davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NY)

According to the New York State General Business Law Section 380-j " ( f ) ( 1 ) Except as authorized under paragraph XXXX of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information. 
( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than XXXX years ; ( ii ) judgements which, from date of entry, antedate the report by more than XXXX years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a XXXX year period from such entry date, shall be removed from the report XXXX years after such entry date ; ( iii ) paid tax liens which, from date of payment, antedate the report by more than XXXX years or, a paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee in a bulk sale transaction who has been deemed liable by the state tax commission for sales taxes due from a seller, transferrer or assignor under subdivision ( c ) of section eleven hundred XXXX of the tax law, where the receipt by a credit reporting agency from such purchaser, transferee or assignee of a notice, or true copy thereof, from the state tax commission to such purchaser, transferee or assignee that his liability has been wholly paid or satisfied or no longer exists, antedates the report by more than XXXX days ; ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than XXXX years ; " I called Experian and mentioned that I have a charge off that was sent to collection and since I paid the collection and it 's past the XXXX year of NY SOL to exclude it from my credit report. They was able to remove my collection account but refuses to remove the charge off that was tied to the collection account. This is a violation of the NYS Statue. I explain that this is blatant inconsistency in their application of the NYS statue, which groups both collections and charge-offs under the same exclusion provision. This is improper of handling by the CRA.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CO)

In my credit report, it's showing a negative report in Experian for XXXX, and it's appearing under my credit report, a company kept on calling me years ago about a collection against my son XXXX XXXX, stating it'll go to collection and I would be responsible for his debt, once I call stating that I was his father, but I didn't owed anything to anyone as a matter of fact, they ask me to identify myself by giving them my SS number, I was like why, why would you ask me this, she was just to ensure you're not XXXX, and now his debt is appearing under my credit report, I believe this collections company should be taking out of business and be removed from my credit report, if you can help me, please contact me at my email : XXXX. 

Thank you.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Andrews & Cox, P.C. (GA)

I am a victim of identity theft and someone used my personal information to obtain this fraudulent account in my name. I did not benefit from any goods or services of this account. I received some papers a few weeks being sued by XXXX XXXX. I have never had any type of loan with this company. I am requesting for all legal actions and collections to stop immediately. I have attached a copy of my XXXX  Report and police report to this correspondence.
Consumer complaint received 2022-07-20
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. (CA)

How many times do I have to tell the Experian Credit Bureaus that they are reporting a different information compared from the other Credit Bureaus. The references for the late payments of this account is erroneous and is leading to a negative impacts on my Credit Report. This account is only reporting as late on Experian and had corrected from the other Bureaus. The Experian credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. By submitting this complaint, I am reminding the Experian Credit Bureau they are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that Experian would take their time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 
1. XXXX XXXX XXXX XXXX Balance {$1700.00} Date opened XX/XX/2014 2014
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX XXXX**** Balance Owed : {$8.00} ; XXXX  XXXX Balance Owed : {$160.00}
Consumer complaint received 2016-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (CO)

My student loans were " bought '' and have been serviced for several years by ACS. I have had some concerns dating back several years about the way in which large lump sum payments were applied to the account. I participated in XXXX and applied those funds to my student loan, but was told by ACS that this would not reduce the principle balance but would just apply to future payments. I do n't really trust the accounting and have made several requests for a detailed statement from the time they began servicing the loan, so I can audit the account. Despite several requests I have yet to receive a statement, and can see that others have similar complaints. They sent me a statement on an incorrect account that was not detailed and have told me more than once that they mailed a statement but I have not received anything. To summarize, I want to audit this account and have requested a detailed statement that will allow a detailed financial audit and this has not been received.
Consumer complaint received 2022-07-20
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. (TX)

Im sending this Complaint to inform you that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX/XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX  XXXX Balance Owed : {$10000.00} ; XXXX/RESIDENT  DATA  XX/XX/2021 ; RESIDENT VERIFY XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I wish to follow up addressing a matter of great concern regarding fraudulent activity that has affected me. This message is a follow-up to request the elimination of specific entries from my credit file, attributed to alleged fraudulent activities. As mandated by FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expedite the removal of such entries no more than four business days following the submission of the previous complaint on XX/XX/XXXX. I have previously communicated this issue through a formal complaint, and I restate my concern here, accompanying it with my updated FTC Report # XXXX. I must underscore that the details of the disputed entries are entirely unfamiliar to me and have been removed by other credit bureaus, leading me to question their validity. Here are the items for removal listed per bureau : 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 XXXXEQUIFAX 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. I am compelled to inform you that failure to act on this request will necessitate legal action. My legal representatives are fully briefed and ready to enforce accountability for any deliberate negligence. This notice serves as your final admonition. I urgently request the removal of the inquiries associated with the alleged fraudulent activity.
Consumer complaint received 2020-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AK)

Wells Fargo is structuring the deposits into and payments out of my checking account in a way that causes overdraft fees unfairly. I understand that this is not illegal but it is immoral and a I would like to officially file a complaint.
Consumer complaint received 2016-04-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Io, Inc. (VA)

I received your partial response through CFPB stating that you will request that I be forwarded a copy of my signed guarantor agreement with XXXX. Referencing this agreement does not justify your agency sending a collection letter that is ambiguous. The fees that are included in the debt may be authorized by that agreement, but all collection letters need to clearly state information about the debt 's character and amount. Your letters do not. 

First, the collection letters indicate, " Other '' but neglects to report exactly what this means. In addition to this, collection letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX indicate, " Other {$40.00}, '' while collection letter dated XXXX/XXXX/XXXX indicates, " Other {$39.00}. '' As a collection agency, you are expected to include in the letter information about what, the " Other '' charges are and how they were determined. 

Second, the collection letters indicate that the debt includes an interest, but neglects to report the amount, frequency, and cycle. Collection letter dated XXXX/XXXX/XXXX indicates, " Interest {$0.00}, '' letter dated XXXX/XXXX/XXXX indicates, " Interest {$7.00}, '' and letter dated XXXX/XXXX/XXXX indicates, " Interest {$15.00}. '' None of the collection letters clearly report the amount of the interest rate nor frequency of which the interest accrues. This omission creates confusion and is misleading, because if a payment is sent in the amount noted as " Total Due, '' but is sent outside of the interest cycle, the debt will not be resolved, because additional interest will be further calculated. As a collection agency, you are expected to disclose in the letter information about how the debt is affected by a specific interest rate accrual. 

Third, XXXX XXXX confirmed that my payment of {$150.00} for the original debt of {$150.00} was received on XXXX/XXXX/XXXX, yet this was not acknowledged on your part until I received collection letter dated XXXX/XXXX/XXXX. This seems to be a deliberate delay in confirming receipt of my payment, in order to continue billing interest. 

I contacted your agency via phone on XXXX/XXXX/XXXX and informed the representative that I made payment to XXXX in XXXX XXXX and that I just received a collection letter requesting additional money. I also informed them that I do not pay bills with mysterious charges and that I will not make payment to your agency, because the justification for that amount was not included in the letter. The fact that I am dealing with you, does not justify your attempt to mislead me. The Fair Debt Collection Practices Act expects that collection letters accurately represent the amount and character of the debt. Your collection letters fail to uphold this. You can not exclude this information and suggest that I read an agreement with the original creditor for clarification or simply call your agency to talk about it!
Consumer complaint received 2024-04-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I opened a Macy 's credit card on XX/XX/XXXX. I never had any late payments for this card. In XX/XX/XXXX, Macy 's suddenly contacted me and told me that I had a late payment of {$340.00}, which was past due 180 days. I was very surprised because I did not use this card for a while. I told Macy 's that this was a fraud and it looked like someone might have stolen the info on my card and made the purchases. I asked Macy 's to provide details of my bills and the transactions for this charge ( payment of {$340.00} ). Per my request, Macy 's closed the account of my credit card. They sent me a bill statement without any details. The statement had only a total charge of {$340.00} without any details. It didn't include any details of any transactions for this payment. I kept asking Macy 's so many times to send me the details of the statement and the transactions. They never send me any details of the billing statement and transactions for this payment/charge. Macy 's kept calling me to make this payment without providing me with any details of the billing statement or transactions. Recently, I checked my credit report and I saw this charge is still on my credit report. I disputed this charge/payment with XXXX. A little over two weeks ago, I received a letter from Macy 's that my dispute was rejected without providing me any details for this. I called Macy 's immediately and they asked me to make the payment for this. I requested them to send me a billing statement and details of transactions for this again. They told me that they would send it to me. As of today, XX/XX/XXXX ( a little over two weeks ago when I requested the statement ), Macy 's still has not sent me any statement. Today, I called them and asked them why they didn't send me the statement and details of the transactions. Macy 's told me that they couldn't provide me with details of the transactions and billing statements. Then, I asked them to remove this charge from my credit report. They refused to do it and they told me that they are willing to accept the payment if I plan to make the payment. It looks like that they will remove this charge from my credit report after I make the payment. I told them that I am willing to make the payment if they can send me details of the billing statements and transactions for this charge. They refused to do that.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00}
Consumer complaint received 2016-03-08
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (OR)

Constant calls from number entered on form and ( XXXX ) XXXX. These numbers call on average 4 times a day, sometimes within an hour of each other. Any message left is usually dead air, but usually no messages left until about a month of calling, usually within a week of a loan payment issue. This has been going on since the loan was starting to be payed ( approximately 2008 ). They were also told numerous times to not call my cell number, especially without leaving a message. The same type of call patterns are done on my house, cell, and spouses cell. At one point in time the loan payments were in properly distributed. That happened for approximately a year before anyone caught this ( information from company ). I had heard that the company was and the school were sued for improper loan practices, but anytime information is asked for they skirt the issue and ignore it as if I was an XXXX. As I have been working in public service since before the loan was required to begin payment, I have asked on information on loan forgiveness for public servants, with no reply to the question or no reference information. I belive some of the resolution to payments have possibly caused me to give up the chance at loan forgiveness. If they have, I was never told this was going to happen.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

i contacted my citi home depot credit card on or about XX/XX/2018 to tell them my bill i mailed them never got there so i had to cancel the check since it was stolen out of the collection box in front of the post office along with my vehicle registration to the DMV. I informed them i would make my minimum monthly payment at the Home Depot store either in XXXX, CA. or another one. and the next day i did!! yet on XX/XX/2018 I got 3 phone calls from them XXXX on Sunday XX/XX/2018 at XXXX XXXX XXXX, and XXXX. then the next morning, Monday XX/XX/XXXX they had the nerve to call me at XXXX XXXX in the morning, i answered this call and asked them why they were harassing me for {$58.00} after i called them two weeks ago and told them i had mail stolen. the rude jerk said we are required to contact you ... .er i mean we are authorized to call you when you account is delinquent. i asked him how longs my account been delinquent for? he said your 3 weeks late were allowed to call you after 3 weeks, or some XXXX like this. I asked him how am i late when i made a paymen on or about XX/XX/2018? and how many times have i been late in the past 15 years ive owned this credit card, he said he didn't have this information in front of him, but my XXXX bill is past due. so I asked him " Then why the XXXX are you calling my house 3 times yesterday, and then asked him why the XXXX hes calling me at XXXX in the morning when i just made a payment? he didn't have an answer, and started to make more excuses, so i interrupted him and asked him how much credit i was in debt for since i just called them a few weeks ago?? he said your account has an outstanding balance so were authorized to call you. I asked him so i owe you {$800.00} and you harrass me after 3 XXXX weeks after 15 years of NEVER being late, and calling you and making a payment? then i just hung up.