XXXX. Harassing me via my personal phone with texts, harassing me with calls, harassing me with letters now. I still have yet to hear anything from affirm. They have destroyed my credit report. All I wanted to do was work out a deferment plan and then a payment plan till I could get going on them again. I got behind on alot and now and getting back on feet.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo XXXX bank XXXX XXXX XXXX and XXXX XXXX Bank stole XXXX in nsf charges and bank fees from another account. Bank went into my checking to pay it off and is was not authorized.
Consumer complaint received 2021-09-29
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. (TX)

On XX/XX/2017, Experian supplied my credit report to XXXX XXXX XXXX XXXX without my permissible permission for a forged loan.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I've tried reasoning with both XXXX and the credit company now. Neither will accept fault and remove this error. Here is the full story. 

I transferred my phone number ( XXXX area code ) into XXXX XXXX XXXX under a brand new account. The representative on the line apparently opened up two brand new separate accounts without my knowledge. They tied my XXXX phone number to one account, and created a brand new phone number for the XXXX account. So now, there are two accounts under my social security number created on the same date. I am only aware of one. I go about my life and pay my bill as I normally would, without any indication or request to pay for the 2nd account. Eventually I receive a letter in from collections stating I havent paid my XXXX account, but when I log in my account is paid in full, on time. 

I've contacted XXXX and spoken to multiple departments. I've explained my story. They understood my issue and admitted fault, but said they can not reverse or cancel the error. They will not contact the credit company and fix this mess. 

I contacted the credit company and explained the situation. They ackowledge that this isnt my fault and XXXX should fix, but will not remove the error from my account. Nobody is helping me. My credit has taken a hit. This debt is going to be on my account for the next 7 years. XXXX is stealing money from me. This is not fair. I need some sort of help, please. 


Specific details : The correct account number : XXXX ( PAID IN FULL AND CORRECT ) The account in collections : XXXX ( WHO MADE THIS? I did not authorize the creation of two accounts. The representative is trying to scam me )
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo charged overdraft fees and took funds from my account. There is a law suit with Wells Fargo. I have been a member from XXXX to XXXX. I have attached a bank statement to show my account information for the class action law XXXX XXXX 

More than XXXX XXXX people are owed some serious cash from Wells Fargo. If you happened to be a customer of the banking institution during the period of XXXX to XXXX, this could apply to you, according to XXXX. 

The Consumer Financial Protection Bureau filed proceedings against the financial giant for breaking federal consumer protection laws that apply to financial products, and the bank has now finalized a settlement to the tune of {$3.00} billion. In addition to {$1.00} billion that will go towards a victims relief fund, per the CFPB, that leaves {$2.00} billion that is owed in direct payments to the banks customers who may have been subject to erroneous overdraft checking account fees, misapplied payments and foreclosures in regards to mortgages and auto loans. 


Wells Fargo XXXX Account Customers Any customer who was charged incorrect fees may be eligible for the damages payment. This includes anyone who had a surprise overdraft fee for debit card purchases, checks or ATM withdrawals when their account had enough funds to cover the transaction. It also includes anyone who had a monthly fee that shouldnt have been applied. Banking clients may receive up to {$100.00} in damages.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

I have had a XXXX account for about XXXX XXXX. It has been on automatic electronic payment for a long time. 

XXXX. XXXX statement shows a balance of {$550.00} with a payment due on XX/XX/XXXX. 
XXXX. Payment of {$550.00} made on XX/XX/XXXX. 
XXXX. XXXX statement shows payment of {$550.00} received on XX/XX/XXXX, but they charged interest on this XXXX balance (? ). The electronic payment that would cover this " interest '' was not made. XXXX is unable to explain why the electronic transfer was not made. 
XXXX. XXXX statement includes a {$10.00} fee. The electronic payment was not made. XXXX is unable to explain why the electronic transfer was not made. 
XXXX. XXXX statement includes a {$20.00} fee. The electronic payment was not made. XXXXCard is unable to explain why the electronic transfer was not made. 

I PAID MY BILL IN FULL ON XXXX XXXX, have given XXXXCard access to take electronic payments and continue to be charged fines and my credit rating continues to drop. No evidence is attached, because it's all documented in their statements.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im being asked by XXXX the fair credit reporting act states 15 USC 1681 a section number 2 specifically states that under the exclusion that consumers transactions or experiences are not included in a consumers report me being the consumer have read the laws that govern the fair credit reporting act I want to know how and why when its not legal to put things on my report such as late payments when the fair credit act states its not supposed to be on my report it is unfair and illegal to report transactions or experiences when the law state that this is excluded from my consumer report this is for XXXX and transunion who both clearly dont know the law and/ or the definitions the burden of proof is on the creditor but Im being told illegally to give them a police report to remove the things that shouldnt even be on my report this is for the XXXX XXXX  credit cards that as stated is not mines and I have never seen nor touched this card Im asking that they prove that is is me which is impossible and there asking me to prove its not me thats not my job XXXX XXXX bank an XXXX XXXX XXXX XXXX va XXXX phone number XXXX XXXX XXXX in the fair credit act it say that these companies are not governed and have assumed responsibility and have not been appointed the authority to furnish these things on my consumer report please read consumer report definition this account should be deleted and removed completely from my credit report this is illegal please remove immediately from my consumer report congress state consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I ask that the cfpb stand firm in the laws In which govern these agencies to whom is tarnishing my reputation and destroying my credit worthiness.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout the history of this account, I've consistently made sure payments are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-06-22
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: WELLS FARGO & COMPANY (TX)

I recently seen these on my credit report. i did not authorize these. I reached out to all these company 's and they still will not remove them. i want them removed off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX