davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TX)

Radius Global Solutions called me in XX/XX/2019 regarding an account with XXXX that I verbally told them I disputed. They sent me a letter. Initially I was going to dispute it, but given the time and energy to dispute a {$240.00} charge, I reluctantly decided to pay it to settle the matter. I opted for the online payment option and initiated the transaction online. I wrote " paid '' on the letter and filed it in my tax documents. Fast forward to XX/XX/2019, I happened to check my credit report and was stunned to see an open collection amount from Radius Global Solutions ( I do not have any other collection accounts and have a history of paying my bills on time! ) I was enraged that I had not heard from them since XX/XX/2019 but yet they reported my account to the credit bureaus. Further, sometime over the late spring/early summer, I had received a letter from the original creditor informing me that there was a data breach with this company and my payment information had been compromised. 

Upon reviewing my credit card statements, the amount I had paid online was not processed. I am assuming this had to do with payment system breach. 

When I questioned Radius why I had not been contacted by them since that initial communication in XXXX, their response was " we called you 33 times. '' Yet, they did not leave one voice mail. In the age of endless solicitation, I do not answer calls from numbers I do not know. I also received no other written communication from them that they had not received a payment or a dispute and that they would be reporting me to the credit bureaus. Radius told me that they are not required to leave voicemails or send additional letters. But yet they called me 33 times ... 

The business practices used by Radius is what gives collection agencies a bad name.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 Sectio 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC. (TN)

I attempted to contact the company and was past due and daily interest is being charged. I told the company that I cant the past due all at once and could they please close the account I no longer want to use their services. I can pay XXXX a week on the account. They said no gave me another option - I said again what I can pay. They said they will not close the account.
Consumer complaint received 2019-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (VA)

I am trying to close my deceased wife 's Apple Card with Goldman Sachs and they won't let me close it or provide me with any information where I can send a copy of the death certificate. They want me to search my wife 's phone to find information about her card. I am unable to do that. Previously, shortly after my wife 's death on XXXX/XXXX/2019, I called to report her death. I called again on XXXX/XXXX/2019 and offered to give Goldman Sachs any information to identify that I am authorized to close this account, including my wife 's name, social security number, address and the account number and they refuse to give me an address to send this information to them. Unfortunately, there is no paper record to help identify this card. 
Because of their refusal to cooperate with me, the card remains open, the charges continue ( because some charges were on auto ) and interest continues to accrue. I also can not close her estate or get a final bill.
Consumer complaint received 2019-12-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (WA)

First I signed a legal agreement with American First Finance, and told them I will not allow them to take direct payments from my bank account, they set it up as auto debt. This was the first legal agreement they broke. I went to my bank and they will stop any attempt at them trying to use my bank account. According to the information I received from the customer service chat I was able to make payment through email. here is that conversation What email can I pay through, I was told XXXX there is no way to pay through American First Financial 's email. I want these guys out of life. they lie, lie and lie. I refuse to continue with them. They refuse to take payment.
Consumer complaint received 2019-12-19
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: Experian Information Solutions Inc. (FL)

Experian refuse to remove XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. From my credit report. Even thought these accounts where removed from XXXX  and XXXX  on. 
XX/XX/2019 and XX/XX/2019. These accounts are not mine and have been removed.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

I have had a security freeze on my Experian account since XX/XX/2009. I have successfully lifted the freeze temporarily several times using my PIN. This is no longer working for me, even though I entered the information correctly, including my PIN. The only option to unfreeze my credit that was provided by Experian is to mail a letter and copies of documents containing my personal information to them through USPS. This is unacceptable, as it : -Requires additional expense ( especially since these documents should be sent via certified mail as they have sensitive data ) - so this is no longer a free service -Takes too much time - I need for my credit to be available today, not two weeks from now. 

There are no customer service options - if I could talk to a real person today, I'm sure he or she could unfreeze my report and all would be well. It's unacceptable that it is impossible to talk to someone about this and the only option is to mail documents through the mail.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 or delete 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

Initially contacted the Citibank about apply Ohio SCRA benefits to accounts on XX/XX/2019 Received benefits for open accounts, but have been told they do not have records of my closed account. I have called them several times, with the last time on XX/XX/2019. I gave them the account number from my credit reports for a Citibank AT & T Universal that was closed and each time they told me it was invalid account number. I was unable to explain more than that and was told to find the full account number. I have attached old correspondence for that account from Citibank for reference.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to request the method of validation and details on how your investigation of my consumer report was conducted for my dispute initiated on XX/XX/ and the subsequent response received on XX/XX/XXXXAccording to the FCRA the only way to legally investigate and validate information in a consumer report is to conduct personal interviews with neighbors, friends or associates of the consumer. The federal law explicitly states that you can not use factual information from a consumers credit record obtained directly from a creditor of the consumer or from any consumer reporting agency when the information was obtained directly from a creditor of the consumer. 
If you followed the law and completed a full, legal, and proper investigation as mentioned above, please send me the names, addresses, phone numbers and documentatation used from each friend, neighbor or associate that you interviewed within 15 days. Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D I have the right to request this information. If you can not provide ALL of the requested information within the legally allowed time line, I demand that you honor my dispute request listed below for each item.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (LA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-19
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)

