davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
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. (MO)

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They also reported and transferred over my information without my permission. A " credit '' check doesn't consist of having my intellectual property " reported '' unauthorized.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

This debt was settled as of XXXX XXXX for the amount {$1200.00}. This information has not been reported to the three credit bureaus and showing as account in collections. This has caused my denial for housing and also trying to obtain personal loan for my bank. I want it to reflect the accurate information.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

Information was send to XXXX XXXX credit bureau and posted to my credit report on XX/XX/19 in the amount of {$1700.00} its account is not mine .I have been with the same phone company for the past 10 years with the same phone number ( XXXX XXXX ). I send letter to XXXX, the collection agency and to the credit bureau asking validation and the removal of the item on my credit report, but the only action by XXXX was to send monthly invoices
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

To date I have had correspondence and phone conversations with Wells Fargo regarding complaint number XXXX. 
The Wells Fargo response to How did the Bank allow the unauthorized withdrawal? was that their records indicate that I had authorized to have funds automatically transferred between accounts. I had not authorized funds to be automatically transferred between accounts. I requested a copy of the authorization if there was one. To date I have not received a copy. 
The response to How will Wells Fargo prevent this from happening again? was to call the Financial Adviser and request him not to transfer funds between accounts in the future. The Financial Adviser did not have authorization in the first place. 
In the meantime Wells Fargo had sent a form 1099 indicating income related to the unauthorized transaction. There was no income and I have requested a copy of the correction from Wells Fargo. To date I have not received a copy of the correction.
Consumer complaint received 2024-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CO)

I have overpaid on my loans by hundreds of dollars a month for a couple of years now, attempting to pay it off quickly. Suddenly in XXXX, my AidVantage statement said I was past due. It charged me for two minimum payments in XXXX. In no way was I past due, in fact, again, I overpay each month. I wrote several times and called once ( XX/XX/XXXX ) and hear that my account is in good standing and they don't know what happened. There was supposed to be an investigation and they would reach out. They didn't. They were supposed to fix the billings dates ( which I believe caused the issue ) but they haven't so far. They were supposed to reach out about that. But they didn't. Now I'm getting mail from the US Department of Education about my missed payment. This has to stop but I feel like I can't get traction. I fear this mistake will affect my credit record and my standing with the Department of Education, particularly if there ever is a forgiveness for accounts NOT past due. This needs to be corrected once and for all and cleared from my record. I want to ensure that the Department of Education is notified of the mistake and the credit bureaus are as well.
Consumer complaint received 2021-10-04
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. (TX)

I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information has made known over recorded lines that they did not receive permissible purpose or consent or nor did they investigate before hand of reporting information to my consumer report. I've recorded lines I have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove these accounts from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verification from lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability. I spoke with supervisor by the name of XXXX ( i.d # XXXX ) and also advised him of the injury stated company was causing me and the possible violations due to injuries. FTC HAS BEEN FILED
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/19, I called Wells Fargo because I noticed my credit card had been closed without any notice to me. This card not only had a XXXX available limit but was also my longest held card so it is an important part of my credit score. My call was escalated twice as employees noticed that it was odd that Wells Fargo hadn't contacted me previous to closing the account. On XX/XX/19, I received a call back from Wells Fargo and they told me that they can not reopen the account. I am concerned about this practice of closing credit accounts without notifying the card holder. I carry the card in my wallet and could have used it at any time to avoid closure if I knew that was going to happen. In fact, I was told that the normal practice is to send a letter about 6 months prior to closure and only require that the customer contact Wells Fargo to keep the account open. I was not afforded that opportunity and now my credit will take a significant hit leading to other consequences.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NY)

SYNCB/QVC XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. SYNCB/QVC  ( XXXX Credit Card ) Date of Inquiry XX/XX/22. This is what I reviewed and I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed. Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable. I am hereby requesting that CFPB investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations. Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter.
Consumer complaint received 2021-10-31
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. (CA)

There has been fraudulent assignments by XXXX, XXXX  XXXX, XXXX XXXX  ; XXXX XXXX XXXX and stolen against my property ( ies ) at XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX Nevada XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I demand a FULL investigation and criminal prosecution against ALL parties involved in defrauding XXXX & XXXX XXXX for profit since XXXX current. Under ALL Federal mortgage & bankruptcy codes, Especially XXXX laws! 

XXXX XXXX XXXX
Consumer complaint received 2017-11-19
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. (NY)

I am uploading additional information pertaining to a previous problem I had with information on my credit reports that were showing a bankruptcy. The upload letter is from the bank stating there was no bankruptcy and that Information is to be deleted. However I still have an issue with this credit union because I did not have 2 loans with them. All loans were combined previous loans were paid off in full. This letter states there are 2 separate loans that is completely incorrect. I only had one loan with them that is supposed to be deleted off my credit reports.
Consumer complaint received 2024-02-19
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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 2022-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Local Management, LLC (SC)

Company persuaded me to renew so payments could get back on track. Before renewing I explained to company that I was in a hardship. Now I am still unable to make payments and company has called three to five times a day. Company has called from different unknown numbers for me to answer call. Company has also discussed payments information with third party stating I am behind 3 months.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IL)

XX/XX/XXXX - financed an XXXX XXXX from XXXX under account XXXX. Watch value {$320.00}, down payment {$140.00}, remaining financed under 24 month term. We understood that as long as theres a current account with XXXX XXXX, the monthly financed amount will be offset by monthly equipment credit. Effectively, the remaining of the financed amount is supposed to be free as long as we have a current account with XXXX XXXX. 

