davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

- In the XXXX week of XX/XX/XXXX I replaced my debit card with my Wells Fargo Bank. Card I did not receive. 
- XXXX weeks later, I received a text, It was a notice from my bank that I had declined a transaction because I did not have sufficient funds beyond the required minimum. On XX/XX/XXXX I realized that my entire savings of almost {$8000.00} had been stolen. They just printed out the statement and told me to file a fraud report over the phone. 
- After that, I called to suspend my card and file a fraud claim # XXXX. Of course, they denied my fraud claim. I spent days and hours calling to different numbers to get an explanation or asking for a process to follow in order to get my money back. I have been only getting excuses and not being able to speak with someone that wants to help me, they always keep telling me, someone is going to call you to your phone number ( Never received a call ). 
- The explanations for denying my fraud claim are mainly someone activated my card with a correct pin, and the transactions were realized in the area where I live. 
- I filed a police report # XXXX on XX/XX/XXXX reporting the situation, that someone stole my card and took all my money. 
- Then by my own, I find out that my mail has been manipulated, not sure if there is someone in the property where I live. I also present a claim with them XXXX. And that someone activated my card on XX/XX/XXXX in an XXXX in XXXX / XXXX XXXX XXXX XXXX XXXX, California XXXX United States ( XXXX XXXX XXXX. 
-In the middle of this situation, I tested positive for XXXX, not being able to work, with no money and nobody helping me. And also, they are charging me extra fees for no having enough money in my bank account. 
- The last update to my case was on XX/XX/XXXX, I went to the bank where my debit card was activated in order to get the videos of the person, or a detailed investigation to probe that It was not me and that I need my money back. I also present a Service Claim # XXXX.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one consumers credit card, charging me {$38.00} per month late fees, I pay all my bills every month and have done so for years. They also reported a missed payment to credit bureau and couldn't even explain which month and this dropped my score by 50 points. I pay all my bills around the XXXX to the XXXX of the months. But this capital one will charge late fees after one day.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX  ) that a XXXXXXXX XXXX XXXX XXXX  account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL 3 CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX as well as Transunion and XXXX due to accounts being reported to my credit report with account owners that have a similar name. The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A XXXXXXXX XXXX XXXX XXXX ACCOUNT. XXXXXXXX XXXX customer service and supervisors have not aided in resolving this issue. 

I filed a dispute with all 3 credit bureaus in XXXX. Transunion is the only credit bureau still reporting the fraudulent names, addresses and XXXX XXXX credit card account. 

I mailed transunion : Dispute, Drivers license, Social security card, Birth certificate, Police report, FTC report, and Utility bills. Transunion sent a follow up letter requesting the same exact information I had already sent via priority mail. I resent the same documentation AGAIN in XXXX certified mail. The tracking number shows it was delivered. Transunion still decisions my case as the debt being valid even after claiming not receiving my documents that I sent TWICE and receiving correspondence from them stating they cant block and delete the fraud unless I send required documents, which I have done. 

I submitted ANOTHER dispute to Transunion in XXXX via XXXX and I uploaded all required documents. I have yet to get a response on the dispute. Please review it and remove the fraudulent information from my report as this is affecting my life and I can not find a place to live due to this.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

When I was dispute items on my credit report on XXXX I saw another SSN on my profile that not mines ended in XXXX and they told me it's no other one on my profile I told it's on the dispute side and asked me to call to dispute I asked to speak with a manger on Saturday XX/XX/22 and he couldn't see the he saw it on another login screen and said he was gon na put in a ticket for maintenance to remove it and escalate to remove two items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX That not mines I keep disputing these item and doesnt want to take it off especially when I say another ssn on my report and my name was spelled differently on there as well
Consumer complaint received 2020-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

Good evening, Consumer Financial Protection Bureau. I kindly pray you are blessed today. I am in need of assistance regarding issues concerning unexpected fees. After the first payment was made, there were funds that were partially to be utilized for important things, e.g. food. The balanced was counted ; it appears as if the company waited until the first payment was made to assess fees. As a result to this, there were decline fees that were unexpectedly assessed. This had brought to an inconvenience. There have been other inconvenience fees that had taken place with the transactions. I am communicating via CFPB because it costs {$1.00} to communicate as a peacemaker. Also, I have recently been in the hospital. I am please kindly seeking for the Consumer Financial Protection Bureau to process this respectful complaint.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am writing to express my extreme disappointment in the lack of resolution regarding the negative items still being reported on my credit file. Despite my previous complaints and assertions that these accounts are unverified and inaccurate, your department has failed to take urgent action to rectify this matter.
Consumer complaint received 2022-12-27
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. (AZ)

Experian has repeatedly failed to investigate the accuracy of multiple accounts reporting on my consumer file after repeated attempts were made by myself to have the inaccurate accounts verified via a full investigation. Experian keeps claiming that these alleged accounts belong to me and are reporting accurately without providing any proof supporting these claims. Experian repeatedly fails to provide me with complete documentation that would support their claims as is required under the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ]. I intend to litigate if this information is not DELETED from my report immediately. I will be filing a complaint with the Secretary of State and the media regarding Experian 's multiple FCRA violations in addition to the above stated violations. Experian has caused damage to my reputation and livelihood.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

