davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX Acct : WELLS FARGO XX/XX/XXXX Acct : XXXX XX/XX/XXXX Acct : XXXX On XX/XX/XXXX I sent a letter along with a clear copy of my social security card and valid ID by XXXX Mail XXXX XXXX XXXX to the credit bureaus to verify the accounts and debt on my credit report. ( XXXX ) sent back a letter stating that everything has been verified correctly but is still showing inaccuracies. ( XXXX ) sent back a letter stating they were unable to locate my credit file and to send XXXX forms of identification which was already sent along with the letter of verification on XX/XX/XXXX but is still reporting inaccuracies. And ( XXXX ) has yet to respond to my letter of verification in regards to my credit report but signed for my mailed letter on XX/XX/XXXX and my new credit report is still showing inaccuracies. 
I pay a monthly subscription to XXXX XXXX XXXX XXXX XXXX XXXX to receive my credit report every month which will be attached. 

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 that the information is inaccurate.
Consumer complaint received 2022-12-01
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. (IN)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (GA)

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 XXXX XXXX XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX Adjusters ) # XXXX, XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC (MD)

On or about XX/XX/2023, I received a suspicious email from XXXX XXXX XXXX XXXX XXXX, a debt collection agency in XXXX XXXX, CA. The email stated, " Welcome to XXXX Your XXXX XXXX XXXX  account has a new home. As a new consumer, we'd like to offer you an opportunity to discuss flexible payment options, including bi-weekly payment options, to resolve this account. '' It indicated that the account was transferred from XXXX XXXX XXXX ( original creditor ) to XXXX XXXX XXXX XXXX XXXX ( servicer and owner ) with a balance due of {$930.00}. However, the notice failed to include notifications required by 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ) and FDCPA 1006.34-1006.42. On XX/XX/2023, I received another electronic notice from XXXX XXXX XXXX XXXX XXXX escalating their debt collection practices. The email was a pre-legal notification stating that if I failed to pay by XX/XX/2023, " XXXX XXXX XXXX XXXX XXXX is considering forwarding this account to an attorney in your state for possible litigation. Please make arrangements to resolve your account. Once you have completely fulfilled your payment arrangement, you will be released of the obligation. '' The notice did not include required dispute disclosures. In addition, it is suspected that XXXX XXXX XXXX XXXX XXXX has been placing harassing phone calls since XX/XX/2023, through a blocked number ( " unknown caller '' ) to avoid dedication. Approximately XXXX days after the electronic notification on XX/XX/2023.
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items listed in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (VA)

Company reported this problem does not belong to them ( XX/XX/2023 ) Company pulled 4 hard inquiries ( discrimination ) no reason for them to pull these requests at all
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX, my unemployment sponsor issued me benefits on my card through Bank of America prepaid and all my benefits were stolen from me. Ive open a claim and its been denied, Ive sent over my id and police report to the bank and they did a reconsideration to open the claim again. Its been weeks with no updates or no money back in my account. This is ridiculous, its the holidays
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A personal loan was applied for and distributed fraudulently in my name on XX/XX/XXXX. I do not have access to any of the accounts involved. I have contacted the credit bureaus and the original furnisher and received a response from XXXX on XX/XX/XXXX. They also requested a copy of my ID and bank statements via email on this date. I submitted the documents that were required from me on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation that my inquiry is being investigated. I have yet to receive a response from XXXX.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (IN)

