davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I applied for a personal unsecured loan with Wells Fargo Bank. I applied at a branch and the application was sent to the central underwriting department. A few days later, additional information was requested and then provided by myself and the banker who had assisted me. The day after that the loan was declined with no counter offers. A few days after that, I received my " adverse action notice '' letter explaining the reason for the decline. The primary reasons for the decline was " too many credit products open '' when this was specified as a " debt consolidation '' with the account numbers and balances provided during the initial application to consolidate and remove several of the " open products. '' " Too many open products '' was exactly WHY this loan was requested. The other reason for the declination was that I " had too much available credit line open '', basically that I had too high of available limits on my current credit cards and line of credit and it was considered too high of a risk. THEN, I received a letter a day or two after THAT stating that my credit card, WITH WELLS FARGO, was given a LIMIT INCREASE. So aside from the illogic of the first declination reason, this one was a self fulfilling decline because I was declined by Wells Fargo for having too much available credit while at the same time Wells Fargo increased my available credit limit. In the long run, the counter intuitive first reason as well as the blatant padding of the second reason caused nothing but damage to my credit for the " hard inquiry ''. I have attempted to reason with the banker and underwriter involved, and was told that there would be no reconsideration, no approval, and no counter offer of any sort. This just seems like an extremely unfair and damaging lending practice, particularly from being declined for a reason that Wells Fargo themselves caused during the loan process.
Consumer complaint received 2019-08-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$980.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXXof 2013 an has been reported to the FTC and authorities as Identity theft.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my XXXX XXXX XXXX and card used my XXXX XXXX information to apply for XXXX XXXX XXXX XXXX  ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

In XX/XX/XXXX I discovered that my credit report reflected a collection account for {$72.00} from XXXX XXXX. The collection agency was Evergreen Professional. I was unaware of this debt or what it was exactly for. I contacted XXXX online, they told me they couldn't provide me with copies of the medical billings. I wrote to Evergreen and XXXX. I did finally receive a copy of billings at it showed I owed {$57.00} ( not {$72.00} ) from a XXXX XXXX. I paid it immediately when received and wrote to XXXX asking them to remove this from my credit report. They cashed the check. 

I had my credit looked at today, Evergreen still has a collection account listed there, this time for a third different amount, {$15.00}. They've listed this collection at {$72.00}, {$57.00}, and now {$15.00}. I have had ZERO response from Evergreen.  They do not respond to letters or disputes. I am hoping you can help and have this removed from credit account. The billing practices of XXXX created this confusion ( never saw the {$57.00} due amount until two and half years after the services ), the numbers have been wrong, and the communication terrible from both companies. Neither XXXX or Evergreen have written to me to explain anything. 

Assistance is appreciated.
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (WI)

In XXXX of XXXX, i received a letter from XXXX XXXX, advising me of a debt that is owed. I called, set up a payment plan, paying 50 % down, and the rest in a series of payments. A week later i was able to come up with the funds, and called them to just resolve the remainder owed. I set up a check by phone in XXXX of XXXX and paid the balance. I never received a receipt for either payment, and didn't hear from them again. Until i received a letter in the mail in XXXX of XXXX stating i still owed the other half of the balance. i called right away to let them know i paid this. The person i spoke with stated she will notate my account as disputed and if they need to contact me they will. I didn't hear anything more from them until XXXX of XXXX when i was served court paperwork. I called them again to find out what had happened with my dispute and the fact that this was paid. They told me that the check in XXXX of XXXX for the 2nd half was returned as not authorized. I never received anything from my bank or from them informing me the payment didn't go through. They have violated so many FDCPA laws by not contacting me back about my dispute, my payment that " didn't '' go through, and then after i paid it 2 weeks ago- they still have not dismissed my court date which is still showing in 2 days as active. I called today to find out why this hasn't been dismissed and they advised it is my responsibility to handle the court case. I again don't have a receipt showing payment in full, so i don't have any ability to show the courts that this has been resolved. This company has made my life XXXX. I have done everything the right way, and yet here i am still having to take care of their mishandling of things. i have sent 3 complaints online, and none have been acknowledged. I asked to talk with their compliance dept and was refused. They said they would have someone call me. Something needs to be done with this company and their treatment of consumers. I paid my bill and i am still having to deal with everything.
Consumer complaint received 2023-02-28
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. 

Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (SC)

This account was opened as a result of fraud. I am a victim of identity theft. 15usc1681b no permission to place on my consumer report. I am not a XXXX member so please shut this card down. I am not in the military either.
Consumer complaint received 2023-02-28
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-28
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. (DC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-28
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. (CA)

The following accounts are reporting on my credit and are incorrect and inaccurate XXXXXXXX XXXX XXXX XXXX, XXXX {$2700.00} XXXX  XXXX. XXXX, XXXX {$100.00} XXXX  XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX. XXXX, XXXX {$10000.00} XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$6000.00}
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (VA)

I would like to file a claim with XXXX XXXX restaurant located in XXXX XXXX XXXX, Florida. The reason is that we came for dinner on XXXX XXXX at this Fine Dinning Restaurant ( XXXX XXXX XXXX XXXX  ) with high expectations, but surprisingly, my wifes order - Cioppino was gone bad with the shrimp extremely fishy. We reported this issue to the manager but still being charged for something we had never eaten. See attached receipt. 

