davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/19 I noticed a {$25.00} Auto Pay WF Loan withdrawn from my account. I called the customer service number on line. I was told this charge is an annual fee for a {$10000.00} personal line of credit opened 6 years ago. They couldn't provide the date or any explaination why I haven't received any documentation nor do I see this personal loan listed on my accounts summary page or anywhere on my online account. I asked for documents authorizing this loan to be opened and no one I've spoken with has access to the requested documents for proof of authorization. 

On XX/XX/19 my wife and I visited our local WF branch and again no one had authorization to give us the information or documents. We were promised we would be contacted by XX/XX/19. We were not contacted on XX/XX/19. 

XX/XX/19 XXXX from our local branch called to ask if we had received a call from anyone. We told her we had not and she said we would be contacted within the next two weeks. 

We have asked for the line of credit to be closed and all funds returned to our account. I did confirm the line of credit posts on my credit report but I can't find anything on my online account to confirm the account was opened or has been closed. 

I have no need for a personal line of credit and have no recollection of ever authorizing one to be opened or my account to be charged with it. 

The inability for anyone I have access to with Wells Fargo to give me documents, dates and answers leave me to believe this account was opened without my authorization and is infact faudulent. I have been charged for 6 years and my credit has been affected. 

I have notified WF I would be filing a complaint with CFPB.
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America has been sending me harassing emails with regard to a debt that has been charged off furthermore this account is still reporting on the credit bureaus. This has start XX/XX/19, and has continued every week since. Furthermore, under the fair debt collection 805 section c this a violation of my rights.
Consumer complaint received 2022-12-15
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. (MN)

I received an email from this debt collection agency XX/XX/XXXX at XXXX am. 

My rights are being violated in several ways.

15 U.S.C 1681 602 A States I have have a right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish any account without any written instructions.

15 U.S.C 1692C states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-07-08
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. (GA)

These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2018-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

I had Capital One credit card that I closed in XX/XX/2015. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called Capital One but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
Consumer complaint received 2023-03-21
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. (PA)

In accordance to the fair credit reporting act .the list of accounts below has violated my federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : also sticks, a consumer reporting agency can not furnace an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information and other adverse item of information, other than records of convictions of crime which antedate the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (AZ)

I moved out of the XXXX XXXX XX/XX/XXXX. Everything was up to date, never late, gave 60 days notice. I stayed a few days over the lease but in accordance to my move out agreement. They said I would get a bill for the remaining balance. I never heard anything but got repeated hang up calls from XXXXXXXX XXXX starting 1st week of XXXX. Keep in mind, I moved our XX/XX/XXXX, nothing in arrears.

My sister sent mail forwarded to her house. The apartment complex had a mailing address but my final bill was sent to the old address. I finally got the billing my person around XX/XX/XXXX. This is not a month after move out. A few days ago, right after XXXX, my sister got repeated calls. She was listed as am emergency contact. They called several times a day, she finally answered. It was debt collectection IQD I understand if it had been months, but not even 30 days and they are already aggressive for {$170.00}. Calling relatives repeatedly, hang up calls for me. This is overt harassment. I was a good tenant. Will pay the bill, but was going to on payday. I don't feel I was irresponsible. I just got the bill, and will pay it Friday XX/XX/XXXX. They need to be reprimanded as per XXXX search, they do the often, aggressive and rude seem yo be the wording for many. I was not negligent! 
Thank you. Will attach the bill I finally received. 
XXXX XXXX
Consumer complaint received 2022-12-15
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. (MN)

I received an email from this debt collection agency XX/XX/XXXX at XXXX XXXX 

My rights are being violated in several ways. 

15 U.S.C 1681 602 A States I have have a right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish any account without any written instructions.

15 U.S.C 1692C states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc. (NC)

Left many voicemails in regards to collections issues. It was removed afterwards only to be added again. I have disputed this several times previously with all bureaus and CFPB. Both the XXXX XXXX XXXX and the XXXX items. These debts have changed collection agencies too.Have these bureaus provided any correspondence by mail or when they actually attempted to or have spoken with me. They haven't tried to at any time. Its also been disputed with XXXX  XXXX. I have many times with XXXX  and they sent my information back in the name of XXXX XXXX with no reference to the items I disputed and in someone else 's name with my information. Only account standing but no collections information. This has been sold more than once, why cant the bureaus do something about this and I don't understand if I was paying the original creditor how it could be turned over to an agency anyway? I sent a letter regarding the same and they then changed the amount they stated I owed.It also disputed it and had it removed. How can I owe them both? I had many issues with XXXX acct # XXXX and contacted the FCC regarding and was allowed to port my number after the dispute to XXXX. At which time my bill was substantially reduced due to erroneous charges. 

