davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
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. (NY)

I am reiling this complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Consumer complaint received 2022-02-10
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX Late Payments from XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Personal Loan Late Payments from XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

This is my second claim against JP Morgan Chase due to your continuation of lies and deceiving this is about a claim of {$24000.00} that shes allowed me to open not informing me of any time limitations or amount limitations the claim was open on the XX/XX/2018 which chase claims that was way past they have 45 days limit to file claim but weeks and weeks and weeks of me calling and calling the claim was still processing and I was informed that would take up to 90 days to be completed their investigation in my case it took 45 days lots of phone calls for Chase to deny my claim saying that was over their timeframe I found my first claim here and Chase did the same thing delay two weeks and then denied the claim again saying that I never called you dont have any records of my calls here are the records of my calls and documents. Chase actually refuses to follow up with my claim or even to investigate my claim due to the fact that since this incident happened I have not deposit the single XXXX my account and Chase has overdrawn my account for over {$2700.00} and now they want me to make a deposit to bring my account current I think thats why Chase doesnt want investigate my claim. I have attached my phone log with all the phone calls that I made it to Chase to prove that I have called and called and that they lied and lied saying that they have no record of me calling
Consumer complaint received 2018-03-16
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. (FL)

I have spoke to XXXX about this matter following the bankruptcy in XX/XX/XXXX, they said they would start processing it. In XX/XX/XXXX I spoke to them again and was told that my lawyer did not fill out and send the proper forms to make them comply so they were not going to report.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (CA)

I signed up for an XXXX store card for my XXXX payments and they automatically signed me up for their Card Security Program which provides coverage in the event of death, XXXX etc. I did not give my consent ( or was not aware of giving my consent ) when I signed up for the card. I received a non-descript notification in the mail alerting me of this and have cancelled my participation by phone. 

Apparently they have a checkbox in the card application process. I do not remember checking that box ( and never would have ), so I can only assume that the box was checked automatically and it was an opt out.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX However, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

Equifax is reporting negative and fraudulent information to XXXX XXXX. When I attempt to provide contrary evidence, and file a dispute this online through Equifax, I am being told that this is not an option and to contact them. I see no reason why I should need to call and explain something that I have proof against, if there is a method to do so online. Equifax is not following the guidelines of the Fair Debt Reporting Act, and is reporting information about me in a sense of defamation of character. This is indeed fraudulent, and should not be permitted.
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. ()

XX/XX/2019 Tried to dispute an account with Equifax that is closed and too old to be on my credit report The closed account is with XXXX XXXX XXXX. 

The process to dispute an account with Equifax is quite complicated, for me. 

Type Auto Responsibility Individual Remarks Charged off account.

You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

To whom this may concern, This is a follow up to my previous letter sent on XXXX XXXX, 2016 that has not received a response. 

I have become suspicious that there is incorrect and outdating information on my Chex Systems file as a result of identity theft. 

Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a XXXX bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. 

I have attached the necessary information to verify my identity. 

Sincerely Yours, XXXX XXXX XXXX
Consumer complaint received 2017-03-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Red Cedar Associates LLC (CA)

I got a call stating that I needed to be home on XXXX/XXXX/17 because XXXX XXXX was coming to serve me with legal documents that I needed to sign because a company was taking legal actions against me and I should call XXXX for more information. I called and the company is Red Cedar Associates the guy said he was collecting for a payday loan company called XXXX I asked him did he buy the debt from them he said no that they are collecting for them and I needed to pay XXXX $ to him today or if I got served with the legal action it would be XXXX plus collection fees and interest fees and that they would win in court because they have my bank information.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received a XXXX from Bank of America regarding a check for {$12000.00} they sent me in XXXX of 2014 as repayment because they violated the SCRA on my credit card account while I was deployed. Upon receiving the check last XXXX, I verified with BOA that the check was legitimate and asked what it was for. They said they were repaying my interest on my credit card account that I had over payed due to their error. Now I have received a XXXX for a different amount, {$9000.00}. I spoke to a representative this morning and she claimed this amount was the real amount of the overpayment and that the difference between the check and the XXXX was something akin to restitution. She said the difference was nontaxable, but the portion recorded on the XXXX was taxable. According to her, the XXXX amount was credit card interest I paid while deployed. This is fraudulent however, because I already paid taxes on that amount when I included it as primary income from the XXXX when filing taxes. They are offering no further help.
Consumer complaint received 2015-11-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