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Consumer complaint received 2018-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I originally had a loan from XXXX and this past spring I looked into loan forgiveness because I am a XXXX XXXX. I applied to what I thought was a federal program and somehow XXXX XXXX has acquired my account. I am not sure how that happened, what they are charging me if there was a fee to switch which I had no intention of doing, I was just answering qustions mailed to me. I thought I was getting loan forgiveness but apparently I did not get loan forgiveness I got a new lender instead.In XX/XX/XXXX I recieved an email that i was a few weeks late on my payment so I paid that along with XX/XX/XXXX. I do online banking so I see when it when out and when it was cashed which was on XX/XX/2018. They sent me another email after that stating i was even more late so I emailed them via their website and received no response. Today I got another email from them stating that I am evn more late so I called them. They said they have nothing on file that I paid and they did not recieve my email. I then asked for a direct email so I would have proof, the rep kept arguing with me to just use their site and I refused since I had used it and thwy have no record of it. I have proof they cashed it and I have a confirmation number. They need to fix that and not ruin my credit and they need to be investigated for ilegal practice of aquiring accounts. They have 666 complaints on XXXX about collection practice and a F rating.
Consumer complaint received 2015-12-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

In 2013 I was charged over {$30000.00} in overdraft fees. It started slowly but snowballed due to the fees drawing my balance down to where other checks and debits were also assessed fees. I was given phone # 's to call of people who no longer worked there. I was always given the hope the overdrafts would be reversed. I have later learned that if I had banked anywhere else I would no have incurred any of these fees. Due to the practice of posting debits in front of credits. In all of 2013 I never bounced a check. The money was there for both the checks and the fees. On XX/XX/2013 they closed my account at the same time charging more fees. Shortly after closing my account they accepted a {$6000.00} wire and held it for a week and accessing fees before they released it. 

I have tried hiring a lawyer but no-one will go up against Wells Fargo. I had given up hope before my nephew who is pre law gave me your web address. 

Please Help! I lost my business over this. 
XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

After viewing a copy of my report, I noticed a collection account placed on my credit report from JPMBC -Card Service on XX/XX/XXXX in the amount of {$12000.00}. First and foremost, I have confirmed that the debt collector JPMBC -Card Service is not licensed in the state of Florida to collect on this debt. Secondly, JPMBC -Card Service violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to JPMBC -Card Service? Fourth, I have submitted several disputes with the credit reporting agencies ( XXXX, XXXX, XXXX  ) and provided them with valid proof of police reports, not XXXX but XXXX police reports stating and showing that I am a victim of Identity theft and that this alleged dept is mine. Its been 7 YEARS and this still is reporting on my credit report. Ive called the credit reporting agencies and they told me that this should be removed by XXXX of XXXX, however I am requesting and demanding that this be removed immediately! I have never heard of them, have no written contract with them and have never received any benefits from them, yet JPMBC -Card Service has submitted negative information to all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ) against my name and social security number and is demanding payment from me in the amount of {$12000.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that JPMBC -Card Service provides me with competent evidence that I have any legal obligation to pay them. I asking that JPMBC -Card Service to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand JPMBC -Card Service immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX I also demand JPMBC -Card Service agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that JPMBC -Card Service agrees to remove my personal information from all accounts in its companies database.
Consumer complaint received 2023-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (MI)

Due to XXXX my income decreased tremendously Ive reached out to flagstar several times and have yet to receive any information or helpful assistance to keep my home. I have told them several times my home is occupied and I would love to keep my home. I was recently approved for the Gov assistance grant for XXXX dollars since Ive been calling flagstar everyday. Finally they told me they received it I asked the customer service rep for flagstar how much more did I owe he told me the would reach out in a few days. I never received a call or email. Every time I call and speak with a supervisor or customer service rep I get the same exact run around every time. They tell me they will give me a call back and it never happens. It seems as though there allowing time and interest to accumulate theyve already received the Gov. grant its going on two months. I need my home I have XXXX children and this is our only home.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I noticed that Trans Union is reporting my Experience with XXXX  XXXX, XXXX XXXX, XXXX XXXX  and me. The balance I have with XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  and me is characterized as utilization on my consumer report Trans Union is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions or Experiences between consumer XXXX XXXX and the person XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that is Making the report is NOT INCLUDED ON MY Consumer Report XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has attempted to remove the balance section. Trans Union keep putting the balance back on my consumer report
Consumer complaint received 2023-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (LA)

