davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (MO)

XXXX called from Advance Finacial 247 and I ask who was calling she stated her name and ask if I was XXXX XXXX she hesitated to tell me where she was calling from. Once she confirmed I confirmed my information. She claimed she was calling on a recorded line to collect a debit on a loan I had. I explained how I could not pay at this time due to receiving only {$54.00} a week in unemployment funds and I have a child to care for off of that. She asked when will I return to work and I explained currently I am in a middle of a lawsuit and all I could do is wait for this to be over. She goes to say well {$54.00} is enough to pay them every week and stated Im refusing to pay. I explained again Im not accepting the verbiage she is using and XXXX not refusing rather unable to pay and care for my child with only XXXX  XXXX. I requested my bank account stop being withdrawn from due to the overdraft fees I continue to receive. I also stated this isnt the first time I requested such. She confirmed they had attempted to with draw funds yesterday. I demanded at this point this be stopped and it was my right and if not Ill contact a lawyer. She went on to say well since youre refusing to pay collection efforts will continue. I requested a supervisor 3xs before being acknowledged and sent over to one. XXXX was said supervisor who came on and stated that shanita put in request to stop withdrawals and said she probably explained it to me it could take XXXX hours and I explained no one explained anything to me and in fact shanita refused to stop all payments. I informed XXXX I requested this to stop back in late XXXX early XXXX when my bank called and asked was it fraud due to the numerous overdraft fees and ach failures related to this company. XXXX stated she doesnt see the request but rather a payment plan discussed around that time. I requested that the recording be played because this was false and she claimed only goes back XXXX hours and no one XXXX be able to go back that far. I stated I dont believe such and that Ill continue with my complaint to the CFPB because I was told by the employee back in XXXX that they could not stop any withdrawals from being deducted from my bank account. I explained I know my rights and that I had a right to legally revoke the authorization to withdraw from my account regardless of any other previously authorizations.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

So I walk into the Macy 's store in XXXX XXXX XXXX New Jersey looking for cologne when a young lady approach me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after I explained the cologne I'm looking for she offers me a credit card I told her I had a good credit score of XXXX and that I would only allow her to do a soft pull she said she agreed several weeks later I get a letter in the mail stating why I was not able to get the car because I'm not using my other three credit cards enough which is not true one of my credit cards had a balance all the way up to {$800.00} that one has a balance of XXXX that I recently paid off so they're saying that I was not active with those cards which is not true and I have evidence of it I will mail you or text or fax you these information
Consumer complaint received 2024-06-22
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. (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 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-07-26
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: EQUIFAX, INC. (IL)

This CFPB Complaint serves as a follow-up to my previous complaint, in which I requested the Credit Reporting Agencies to investigate and remove the accounts resulting from fraudulent activities. On XX/XX/2023, I sent dispute letters to each of the Credit Reporting Agencies, providing copies of my personal identifying documents and the FTC report I received from the Federal Trade Commission, which documented the fraudulent accounts on my Credit Reports. I hereby request the Credit Bureaus to conduct a thorough investigation of the following accounts and promptly remove them from my Credit File in accordance with the Fair Credit Reporting Act Section 605b : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1700.00} XXXX XX/XX/2023 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. I want to emphasize that these accounts were not created by me, nor did I authorize anyone on my behalf to do so. They are undoubtedly fraudulent and must be expeditiously removed from my Credit File. As an added precaution, I have attached the letters I sent on XX/XX/2023, as I am concerned they might not have been received by the Credit Bureaus. This complaint serves as assurance that the Credit Bureaus will indeed receive the letters.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (LA)

In accordance with the Fair Credit Reporting Act Midland Credit Management has violated my rights. 
XXXX XXXX were the original creditors that sold my info/account 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer reports '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Never did business with this company to owe them a debt, they purchased my personal private information without my knowledge or consent.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. These inquiries have negatively impacted my credit score and financial standing. Below are the details of the unauthorized inquiries : Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Inquiry Date : XXXX Creditor : XXXX  Account Number XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX XXXX have not applied for credit with the aforementioned creditors or authorized anyone else to inquire on my behalf. These unauthorized inquiries are inaccurate and unjustly affecting my creditworthiness. I kindly request that these inquiries be promptly investigated and removed from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

Enclosed are copies of documents supporting my identity, such as a driver 's license, passport, or utility bill, as well as any additional information you may require to assist with this investigation. 


Please provide a written response confirming the removal of these unauthorized inquiries from my credit report as soon as possible. Additionally, I request that you send an updated copy of my credit report reflecting the removal of these inquiries. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-20
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. (FL)

" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-12-12
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. (CA)

Ive disputed accounts with XXXX, XXXX, and TransUnion dated back on XX/XX/2022. According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results and to record the current status of the disputed information in which they did not which is a violation I have the evidence below for the following accounts. XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct  # XXXX,
Consumer complaint received 2016-02-22
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc. (VA)

I keep receiving calls from a debt collector saying i took out a payday loan and that i need to pay the debt back. I have taken out a pay day loan before but i contacted that company directly and they has no issues with my account and they told me that the calls i 've been receiving are scammers trying to get money from me. The supposed debt collector will not provide me with any information on the debt they are trying to collect. As soon as i start to ask questions they hang up on me or threaten me with a law suit.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Business checking account with Capital One was closed in person at the branch 3 times and automatically reopened by Capital One due to vendor refunds. 
* Account closed in person XX/XX/2022. XXXX remaining amount of {$140.00}. 
*Account reopened by Capital One XX/XX/2022 due to XXXX refund to account in the amount of {$69.00}. No notification sent regarding reopening of account. A maintenance charge of {$15.00} incurred XX/XX/2022. 
* Account closed again in person on XX/XX/2022. Withdrew {$54.00} from account after {$15.00} maintenance fee deducted. 
*Letter received dated XXXX XXXX, 2022 from Capital One stating account has been closed. 
XXXX XXXX Capital One reopened account again for a XXXX cent vendor refund. Again no notification sent after 3 1/2 months of account being closed that the account was reopened. 
*XXXX XXXX XXXX closed Capital One account again in person. Received XXXX cents.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK (KS)