tion or Company : Wells FargoStreet : City : XXXXState : NCZip : Phone : Type of Account ( s ) : ( If you are unsure of the type of account ( s ), please contactyour financial institution for assistance. ) Deposit Account ( Checking, Savings ) _X_ Credit Card ___Loan Product ( Consumer, Mortgage, HomeEquity ) ___Asset Management ( TrustAccounts ) ___Consumer Leasing ___NonDeposit Account ( Investments ) ___Insurance ___ Other XXXX Print Complaint FormXXXX XXXX XXXXXXXXHave you tried to resolve your complaint with your financial institution orYESIf Yes, when? 
XXXX/XXXX/2015How? 
Phone, OtherHas the financial institution responded to your complaint? 
NOIf Yes, when? How? 
Contact Name : XXXX : call center XXXXCOMPLAINT INFORMATIONDescribe events in the order they ocurred, including any names, phone numbers, and a full description of the problem with the amount ( s ) and date ( s ) of anytransaction ( s ). Be as brief and complete as possible to make the explanation clear. 
Do not include personal or confidential information such as your socialsecurity, credit card, or bank accounts numbers. 
They have, for the 3rd month in a row, stolen {$14.00} from my business checkingaccount even though it is linked to a {$19000.00} credit line which waives the $ XXXXfee. Called their phone center 45 minutes got an XXXX who lied aboutwhere she was, refused to transfer me to a supervisor and said they wouldcall back still waiting for XXXX others to call back from Tuesday andWednesday. They claim they fixed the issue fully knowing that this is untrue. 
They think that I wo n't notice this charge and/or wo n't waste my time tryingto resolve. They are doing this to every small business and you need toinvestigate this fraudulent practice For me, I want a refund andcompensation for my time as well as seeking that you fine them for fraud!!! 
They are XXXX with me and charging me {$14.00} when my line of credit isover {$10000.00}. They have XXXX with me for the past 3 times and have LIEDsaying this has been corrected. MAKE THEM FIX THE ISSUE AND STOPATTEMPTING TO STEAL FROM ME. HOW DARE THEY BLATANTLYATTEMPT TO STEAL MONEY FROM ME AND, WHILE YOU ARE SUPPORTEDBY THEIR LOBBY, I EXPECT YOU TO SOMETHING ABOUT THESECROOKS!!! 
Please be advised that the issues described in this complaint will be shared with
Consumer complaint received 2022-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

AFFIDAVIT OF TRUTH In both private and public concerns, I'am the consumer : in truth I am the natural person, original creditor, and administrator. Fact, the fair dept collection practices act is intended to secure my privacy and to ensure fair, accurate practices. 

FACT # 1 according to FDCPA 15 usc 1692c ( C ) once a consumer notifies a debt collector in writing that they refuses to pay an alleged debt, and wishes to cease further communication, a debt collector must not proceed to communicate with the consumer unless it is advise to the consumer that the debt collectors further efforts are being terminated .thought the account number in ( XXXX ) was never validated and cease and desist was sent and was never responded to. And XXXX XXXX HAS BEEN VIOLATING or for the {$590.00} amount Willfully continued to violate federal law under FDCPA 15 USC 1692C ( C ). FACT # 2 under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract .the debt collector that pursuing to collect on the account have not comply with FCRA laws and did not comply with my demand I am demanding to see a copy of the verifiable, validated proof ( an original consumer contract with a wet signed signature on it, copies of copies are not validation and by law are not considered proof ) that you have on listed on the account is a result violation of under the FDCPA 15 usc 1692g. FACT # 3 Under THE fair debt collection section 806 15 usc 1692d ( 1 ) federal law prohibits the engage of any use or threat of use of any violence or other criminal means to harm the physical person, or the property. ( I never agreed to any to any threats to place an account in derogatory status, either verbally or in writing. FACT # 4 under FDCPA section 807 15 usc 1692 ( 5 ) federal law prohibits the threat to take any action that can not legally be taken .i the affiant I am aware to and have proof in the enclosed documents labeled FACT # 5 under FDCPA section 808 15 usc 1692f ( 8 ) federal law prohibits the use of any language or symbols other than the debt collectors address on any envelope. FACT # 6 under FDCPA 15 usc 1692i- ( 2 ) ( B ) federal law prohibits legal actions by a debt collectors ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. The company thats attempting to collect on this debt is in violation of federal law, please cease and desist all collection attempts.
Consumer complaint received 2015-05-10
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TN)

The collector stated that he could not accept my payment of what i could afford {$50.00}. The collecter then proceeded to tell me if i can pay {$7000.00} it would be paid in full when i said i ca n't afford that he said can you get a cosigner for a bank loan.
Consumer complaint received 2016-07-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (CT)

I went to the TD bank ATM located on XXXX XXXX in XXXX Connecticut this morning around XXXX. I proceeded to withdraw {$300.00} from the atm. The atm stated on screen there were " technical difficulties '' and it gave me my card back, no money, but the funds were deducted from my account. We were going to book our wedding venue and this was a huge burden. I was told to fill out paperwork and " may '' get my money back. Please note that this happened a few years ago for {$200.00}, i filed the correct paperwork and they did not return my money. I found out that there were at least XXXX other people today that this happened to at the same location thru our towns XXXX page. They should have said the ATM was out of order at that point. This has been a ongoing problem with TD bank and they are robbing their customers
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (FL)

Please I want this information to be deleted from my report since it greatly affects my status. I have a lot of problems with this.. 


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 2022-08-09
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (GA)

I keep receiving frequent, incessant phone calls from a company that asks for me by First and only part of full name. They offer themselves as XXXX XXXX. I have repeatedly asked them to cease calling my nbr  and was told that they would respect my wishes ; however, have cont 'd and I believe increased calling.

Furthermore, I share the Nbr they are calling. A lady yesterday was told that I was not whom the person was speaking to and that moment someone besides myself was asked for info that they should not and the caller identified herself, company and gave up way too much info ; including, my private, protected info. The family member asserted that this is not the correct practice to solicite info and give up info and the lady quickly stopped ; however, upon call 3 more times, she was told to stop calling the nbr ... She agreed and yet, they continue to call multiple times and sometimes back to back ; including hanging up ...

XXXX is one nbr  that called at XXXX on XX/XX/XXXX ( sub no contact request and grant ) XXXX ( SAME ) at XXXX XXXX SAME nbr  : XXXX  and XXXX XXXX XXXX as well I have copies of phone records and witnesses to repeat dialing, solicitation of private, confidential info to personal family and work members and refusal to stop calling me during work hours and on work phone.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY EQUIFAX CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATE.
Consumer complaint received 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: American Debt Consolidation (TN)

In XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX. I was looking to consolidate my student loans because XXXX was charging me {$590.00} which was definitely unaffordable as a single parent. I was told that I qualified for the student loan forgiveness program and if I paid three payments of $ XXXX would then make payments of {$60.00} a month and after 10years my loans would be forgiven. In XX/XX/XXXX I called XXXX XXXX XXXX XXXX again because i had not heard from anyone or received any paperwork on my payments I was then told to pay A one time payment of {$5.00} to XXXX and then my payments would start. Almost a year later and XXXX is calling for a {$590.00} payment. I think I have been ripped off!! I Need my money back!
Consumer complaint received 2015-05-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (CA)

Repeated phone calls covering XXXX years for a person named XXXX XXXX, who apparently had my phone number previous to me. 
The agency goes by the name of Receiver Performance Management. Their phone number is XXXX