davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (CA)

I am writing to lodge a complaint with respect to Wells Fargo Bank. I sent them letters to validate this account and they continue to return with generic letters. There are two accounts on my credit report from this creditor XXXX.. 
This is the account on my credit file that is the charged off account. 

By definition, the IRS clearly states that a cancelled debt or charge is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says that Wells Fargo is a furnisher of information to a consumer reporting agency.

It is against the law for the Wells Fargo to provide inaccurate information.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication.

Wells Fargo Bank refuses to send me the form. I am demanding you to have them delete this incorrect information and/or furnish this 1099-C form.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (TX)

I am writing due to non-compliance with Equifax, XXXX XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged most recently. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NY)

This is company is reporting my information and i do not have any contract with this company or sign any paper work with wet ink. I ask for validation and nothing was presented. This company is not respecting consumer laws. so below I am letting you know that your company have been very intrusive, YOUR COMPANY IS ON MY REPORT WITHOUT ANY PERMISSION ESPECIALLY WITHOUT A CONTRACT AND WET INK SIGNATURE, BY LAW YOUR NOT SUPPOSE TO REPORT ILLEGAL AND FRAUDULENT INFORMATION. THIS ACCOUNT IS NOT VALIDATED OR VERIFIABLE. REMOVE AND AND DELETE ALL INFORMATION WITH MY NAME/SSN # /BIRTHDAY YOU DO NOT HAVE MY CONSENT TO HAVE OR USED MY INFORMATION. I AM THE ORIGINAL CREDITOR ONLY I CAN VALIDATE THIS ALLEGED DEBT. 


Your company Violated all FDCPA/FCRA, FEDERAL and STATE Laws : 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692g - Validation of debts ( a ) ( 1-5 ) ( b ). 15 U.S. Code 1692j - Furnishing certain deceptive forms.

15 U.S. Code 1692c - Communication in connection with debt collection.

18 U.S. Code 1341 - Frauds and swindles 15 U.S. Code 1692h - Multiple debts 15 U.S. Code 1692j - Furnishing certain deceptive forms Rule 1002. Requirement of the Original Cease and desist validation of debt All collection activity must stop. Stop reporting to the reporting agencies.

Stop communicating.

Stop reporting My personal information. I did not give or ask your company to report my personal information.

Stop debt activity immediately.

15 usc 1692c, I didnt give your company the direct instruction to report this account or others to the agencies.

I refuse to pay a debt that I do not owe. Respectfully DETACHED all information to delete this account from all three credit profiles immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 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 2023-03-03
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (SC)

The last time I spoke with A Navient rep, I informed them that I was involved with the XXXX XXXX lawsuit and received a settlement. I also received a notice telling me my student loans with XXXX XXXX were discharged and that I don't have to do anything else. The rep told me it was federal, and this loan with Navient was private, and I was still responsible for paying. I told him about the discharge I applied for and the lawsuit again ; he said they didn't receive any legal notice or documentation about the suit and my discharge. I asked if there was someone else to speak to, but he just kept saying you have to pay. I didn't understand and asked if he could follow up with the department of Education about this and I could send him my notice. I mentioned that they should look into this because it affects millions of XXXX XXXX who I'm sure were involved. I assume they haven't done that because they continue calling me and my family, trying to collect from me and sending notices threatening default, but no one is helping me get more information. I don't know what else to do to get this resolved. I don't remember who the lawyers are on the case. I have been receiving notices about the discharge, so I'm not sure why Navient hasn't been notified. Can you please help or direct me to someone who can? I also need more info on the case and how this lawsuit impacts my student loans, federal and private, with XXXX XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 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 2023-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo stole money from my account for years as well as taking fraudulent fees. I've been waiting to be made whole ... Now, Wells Fargo executive " XXXX '' says I need to do the investigation, to provide her with info, about the crimes they committed. 
( Info that wells Fargo has ). The USA government ordered them to stop robbing their customers and pay them back.

They won't tell me what department to contact nor will they give a reason and summary of a recent fee reversal. Add though giving me a couple XXXX dollars unannounced or agreed upon, is my settlement, I have had absolutely no contract from wells Fargo, so I called them, a case number has been issued. 
I spoke with a awful woman who ... XXXX... turned crazy on out phone call ... and wouldn't answer my questions. 
*A RECORDED PHONE CALL*. 
I have tried so much to get them to do the right thing... I need help. They are trying to brow beat me into submission, I'm XXXX and can't take it anymore. I just want to be paid back nothing more, now less.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MO)

Account appeared on my account. I have no knowledge of this account. I have been a victim of identity theft. This account is FRAUD! I called in on XX/XX/XXXX and was informed that my social security number did not match any information in their system but it appeared on my credit report. 

