davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I'm disputed and requesting the proper investigation of Inaccurate non validated information being report by the thee bureaus. XXXX they are currently reporting 6 total accounts 4 open, 2 closed, and 2 delinquent which is not validated and also being disputed with those companies as well. XXXX has XXXX as open and those accounts currently have a balanced paid in full. They have self/lead closed with 0 balance. XXXX is also reporting 10 unauthorized and inaccurate inquiries from various companies without my permission and are defaming my character as a consumer. Experian currently has my current address incorrect, reporting 8 accounts 6 open accounts 2 closed, 2 delinquents 3 inquiries. XXXX is currently showing 8 accounts totaling 6 open accounts, 2 closed, 2 delinquent and 2 inquiries. In light of the investigations that have been bought upon XXXX and XXXX I find that my consumer report is being irresponsibly tampered with with all three. I asked that respectfully all inaccurate information be removed and or properly investigated/validated as per federal law I'm owed accurate and fair reporting.
Consumer complaint received 2023-05-08
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)

A month ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-11-19
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. (IL)

CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (AL)

Kickoff Lending reported to XXXX that I was 60 days late on my payments. this is not the true, I was never late on my payments. I was always on time. I paid the loan off a very long time ago. There was a saving account that I took out but I tried to cancelled it two months later, I sent them e-mails and messages for over 2 months and no one answered me back. I told them I wanted to cancel the saving account but I never was able to get anyone to response back to me for over two months, I had to finally send them a letter asking them to please close the saving account. They put it in the credit bureau that I was 60 days late but if they had answered my e-mails and messages they would have known I ask to close the account but they never responded to any e-mails or messages. They told XXXX I was late on the saving account but I ask to close the account but they never responded back to me until I sent the letter, They said they would change it with XXXX but they never did. I want them to correct their mistake.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

This is the account end in XXXX problem caused the account funds being low. fact are TD bank repeat again and again send XXXX debit back number of time charge the consumer the fee and still return the item TD bank have always paid my and my wife XXXX debit item for over year and they would assessed a fee of 35.00 me and my wife would immediate take the step to resolve. the represent explain that we had the overdraft protection but still send the consumer a letter stated that the item was completed and assessed the fee of 35.00. the evidence show that this took place over a time. 100.00 of 1000.00.
Consumer complaint received 2019-12-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Disputed Fraud charges reoccurring on continuing billing. Charges credited as adjustment, then charged back as new transaction on account. Charges never authorized.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (FL)

During the end of XX/XX/2022, a car salesman and the XXXX used high pressure sales tactics to persuade me to trade-in my XXXX XXXX ( containing the high demand " chip '' ) for a used XXXX XXXX that had a morally hazardous Wells Fargo loan attached to it. 

A few weeks into XX/XX/2022, I endured financial hardship. I communicated with Wells Fargo several times to inform them on the situation. The first finance payment wasn't due till XX/XX/2022. 

Communicating with Wells Fargo from XXXX to XX/XX/2022, I paid what I could to keep the loan in good standing and informed them on all updates. 

During a weekday in the XXXX week of XX/XX/2022, I wake up at XXXX to the sound of the XXXX alarm ringing. A tow truck and what it seemed to be a repossession agent trailing the tow truck already had the XXXX on the belt and was taking the car away. I flagged him down to gather my personal belongings before they both drove away.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have tried numerous times to contact Wells Fargo in ref to an illegal foreclosure. I lost my property XXXX XXXX XXXX XXXX XXXX XXXX XXXX in either XXXX or XXXX. They claimed I never paid my mortgage, lie number 1. Then they claimed my payments went into an escrow account, lie number 2. Then several attempts to apply for a modification which went nowhere. Since then it's my understanding a settlement has been reached and since I have had to move several times since then I still have not received any notice of settlement from from this institution. ( Wells Fargo ) can you help me? XXXX XXXX XXXXXXXX XXXX was their servicing company.
Consumer complaint received 2019-12-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I had pay my debt down considerably over the 2 year period. Made all payment on time and paid more than the minimum payment. At the end of the year I notice my statement was back up to the maximum amount of my available credit, so I called to see what was going on, since I had not been to my XXXX, and this was the only thing this card was ever used for.I was told, there were two " promotions '' that expired and I was now being charged a deferred interest beginning from when I first signed up for this service? Mind you I was in the XXXX  chair, new nothing and was only told on the phone it was an interest free for 18 months program! Nothing was mentioned of the deferred interest as no one would play that game. This company is abusing consumers. Of course the person you get at the call center is just a person paid to answer the phone. They are very reluctant to even put you through to a human.
Consumer complaint received 2022-01-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (TX)

I applied for a debt consolidation loan with XXXX and I was told I was denied using information from FactorTrust and XXXX. I accessed my FactorTrust report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my XXXX report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed XXXX the CFPB yet XXXX refues. I was denied a loan I need due to all the misinformation provided by XXXX and FactorTrust. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was discharged in XXXX. If XXXX refuses to remove I demand under 15 U.S Code 1006.34 that XXXX explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If XXXX is the parent company of FactorTrust why do they have different information for me on their files.
Consumer complaint received 2024-04-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I have received many Vanilla Visa gift cards worth {$620.00}. I have tried to use them at many physical stores such as XXXX XXXX, XXXX, XXXX XXXX and XXXXXXXX XXXX. I have also tried using them on XXXX, XXXX, XXXX, XXXX and various others. The cards state they can be used anywhere XXXX is accepted, but that is simply not true. They also state on their website that they gift cards can be added to my XXXX XXXX, which is also untrue. I have contacted Vanilla Gift cards twice ( XX/XX/24 and XX/XX/24 ) and was told both times all they could do was reissue the cards and that maybe I was not using them correctly and to try a different retailer. Each time they have been used at a retailer, they have been keyed as credit/debit cards just as Vanillas customer service has stated. I have confirmed that all of my cards are active and do have funds on them. If XXXX of their XXXX cards do not work, reissuing more cards will not help.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NC)

I worked with Chase to pay off a charge off that I was no responsible for due to a previous company I worked for that closed and had used this card as my company card. After years of fighting with the company, I decided to work with chase and settle the debt to just make it go away as it was ruining my credit. I completed and paid in full. Chase acknowledges, yet, has not updated my credit report and will not send me anything via proof wise so I can continue with a pending home purchase. They noted they would send something in the mail, but to date, they still have not mailed anything. I called again letting them know the situation and the loss of a home and deposit due to them not sending me proof that I did the right thing and paid it off and they were very unmoved by any of it. So now, I will lose so much because they just can't be bothered to report timely.
Consumer complaint received 2019-12-26
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: BBVA FINANCIAL CORPORATION (TX)

This is an addendum to complaint : XXXX I was told BBVA needed more information to dispute the charge on XX/XX/2019. They mailed a letter that day with the requested information. It arrived XX/XX/19 but I did not get it until XX/XX/19 due to the holidays. The due date for the materials was XX/XX/19, one day before the letter arrived. They closed my dispute because I did not provide supporting documents by the deadline.

Please see the letter, the envelope it came in, as well as USPS email informed delivery showing arrival on XX/XX/19.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XXXX/XXXX/XXXX  Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. After reviewing my credit report, I have noticed that these accounts have violated several laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts are listed on my credit report with inaccurate information and/or have violated consumer protection laws : XXXXXXXX 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 XXXXXXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Account Please note that the following violations have occurred : FCRA violation : The information reported on the credit report is inaccurate and does not reflect the true status of the account. 
FDCPA violation : The debt collection agencies did not follow the proper debt collection procedures and harassed me. 
FACTACT violation : The information provided is not accurate, complete, or up-to-date. 
TILA violation : The lenders did not provide me with proper disclosures and/or charged me fees that were not properly disclosed.

RESPA violation : The lenders did not provide me with proper disclosures about mortgage loans.

ECOA violation : The lenders have discriminated against me based on my race, gender, and/or national origin.

FCBA violation : The creditors did not properly handle billing errors and disputes.

I demand that these accounts be immediately removed from my credit report and that any negative remarks or late payments be corrected. I also demand that any debt collection agencies that have violated the FDCPA be reported to the proper authorities.

I am emotionally distressed by the impact these inaccuracies have had on my credit score and financial well-being. It is unfair that these violations have occurred and I expect prompt action to be taken to resolve these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-05
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Collections Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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
Consumer complaint received 2022-10-05
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Collections Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Funding Account # XXXX, 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
Consumer complaint received 2019-12-21
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. (NJ)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. XXXX XXXX Copied from the affidavit attached ) **** Alleged Account XXXX : XXXX XXXX auto Alleged Account # : XXXX Alleged Account XXXX : XXXX XXXX Alleged Account # : XXXX
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CT)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NC)

Have had two lawyers and both refused to proceed with case. I have all documents to prove what happened. My credit was ruined and I have contacted both car dealer and Wells Fargo. For one year and a half I have contacted them. XXXX XXXX XXXX  car dealership wrote a fraudulent contract. The mileage was different on contract than with state of XXXX XXXX XXXXXXXX records. The car was a lemon. I did have a 30 day warranty but the dealership refused to take car back. I have been trying to get help for years.
Consumer complaint received 2019-12-26
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

There is an account on my credit report with Hunter Warfield that I am not familiar with. I reached out to them and sent a letter requesting validation of debt and I only received an itemized statement. Here is the tracking XXXX XXXX XXXX XXXX XXXX. A statement is not validation of debt. They did not send a contract with any signatures or valid proof that this account is mine and belongs to me. Please remove this account from my reports.
Consumer complaint received 2023-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (CA)

I have been getting threatening calls about a lawsuit for an amount I allegedly owe and have repeatedly asked for information to be mailed to me as I refuse to make any payments over the phone. The " legal representative '' from " XXXX XXXX XXXX '' on behalf of their client Wells Fargo has been nothing but rude to me and threatened that I would have my house taken from me in court over this! They have never sent me any bills in the mail to prove that I owe this alleged debt from over XXXX  years ago. I currently pay my XXXX student loans through the Department of Education so I have no idea what money they are trying to collect from me. The representatives refuse to tell me what this is for and tell me I am being sued. I have never received any paperwork in the mail from Wells Fargo or this " XXXX XXXX XXXX ''. They are telling me I am being sued and that I will be served some documents that I have to sign. I refuse to sign anything that I don't know about it.
Consumer complaint received 2023-01-23
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. (AZ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.