For XXXX # XXXX I contacted the collection service XX/XX/18 and also sent proof of the new insurance with XXXX. I switched from XXXX because declarations were being removed that I hadnt requested, policy increases but no information on and no return calls after two voicemails were left. I notified XXXX before I switched and after they send a premium request on XX/XX/18. I spoke to XXXX in XXXX @ XXXX on XX/XX/18 XXXX XXXX.I advised of having new insurance. I currently don't owe XXXX any monies, so the XXXX they are trying to collect isnt correct. My premium was XXXX, so how do they have the wrong amount as well?
Consumer complaint received 2019-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

It is seemingly impossible to speak to a human being at Experian. My wife, XXXX XXXX was denied a simple credit card ( XX/XX/19 ) application at XXXX ( on their website ) due to mis-information in the Experian database. According to the XXXX XXXX rep whom I spoke with at length at on XX/XX/19 XXXX XXXX social security number doesn't match Experian 's records. How Experian fouled their data up is beyond me. I have spent hours on their asinine automated phone menu, completely unable to reach a human. Accordingly, I am furious. 

Ironically, XXXX has a very high net worth and no debt. She is an authorized user on a XXXX card with a {$24000.00} limit, which she pays current. 

Ultimately, we opened the XXXX XXXX account in my name, XXXX XXXX XXXX, as XXXX is being denied access to normal credit due to Experian 's gross negligence.
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello This complaint is against the three credit reporting companies. XXXX, Trans Union and XXXX. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. 
The response from XXXX and XXXX  was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XX/XX/XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote XXXX and XXXX a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XX/XX/2019 they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only XXXX wrote back a letter dated XX/XX/2019 stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

Trans Union never responded to my letter dated XX/XX/2019 to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with TransUnion, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because XXXX, XXXX and Trans union all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, Trans union did not even respond to my investigation request.
Consumer complaint received 2023-02-10
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: Nelnet, Inc. (NY)

XX/XX/2020 I sent a letter to my student loan provider Nelnet advising I was an active student and shouldnt have been billed a monthly payment. I have never been late with my payments. My school provided a notice advising I was still a student and the service provider denied fixing the late payment to the credit bureau. Although its only XXXX late payment with Nelnet it had significantly affected my credit score which hinders me from obtaining a mortgage loan.
Consumer complaint received 2019-05-01
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. (MI)

These accounts are fraudulent : XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (MO)

In XX/XX/XXXX with classes starting in XXXX, I enrolled in XXXX  college. I soon after decided to go another route for my career, so I dropped all of my classes. I knew at this point that there would still be some expense, which is understandable and I was prepared to pay for it, no problem. 

I expected an email, letter, or call, or something regarding my outstanding balance, but I didn't receive anything. I already paid a small sum of money to them after I registered, and since I dropped my classes so early I figured I didn't owe them anything since I never heard from them. A student loan pops up on my credit file in XX/XX/XXXX. Balance owed is {$370.00}, and I set up payments. No issue with this. This account ( XXXX/DEPT OF ED ) is not the problem, just to be clear. 

Fast forward to XX/XX/XXXX. I get a notice from a credit monitoring service about a new collections account, and of course dive in right away to investigate since this is completely unexpected. There is a balance of {$1800.00}. I have to XXXX to find what the company name even is since I don't recognize it - NTL CREDIT MGMT. 

Eventually I find out that it is for school tuition, for the classes that I dropped. Immediately I call the school to figure out what happened, and here it is summarized : Whatever department at the school is responsible for crediting the refund for tuition for dropped classes failed to refund ( or possibly failed to allocate a refund as credit for tuition ), which left it as an unpaid balance on my account and eventually went to collections. Once I informed the school of their error, the billing department/registrar moved the refund to credit the balance owed which is now in collections ( or maybe simply notified the collections agency ). After the
{$980.00} credit to the collections agency, there were still some smaller account fees which is no big deal, but there was also a collections charge of something like {$400.00}, I don't remember and can't locate the exact amount, which is a total of {$820.00} still owed, and about half was the collections charge. They update the outstanding balance, but not even the original balance, let alone the collections account itself which I think should be removed. 

I tried to reason with the school, and the collections agency for about two months before I finally fall back to paying it. I even went as far as requesting an exception from the board of directors and dean at  the school, but they didn't do anything to help me.
Consumer complaint received 2019-07-08
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. (GA)

Between XX/XX/2019 and XX/XX/2019, your account with XXXX XXXX  was removed from your credit report. 


Between XX/XX/2019 and XX/XX/2019 the following remarks were added to this account : Reaffirmation of debt I was not informed, and by law you must give a written notice within 3 days ... you are in violation There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow ... this is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2019-07-08
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXXXXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXXXXXX credit card.
Consumer complaint received 2019-07-08
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)

XXXX XXXX  XXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXXXXXX credit card.
Consumer complaint received 2019-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXX credit card.