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (VA)

In 2022, I signed up for a new credit card with Wells Fargo, N.A. to purchase appliances from a local store for a home renovation. The interest-free period on the Wells Fargo credit card applies during a ~18 month period provided the minimum payment is made timely. What is deceptive is that unlike other credit cards ( e.g., XXXX ) where purchases are made at a specific retailer on a new card during an interest-free period, my monthly Wells Fargo statement does NOT calculate my monthly payment amount so that I will have paid off the purchases during the interest free period/term. Instead, if I paid ONLY my monthly payment, I would only pay off ~ XXXX of my purchase balance by the time the interest-free period ends. This is not clearly explained, and is described on p. XXXX of the monthly statement in the midst of lots of other text ; this important language is NOT bolded or set apart from other terms and conditions on XXXX of the credit card statement. The onus is on consumers to do the math - that is, to calculate that by the time one 's interest-free period ends, one will NOT have paid off the full purchase amount if one pays only the monthly minimum payment. This is very different from how other credit card companies/banks handle these types of interest-free terms for new purchases and should be clearly and separately stated on XXXX of each consumer 's monthly bill. The language should be bolded and put in a box with a red border, and furthermore, Wells Fargo should be required to include a calculation of what a consumer must pay monthly to pay off all purchase amounts during the interest-free promotional period. This is a deceptive practice and it is intentional- the interest rate for unpaid balances increases from 0 % to 28.99 % ; it also is not consistent with the practices of other credit cards companies and must cost Americans millions of dollars each year. The way Wells Fargo presents monthly invoices for interest-free promotional purchases defeats the purpose of an interest-free promotional period for new purchases.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked all 3 credit bureaus to remove incorrect addresses from my credit report and they have not done so as of yet. I am extremely concern by the fact that they refuse to remove those incorrect address as they may put my file in jeopardy of being subject to identity fraud.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

This is my business checking account. My accounts payable person paid a vendor XXXX XXXX XXXX XXXX  via ACH there were XXXX payments made XXXX XX/XX/2022 XXXXXXXX XXXX in the amount of XXXX payment ID XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX Payment ID XXXX XXXX XXXX in the amount of XXXX Payment ID XXXX My accounts payable per had the correct routing number but on number missed ( left off ) of the account number of XXXX XXXX so we didnt know until our vendor called for payment at which time I called Wells Fargo and filed for them XXXX XXXX it and let me know. I did this the first time XX/XX/XXXX, we called several times between the XXXXXXXX XXXX and XXXX. I then went to my branch and spoke to XXXX XXXX XXXX and he started working on it I didnt hear from him so I went back and spoke to him again. These interactions were at the branch in XXXX XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I got a call from corporate and the lady told me XXXX XXXX XXXX XXXX has the money I ask how can that be the routing number was correct and it was XXXX XXXX XXXX she said she doesnt know but I have
Consumer complaint received 2019-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Insight Management Partners, LLC (AZ)

On XX/XX/2019 at XXXX we received a call from INSIGHT MANAGEMENT ( XXXX ) about a person " XXXX XXXX XXXX ''. Upon connecting to the operator, we inquired about what company was called and the operator stopped speaking and would not acknowledge anymore requests. We called back and the operator that picked up was unable to find what number they had called or the person referenced above.
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SD)

On XXXX someone was able to access our online banking through Wells Fargo, maxing out our company credit card with two large cash advances ( the car had a balance of XXXX prior to this event. ) They transferred money between our other business accounts, and make a fraudulent wire transfer to a stranger ultimately totaling a loss of {$24000.00}. 

We caught the fraud almost immediately, and reported it to Wells Fargo within 3 hours. Wells Fargo stated they would work to recall the transfer, and told us to wait 10 business days for a result. This was an agonizing period of uncertainty for us, and we were startled by the callousness and defensiveness of Wells Fargo, and their inability to provide us with any additional information. At approximately 10 business days, we received an unsigned form letter stating that our claim had been denied. 

It's estimated that we've spent approximately XXXX in the ensuing weeks attempting to rectify this situation, and reach someone at Wells Fargo who could give us more information and advise what other steps could be taken. ( See attached documentation of our communication. ) We feel like we were constantly being transferred within the call center, and not able to provide any information or gain a better understanding of what happened. From the best of our understanding, Wells Fargo maintains that the transfer was verified from one our our devices, therefore absolving them of all responsibility. We believe the fraud occurred when someone impersonating a Wells Fargo employee contacted us to report fraudulent activity on our account. Our communication with this " employee '' appeared to be in line with any and all previous communication we have had with Wells Fargo. We did not provide them with any sensitive information such as passwords or usernames, or any thing close enough to give them access to our account, but did read back a verification number at one point, which again seemed to be in line with previous communication. There has to be a more clear process for verifying such a large amount of money being sent from our account. 

Currently, Wells Fargo is holding us responsible for {$24000.00}, and in addition is adding finance charges and cash advance fees to our now maxed out credit card, which is now putting us over the limit, with a statement due. We are now concerned about the impact to our good credit that we've worked hard to maintain.
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: EQUIFAX, INC. (IL)

This is my 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$0.00}
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. (GA)

This is my follow-up request to my previous complaint 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX