davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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. (CT)

XXXX XXXX XXXX Department XXXX XXXX Bank XXXX XXXX my Statement of Account on XX/XX/XXXX - on page XXXX you will see that my account is enrolled in automatic payment and that my next payment would be drafted on XX/XX/XXXX. According to XXXX- they had a system update on XX/XX/XXXX which deleted my automatic payment. They then reported me as late to the credit bureau. They have admitted their error and sent me a letter that the late payment will be removed from my credit reports, however, Experian has not removed the XX/XX/XXXX late mark from my credit report even though the data furnisher has requested it. I have disputed the information with Experian and they did not make the adjustment. I am including a copy of the letter from XXXX 's that indicates they have requested the XXXX30 day late ' be removed from my credit report, as well as a copy of the XXXX statement that indicates I am still enrolled in automatic payments. 

XXXX did not provide an accurate account statement - XX/XX/XXXX statement indicated that my payment would be automatically debited, but XXXX cancelled the payment due to their system update ( the statement was inaccurate - a violation of XXXX XXXX ), and then reported the payment as late inaccurately to the credit bureaus ( a violation of FCRA ). Experian did not remove the late payment as requested by XXXX.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (GA)

This was not sent in error I am a consumer by law and my information was misused and now I have some false not XXXX XXXX accurate accounts on my credit report. Unauthorized use my credit report.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MD)

It was brought to my Attention XXXX XXXX XXXX on XX/XX/2021 reported an alleged debt of {$350.00}. I asked for proper validation documents and they failed to provide them. Then continued to report the inaccurate information to consumer reporting agencies. After knowing the debt was unverified.
Consumer complaint received 2022-03-23
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. (FL)

On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Equifax disputing the an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.
Consumer complaint received 2022-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

I have been working with Fedloan.org to certify my employment ( which has been the same since 2006, with the State of Michigan ). Now that I am getting closer to meeting the requirement to have my student loans forgiven, all of a sudden they can not accept my employment certification. This is causing more that a year of months not to count toward the XXXX. Their reason for not accepting the employment certification is that they saying it is not a valid signature from HR present. That that signature is 'typed ' and not a 'wet signature '. When I contacted HR for the State of Michigan, the indicate that what they have provided to me meets the 'wet ' signature requirements posted on the website at fedloan.org. In addition, they informed me that they complete hundreds of these form all of the time for employees and have never been told that they will not accept them. So I am not sure why mine is different. HR has completed two forms and fedloan.org will not accept them, which leads me to believe they are just looking for any reason to prevent me for qualifying for the XXXX. This is not fair. Please help.
Consumer complaint received 2022-04-19
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CO)

I sent a letter to aargon collection agency in XXXX regarding an alleged collection on my credit report. They responded and sent me a statement. In reviewing the statement, it clearly shows that their information is inaccurate, The service was shut off XX/XX/2017, as the property was sold. they are trying to charge me for service from XXXX to XXXX. I replied with a letter to cease collections also included the home loan settlement statement showing everything was paid. 
THIS IS NOT MY DEBT and it NEEDS TO BE REMOVED off my report immediately
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I WAS PROVIDED WITH A XXXX  GIFT CARD FOR {$100.00}. TO MY KNOWLEDGE THE FUNDS ON A GIFT CARD CAN NOT EXPIRE. I HAVE CALLED XXXX  7 WEEKS IN A ROW. I CONTINUE TO BE TOLD, CALL BACK IN A WEEK AND WE WILL PUT A REQUEST IN FOR THE FUNDS TO BE REIMBURST. MY FRUSTRATION LEVEL IS 10 OUT OF 10 WITH XXXX. IS THERE ANYTHING ELSE I CAN DO OTHER THAN CONTINUING MY WEEKLY CALLS TO XXXX  AND HOPE WITHIN THE NEXT 10 YEARS THEY GIVE ME BACK THE MONEY OWED. 

THANK YOU XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

I wrote to the Debt Collector several times advising them that the debt doesn't belong to me, and the debt is expired. This is my third attempt writing and they refuse to produce documentation proving that the debt belongs to me, so they're in violation. I also send them a copy of my police report with they totally ignored. 