XX/XX/XXXX - account set up with XXXX XXXX on the purchased equipment + XXXX phone lines port over from XXXX. We brought the invoice from the equipment purchase from XXXX XXXX and acknowledged life got in the way of setting up service on the watch right away. Despite that, XXXX XXXX erroneously set up a separate account for the service XXXX, thus decoupled the service from the equipment. This account was set up on autopay. Due to the decoupling, XXXX XXXX system assumed that theres no service set up on the financed equipment, and threw the account in default. 

XX/XX/XXXX- we were notified that the account XXXX ( account that the equipment was purchased ) was in default and sent to collection agency. We reached out to XXXX XXXX and was told that it was fixed and customer rep acknowledged that it was all a mistake. 

XX/XX/XXXX- we were notified that account was still in default and collection agency started calling everyday. XXXX XXXX said theres nothing that they can do since its been sent to collection agency ( legally I still only owe XXXX XXXX, not Collection Agency ) and accumulated even more late fees. 

XXXX XXXX inability to fix billing issues and account set up with us is the root cause of this illegitimate collection amount. They have shirked every responsibility and my attempted to resolve with them directly. I have spoken numerous times with their customer reps and they all verbally acknowledged their errors. Yet when I disputed the debt with the collection agency, I dont believe the relevant facts were provided and the collection agency was still actively pursuing this illegitimate amounts of debt. 

Attached are the original financing agreement, first bill with service in XX/XX/XXXX, account statement on the equipment account showing the equipment credit ( this is proof of how the financed amount was supposed to be free ), and latest account statement with service that shows the account is in good standing.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION (PA)

On XX/XX/2019 I was charged for two transactions that I did not make and contacted the credit card company who contacted me on XX/XX/2019 that the investigation was complete and found to be in my favor. 
The two amounts were {$52.00} and {$34.00} and were to be taken off of my account. 
Well they were but then they were put right back on again as two purchases for the same amount so when I called customer service they told me there was a glitch in the system and the credit did go through but then it went though as another purchase. I called the fraud team there and was told in 24 -48 hours it would be credited again but instead of crediting me onXX/XX/2019 they put it through again as two purchases for the same amounts SO I called the fraud number again and was given absolutely no help but to start with customer service who just put me right back to the fraud team again. This has now been going on for too long and instead of the bank trying to help they just keep messing with my account and I want it taken care of. This bank is grossly incompetent and I am very upset as I am getting nowhere. 
So instead of only owing {$140.00} they now have my balance up to {$320.00} I have made no purchases since the fraudulent charge showed up so anything on my account showing as a purchase is the bank adding back the fraudulent charges to my account. If needed the fraud department phone number is XXXX and my ticket number is XXXX
Consumer complaint received 2022-08-11
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. (MO)

the disputed fraudulent information from my Credit Report. I sent a letter dated XX/XX/XXXX to remove the information reporting on my Credit File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} CHLD SUPRT XXXXXXXX Balance Owed : {$30000.00} CHLD SUPRT  XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dyck-O'Neal, Inc. (NC)

Dyck ONeal is reporting collections as open accounts with past due dates and past due amounts.these are COLLECTIONS accounts, NOT open accounts.they are reporting FALSE information in violation of the FDCPA and FCRA.i called them on XX/XX/XXXX to ask why I havent received information I requested in XX/XX/XXXX and they said they sent it in XX/XX/XXXXand would not send it again.thier false information is damaging my credit and they REFUSED to send requested information.they are committing fraud with this inaccurate information and if they dont want to remove it I intend on seeking legal action and expect them to pay the {$1000.00} per item fine as required by federal law
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Summit Financial Corp. (TX)

Summit Financial is continuously reporting I owe $ XXXX in debt for a car I never had in my possession at all. XXXX XXXX is the owner of this car he has used my name in Texas I even have a Texas address listed on my credit report I have been trying for over 5 years to get this debt erased and I am sure the statue of limitation has passed please help me get this debt removed. I have disputed this debt yet every month it keeps reporting as delinquent hurting my credit score. I am a XXXX XXXX at this point and I just want all of the harassment and embarrassment from this debt collector to stop.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XX/XX/XXXX I submitted XXXX dispute letter ( EX. A ) to XXXX, XXXX and XXXX regarding factual errors on my consumer report. The factual error was as follows : Capital One Acct # XXXX has been illegally re aged, giving me XXXX different dates of last activity - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. This is the account I was addressing, however, there are XXXX accounts ( EX.B ) with the same account number, different amounts and different payment schedules. In a response letter ( EX.C ) received from Capital One dated XX/XX/XXXX, they only addressed XXXX account, the one in which I am not disputing, same account number, different start date, different amounts. Capital One had access to both accounts, since both accounts were created by them and in their system. My complaint is this, I disputed my XXXX of my accounts with Capital One for factual errors and illegally re aging the date of last activity falsifying the end date. Capital One has willfully blocked and declined me my rights to a fair, accurate and complete consumer report. By not addressing both accounts which they have access to, they are causing me time away from work, undue stress and possibly a financial opportunity in my near future. Please reinvestigate into these illegal reporting activities and delete the entire account # XXXX at the risk of me losing good payment history on XXXX of the accounts. Thank you for your assistance in this matter. Exhibits attached. I am also attaching proof of ID and proof of address.