In XXXX, we returned our lease vehicle to XXXX  XXXX XXXX XXXX ( RI ) that was leased through Toyota Motor Credit Corporation ( TMCC ). A few months after turning in the vehicle and being told that because we were leasing another Toyota vehicle we would not be charged any wear/tear fees, we received an invoice for {$720.00} for wear/tear/tax and other miscellaneous receivables. We fought this invoice but ended up paying the {$720.00} through XXXX XXXX XXXX and that check was cashed on XX/XX/XXXX. A few weeks ago I was contacted by XXXX XXXX XXXX stating that I owed an outstanding balance of {$260.00}. I advised them that I had cleared up my balance with Toyota and requested a copy of the bill they claim I owe. I received a " Validation of Debt '' from XXXX XXXX with a letter from them stating the balance they claim I owe and a copy of the {$720.00} invoice ( that was already paid ). I spoke to representatives at both XXXX XXXX and TMCC and neither company could verify this amount in their systems, TMCC representative XXXX on XX/XX/XXXX stated he was unable to see this remaining balance in the system and the only amount he could see was the {$720.00} that was paid. I advised both companies that I would pay the invoice if they are able to provide me with an actual invoice outlining what the charges are for. I have requested XXXX XXXX to cease and desist contact with me and my relatives and will be sending a letter to TMCC demanding a letter stating that my account is paid in full and no future collection agencies will contact me, and to update my credit bureaus, if in fact this was reported to the credit bureaus.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Upon reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies in the reported accounts.. 

Reporting in EQUIFAX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Reporting in XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report Reporting in XXXX : 1. Under 15 USC 1692g. Validation of debts XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-05-24
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. (FL)

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these FRAUDULENT accounts listed IMMEDIATELY.
Consumer complaint received 2022-12-27
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. (WA)

Im a Victim of fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the Experian XXXX data breach and the XXXX data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over 100 points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.
Consumer complaint received 2022-12-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/XXXX, I visited a car lot in search of a XXXX XXXX, I provided the salesperson with my Identification and Social security card while I looked at vehicles, he ran my credit. He told me I was approved for a XXXX XXXX XXXX for {$7500.00} down payment. Upon signing the agreement, I noticed that my name was not my correct name, it reflected my Middle name, I asked why, he said it was just to make sure that I was approved. Thats predatory, and not only predatory, I never gave permission for this.
Consumer complaint received 2023-05-24
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. (MD)

To Experian XXXX and XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2023-05-24
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission. I have also enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2020-01-13
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. (FL)

THE DISPUTED ACCOUNTS ARE CLOSED AND IT HAS BEEN HINDERING MY CREDIT REPORT. THOSE TRANSACTIONS THAT ARE BEING REPORTED WERE NOT DONE BY ME. PLEASE HAVE THESE DEROGATORY MARKS OFF MY CREDIT FILE. PLEASE REMOVE DISPUTED INQUIRIES LISTED.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-01-13
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. (MA)

I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX  credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report. I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to the credit bureaus and to the companies. Finally, I filed a complaint to MA Attorney General 's Office about this issue.

Despite all these efforts, XXXX  and Equifax still keep the record of a car loan account with the XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was not in the US. 

This affects my life very badly because of the damage done to my credit history.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NV)

I have been working to gain clarity of a matter with Convergent Outsourcing since I first received correspondence from them in XX/XX/XXXX. They sent me a letter dated XX/XX/XXXX that resembled a paper check from the outside of the envelope. Once opened, there are several different mailing addresses listed on the letter with repeated mention of XXXX  XXXX  XXXX, XXXX WA for accepting payment, the same address solely listed on the envelope without a business letterhead or address. After sending a debt validation letter, it was over 42 days before I received a response claiming a verified debt with attempts to collect, almost two weeks past the federal law limit. 

The documents received did not outline liability for the debt nor did I receive detailed information including proof of legal status to run this collection account, per my requests. I did my own investigation and learned that not only is Convergent Outsourcing 's po box address is not listed on their foreign business license in the state of Nevada ; but the information that I asked to be provided and had to find out on my own is unfair and inaccurate. Everything mentioned constitutes FDCPA violation also breaking Nevada state law. ( NRS 649-370, NRS 649-375 ( 2 ) ( 4 ), 15 USC 1692e ( 2 ) [ a ], 15 USC 1692f 808 [ 1 ] ) According to my records, after sending an initial debt validation letter XX/XX/XXXX, Convergent Outsourcing received my request letter XX/XX/XXXX. The letter I received back is dated XX/XX/XXXX but postmarked XX/XX/XXXX. This is another deceptive practice to attempt too collect upon a debt not owed. On XX/XX/XXXX, I sent a letter requesting further detailed information again regarding this purported debt noting the clear FDCPA violations already made. However, 30 days later and I haven't received a response. 

After reaching out in accordance to the FCRA, requesting verification of this account and demanding proof of legal rights to furnish confidential and personal information, Convergent Outsourcing has failed to follow up or give any details into their erroneous ways in a timely fashion. This account is linked to fraud activity/erroneous reporting from ( XXXX XXXX ), which is currently reporting on my credit. I need correspondence for my records to correlate the facts of this inaccurate matter and Convergent Outsourcing has made it beyond difficult to maintain proper recordkeeping by attempting to collect a debt under deceptive practices as well as unethical business structure.
Consumer complaint received 2019-11-26
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: Avant Credit Corporation (CA)

XX/XX/2018 XXXX/avan made a fraudulent hard inquiry to my XXXX  report. XXXX   has been unwilling to help me address the extensive fraud on my report and instructed me to contact each creditor. I have been unable to reach this company on my several attempts by phone.