National Credit System AC # XXXX XXXX {$2500.00} ( Wrote them numerous times and they ignored my request ) XXXX XXXX XXXX AC # XXXX XXXX {$0.00} ( contacted merchant numerous times and they still reporting on my credit )
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

disputed this account with all three bureaus with no resolution when bureau states, the account is only a XXXX month term payment of {$120.00} with a total balance of XXXX from opening to close this is false I got a response saying that it has been corrected with no update I asked for it to be removed. I would like it to be removed from my credit report.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have disputed this account 4x already. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I informed the original creditor account was fraud on XX/XX/XXXX and they sold the account. I have provided police report of ID theft. I have done everything including disputing with XXXX, XXXXXXXX XXXX  and midland collection. I'm done and tired of their fooliness. I don't owe anyone any money. I have never apply for credit with the original Creditor. I'm currently received promotional credit from them. Please help!!!!!
Consumer complaint received 2022-03-23
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I requested to have the payments I made during Covid-19 refunded. They refunded my payments, however they refunded the Government over {$12000.00} back from Student Loan Repayment Program I was enrolled in with Ohio XXXX XXXX XXXX. On XX/XX/XXXX I called MOHELA to go over this and its over 1 month later and I havent gotten 1 update from them.
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2022 I was summons by Midland Credit Management. I called their attorney to ask what was this about and was told that I was being sued for 2 credit cards for {$3300.00} 1 plus court fees unless I paid {$100.00} down and {$200.00} a month until debt is paid. I was told if I miss one payment, the judgment would go into effect. I received this the same time I was being served with eviction. I was terrified and devastated. Out of fear, I paid the {$100.00} dollars on XXXX. But I began to ask questions because I didn't know which credit card was owed what and what were the mysterious court fees. I called 3 times and got a different amount each time. It was stressed to me to sign a judgement letter as soon as I received it in the mail and rush and return it so I wouldn't get sued. I was told the judgement letter would stop the law suite and the creditors would not come after me any more. The guy representative on the XXXX of XXXX said once they receive the judgment letter, they will call the credit card companies and let them know that I signed the judgement letter and they can stop the suite . Everything began to sound shady. After sending the {$100.00}, they sent a letter stating that I agreed to a recurring payment of {$100.00} and I didn't. I stressed it was one time. I didn't return the letter, I answered the summons, and sent a cease and desist letter never received a debt validation later or the chance to dispute. They knew I was being evicted and used that to scare me even more. I'm waiting on my court date. I decided to fight back.
Consumer complaint received 2022-04-19
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: Resurgent Capital Services L.P. (IL)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights as a consumer.

15 U.S.C 1681 section 602 A. states i have the right to privacy. - XXXX XXXX XXXX has sent physical correspondents regarding an owed debt. 3rd party 's viewed these documents.

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 2022-04-19
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. (CT)

I XXXX XXXX XXXX requested Experian to investigate and then re-investigate XXXX XXXX XXXX Account number XXXX which shows charge off on my report for over 2 years. I requested that because the amount is over {$600.00} and NO 1099c was given since any " Canceled debt '' over {$600.00} according to The IRS canceled debt is to be reported as income and no longer able to be claimed as debt. Canceled debt must be reported as taxable income and filed through Form 1099-C.

If the canceled amount is {$600.00} or more, then an individual is required to file with the IRS. In addition to this violation Experian continuously reports CO  from XXXX of XXXX  to present essentially re-setting the CO date each and every month. All of these INACURACIES are adversely affecting my credit report and ability to obtain new credit. I called Experian and requested INFORMATION pertaining to this issue ONLY and was told that they could NOT provide ANY information on who and what was used to legitimatize this investigation and re-investigation. I spoke with many representatives at Experian on XXXX XXXX only to end up talking to a Manager named XXXX on the same day about XXXX who ultimately informed me the only thing he could do is dispute the matter again. I argued that I do NOT wish to be flagged as a frivolous disputing person since I have already disputed the account several times and that Experian 's Investigation and Re-Investigation would have proved with the factual evidence and by law should be removed from credit profile had it been investigated properly in the first time. I exhausted all my abilities to rectify the issue with Experian which included the request to speak to a legal dept, other managers or higher up managers via phone and or email to which XXXX declined and ultimately hung up on me.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I have sent XXXX previous letters to Experian reporting company, all by certified mail ( copies of receipts are available ) requesting removal of : 1. Unauthorized fraudulent inquiries : ( 1 ) XXXX Card XXXX/XXXX/2016 ( 2 ) XXXX XXXX/XXXX/2016 ( 3 ) XXXX XXXX XXXX XXXX/XXXX/2016 2. Fraudulent Account : ( 1 ) XXXX # XXXX ( Identity theft victim ) 3. Inaccurate, false, and wrong information : XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX from my file and Experian agency has failed to do so. 

