davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

XXXX they started calling a number that was not my primary number. Then they started calling my references before they tried calling me. They also use a different number every time they call me. XXXX, XXXX, XXXX. This is just XXXX of them. They are getting more aggressive each time they call. They have called XXXX times today alone. I get paid XXXX a month they know this. I ca n't pay until next month. There is nothing else I can do.
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

I am writing to address a matter of utmost concern to EXPERIAN regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that Experian conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2022-03-29
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: WELLS FARGO & COMPANY (TX)

Department store that reported the negative activity to my credit file claims and denies having any information on me and says that the responsibility is on the credit reporting agency. When I asked how the credit reporting agencies got their information, I was told they got their information from the creditor. But the creditor has no information on me at all? 

So it definitely appears that there is a situation of fraud and false testimony in this situation. 

I want to know why a major department store that has their brand of credit card issued and underwritten by a major bank can report negative comments on a person 's consumer credit report, when the person doesn't have a credit account with that department store or the bank, and then claim they have no information on the person, and then refuse to contact the credit reporting agencies to have the fraudulent information removed. 

When I am the victim of credit fraud committed by a department store/bank, why is it my responsibility to do everything to correct the problem when they can not provide any proof of any credit history with them?
Consumer complaint received 2023-03-02
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX 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 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 than records of convictions of crimes which antedates the report by more than 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 2021-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (TX)

When the Covid-19 pandemic first began in XXXX, Wells Fargo gave me a 3-4 month forbearance due to the pandemic, but began recollecting payment after. Because we were working reduced hours, we applied to Wells Fargo 's student loan modified monthly payment program in XX/XX/XXXX but were both denied for unknown reasons. Wells Fargo then continued to collect full payment amounts for over a year as if no pandemic occurred even though my cosigner and I were working reduced hours since the pandemic started in XXXX. We still are working reduced hours in XXXX. In the summer of XXXX, Wells Fargo handed or sold off their student loan collection to XXXX XXXX, which is not Wells Fargo anymore. They collected student loan payments while federal programs have paused recollection. Many private lenders even gave postponement of payment or alternative payment plans to help borrowers repay lesser amounts than their regular pre-pandemic amounts. I did not want to refinance my private loans with another private company because of interest and transfer fees which would defeat the purpose of paying off a student loan, and was not ready to go back to school because of pandemic restrictions around the world. I wanted a lower monthly payment but Wells Fargo or XXXX XXXX claims they can not reduce my monthly payment at all.
Consumer complaint received 2016-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

Describe what happened so we can understand the issue ... 
I have had a XXXX loan from XXXX XXXX XXXX XXXX. ECSI Services my loan. 
I have auto deductions each month to pay this. I pay over the amount at {$50.00} per month. The website gives you the options to choose your pay date. I chose the XXXX. I noticed I have over 6 months of late fees at {$5.00} each. 

Also I received 2 letters : One letter says I owe {$35.00} for XXXX XXXX. The second letter says I owe {$75.00} and that my account is past due 45 days. If they do not hear from me in 15 days they we put me in collections. I went to review my account history and I am current. So I do not know why I keep getting weird letters from them. Seriously it stresses me out.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX  Discover credit XXXX XXXX XXXX XXXX. 

This agencies, most of them debt collection agency, submitted a collections to XXXX, XXXX, XXXX and XXXX. I did not have anything to do with these agencies but when I ran my credit report, I found multiple credit enquiries and collections on my credit report. I believe that I am a victim of identity theft. I have provided my date of birth, Social security number and full names to fake or scam job or employment agencies that never got back to me, I have provided the same information via email and phone and I lost my identity cards such as government ID, social security card and passport last year. 
I have contacted the credit reporting agencies and collections agencies to dispute this collections account and as part of the process of disputing this collections accounts, I am required to also notify FTC and this is the purpose of this complaint. 
Thank you.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (CA)

Several times I have complained about the erroneous items which linger in my file and several times it is ignored. I want you to remove the items which are erroneous and not mine it is not permissible that my complaint is being ignored. 

Kindly remove the following items ASAP : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX Balance : {$3900.00} XXXX OF XXXX XXXX XXXX : {$8100.00}
Consumer complaint received 2022-03-29
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. (CA)

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

RE : XXXXXXXX XXXX XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
open / collection account Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act 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 2022-12-16
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. (CA)