In XX/XX/2022, I was contacted by XXXX about an outstanding debt due to XXXX XXXX for an account opened fraudulently in my name. The amount of the alleged account was {$110.00} for account number XXXX. I immediately filled out a form with the FTC noting my identity had been stolen to open up an energy account for property in Texas. I've never lived in Texas. I live in XXXX XXXX, Louisiana where I am a practicing XXXX  and own my XXXX. I printed out the affidavit and information from the FTC 's website and sent it to XXXX XXXX of XXXX XXXX. I followed the law and properly reported to all three credit bureaus the fraud and identity theft ( all done on XX/XX/2022 ). I spoke with the representative from XXXX and she told me that they reported the debt was unfounded to XXXX XXXX. Nonetheless, XXXX XXXX has now forwarded this illegal debt that I do not owe to another debt collector ( all in violation of Federal Law ), Online information services sent me another debt collection letter on XX/XX/2022 for the identical account. XXXX is now shopping credit collection agencies to collect against me a debt that was secured illegally in my name. All of my ties are to Louisiana. I have never lived in Texas and it is very clear that I would not have ever opened up this account for this apartment they claim. Any company that shops an alleged open account to credit collection agencies after determining that the account was illegally opened through identity theft should be fined. I encourage the CFPB to target XXXX XXXX for an investigation. Who knows how many other Americans are being targeted for accounts that XXXX should never have opened in the first place. Someone clearly impersonated me and there was obviously no checking of credentials or information before opening this fraudulent energy account. I now have to spend my valuable time fighting this fraudulent debt again.
Consumer complaint received 2023-06-02
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (KS)

I have a card with Care Credit. I have been trying to get 2 remaining balances zeroed out for a year. I made a payment & a few days later I called & spoke with an agent. The agent assured me the balance would fall off my account in 1-2 billing cycles-it hasnt. Each time I call, an agent tells me the 2 balances I have are off my account, but they cant be because theyre still there when I login in to the app to check. I have provided a screenshot of the two balances that I am referring to. The balances have since gone up since the photo was taken. I know these balances are still there because Im still getting charged interest. I am being lied to each time I call. I think theyre lying to me so I keep getting charged interest.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am victim of identity theft as result of my purse being stolen with my SSN & Bank cards and other personal information. I need to have my credit report updated to remove the fraudulent accounts and old addresses that were used to open fraudulent accounts. I have filed a complaint with the FTC for the identity theft.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I contacted USAA credit card department on XX/XX/22 in regards to my USAA Visa credit card with them. The card is now at a XXXX XXXX interest and it is becoming harder and harder for me to pay this bill, especially when more than half of the payment, is going towards this interest. I explained to a representative my situation and that I needed to place this card under hardship, even if it meant closing/freezing the account, as long as I can get out of debt more realistically. The representative put me in a XXXX hold and later came back stating that unfortunately they did not lower interests for accounts. I asked XXXX more time that I understand but that based on my situation I understand if the account will potentially be closed, USAA closed my checking account with them already after more than XXXX XXXX of membership, so my only priority was to get out of the card debt sanely, and that I was not expecting to keep the account open for the payment arrangement so I would not be using it. She once again put me on a XXXX hold and came back stating that she was sorry but that the option I was requesting was not offered by XXXX.
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Palisades Funding Corporation (NY)

I when to buy a car on XX/XX/2020 at XXXX XXXX In the XXXX New York XXXX made a down payment of {$22000.00} for a used XXXX XXXX. ..the price of the car was {$33000.00}.. I was told I need to finance the rest rest .. the salesman come back with a loan for {$25000.00} palisades fund co . I ask why so much. When I ask why. only have about XXXX left on the car he said after I pay it the rest would go back to the company. So I sign a 2 year deal to pay the balance. After 2 year I receive a paper say thank you for you service my title would be in The mail. I got a call about a week after saying it was a mistake and I still owe on the car. I went on vacation and was late on the payment by 4 days. They towed away my car and force me to pay XXXX to get it back. I need help .. because I believe they have broke some consumer laws