davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

i have asked XXXX XXXX XXXX  to validate the debt and have recieved no response.this is not me and has injured me .i am a divine being.i sent certified mail XX/XX/XXXXXXXX XXXX  and have not received any response
Consumer complaint received 2023-03-25
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: DISCOVER BANK (RI)

unauthorized inquiry XXXX XXXX XXXX dated XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX unauthorized inquiry, DISCOVER FINANCIAL SER, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXXXXXX XXXX XXXXXXXX, XXXX unauthorized inquiry, XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXXXXXX unauthorized inquiry, XXXX XXXX XXXXXXXX XXXX XXXX have communicated on numerous occasions that i NEVER have given my written consent to perform any credit check or look at my credit report. they have corrupted my privacy and hurt my credit score, I want these inquiries removed at once.
Consumer complaint received 2022-06-13
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: The Outsource Group, Inc (NC)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2020-12-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Dear Portfolio Recovery Associates, XXXX, XXXX, and XXXX Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards mr and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2023-03-25
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: ENCORE CAPITAL GROUP INC. (MI)

Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 
15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR. 

Each fraudulent act has been reported to the XXXX as a complaint against all rogue actors as well
Consumer complaint received 2022-06-14
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. (FL)

In accordance with the Fair Credit Reporting and XXXX Acct 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

On XX/XX/XXXX, SLS received money from XXXX XXXX  Housing Assistance Fund in the amount of {$40000.00}. 

My first complaint is that the amount paid to SLS included money for 3 monthly payments going forward but SLS only applied money to 2 months going forward. 

My Second complaint is that I was charged over {$3500.00} in late fees, legal fees and property maintenance, valuations and other fees. Because of SLS 's errors, I shouldn't have been placed in foreclosure and charged fees. 

I should not have been placed in foreclosure or charged fees for 2 reasons : 1. Even though my dad had asked, SLS, many times to correct the account title to show my name so that I may get correspondence, SLS representatives confirmed that they received our requests but completely ignored us. Because I wasn't getting correspondence from SLS, I didn't know our home was going into foreclosure until XXXX, when XXXX notified me that my homeowners insurance was being cancelled. I had to ask them to research why it was being cancelled and after researching they found out that it was being cancelled because our home was in foreclosure. 

2. The government requires that the account is frozen when the servicer is made aware of the HAF application. The first time, SLS was made aware of our application was in XX/XX/XXXX. Unfortunately, XXXX ( SLS HAF dept ) lied about knowing that we had applied for the funds. I'm providing proof that I notified SLS about our application in XXXX and XX/XX/XXXX, but the house was still placed in foreclosure. I called XXXX several times to explain the situation, but he never mentioned that we were in danger of going into foreclosure. XXXX is unprofessional, vindictive and condescending, he lied about so many things and never documented our conversations in my file. 

I'm also including proof of some of the requests to correct the account title as well as proof that the account wasn't corrected until XX/XX/XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I purchased a used tractor online on XXXX for {$15000.00} via wire transfer. The company I bought the tractor from was XXXX XXXX XXXX in Alabama. They had over XXXX pictures and a video listed for this ( and other tractors ). After negotiating and communicating about the tractor I agreed to purchase the tractor ( via signed contract ) and sent payment via wire transfer from my savings account. When the tractor was never delivered and I was unable to get in contact with the seller I filed a fraud claim with Wells Fargo on XX/XX/XXXX, which was the day the tractor was supposed to be delivered. On XX/XX/XXXX without any attempt to figure out what actually happened, I received a letter in the mail saying they would not reimburse me and that my claim was closed. Wells Fargo never asked any follow up information and to the best of my knowledge their only attempt at getting the money back was by asking for the wire to be recalled. When I called and asked why it was unable to be reimbursed they simply said because I authorized the transaction. I was deceived by a seller who scammed me out of {$15000.00}.
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ClearOne Advantage, LLC (NY)

In 2020 I consolidated my debt with clear one advantage. After paying XXXX monthly I realized that they received more money than my creditors. I called to cancel and shortly after that was hit with a law suit. The lawsuit came from XXXX on behalf of XXXX XXXX. I only received the letter in my mail box and was never served and never signed for anything. This company clear one advantage too advantage of me. Im a XXXX who got overwhelmed with debt and they preyed on me. I looked up to s of information and found out according to 15 usc 16921b that it is illegal. Second, they have put the items that should have been paid back on my consumer credit file. They are taking me to court over this alleged debt.
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC. (FL)

I bought a car from Exeter Finance that was repossessed and I settled the debt with a third party as they promised to remove the hard inquiry after the settlement which has not happened yet. I need the inquiry to be removed immediately due to an unfulfilled promise. 
The inquiry in my credit should be deleted due to the fact that I've paid the remainder of what I owed on the car with a third-party debt collector to which Exeter Finance has sold the debt.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my Experian credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called Experian and the creditors and was given the run around about this situation. If not resolved in 30 days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2018-04-22
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)

I have sent several letters to the credit bureau about the bankruptcy information reporting on my credit report file. I have been sending letters since XX/XX/2017 in regards to this matter. The credit bureau still is reporting the information as verified when I have asked them several times to provide me documation on how the information has been verified and they have yet to obliged. 