XX/XX/XXXX I just spoke with someone and he was helpful. He is disputing the account and stated it should be reported back to the credit bureau within 7-14 days to be removed due to fraud.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I requested for them to apply the refund of the insurance they charged me towards my monthly car payment but they refused instead they charged it off and reported three months late payment on my credit and put it to the back of loan, so they can repossess the car.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (FL)

Hard Inquiries

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (FL)

On XX/XX/2021 this company Credit Acceptance contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer by the name of XXXX XXXX XXXX lawyers, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$6300.00} that they will pursue other actions against me.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (KS)

There has been a derogatory collection placed on my credit file with Jefferson Capital System regarding a XXXX account that I never initiated. This was presented on my report many years ago. I already disputed this item as fraud and it was removed. Here we are again years later and they have placed it unlawfully on my report. This debt is not mine. I never utilized any business with sprint or its affiliates. This is a matter of fraud and my personal information. This item needs to be removed again and permanently from my credit as this is effecting my credit worthiness.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

Affirm is reporting many delinquent accounts on my record, however the merchandise has been returned to the manufacturer as defective. Affirm refuses to remove the charges due to being outside of a 60-day window and expects me to pay on items I do not own.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

I called chime customer service because my chip wasnt working on my bank card. When I called a man answered which I thought was a ( worker ) well it turned out to be a scammer and after I got off the phone call all of my money was out of my account and i had almost {$4000.00} worth of XXXX purchase on my account which I didnt make. I then immediately. Called the fraud department. And did a dispute as of yesterday I received a email saying there was no error and basically my dispute was denied. I reopen the case and do another dispute, and I also made a police report. Because I never made theses purchase I just got into a car accident and this was the money I got for total out of a car now i have nothing to buy a new car
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portland Credit Inc (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2024-02-22
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: CITIBANK, N.A. (GA)

According to law 15 U.S.C 1681 the banking system is dependent upon fair and accurate credit reporting. The 1099-C form reports a cancellation of debt ; creditors are required to issue Form 1099-C if they cancel or charge off a debt of {$600.00} or more. The form must be issued when an identifiable event in connection with a cancellation of debt occurs. According to the creditor Shell/ CBNA my account was charged off in the amount of {$650.00}, reported on XX/XX/XXXX. As of today, XX/XX/XXXX I still havent received any forms and Ive contacted them asking for the proper information. Ive contacted them multiple times including, and Ive been repeatedly ignored. This is a charge off and if this account was indeed charged off then why did I not receive a copy of the 1099-C form from the creditor. Shell/ CBNA has received a tax write off for this debt and I should not have this debt reported on my credit profile. Please send me any forms or documentation showing that you have the right to report this as a debt. If you are not liable to do that please remove this account from my credit report immediately.
Consumer complaint received 2024-02-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (CA)

On XX/XX/year>, I missed a call from XXXX of the Alliant Capital Management agents, XXXX XXXX, whose contact number is XXXX. 
Subsequently, XXXX XXXX contacted my father and my step-mother. During his conversation with my father at XXXX, XXXX XXXX inappropriately disclosed confidential information pertaining to the account, the debt owed, when the loan was taken out, including specific details about the situation. My father promptly relayed this sensitive information to me, and I immediately contacted XXXX XXXX to voice my concerns regarding this unlawful release of private data. 
In response, XXXX XXXX indicated that my father had stated he was managing my financial affairs, which is not the case. Furthermore, my father had recorded the conversation with XXXX XXXX on XX/XX/XXXX, capturing the unauthorized disclosure of account information. 

XXXXXXXX XXXXs website explicitly affirms its commitment to adhering to the regulations governing the collections industry, including the Fair Debt Collection Practices Act. It clearly states, " Please be aware that we will need to verify account holder identity before discussing account details. '' XXXX XXXX 's actions in revealing account details to my father without any verification of account holder identity stand in direct violation of these principles and are wholly unacceptable and unlawful.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

After reviewing my credit report i noticed a fraudulent account listed, namely XXXX XXXX XXXX XXXX # XXXX, in the amount of {$480.00}. I called the company which directed me to an automated service requesting my personal information. I did not submit my social security number. I filed an FTC identity theft report ( # XXXX ). I sent a dispute letter along with the identity theft report to the company via certified letter.
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: LEXISNEXIS (IL)

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 accounts 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 accountsXXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Below the following inquiries were pulled without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (NJ)

On XX/XX/XXXX, 2017, I spoke with Amsher to dispute the XXXX account. I explained to the manager that I did n't owe {$1000.00} to XXXX and that I had never received the itemized bill proving to me valid charges. The supervisor said that she would file the dispute with XXXX and make sure that they send alleged charges to me. She also stated that I would not be reported to the credit bureau. Instead I was reported to all bureaus without a thorough investigation of the charges. I do n't owe XXXX {$1000.00}. Please have them remove this item from my report. 

In that same day you send me a notice telling me you could n't serve XXXX. I advised XXXX the manager that I file a complaint with your office but it could not be served On XXXX. She advised me to give their address. The same day, after being told it would be investigated, they put it on my credit bureau reports.