Commerce Bank has a feature in their app and on their website that allows consumers to receive notifications ( via email and notification pushes on their phone ) when their balance falls below a set amount. I have had this amount set to {$150.00} so I can be notified when my account balance is low. This feature has only worked one time for me. Commerce Bank even contacted me and indicated their system was having errors pushing notifications to consumers ' phones through this feature and they were trying to fix the issue. I never received a confirmation that the issue was resolved. That being said, I have been on hold through live chat or on the phone for over 10 hours combined to notify them that this feature still isn't working correctly. I even turned the feature off and back on again. Additionally, I have had several overdraft notifications due to this tech error. The overdraft placed the negative amount on my Commerce Visa to the nearest {$50.00} increment along with a {$10.00} fee. For example, if my account dropped to XXXX, I would not receive the notification that it was below my set {$150.00} balance and my Commerce Visa would be charged {$150.00} + {$10.00} to cover the overdraft. In the most recent occurrence of this happening, I had a balance transfer in to cover a negative balance on my account, but this was also followed by the overdraft protection. I addressed this with Commerce customer service and asked that the overdraft be reversed since it came the same day as my outside transfer deposit. The representative told me that they would put in the request to have it reversed as I did my due diligence to make sure the negative balance was covered. They stated that a cash advance would be put on my credit card to cover the overdraft. This cash advance did not occur. When I contacted Commerce customer service again, they said that the request was denied and the bank stated it was not their fault but rather mine. I reported, again, that the low balance feature is not working correctly, even when email notifications are turned on for it. I have checked my spam folder and made sure my notifications for the application are on multiple times. I have attached a message sent to me regarding Commerce Bank acknowledging the technical Iissue with notifications.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is a long story that started with a Ch. XXXX BK in XXXX. BK ended in XXXX XXXX. My original mortgage was in XXXX just before collapse of real estate market with XXXX. The mortgage moved to XXXX, then to XXXX XXXX XXXX XXXX, then a shady secret account called XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then to a collection agency : SPS ( Select Portfolio Services ) and now since XXXX XXXX with XXXX, but XXXX still holds the deed. the 2 later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When XXXX transferred it to XXXX XXXX XXXX  they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In XXXX. Yet, after BK was over and SPS took over they kept claiming I owed anywhere from $ XXXX to $ XXXX in unpaid mortgages they couldnt quite get their numbers straightXXXX morning XXXX they called at XXXX XXXX telling me they were going to foreclose on my home. Lovely XXXX gift.. ruining my XXXX. in XXXX, they started cashing my checks electronically from XXXX XXXX which somehow, I never got credit for, so when XXXX took over in XXXX XXXX, they claimed I owed XXXX K approximately. Even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. I sent them all payment slips and proof from bank statements, but in a phone call they said " we do n't care '' ... ... Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XXXX of XXXX. I do not get ANY statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owe over {$7000.00} since XXXX ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in XXXX due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it ... I have never received a proper statement. Every check I pay with, I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink. I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my XXXX K back or at least applied to principal. During XXXX i did n't even get a XXXX Tax form credit of mortgage interest payments to use against my taxes ...
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (AL)

UN-AUTHORIZED INQUIRIES ACCOUNTS NAMES ADDRESSES AND TELEPHONE NUMBERS 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 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
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

these were open not be one online and one in a store which i contacted them several time to prove this was mine they did not the adrees these acct took were wrong. and my privacy and consent has been violated. There is no law stated that these are to be report they closed the acct and still reporting
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accscient, LLC (GA)

Debt with Nationwide Recovery was discharged earlier this year ( this is in my CFPB file ). The debt was sent to Nationwide Recovery in error by XXXX XXXX XXXX which they admitted to when they discovered that they never filed the insurance claims. I put XXXX and XXXX together on a phone call and this was resolved. The problem here is Nationwide Recovery who were instructed to back off, which they did at the time. Now they are coming at me again and impacting my credit rating. Nationwide Recovery is not operating ethically and I need these folks to clean their records and leave me alone
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (MO)

I hope this message finds you well. I am writing to address an ongoing issue that has persisted despite my repeated attempts to resolve it with your agency. Unfortunately, my previous filings of complaint have yielded no resolution, and the fraudulent items I reported remain unaddressed in my credit reports. I must emphasize that this is now the seventh time I am reaching out to you to request the removal of the disputed items, which were evidently the result of identity theft. As a victim of this unfortunate crime, I am determined to rectify my credit report and restore my financial integrity. I have taken all appropriate measures to address the identity theft situation, including filing an official report with the Federal Trade Commission as evidence of the unauthorized nature of these items. I firmly assert that I have not granted permission nor authorized any individual or entity to access my private and confidential records, especially the inaccurate information tarnishing my credit report. Accordingly, I demand the XXXX, Equifax and XXXX Credit Bureaus to take immediate action in accordance with the FCRA Section 605b and promptly remove the following fraudulent items : XXXX : XXXX XXXXXXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$72.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX EQUIFAX : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX