davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

We received collection notice on XX/XX/XXXX from Americollect, for services to my husband XXXX from XXXX at XXXX XXXX. We paid this bill XX/XX/XXXX upon receipt and now they sent to collections. Immediately on XX/XX/XXXX, I emailed supporting payment documents to the Collection agency and followed up with a phone call to XXXX later that day. She said to give it 2 weeks and they would follow up with XXXX XXXX. I called back in on XX/XX/XXXX, talked to XXXX, said XXXX hasn't responded, give it another 2 weeks. I called again on XX/XX/XXXX spoke to XXXX, they said they'd follow up ( email only ), but account can only be held until XX/XX/XXXX, which made me nervous, as no action took place yet. I called again on XX/XX/XXXX talked to XXXX, she said XXXX hasn't responded, I asked to talk to a supervisor, held for XXXX minutes, hung up and called back. Was then transferred to a supervisor XXXX at about XXXX pm. She didn't seem too concerned that I was frantic about our credit and said they'd follow up email again to XXXX. Getting nowhere, I called XXXX on XX/XX/XXXX, spoke to a XXXX, whom took my call. I had to send them supporting documents to email : XXXX, assigned case # XXXX. I have emailed them 6 times to check in, they said they would call collection agency to hold account. Per my call to XXXX at Americollect yesterday XX/XX/XXXX, XXXX has not at all reached out to them. We are at our wits end, and I told them both my husband and myself have XXXX credit scores, and no one seems to want to help us. No one seems to be helping us here, so I am turning to CFPB for assistance. Please let me know if you need anything additional and how this can get resolved once and for all. XXXX!!
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was checking updates on my credit report if everything deleted but unfortunately I see the same negative information as before. Why you keep posting these accounts on my name. Im sure that someone have my personal information
Consumer complaint received 2020-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (PA)

Used Zelle payment service via the XXXX XXXX  app to send money. Transaction posted XX/XX/14 ( XXXX # XXXX ) for {$340.00} Money was transferred but goods were not received. XXXX XXXX will not refund money claiming their disclosures holds them harmless. Since Zelle is integrated with the XXXX XXXX XXXX, a reasonable person would presume it to be verified and escrowed by the bank. No disclosures or warnings appeared on the app when making the transfer to the contrary. XXXX XXXX opened a case ( XXXX ) but made no promise or expectation of reconciliation.
Consumer complaint received 2020-04-20
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. (DC)

On XX/XX/XXXX I sent a dispute to Experian ( via certified mail ) to dispute incorrect account ( XXXX ). I have never done any business dealings with this collection agency. The original creditor ( XXXX XXXX XXXX XXXX ) in who they are stating that they are representing for, I have directly settled this debt with them back in XXXX of XXXX and received two receipts from the original creditor before the company sold the property in XXXX of XXXX. 

I provided both receipts from the original creditor to Experian as proof of evidence, and on XX/XX/XXXX Experian sent me their results of my dispute, in which they stated the account is still being reported collection with no changes, and the account being removed in XX/XX/XXXX. 

The issue I have with Experian results is as follows : 1. ) I have been disputing this account for over 6yrs. and every time they deny in removing this account, they also fail to honor my request when denying to remove this account after their investigation, with forwarding me proof of validation from the reporting collection agency ( XXXX  ) that I owe this debt and directly to them. 

2. ) I continue in every dispute over the last six years to Experian in showing proof with contact information from the original creditors attorney, that I paid the correct balance of {$2500.00} ( not {$4600.00} ) directly to the original creditor and was given two receipts ( see attachments ) from the original creditor that all obligations was settled in full in XXXX of XXXX ( 5 month before XXXX reported this inaccurate account with XXXX  ). 

3. ) Never heard or or done any business dealings with XXXX. I have contacted this agency on numerous occasions and filed a couple of complaints with your organization and their local XXXX. This agency refuses to send me validation of proof, even after requesting and demanding for them to please contact the original creditor for validation/confirmation that this account was paid in full with them directly. I have also sent them the receipts from the original creditor itself and they refuse to update their records.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (AZ)

I was approved for the Barclays Wyndham Rewards XXXX XXXX credit card on XX/XX/2022. At the time of approval there was a welcome offer for XXXX bonus points after spending {$2000.00} in the first 90 days. I met the minimum spend requirement on XX/XX/2022. I confirmed with Barclays via Secure Message that I met the minimum spend requirement on XX/XX/2022. They stated that " the bonus will be reflected on the billing statement after you have qualified to earn the bonus. '' My statement closed on XX/XX/2022 and my bonus points were not there. I followed up again with Barclays via Secure Message on XX/XX/2022 and they said " the XXXX bonus points will be earned 6-8 weeks after XX/XX/2022. '' I called Barclays customer service on XX/XX/2022 and spoke with a supervisor and they said they have done everything they can on their end and now it is Wyndham 's responsibility to add the points. I called Wyndham Rewards today and they are saying it is Barclays responsibility.
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harvard Collections, LLC (NJ)

Continually harassing and reported on my credit report a debt that i didnt owe and its not mine. It is a medical expenses and showing on my credit report violating the HIPAA privacy act. I would like to take legal action on this incorrect reporting and would like to follow up with the collection agency legally.
Consumer complaint received 2022-11-15
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. (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 XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2022-10-17
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. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX : Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

XXXX. XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX  XXXX XXXXy ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-05-17
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. (IL)

In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX have 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 2021-10-03
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. (FL)

my name is XXXX XXXX today date is XX/XX/XXXX My Equifax Confirmation number : XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the Equifax data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX  sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed : XXXX XXXX {$390.00} Account number XXXX Account type Cell Phone and XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (GA)

A Care Credit account was opened in my name for XXXX XXXX  which was refunded. The care credit account was closed and zeroed out. Now they are trying to collect {$800.00} dollars in interest on a refunded closed account.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I called about some things that appear wrong. Some addresse 's I 've never lived? I was told it 's been to long & could n't dispute the items. Some things that also popped out questions regarding loans for a mortgage & I was asked what bank I used my answer was incorrect because I do not own a home! Telephone # s I do not recognize either. Family members I 'm asked to verify in which I did & none were mine! I was told my request could n't be processed due to security reasons! I can not get back into my reports now.
Consumer complaint received 2022-10-17
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. (AZ)

My problem is Equifax, XXXX XXXX. They are putting a name on my credit report that's not mine. My name is XXXX XXXX, not XXXX XXXX. They're saying that XXXX XXXX is accurate. That's not my name. I sent them my Driver 's license with my name on it. That's identifying me. But they're refusing to correct it. I want it to be Immediately removed and corrected on my credit report. I want my true name on my report and no other name that's not mine. I also want to be compensated for this dispute. Because I'm trying to get a mortgage and it's causing me problems to do so. I want to be compensated {$1000.00} for there disregard of my credit report and my name.
Consumer complaint received 2022-05-16
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: JPMORGAN CHASE & CO. (CO)

I tried to make a dispute on an transaction on XXXX with Chase due to poor service. I called merchant first and they refused to refund the money. Then I called Chase for disputing. But they refuse to dispute this transaction and said i dont have the right to make dispute due to poor service, which is not right. The Fair Credit Billing Act protect consumers right to dispute bad service.
Consumer complaint received 2022-01-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Braviant Holdings, LLC (TN)

Have received mail for someone who does not live here for over 4 years. Repeated requests to remove her from my address. Chic from XXXX XXXX refuses to remove her until I give my SSN and birthdate. I have refused. What can I do to get them to stop sending this?
Consumer complaint received 2022-02-01
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. (TX)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-05-16
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: BARCLAYS BANK DELAWARE (WA)

On XX/XX/XXXX I purchased 2 concert tickets for an XXXX XXXX concert in XXXX, Washington that was supposed to take place on XX/XX/XXXX. The charge of {$380.00} was posted to my XXXX XXXX on XXXX XXXX, XXXX. The tickets I purchased were supposed to be electronically transferred from XXXX ( the online website, a 3rd party ticket resale organization supposedly that I purchased them from using my XXXX XXXX ) to my XXXX app on my phone or XXXX. And there is the problem. The 2 tickets have not shown up in my XXXX app. As the date to the concert came near, within a week, I made numerous attempts to contact XXXX  by phone but was put on a never ending hold to the point I would hang up. I then started reaching out to them be online chat and got through. Each time they said they have sent me the web link that I was to click on and that would start the transfer of the concert tickets to my XXXX app. Every time I did this an error message comes up on my tm app that says, oops, something went wrong. I finally got in contact with XXXX, and they repeatedly have told me that no tickets have been transferred to my account or app. One time they told me XXXX had cancelled the transfer. I have filed 2 complaints with XXXX. In my 2nd complaint after losing the 1st complaint, I mailed 10 pages of copies of emails and online chats with the 2 companies, showing I have never received the concert tickets. I strongly believe I should not have to pay for something I did not receive. Bank case Id is XXXX. My transaction number with XXXX is XXXX.
Consumer complaint received 2022-05-16
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: FORD MOTOR CREDIT CO. (TX)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (IN)

Received an alert on XXXX about a late payment. Called XXXX and was told that an account was opened on XX/XX/2022 to Montgomery Ward. 60 days late payment ; {$290.00} due. XXXX gave me a phone number for this company ( XXXX ).
Consumer complaint received 2022-10-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX of inquiry : XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX  Date of XXXX : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY ()

XXXX de XXXX, XX/XX/2022 To : XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Case Number XXXX Account number ending XXXX Dear XXXX XXXX After receiving your communication dated XX/XX/2022, I followed all the instructions you indicated to place a claim for the telephone numbers mentioned in the letter. Calling the phone number first validated my identity through my credit card, debit card, XXXX, and checking account numbers. After this step they asked me what assistance I required and I asked them to take a claim for theft of funds from my account by an unauthorized person, the answer was YOU MUST APPEAR PERSONALLY TO AN AGENCY TO MAKE THIS REQUEST, I repeated the call on several successive days and the answer was always the same. 

As I have told you in previous letters, I am not a resident in the XXXX, I am in XXXX XXXX and I am waitingfor the date that the American consulate gave me to attend to my visa application to enter the XXXX. This will take at least 12 months, in the meantime my account will not receive funds and could become inactive, so I require that I guarantee that my claim will not be dismissed due to this condition. 

I am very afraid of placing money in my accounts since I do not trust Wells Fargo since it failed in its duty to ensure the security of the products contracted by me and allowed unauthorized persons to fraudulently steal my funds, violating all protocols of identity required, without neglecting that said theft was after I had communicated by telephone that my email and telephone number had been changed access to internet banking without my authorization and in that call I expressly asked that the handling of funds not be allowed until the situation was clarified. 

It is unnecessary to tell you all the problems that this situation has caused me in my survival since not having those funds available I can not cover food and housing expenses, placing myself in a vulnerable situation in XXXX. 

I request your assistance in sending me an account statement for the month of XX/XX/2022 that reflects all the movements of my checking account and savings account in order to assess the scope of what was stolen due to Wells Fargo XXXX # XXXX ; XXXX negligence in ensuring the security of my savings. 

After all that experience, I only learned that Wells Fargo, of whom I have been a client for more than 10 years, does not support the legitimate owner of the account in their claims and, on the contrary, is very splendid in allowing unauthorized persons to commit fraud to the detriment of its clients.. 

sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX