davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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: CCF Intermediate Holdings LLC (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however XXXX XXXX XXXX has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AZ)

On XX/XX/2020 and XX/XX/2020, got calls from XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX saying that I qualified for federal student loan forgiveness. They said they were with " XXXX XXXX XXXX XXXX  '' and that I was eligible for federal loan forgiveness. They asked for general contact information, including date of birth, at which point I hung up thinking it was a scam.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

My checking account was opened in XX/XX/XXXX and I signed up sign card and agreement. I was given booklet and said XXXX to claim after delivered mo statement. I always got a paper statement and I do not do online at all except emails, I noticed suddenly monthly statements stopped in XXXX yrs ago or more. Every often I complained at the branch but nobody helped me. They told me to call customer service but I don't speak XXXX well and can't hear well. I request several times in XXXX and XXXX for not receiving monthly statments. They told me my account is both online and paper. It's very inconvenient and I have to close account without statements, Bank doesn't have any answer why I don't receive. 

XXXX
Consumer complaint received 2021-11-29
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: CNG FINANCIAL CORPORATION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2023-04-02
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: United Revenue Corporation (TX)

I sent " UNITED REVENUE CORP '' collection company a Debt Validation letter disputing this account under section 809 per the FCRA. They responded by sending me my personal medical information from an alleged bill. This information included my personal medical information which makes this is a HIPPA violation, and I intended to sue for every dime if this account isn't removed from my credit report ASAP! I have well documented all of my correspondence ; the letter I've sent to UNITED REVENUE CORP as well as a received response from UNITED REVENUE CORP, I have everything I need to prove in court without a reasonable doubt that my rights have under the FCRA have been violated.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing a to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also requested that my personal information ( Address and name ) be updated and have provided proof of such with my Driver 's License and bank statement with the credit reporting agencies. Experian has refused to do so. On XX/XX/, I called Experian and spoke to an agent named XXXX who refused to provide me with an XXXX ID for security reasons. XXXX claimed that I would have to call all of the creditors on my credit report that are reporting my name incorrectly to have it corrected, even creditors that I no longer have an account with in other words closed. This further proves that this credit reporting agency is intentionally reporting inaccurate information about myself even though I have provided proof multiple times when disputing. 

I will be uploading documents as proof of my dispute letters
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Unauthorized hard inquiries! 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (AL)

In XX/XX/, I settled my outstanding balance with XXXX XXXX. However, as of XX/XX/XXXX, it still appears as a collection item on my credit report. I reached out to XXXX XXXX and even initiated a dispute process. They confirmed that the account has been paid in full and should no longer be listed on my credit report. Additionally, I have received an email confirmation from XXXX XXXX regarding the resolution of this account.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/XXXX bank account was compromised and XXXX transaction made. Dispute made in person at my Regions Bank branch. Transaction posted XX/XX/XXXX. Letter received dated XX/XX/XXXX stating transaction did not post, but it DID post. Had to call, ( XX/XX/XXXX ) resubmit again, was told to wait up to 10 business days plus mail time. Called again XX/XX/XXXX, was told information was incorrect. Resubmitted AGAIN, no response. Called today XX/XX/XXXX, was told XXXX had closed dispute and had to deal with Regions to start over. Regions CSR could not assist and was transferred to XXXX side again where I was placed on hold after a short conversation and disconnected. The elapsed time was over 35 minutes and the phone prompts would not let me proceed because offices were now closed. I have now spoken to 7 people regarding this and have over 2 hours on the phone either holding or speaking to someone. The level of incompetence is staggering. Please advise.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (CT)

On or about XX/XX/2020. I opened an account with TD Bank. The account that was opened was a regular savings. I notice that I was getting charged {$15.00} a month for maintenance fee. The account, which I did not know, was a TD Beyond Savings account which required a monthly balance of {$250000.00} and what I had initially signed up for was the TD Simple Savings. On or about XX/XX/2020, I opened a checking account with a deposit of {$100.00}. I was given the account number and was waiting on a debit card so that I can transfer what was in the saving account and close it out. The next day the account was deleted. I called to find out what happened and they informed me that I had two accounts that were closed with a balance and that I should not have been able to open the savings. I asked for records of said accounts which I still do not have and they took my {$100.00}. I went into the bank today to ask for records and I was told that they could not give them to me. So I closed the account and they keep my {$100.00}. While in the bank today, they told me that there are three closed accounts.
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX  reported that date of last payment is XX/XX/2018 but XXXX  and XXXX  reported that is was XX/XX/2018 also XXXX  XXXX  and XXXX  all reported different last active dates. If this information is correct all information should be the same. I request that this should be deleted off my credit report
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I XXXX XXXX, a federally protected consumer have attached the notice that I have sent Wells Fargo credit bureau operations team and legal department on XX/XX/2022, and a 2nd notice on XX/XX/2022 - Certified Mail # : XXXX XXXX XXXX XXXX XXXX WITH NO THIRD PARTIES INVOLVED. Wells Fargo has received both notices and has failed to respond. This account is in dispute '' with the company '' and the company has furnished another updated inaccurate charge off account XX/XX/2022 while in dispute which is a direct violation. Please read attachments.
Consumer complaint received 2023-03-30
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: CREDIT ACCEPTANCE CORPORATION (NM)

Credit acceptance car loan company has reported my payment history incorrectly for over 2 years now. I have never missed a payment, my understanding was to have a one-time payment flipped over to the back of the loan that would have helped me from falling behind during COVID. That is not the case they have reported to all three credit bureaus saying that my payment history is XXXX payments missed with credit report reflecting XXXX XXXX XXXX XXXX plus days late they have completely destroyed my credit due to this false reporting of my payment history. They have not come to a resolution over these facts and continue to report the loan incorrectly also was in still not even a payment behind and with no contact no forewarning came and repossessed the vehicle where we had to come out of pocket almost {$900.00} to get it out that very same day. I have all the documentation showing this. I need this erased completely off of my credit report to be able to even continue with my life and any sort of positive fashion whatsoever.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Husband and I had our mortgage sold to 5/3 for servicing and every interaction since has been abysmal. From setting up an account, auto pay, and now monthly harassment for payments. A lady from 5/3rd called around the XXXX of XXXX and wasted 10+ minutes of my time asking detailed questions about my personal information and when to expect payments etc. I made it clear multiple times I was not happy with her call or questions and that auto pay had been set up to pay on the XXXX, well before the due date grace period of the XXXX. I was told she would make a note of this and shouldnt expect any future calls. XXXX, that wasnt the case as I was called again today ( XXXX ) with the same questions. I again made it clear I was not happy with the pervious call, did not appreciate the follow up call, and would not be answering her questions, that it should be noted our payment is to be auto paid on the XXXX and I was an unwilling customer of 5/3rd, I was forced to be a customer.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/21 I checked my credit report for the first time in a very long time and it was brought to my because my score was so low that accounts had been opened in my name without my consent. I reached out to each credit bureau and they told me that I would have to get a police report to get it removed. I had a police report filed and sent in but now they are stating that no account numbers are on the report. I have the report numbers.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

I have a TD bank card, I have numerous times paid with a new checking account and have asked them to change from the old bank account, of course they don't. I have tried to login on multiple times and looked to reset my username and password. It shows me a screen that asks me to call a number XXXX XXXX XXXX XXXX. When you enter your card number it hangs up on me after wasting 5 minutes of my life here on earth. TD bank and Target have the worst credit card system out the many cards I have used. I think both are not capable of handling credit cards systems ( just my personal thoughts ).
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BARCLAYS BANK DELAWARE (TX)

ISSUE= I filed a dispute to contest payment due to the following XXXX XXXX Dispute # XXXX. PH # XXXX dated XX/XX/2020. 
RECAP =I purchased tickets to the XXXX XXXX , the event was cancelled, not postponed or delayed, it was CANCELLED. I have emailed XXXX multiple times to secure a full refund and they will not issue my refund. 
1. See attached email beginning XX/XX/2020 contacting XXXX  with their response 4 times, over a month time frame. Still they have not processed my credit. 
2. See attached confirmation from the XXXX XXXX confirming the event was CANCELLED and they have refunded all monies due for this event. 
3. See attached XXXX  terms & conditions as If a customer purchased tickets to an event that is canceled by the event organizer with no rescheduled date, they may receive a full refund or store credit. XXXX XXXX will provide customers with the option of receiving XXXX XXXX store credit at 120 % of the original order total, instead of a full refund. 
4. See attached article from XXXX XXXX XX/XX/2020 confirming XXXX  stating they are refunding money owed to patrons. 

UPDATED XX/XX/2020 attached email from XXXX   confirming the credit card accepted a credit on my behave, I do not want a credit, I want a full refund per their terms and conditions. Barclays is supposed to protect me from merchants who do not follow thru with the written terms and conditions.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my XXXX loan accounts is a violation of my privacy which I did not authorize.
Consumer complaint received 2022-11-09
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. (AZ)

I am submitting this CFPB complaint today to request to the Credit Reporting Agencies to remove the inaccurate address that is still being reported on my Credit Report despite the numerous CFPB Complaints I have been submitting. I believe I am a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I am requesting that the Credit Bureaus remove the following address under the provisions of the FCRA section 605b : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/2013 XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2021-11-29
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. (MI)

Removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, all accounts of XXXX XXXX and all inquiries immediately. 

IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm administrator agent pursuant to 15 usc 1602o, I'm the administrative agent I'm not the owner the social security card belongs to the XXXX XXXX XXXXXXXX I have to give it back upon request, so therefore, I'm not the owner. 

I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt.

They never validated any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge.

15 USC 1681a ( e ) it stats you have to do personal interviews with neighbors, friends or anyone associated with the consumer which is myself '', they didn't do that!
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

Payment made to original Creditor XXXX XXXX  XXXX on XX/XX/2020. 
The collection agency, Lanier Collection, that has the account reporting on my XXXX  profile, is reporting the debt as paid. 
This account was not sold to Lanier, as XXXX XXXX   XXXX accepted and processed the payment. Lanier should not be reporting this account as a collection account if the original owner was paid. 
Receipt was provided to XXXX  but they only updated account as well.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IA)

This form https : //www.experian.comXXXX  to upload documents requesting a XXXX XXXX credit report does not work. It keeps complaining about file sizes being too large even though the files I have tried to upload are less than XXXX XXXXXXXX each and are a total of XXXX files. Each time the upload fails you have to start all over again and fill out the whole form! 

I think it is ridiculous that a company can be this horrible and still be in the business of credit reporting. The whole process is a scam! and the government should do something about it!
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed down all of my credit card accounts due to the reason of unusual authorized user activity. After some due diligence and follow up, I found out from a representative that a duplicate request for an already existing authorized user was submitted, triggering this unusual alert. However, this request was not submitted nor granted by me. According to the representative, this request was submitted internally by Bank of America without my request nor approval, by mistake. 

After finding this out, I figured this was just an internal system error and should be an easy fix where some details pertaining to my account would need to be verified then confirmed for everything to be good to go. Actually, I was told this would be the case by the representative, but he mentioned how he had to transfer me to a different department for this to be done. After the transfer to the other department was made, this second representative told me something completely different and how the account was closed and how it was unable to be re-opened. I explained what the previous, more humble, representative had informed me about and he dismissed my explanation as if it had absolutely no relevance. 

I asked to be transferred to his supervisor or manager because I could not tolerate the exhausting arrogance but, unfortunately, their department was closed for the day. I got the hours and called immediately the next following day and had a kind lady named XXXX confirm the initial, humble, representative 's explanation. She attempted to correct and revive or appeal my accounts ' status back to normal but mentioned how she kept running into a system error which was not allowing her to do so. She was kind enough to understand my frustration and advised I document everything to the Consumer Financial Protection Bureau just exactly as I told her, precisely how I wrote here, and mention how the closure of the account was done in a wrongful manner so that appropriate upper management action could correct the situation.