davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC (GA)

The representative was very rude and using a tone that was absurd! She stated she know I can't make payments because I'm broke so I need to talk to my husband. She repeatedly made that assumption that I can't pay on my own. She used a loud strong tone for personal information such as asking for my husband job information and made me feel uncomfortable! She kept telling me I have no options but the options she was giving which is a lie because the option letter and online portal says differently!
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2800.00} XXXX XXXXXXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX I opened a XXXXXXXX XXXX offering no interest for 18 months on balance transfers. I initiated a balance transfer from American Express of {$3500.00} to the new XXXXXXXX XXXX in XX/XX/XXXX and it took effect on my XXXXXXXX XXXX ending in XXXX on XX/XX/XXXX. 
I looked at my accounts XXXX yr. later to see that the transfer of funds was not taken off my American Express card ending in XXXX. I have been paying both cards for the balance since the transfer. 
I have been calling both companies with no advancement in the situation. American Express did suspend the amount temporarily asking me for the 6th time for the same information that was already given to them. Apparently, they are giving me a run around because we are not getting anywhere as it is over XXXX of contacting both companies. 
Please step in to get this corrected.
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I got a phone from XXXX and the phone broke back in 2015 and I returned the phone from them and I have email confirmation from them saying they received the phone but I never got a knew one so they sold my information to several collection agencies and now Im being harassed for debt that it not owed.
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DigniFi (MD)

I have been making attempts to pay my debt to the company Dignifi and they are not accepting my payments. 

I have been calling to make payments for more than XXXX months, and the company tells me they are sending my account to collections but will not tell me how to reconcile the debt. I have sent an email to the company in an NOI ( Notice of Intent ) action, but the company will not answer. From XXXX to XXXX the company will not take my payment, and I owe about {$3400.00} so I can make payments if they accept them from me. 

Company Website XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX - XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Experian is showing 5 late payments on the page that shows my credit score. I do not have any late payments. I contacted them Friday XX/XX/2022 and spoke to the disputes department and the department that handles my personal web page. Both departments can't find any late payments and just kept referring me back to each department. The 5 late payments is still showing and they will not take it off.
Consumer complaint received 2021-03-31
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. (MN)

My credit has been ran numerous times in past few years without my knowledge! They are unable to provide documentation that I have submitted inquires. Asked them to be removed and unsuccessful.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Dear Sir or Madam : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Resulting from the identity theft that should be blocked, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely,
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: EQUIFAX, INC. (TX)

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

Account Name : 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-13
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)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE OPENED THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX I HAVE ENCLOSED MY FTC REPORT
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (WA)

I have opted out of all advertisement from Wells Fargo and am now reviving credit card offers as well as soft pulls on my credit report from them. I have not accounts other then a mortgage with them. The opt-out from advertisement should cover all items and services. In addition they inquired about credit with out permission in their credit card services. When bring the issue to their attention I waited on hold for XXXX hours only to be hung up on! Opt out means do not contact unless is regarding current accounts. Not here is a credit card offer!
Consumer complaint received 2024-02-19
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I already submitted a complaint through the CFPB but something else happened afterward. A few days after my complaint was sent to BOA, I got a voicemail on XX/XX/24 from BOA saying I would be getting a {$3500.00} credit back to my Visa card. I saved this message and sent a copy back to BOA to prove what I keep telling them is true. The message said the credit would appear on my account by XX/XX/24 but it never did. BOA is the one who initially made the mistakes in denying my claim in the 1st place because they didn't notice the merchant and 3rd party were different people and they didn't notice my signature had been forged on the electronic receipt from the merchant. BOA has promised to credit my {$3500.00} back twice now so they should keep their word and give me my money back immediately!
Consumer complaint received 2022-01-13
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

Santander used predatory lending practices and was in litigation with the XXXX XXXX XXXX XXXX XXXX XXXX These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for 8yrs and 11 months that should not be there!
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AZ)

This is my SECOND complaint about Wells Fargo and I filed a complaint with my states Attorney General. Wells Fargo is still committing fraud and identity theft against me. I filed a CFPB complaint reporting the violations they made against me with proof for all. I filed an FTC identity theft report. I sent an Affidavit of Truth via certified mail XX/XX/2021. I also attached proof they received it ( XX/XX/2021 ). Under the Laws of Commerce, an un-rebutted Affidavit Stands as Truth. I'm writing this complaint to address that Wells Fargo has not rebutted the Affidavit I have sent them. They responded to my last CFPB complaint with documents stating they did a " reasonable '' investigation. This is not a proper rebuttal to an Affidavit of Truth. Plus, they must rebut ALL violations with proof of ALL and via ANOTHER Affidavit of Truth. They failed to do so. Therefore my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me. 

One of the " rebuttals '' on their " reasonable investigation '' was that I paid multiple payments on the card. This was a violation I provided in my Affidavit of Truth. This shows me they didn't even read it. They committed to their own crime and are seeing if I'm paying attention. I AM. They sent me XXXX statements for 2021 showing that the payments I made which is unlawful pursuant to 15 USC 1692h ( which, again, was a violation I provided in my Affidavit of Truth ). 

Wells Fargo proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof is attached. Not to mention, a class action lawsuit was filed against Wells Fargo for opening unauthorized accounts in the past. This is a violation of 15 USC 1602p. 

I now have more late fees accumulating on the account and it has decreased my XXXX XXXX drastically, not allowing me to obtain more credit. 

This is completely unlawful and abusive. I have done all steps needed via the federal law and Wells Fargo is still breaking FEDERAL laws pursuant to the FDCPA and violating me as a federally protected consumer under 15 USC Chapter 41. Wells Fargo is still liable for all statutory damages that I have endured ( refer to initial CFPB complaint ID stated herein ). I did not apply or sign for the card with the new account number, therefore I am not to be legally held to the contract.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Been trying to fix this problem for a long time. A lot of information is incorrect. I cant receive a proper credit report. Ive put in an identity theft report. Ive placed fraud alerts to all three bureaus.
Consumer complaint received 2022-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IL)

On XX/XX/2022, I found out that Navient made a settlement for loan forgiveness. I called on XX/XX/2022 and asked XXXX people if I was impacted by this. They stated they had no idea and had no idea who could give me this information. 

I am seeking to know if my loan is a part of the settlement. I would like this via email.
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2023-04-25
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I am challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have this XXXX accounts that was close because a wrong return payment. I made the payments on time for over XXXX  years never have XXXX  missing payment or nothing wrong with the account. They close XXXX accounts because a return payment of the account that was payed already. This is insane
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CreditNinja Lending, LLC (TX)

On XX/XX/2021, I revoked my ACH authorization and was told via email and phone that the ACH authorization had been noted and that my bank account information had been removed. Today, XX/XX/2021, a payment was deducted from my bank account. This payment was not authorized by me. I have contacted the company to reverse the payment but with no response.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )
Consumer complaint received 2022-01-13
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. (IL)

In XX/XX/XXXX we started a 4 year lease with XXXX XXXX. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later XXXX decided the insurance company did not pay them enough. XXXX told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In XX/XX/XXXX we started a 4 year lease with XXXX XXXX. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later XXXX decided the insurance company did not pay them enough. XXXX told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX we started a 4 year lease with XXXX XXXX. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later XXXX decided the insurance company did not pay them enough. XXXX told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.