davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I sent an a debt validation to Capital One asking them to validate the debt they are saying I owe they then sent me a letter back asking me for my account number and a various amount of other information basically the information they are asking me for is a way to get me to unknowingly verify the day I feel like they have no signed contract on file for me therefore I am asking that they remove this debt from all three credit bureaus XXXX   XXXX and XXXX
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I have already filed two complaints against Wells Fargo and after the second complaint they actually did assign a single point of contact and initiated a review of my current financial circumstances. As pointed out in my previous complaint, things had changed, my financial situation has improved, I have my daughter and son in law living with me and they are working and contributing to all household bills. I have increased my sales and commissions each year from my XXXX XXXX job and Wells did not have any of this information on record. While this initially seemed like good news, my assigned point of contact at Wells Fargo named XXXX has disappeared on me. I have tried to reach her several times, as has the nonprofit that has been assisting me and there has been no response. XXXX had misplaced or lost my updated financial information on three different occasions over the last month and conveniently enough Wells Fargo scheduled a sale date for next month. Based on Wells Fargo 's track record with customers I believe this to be intentional and a prime example of dual tracking. Wells told me they would allow me the opportunity to be considered for all homeowner assistance programs and after I provided them with the information they requested they lose or misplace it on multiple occasions and at the same time set a sale date. This is concerning, and not the first time this bank has engaged in unethical behavior. They should be investigated by your organization.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Im contacting Equifax after your response to my complaint through CFPB. The complaint number submitted was XXXX. Equifax did not provide/address the complaint. Per FCRA, your company already has missed the 15 day window to provide how you investigated the account you are reporting as XXXX XXXX and it should be permanently removed. There isnt any further investigation as you already stated you are not reporting it via mail. Completely remove the account as Ive made several attempts to have it removed. Thank you,
Consumer complaint received 2017-12-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (MA)

I 've had an open case with this company for two years and have been in and out of court. The case came to a close when the judge dismissed it. However a few weeks after thw case was dismissed they started garnishing my wages. I have been unable to contact any of the attorney 's at the office, and can not get an answer from anybody in the office.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada) (NJ)

We sent a letter to the collection agency on XX/XX/XXXX disputing the debt and claiming our rights under 15 USC 1692c ( c ) and 15 USC 1692e ( 8 ). The collection agency received the letter on XX/XX/XXXX by certified mail-return receipt. 

On XX/XX/XXXX, the collection agency reported the debt to a credit bureau with no statement of the debt being disputed in violation of 15 USC 1692e ( 8 ).
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

Hello, I have been dealing with a serious issue with the company FINANCIAL CREDIT NETWORK INC located in XXXX, California. This is company is a collection agency who has been coming after me for an alleged " debt '' they claim I owe them, but have not provided substantial evidence that we have a contractual agreement or any instrument of indebtedness in which I signed with them. I have been corresponding with them since XX/XX/XXXX via certified mail with return receipts and FCN has yet to fulfill my request. FINANCIAL CREDIT NETWORK INC has violated FDCPA laws by not validating their claim that I owe them a debt within 30 days then the matter between myself and FCN would be settled. Well there hasn't been any feedback from the company and they're still reporting the erroneous item on my credit report making it hard for me to engage in commerce. They have violated 15 usc 1692 codes c through g violating my rights as a consumer.
Consumer complaint received 2020-11-24
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. (NY)

As previously notified before, I XXXX XXXX born XXXX XXXX am a victim of identity theft and i myself did and am sending this complaint.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

TO WHOM IT MAY CONCERN IM CONFUSE I BEEN BATTLE WITH EXPERIAN ABOUT A BANKRUPTCY THAT ONLY SHOW UP ON MY EXPERIAN REPORT THAT IS INCORRECT INFORMATION. XXXX AND XXXX DO NOT HAVE A BANKRUPTCY SHOW ON MY CREDIT REPORT. I NEVER FILE BANKRUPTCY IM TO YOUNG AND YOU GUYS HAD TO MAKE A HUGE MISTAKE.
Consumer complaint received 2023-06-12
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has used my personal information to open and established fraudulent accounts in my name, I was in the military in 2009 came home late XXXX and XXXXXXXX XXXX XXXX  this is where it started they used my information to open accounts, I never open an account in 2009, I have been going through this mediation process over 5 years and still finding out that the wells Fargo rep that worked in the XXXX branch in ga used my personal information to commit identity fraud, trying to open insurance account, and other accounts, I have recently got a mediation form filled it out sent it back, I spoke with this claims rep in the mediation program I dont appreciate being antagonized on the phone, this has damaged my credit, and Im having someone to try to file taxes in my name I want this resolved, Im being trying to get this resolved but this guy XXXX doesnt want to realize what this has done to me, Im not going to deal with anymore I want someone to get in touch with me so I can resolve this before I take legal action, I know my options, I gave this claims rep XXXX settlement offer if XXXX plus Wells Fargo pay the taxes, now its a even XXXX or Im going to hire this attorney, Im tired of having the finger pointed back at me, now resolve this before I hire this attorney, I have a witness that heard claims rep XXXX say that their were other accounts open in my name but decided to change his story, wellfargo had leaked my information on the dark web, and I have spent countless hours calling credit bureaus, XXXX, XXXX, XXXX, Im tired of it, now resolve this have someone reach out to me before I file a law suit, Wells Fargo has done enough damage,
Consumer complaint received 2021-12-09
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. (AK)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (OH)

On XX/XX/XXXX, I sent a letter requesting debt validation to Meade and Associates, a debt collection company. The original creditor is XXXX XXXX in XXXX, Ohio. I received a response back from Meade and Associates on XX/XX/XXXX with a statement attached to their letter demanding {$3100.00}. I noticed on the statement alleging that there were two columns - one for 'Debits ' and one for 'Credits '. There are items in the debit columns that show money owed to the school. However, on the last page of the statement, it shows on XX/XX/XXXX as the date that the last account activity occurred. Then on XX/XX/XXXX there is an 'account adjustment ' that appears out of the blue in the credits column in the amount of {$3100.00}. This would appear that I am owed the {$3100.00} or that the account was credited in that amount. I have serious reservations as to what this charge is for as it appears on the account, out of the thin air almost 16 months later. This seems like it was more of an 'account adjustment ' to put a little more coin in their pocket. Meade and Associates did not provide adequate validation of a debt and are reporting this debt on my credit files through the major credit bureaus. There is no financially sensible person who is going to pay that amount of money without validation. That is why financial laws, FCRA, and FDCPA exists. That is no different than a bank loaning someone {$20000.00} for a car and 16 months after the customer pays it off, creating some exuberant balance and telling the customer to pay it or it goes on your credit. XXXX XXXX has a history of this and if any research is done via XXXX and keywords ; XXXX XXXX, Payments, and Reviews, one would find a multitude of past and present students who claim to be scammed by this school. 

Furthermore if a debt can not be validated or is erroneous in nature than it is to be removed from the consumers credit files with XXXX, XXXX, and XXXX under [ 15 U.S.C. 1681s-2 ] FCRA Sect. 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) which is stated as such : FCRA Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.
Consumer complaint received 2018-03-01
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. (PA)

I received a XX/XX/2017 XXXX from XXXX XXXX about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can XXXX XXXX   cancel the debt and still say that balance is valid?
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Validation of Debt and HIPPA Authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until debt has been validated by me Additionally, reporting of this debt to the prior to allowing me to validate it is a violation of the Fair Credit Reporting Act. I have already sent 5 validation letters via mail. I have not received a response or update in regards to this matter. 
Account in dispute : XXXX XXXX XXXX
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

This has been going on for almost a year now and I need help ASAP! I filed a fraud claim in XX/XX/2020 for 26 charges made to XXXX XXXX AND MADE IN XXXX XXXX! I have been calling and have followed all of their instructions and to this day, I have not received credit for the 26 fraud charges in the total amount of {$2500.00}. I called in XX/XX/2020 to follow up on yet another fraud claim I filed and the agents I spoke to kept saying something about ACH transactions and that they were having issues with filing the claim. I was told days after days of calling and being hung up on a few occasions their system were down and I needed to keep calling. Thats not my problem! I finally spoke to another agent who told me he had to send an email to his manager ( XX/XX/2020 ) and that the manager would submit the ACH claim. This was in XX/XX/2020! Check the records! I called a few weeks ago and was told that its in the system but that they were working on it. I havent received a call or letter and honestly I am tired of it! I filed a fraud claim back when the charges posted ( end of XX/XX/2020 ) and I was told that the claim never happened. This was a lie and this is why. I filed a fraud claim for the 26 charges to XXXX XXXX for {$2500.00} and 1 charge to XXXX for {$2000.00}. They investigated the XXXX charge and I received the credit but they did nothing for the 26 charges to XXXX XXXX. 

Please please CFPB I desperately need your help. Please have BOFA credit my account for the fraud charges! Next steps will be to get a lawyer! 

Fraud acct : XXXX XXXX XXXX XXXX Newest acct : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-05
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. (AK)

Contacted XXXX  on XXXX XXXX discovered account balance on Paid account listed over 900 dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with XXXX  via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XXXX  XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (IL)

just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (PA)

I XXXX XXXX XXXX a consumer citizen of heaven sent a letter on XX/XX/XXXX, via certified mail with request of validation of debts. The letter was received by NAVY FCU on XX/XX/2021. Documentation attached. 

As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. 

This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation is requested ( FDCP 15 USC 1692g Sec 809b ) in the following order : Full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies and overall compliance with all FCRA and FDCPA by laws as instructed by federal law. 

It upsetting to know such companies do not follow rules and laws. More importantly, companies such as the pursuant above should be held accountable for their actions. 
According to the FCRA a corporation is required to respond and complete and investigate within 30 days. 

As of XX/XX/2021, I still have not received anything pertaining to a complete investigation. Based upon evidence available to me, there is no debt owed. 

These laws are to make sure that there is a level of fairness to protect American consumers from nefarious, abusive reporting procedures on credit consumer reports, as well as illegal and deceptive collection practices.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

ON XX/XX/2020 I spoke to a Capital One representative regarding my account and my inability to pay the minimum amount due to COVID. I was told by the account representative that she was going to put me in a payment program of {$200.00} a month for the life of the balance. After paying the {$200.00} I was told I was past due. I reached aback out and was told that there was no program of the sort. I escalated the issue to senior management which took several months and several months of receiving late payments ( which they still have no fixed for my credit score ). I was told at that time that if the agent said that they would have to honor it. Well i was contacted by a manager and was told that I was correct and the agent did in fact say that ( they then waived all late fees ) but was told they still couldn't put me into a program even if it was one the agent told me. I called again today to see about the program and they gave me no options just that there is no program available and they wont honor the one the agent told me about. They are abusing their power and should be held liable for promises that there agents make that they do not honor, especially when it can be proven. I asked to speak to another senior supervisor regarding this and they wouldn't let me because " I already spoke to someone about this '' so not only will they not honor the program but they wont even communicate with me. The conversation was done by chat so it should be easy to pull up if they haven't altered it.