davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation (TN)

This information has lead to consent credit inquiries on my credit score causing a decrease in my credit scores due to constant inquires from XX/XX/XXXX until XX/XX/XXXX.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Data Check of America LLC (AL)

This company is repeatedly calling me about a check I wrote 18 years ago that was supposedly returned. If it was, I resolved any returned checks I had at that time. They refuse to send me anything by mail and keep calling both my cell phone and my house phone. They have spoofed multiple numbers but have called from the XXXX number the most. They are extremely rude and hang up on you if you ask them to send you information in writing. If you search the number they are doing the same thing to many other people. I would not pay a debt without information in writing or knowing anything about it. They know my name, my phone number, my date of birth, and the last XXXX digits of my social!!! That is scary!
Consumer complaint received 2023-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (CO)

For the past 3 years, both my wife and I have repeatedly been reported as in collections with ZIONS DEBT HOLDINGS LLC for a debt that was settled with our previous home security provider, XXXX. 

- Account with XXXX was cancelled on XX/XX/2017. 
- Auto withdrawl from " XXXX XXXX XXXX '' was collected on XX/XX/2017 for {$31.00}. 
- Check # XXXX for {$31.00} was cashed by XXXX, memo on check stated, " If cashed, balance is paid in full. '' - XXXX hasn't contacted us via email, phone, or letter to support collections. They only appear on our credit reports for each bureau every 6 months. 

We constantly dispute this debt collection with each of the credit bureaus that have it listed. Once disputed, it is removed, but 4-6 months later it is reported again. Each time it is reported we receive up to XXXX points deduction from our credit scores as a result of this collection. However once it is removed, it takes us months to build that score back up. How can we ensure that Zions Debt Holdings, LLC stops harassing us and damaging our credit for something that was paid in full and was never in collections to begin with as we cancelled our contract with XXXX?
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted transunion for the last 2 months sent them identity theft form and disputed accounts they refuse to remove the negative items. XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. They will not provide any documents with my signature, information ect ... that I applied or open the accounts. I keep disputing these items and they refuse to remove them.
Consumer complaint received 2024-02-07
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. (CO)

Opt-Out Request Under Relevant Regulations and Statutes. 
I am writing to formally request the cessation of the collection, sharing, and dissemination of my personal information by your credit bureau, as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a.

As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law.

Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties.

Additionally, 5 US Code 552a ( Privacy Act of 1974 ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies.

In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent.

Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2017-04-07
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MI)

On XX/XX/2017I sent money to XXXX.Western Union.didnot delivered my money as I was promised.when I called WU they hung up on me.then somebody called me about an hour later I complained to him and asked him what the problem and what is the holed up.He said he will call me back in ten minutes.no body called. On Thursday XX/XX/XXXX.I called WU to inquire about hold up, they asked for my ID and someone will call me in about three hours.no body called.this is not the 1time.this the XXXX time I get the run around.
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

Facts : 1. I had a Wells Fargo bank account, and it was closed it in XX/XX/XXXX. 
2. When I closed the account, I was affirmed that I did not own the bank anything and I was free to go. 
3. On XX/XX/XXXX I received a letter from a third party debt collection company. The company has my SSN, address, phone number and everything else. The company claimed that I own the bank about {$120.00}. 
4. When I called Wells Fargo on XX/XX/XXXX to double check everything, their banks transferred me from department A to department B, and then to department C. And department C tried to transfer me back to department B. And finally they told me I had to go to a local branch. 

My complaints : 1. I am wondering if it 's legal for Wells Fargo to share my private information with another company? 
2. Why did Wells Fargo wait for 2 years to notice me? How possible did they tell me free to go and close my account, and then found out I actually own them some fees and overdraft? 
3. I am not satisfied with their customer service of transferring me back and forth.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached document to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MI)

I attempted to apply for a lower payment plan. When I submitted all of the paperwork required, my payment increased. When I complained to someone that I could not afford the prior payment, let alone the one that they were requiring me now to pay, they stated there was nothing they could do. I have now been deferring my loans for 2 years.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My XXXX credit report has inaccurate information. I was never late on this account. In the payment history section for the month of XX/XX/2023 there is an XXXX? With no payment being reported. In the payment received section it says {$0.00}?. I dont understand because I have paid this account faithfully from the open date. Both of these sections need to be updated immediately. Not only is this incorrect on XXXX, but its also on my XXXX credit file. This is not right.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MD)

Sent a certified letter to Experian asking for documents they used to verify that this account was correct and mine. Received credit report that just stated verified with no supporting documentations. Spoke to rep over phone and was told that they do n't have to provide me with anything.
Consumer complaint received 2024-02-08
Product: Credit 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: WELLS FARGO & COMPANY (CA)