The United States Bankruptcy Court stated to me in a letter from the clerk of court that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm any public records. The reason why they do NOT validate public records information is because it goes against the privacy laws. 

I have sent several copies to the credit bureau from the United States bankruptcy court, the XXXX XXXX XXXX, and XXXX XXXX to show proof this item does not belong on my credit file.
Consumer complaint received 2024-02-29
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

My husband and I have been denied the XXXX  consolidation because we have a spousal consolidation loan. We did what the loan advisers told us XXXX  years ago. Had we not, my husbands loans would qualify for the XXXX  consolidation loan and would then qualify for the XXXX program. We just followed the rules and are now being penalized. Currently Spousal Consolidation loans can not be re-consolidated into a XXXX consolidation loan, and therefore these public servants, after a lifetime of service, can not avail of the XXXX program. This condition raises financial risk for married and divorced borrowers in low paying public service. We seek fairness and equal treatment. 

The Joint Consolidation Loan Separation Act should be moved into law this year as it is the antidote to the blanket risk posed by any type of spousal consolidation loan. It installs integrity in the short term XXXX  waiver by allowing public servants who have sacrificed to be treated equitably and be given the same opportunity of credit towards forgiveness as their colleagues. We ask for support for the Joint Consolidation Loan Separation Act and the ability to make these loans into federal direct loans by the XX/XX/2022 deadline as the precursor to allow lifelong public servants access to the newly expanded relief measures in the XXXX XXXX XXXX XXXX ( XXXX  ) program. Many of us have performed public service for XXXX years, yet we are still facing the crushing debt of student loans/interest and a foreboding fear of never getting out from under them as we move towards the end of our working careers and lives. 

Please consider those of us that qualify and are being denied because we consolidated as we were advised to do. We desperately hope to separate our loans, so those of us that qualify for forgiveness can be forgiven, rather than punished just because we were guided down the wrong path.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (FL)

Sequium Asset Solutions LLC is reporting to XXXX I owe {$120.00} for an account opened in XX/XX/2020. Then reporting to XXXX that I owe {$140.00}. I have never done business with nor made any payments to this company. When I sent out a letter for validation, nothing was returned.
Consumer complaint received 2018-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MD)

From XX/XX/XXXX to XX/XX/XXXX never received a bill from citi diamond preferred card now they finally have a debt collector call me fee after fee later and put a d on my credit report. I am beyond mad and there customer service is awful
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

Barclays credit card charge me for services wrongfully applied. I have tried to resolve the problem since XX/XX/2022. I have been verbally abused and even disconnected various time. I have also called and spoken to various employees from XXXX XXXX XXXX XXXX XXXX and from cfpb.gov/debt-collection and nothing has been done. It has been 9 months and Im still being harassed by the credit card company and being charged late fees.
Consumer complaint received 2022-06-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP (IL)

My wife XXXX XXXX and I had separate traditional IRA/CD accounts with State Farm Bank XXXX US Bank recently took over State Farm Bank 's XXXX accounts effective XX/XX/2020. With State Farm Bank, there were no annual fees. But we both just received notice from US Bank that we each owed a {$30.00} annual fee for our account because US Bank charges that annual fee for all accounts containing less than {$25000.00}. XXXX called US Bank twice today and twice was told that the bank could not offer a waiver of the {$30.00} annual fee because of its policy on accounts with less than {$25000.00}. The bank representative said the annual fee was waived last year, during the first year of the account transfer, but now US Bank is sending out notices of the fee. XXXX and I are not aware that we ever received any prior notice of an annual fee. We have XXXX accounts with a number of other banks, and we have never before been charged an annual fee even for similarly small accounts.
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank (GA)

Reordering dates of transactions to cause smaller debits to be insufficient. 
I have been a customer with XXXX XXXX XXXX XXXX for 9 years and am aware of the banks order of processing payments. I did not join in the class action lawsuit filed against Synovus for the processing of transactions from larger to smaller. On XX/XX/2018 I had an available balance of {$200.00}. The definition that Synovus gives of an available balance is the amount of money available to me at that time including all cleared transactions, deposit hold items, ATM transactions and check card transactions. On XX/XX/2018 I placed 2 debit transactions for {$30.00} and {$22.00} leaving an available balance of {$150.00}. On XXXX, I placed a debit transaction of {$30.00} leaving an available balance of {$120.00}. On XX/XX/2018, I had a preauthorized payment of out for {$330.00}. I understand this payment would overdraw my acount and I would be charged {$36.00} for that payment but the 3 debits on earlier dates were processed after the preautherized payment causing me to have 4 charges at {$36.00} each. Why would I have made 3 transactions less than the {$36.00} fee if I didnt have the available funds at the time they were placed. I could have easily went to a local branch atm and withdrew the available {$200.00} and paid cash for the 3 smaller transactions and only had the preauthorized to be insufficient in which that is how it should have been processed. I filed a complaint with the XXXX on XX/XX/2018. The company did not respond. The XXXX sent a second notice to Synovus on XX/XX/2018. As of today XX/XX/2018 the company still has not responded.