Please step into the investigation and file a claim on my behalf. Thank you.
Consumer complaint received 2023-02-28
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. (AR)

I sent my letter on XX/XX/2023. I told the credit bureaus to " investigate all information '' on the accounts listed. Also attached is the letter I sent to all 3 credit bureaus. 

According to the FCRA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or a 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 accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also some of the accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX  : XXXX XXXX
Consumer complaint received 2023-02-28
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. (TN)

There is a report on my account for a delinquent account from XXXX XXXX. I contacted XXXX XXXX and also contacted Experian directly in order to submit a dispute. XXXX XXXX has failed to respond to me and Experian dismissed my complaint stating that XXXX XXXX provided validation of the debt. I asked Experian to send me a copy of the validation and they refused to do so stating that I would need to discuss it directly with XXXX XXXX. They provided a telephone number to me to reach out to them directly. 

The telephone number that Experian provided does not work. The telephone numbers on their websites do not work. I go through the prompts and the number just hangs up on me. I don't understand how Experian can receive validation of a debt, but can not pass it over to me, and not allow me to contact the creditor directly. I'm merely asking for an accounting of the debt so I can verify and pay it off, but Experian just keep referring me to a non-working telephone number.
Consumer complaint received 2023-05-25
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. (MS)

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  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2019-12-03
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. (IL)

The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I paid off my personal loan with XXXX XXXX XXXX and Equifax has refused to update my loan balance which should be XXXX. Instead the account still shows open with a balance of {$2300.00}.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (UT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are not accurate and should be removed : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX late payment account XXXX XXXX ( Original Creditor : XXXX  ) XXXX collection account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX charge off account I believe that these accounts were reported inaccurately and are damaging my credit score. I have attached supporting documents that show these accounts are not accurate, and I request that you investigate and correct these errors immediately. 

I also request that you provide me with written confirmation of the changes made to my credit report, in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I owed a balance for XXXX XXXX XXXX XXXX XXXX XXXXXXXX and paid {$120.00} in XXXX of XXXX. As of XX/XX/XXXX, the account still has a balance owed. I have tried to call and email XXXX. They will initially respond but once I tell them why I need help I get no response.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information in my credit report. I recently obtained a copy of my credit report and noticed that it includes a charge off account with the account number XXXX XXXX 

However, I want to bring to your attention that the address listed on the report, XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX, is not my current or past address. I have never lived at this address and have no association with it whatsoever.

I believe this inaccurate information has been reported in error and is negatively impacting my credit score. I kindly request that you investigate this matte
r and remove the erroneous information from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 1 ) ( A ), I am entitled to receive a free copy of my credit report if adverse action is taken based on the report. Therefore, I kindly request that you provide me with a free copy of my credit report with the erroneous information removed.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CO)

Radius Global Solutions has been attempting to collect a debt on behalf of XXXX 's that was paid in full to XXXX XXXX. They continue to post negative credit reporting against my report despite the payment being made in full. 

We were in the process of re-financing our home and this transaction required that we receive a payoff amount from XXXX XXXX and rectify the outstanding debt. We received the information from XXXX XXXX for a XXXX payoff of {$3500.00} that was then sent by XXXX XXXX  XXXX to XXXX 's on XX/XX/XXXX and deposited by XXXX 's on XX/XX/XXXX. 

We received additional collection in XXXX of XXXX via mail and responded to them on XX/XX/XXXX outlining the incorrect facts that their purported collections were based on and informing them that they had 30 days to rectify the situation. They responded in late XXXX, via mail again and are maintaining that their collections are valid. 

In XXXX, XXXX XXXX offered a settlement at nearly half of the value that was paid and the value that was paid was the full amount of the outstanding debt. I believe that Radius is performing collection practices that are outside of FTC regulations and local ordinances.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

One day when my card was declined, I called into the bank and discovered multiple purchases that I did not make. The representative told me some of these were online purchases. After filing my disputes for the fraudulent unauthorized transactions, I asked specifically for the names and addresses for billing and shipping for the purchases to demonstrate I did not make the purchases, as well as to assist in any legal prosecutions. 

There are two separate claims because some of the transactions were pending at the time, and I had to call into to file another fraud claim on them once they had cleared. 

The bank decided that I had authorized the larger of the two claims. In their decision letter, the information I requested was not provided, and no evidence nor explanation was provided to as to how the bank came to that conclusion. I firmly maintain that I did not make nor authorize any of the transactions. 

The bank informed me they had decided the second claim in my favor and that payment of it to my account was pending, but I have yet to receive it after almost 2 weeks. 

Claim 1 : XXXX Claim Amount : {$570.00} Result : Bank claims authorized. 

Claim 2 : XXXX XXXX XXXX : {$110.00} Result : Bank decided in my favor, but has yet to pay me back.