I sent a fully registered security to Wells Fargo that abides by everything outlined in 31 CFR part 306 and 12 USC 391 that they willfully neglected to even process nor mention during their response to my original issue I asked that they remove all late fees charges and payments in regards to the account to which they also neglected to even address. They either need to process the security or I will be rescinding the security interest and deleting all my information on the private side. I also never gave explicit permission for them to report my personal information to ANYBODY including so called credit bureaus such as XXXX XXXX and XXXX and that of course was pursuant to title 15 section 6801-6802 and title 15 chapter 94 in general I also demanded to be compensated in an amount not less than {$100.00} and not more than {$1000.00} pursuant to title 15 section 1681n as is my right to which they also neglected to address overall I am extremely disturbed that the company has cut my access to the card yet denies any wrong doing and instead made the claim that no adverse action was taken on the account yet I do not have access to the entire account. I also informed them that it was my RIGHT not a request that my card be given an open ended line of credit to which they denied solely based off fraudulent information that they refuse to delete of my profile but I could have sworn I had the same legal equal lending rights as anybody else they also showed me a contract that WAS NOT the original contract that I signed and I CAN prove the discrepancies between the two if needed their contract was fraudulent and I NEVER agreed to pay them twice once in dollars tender or money and then again once the securities reach full maturity once again I would like to add that my access to certain tools and information on the account has been cut off WITHOUT having been taken to arbitration meaning they are attempting to force arbitration. XXXX XXXX also made the FALSE claim that nobody from Wells Fargo Debt Collections has reached out to me in regards to this account which was an outright lie and I even had to change my number for this reason but I will be forwarding the proof seeing as my phone definitely has caller ID. I hope that all my issues will be resolved amicably but at the moment I feel deep regret even choosing Wells Fargo to be involved in my finances
Consumer complaint received 2024-02-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Giggle Finance Inc. (GA)

On XX/XX/year> I was approved for {$600.00} to pay back $ XXXXplus I know very steep for 10 weeks payback. 
I was waiting on a phon call on XX/XX/year> so they can finalize everything but I get a simple you are denied which I truly qualify for the loan with XXXX explanation. 

I emailed them and ask why I was denied and I haven't received a letter or email with Reasons for denial. 

I think because I got approved with a different company they denied me unless they are actually the same company under a different name I told them by law you have to give a reason fordenied
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

This is the third time that XXXX XXXX XXXX has had a credit collector call me, e mail me, harass me with text messages. Then put this on my credit report, you guys have made them remove two other times. I HAVE NEVER HAD AN XXXX ACCOUNT. I receive government phone service for 9 yrs. I do not owe anything and never did to this company
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NM)

I opened a banking account with WellsFargo sometime in XXXX when I was in college. A few years later I went into a WellsFargo branch and closed the College Checking account and moved to a different bank. I received a letter on XX/XX/XXXX dated XX/XX/XXXX from WellsFargo alerting me that I will be charged monthly fees for an account not maintaining a balance of {$500.00} or a {$25.00} dollar qualifying direct deposits. This is for an account that was closed years ago. In the time from XXXX until now I have never received any correspondence concerning this account that was presumably closed after I physically went into a Wellsfargo branch and closed the account. Why am I receiving a letter over ten years after closing the account? There appears to be a balance of {$3.00}. I do not bank with wellsfargo and never intend to in the future.
Consumer complaint received 2023-06-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

My mortgage company ( Amerisave Mortgage Corp ) keeps on raising my escrow ( three times in the last year ). They say its because my insurance was raised and also they recently decided to start requiring me to have a reserve fund. While I strongly disagree with the reserve, I get that its the law. 

What I dont understand is why my mortgage company should be able to force me to put money into a reserve account that I dont get paid interest on? How can this be legal? I already dont get paid interest on my escrow account- which I think is absolute XXXX and should be illegal, but now they want more money (! ) and I dont get paid interest on that money? This is insane and there should be a law against it. 

How can they force me to give them money in which they make interest on?
Consumer complaint received 2023-06-27
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX  XXXX Balance : {$4300.00}.
Consumer complaint received 2016-08-29
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Genuine Debt Solutions, LLC. (VT)

Receive phone calls at least twice a day for my warrant of my arrest and that I 'm being sued. Now family/friends/work are being called and threatened. When I try to return the call to ask for documention to be sent to me in writing there is not answer. Is this a scam.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to the credit bureaus about a car loan that is showing up on my credit report. I have contacted the creditor and submitted documents to them as well advising them that this was fraud and my identity was stolen. They have been cursing me out and hanging the phone up in my face. I need to have this {$20000.00} car loan taken off of my credit report immediately.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We requested a chargeback with Bank of America for services and provided the supporting documentation. The bank declined our request, and we have been loyal customers for more than a decade. We needed their support on this matter and were completely let down by their judgment. We can provide any and all documentation related upon request.