On XX/XX/2020 My XXXX XXXX with Experian was excellent at XXXX, on XX/XX/2020 My XXXX XXXX with Experian went down XXXX POINTS to " good '' XXXX. I have repeatedly contacted Experian, they can not provide a reason for this discrepancy. 
I have NEVER BEEN LATE TO PAY ANYTHING. My scores with XXXX and XXXX remain Excellent in the mid XXXX 's. 
I keep getting requests from Experian to pay them for Experian XXXX, I refuse to have my credit report held XXXX for payment to increase my score.
Consumer complaint received 2022-04-15
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX XXXX bankruptcy discharged Reference Number 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 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I currently have a checking account with Bank of America. On XX/XX/XXXX, I was checking my account and noticed a charge for XXXX at XXXX XXXX XXXX XXXX in XXXX SC, a little more than XXXX hour away from my home. I immediately contacted the bank to dispute the transaction, as I know I did not make the purchase nor did I authorize anyone to use my card for a purchase. The bank provided me what was called a temporary credit of XXXX until a investigation could be completed. On XX/XX/XXXX I received a email regarding the balance in this account being low. I logged in to see the reversal of the temporary credit that had been provided in XX/XX/XXXX. I went to the message center of the account and read letter stating that I allowed someone to use the card for the transaction and that the credit reversed. I tried to call Bank of America on XXXX to speak to someone regarding the decision but after being on hold for almost XXXX minutes, I disconnected the call. I do not have a history of being in XXXX SC, my account reflects no history of shopping at XXXX XXXX stores. When providing information on the dispute I correctly identified purchase made up until this one. I did not make nor did I authorize anyone to use this card for any purchase at XXXX XXXX in XXXX SC.
Consumer complaint received 2022-05-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (FL)

This is a formal complaint against DISCOVER BANK. Our bank account was improperly drained of cash by them of a total of {$31000.00} USD.

this was done by using checks that contained our account number in the coding. as well as numerous payments to XXXX. Not once did the bank verify these odd transactions, question a signature, nor enforce usual ID policies, they went ahead and added the name on our account, the name was changed in the printed checks is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The month of XXXX, XXXX, checks total payable to third parties {$4900.00} On XXXX XXXX thru the XXXX ACH withdrawals in the amount of {$1300.00}. 
Month of XXXX, XXXX, employing same methods a total of {$22000.00} On XX/XX/XXXX they paid Capital XXXX {$290.00} and issued XXXX withdrawals to XXXX, for a total of {$2700.00} ( the amount of withdrawals alone, was enough to merit a call to us the Account Holders ) THEY HAVE NOT BEEN TOO HELPFUL, MOROSE IN SENDING COPIES OF CHECKS FRONT/BACK AND TO ADD INSULT TO INJURY, ADVISING US TO CONTACT THE FTC, XXXX, XXXX, AND THE CREDIT AGENCIES AT OUR COST & TIME.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

XXXX XXXX Attention : XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized accounts, my deragtory remarks. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat.2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX Account XXXX XXXX Filed : XXXX XXXX Type of Account : Collection XXXX XXXX XXXX XXXX, TX XXXX Phone:XXXX Reason : THIS IS INACCURATE
Consumer complaint received 2019-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Im filling this report against Bank of America for not providing adequate security for my bank account. My personal information is not secure with this bank when it comes to other entities who seek my information. Yet for me, any transaction I try to do at any time, the bank always requested my ID, PIN # and Debit card to identify that it is me ; even if I write my own personal check. 
Also, at any time I deposit a check or receive a transfer from another entity the bank always delays the transaction for a few days or a week before credited my account. 
From time to time, the bank stops my debit card transactions without consulting with me or tell me if there were any suspicious activities. Yet on XX/XX/2019, someone or an entity stole my name and my partners information who happened to be on my Bank account with Bank of America, reopen a new account with Bank of America under my name or my partners name, and on XX/XX/2019, they transferred XXXX from my only account with Bank of America to the New account which they created with bank of America. Despite that the bank held both my personal account and the fraudulent account under my partners name ; yet after both my partner and I went to the bank complaining that it wasn't us who did the transaction, the bank still refuses to credit my account and left my balance to {$0.00}. while my car payment didn't go through. the bank fraud department told me it will take up to 90 days before I may be able to get an answer. While all my monthly bills and food need to be met. Thant practice of bank of America caused me and my family great grift.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am not indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX OUTP ) Account # : XXXX Date Opened : XX/XX/2019 Balance : {$670.00} ; SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2019 Balance : {$5700.00}
Consumer complaint received 2022-03-29
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. (PA)

I submitted a dispute for an credit report violation. XXXX XXXX violated my rights by reporting inaccuate information. Instead of removing this inaccuracy Transunion listed this as verified, in addition they added XXXX dollars to a balance due. A collection account can not display a past due balance. I do no owe XXXX XXXX, i do not know who they are in addition this collection account is reporting inaccurately. On XX/XX/22 the transunion report showed a balance due of {$220.00}, now after i submitted the dispute it is listed with a past due of {$220.00}. Per the FCRA a collection account should not report a past due and it is the Credit reporting agencies duty to ensure info under my social security number is accurate. A collection account can not report a past due balance.
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

Merchants Credit Guide Company XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA, XXXX To : The Office of Registered Agent for Merchants Credit Guide Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home XXXX XXXX