Accordingly, I can show a judge that these inquires and accounts are fraudulent and inaccurate and that Experian violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Consumer complaint received 2022-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (IN)

On XX/XX/2022, I was informed that three collections had been added to my credit report. Upon searching for a number and after speaking with several reps that looked up my name, number, and social security number to no prevail ; I finally was able to speak with someone who found the collections, even though I was not in their system. She stated that there was 5 collections in total, even though only three are being reported and she couldnt tell me why the other 2 were not being reported. She also stated that she couldnt give me any information on these collections, but I could go to care.uscbamerica.com to request an itemized list immediately. I went to the website, and once again it was a dead end with no records and an error message and it did state that it takes up to 4 weeks to receive a list ; which was not what was told to me. I asked if I were to pay the amount, if it would be removed from my report. She stated yes, that it would be completely removed from collections. Her team lead stated otherwise when I had called back to make a payment. This company didnt have my address, phone number, or SSN nor have I received any type of bill or notice of the original debt and the collection debt. I feel this may be a fraudulent attempt to collect money, or possibly a fraudulent company as an entirety.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo bank created a checking account without my authorization. I do not conduct business with Wells Fargo since XXXX when I paid off a student loan. The online banking account was terminated as a result of having zero business with the financial institution.

I was alerted of an account being created by email on XXXX XX/XX/XXXX at XXXX XXXX  EST detailing that a debit card would be arriving within 5-7 days. 

I called Wells Fargo and they opened a case. They confirmed that a checking account was created but have yet to inform me of what will happen next.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2023-12-21
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. (TX)

I recently looked into my credit report, which made me very depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are attached below.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I was offered and applied for an American Express XXXX XXXX XXXX card in XXXX XXXX with a XXXX miles bonus. I received the card a couple weeks later. I then met the requirements as AE acknowledges. But upon inquiring through a chat on XX/XX/XXXX about when the miles would be put in my account, they right then and there determined through a chat conversation that I was not going to receive the agreed upon bonus miles due to a list of possible reasons -- none of which seem warranted and were basically a laundry list of possible reasons of why I might be ineligible. AE had ample time to review my credit history before they accepted my application for this card and included bonus miles. They also should have notified me when they determined that they were going to break the agreed upon offer. THEY made me the offer, and I accepted. Unethical business practices like this need to be corrected. I feel I am owed the XXXX XXXX XXXX XXXX or equivalent cash reimbursement. Thank you for any help you can give. XXXX XXXX. 


Excerpt from chat of laundry list of POSSIBLE REASONS for denying bonus miles : I appreciate your patience. Upon checking your account it appears that your welcome offer has been declined. Based on your history with credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I noticed on Transunion credit concerns. 

1. a ) Transunion XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Telephone # XXXX did inquiries on my credit XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries I am not familiar with or authorized any inquiries to my credit. 
b ) Also from Transunion XXXX XXXX did promotional inquiries on XX/XX/XXXX. 
Telephone # XXXX XXXX. XXXX inquiries without my knowledge XXXX  on XX/XX/XXXX telephone # XXXX. 
XXXX on XX/XX/XXXX telephone # XXXX XXXX. XXXX XXXX via XXXX Transunion interact on XX/XX/XXXX telephone # XXXX I did not authorize this inquiry how did they access my credit file when I have a freeze on it. 
How did these companies got into my credit with a freeze. 

Great concern : How did XXXX Bank Delaware was able to do a hard hit inquiry on my credit with a freeze. I contacted them at XXXX XXXX XXXX and they dont have any records of me. Then why was there a hard hit on my credit bureau account with Transunion. 
I told XXXX agent yesterday my concerns and she said she was transfer me to their security and I waited a minute then she hanged up
Consumer complaint received 2022-03-23
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!