davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Dear XXXX, XXXX, and XXXX, I am writing to bring to your attention an important detail regarding the dispute process for accounts listed on my credit reports. Upon checking my credit reports on XX/XX/XXXX, I discovered discrepancies and immediately initiated the dispute process. 

It is crucial to note that XXXX XXXX XXXX reported the account in question just this month, in XX/XX/XXXX, following my initial dispute. This timeline is significant as it suggests a direct response to my actions in questioning the accuracy of the reported information. 

I want to emphasize that this sequence of events reinforces my concerns about the accuracy and legitimacy of the reported account. It suggests a reactive rather than proactive approach to reporting by XXXX XXXX XXXX, which raises doubts about the integrity of the reported information. 

I urge you to consider this timeline in your investigation and review of the disputed account. It further underscores the urgency and importance of resolving this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your thorough investigation and prompt resolution.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed my non-profit 501 ( c ) business checking and savings accounts without notice to me, and then withheld sending approximately {$8000.00} in deposits in these accounts needed for auto-payment contracts. Officials blamed the federal govt. for the closure, stating " The Patriot Act '' required business accounts to have residential addresses. I had a business office service provider address instead, BUT four other accounts with the same bank bearing my residential address. Any XXXX and competent customer service agent should have simply contacted me for the residential address, or simply noted the same on the other active accounts. That was not done, and instead the company simply closed the accounts and falsely claimed they were sending me two checks to pay my converted deposits. They lied. I spent two hours waiting to see an officer in my branch bank to no avail. They were " too busy '' to see me, and needed me to go online to " make an appointment. '' Several calls to the company were also fruitless and distressing. I was informed that I needed to wait about two weeks before I could even plead to have the company send out " replacement checks. '' My damaged company is a non-profit registered business that publishes consumer health and safety information, that has administered these two accounts for many years without any problems. This apparently scheme to freeze, convert, and withhold our money caused days of wasted time and inconvenience rearranging auto-payments to creditors.
Consumer complaint received 2022-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Was told that the we would be financing the car for XXXX but once we got paperwork the company is charging XXXX instead and the car has tons of problems. Was made to put down XXXX plus a trade in for a car with several issues and they cant even do deferred payments. Was told today that the due date depends on the agent and day.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

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

15 U.S.C 1681 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 the information is inaccurate. 

XXXX XXXX  - account # XXXX XXXX  XXXX XXXX  XXXX  - account # XXXX XXXX  - account # XXXX Has violated my rights.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

XXXX Notified via mail by Seqium Asset Solutions , LLC , of their attempt to collect debt owed from our XXXX XXXX XXXX XXXX XXXX XXXX My wife, who is the alleged debtor, and I tried to resolve via phone. No avail. 

XXXX Sent certfied letter stating we disputed the debit in full due to contacting XXXX XXXX XXXX prior to the alleged charges. XXXX XXXX XXXX verified at the time our service was cancelled with no debt owed. Asked for letter stating no debt owed and that it will not be reported to the credit reporting agencies within 10 days. 

XXXX Contacted Seqium Asset Solutions, LLC , via phone and informed it may take another 30 days for them to remove and they will send us documentation via e-mail and USPS . Not satisfied as this violates FDCPA. We would like any reward sent to us and removal of the debt and any negative credit reporting by XXXX XXXX XXXX and Seqium Asset Solutions, LLC.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (MN)

The unverified accounts indicated below continue to report on my credit report despiteseveral written requests, in violation of federal law. I dated the previous letter I sent toExperian XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX ....
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (TX)

XX/XX/XXXX 2022.Someone used my information to apply for a loan at Speedy cash which led to a hard inquiry on my report.I tried to contact the company ( Speedy Cash ) to tell them my information was used without my permission.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Velocity Portfolio Group (MD)

As of XX/XX/2016 a student loan was opened on my account which states I owe XXXX which says it owed to velocity investments , llc. In pursuant of a fair judgement regarding state statues the company and or credit bureaus are illegally posting accounts past Marylands statue of limitations. They are posting fake payments I never made and they have nothing with my signature bearing as evidence of any scheduled payments. For years this has left me in a position that hindered me from using my credit and seeking better financial opportunities. I deserve a fair chance to resume being in good standing with economic endeavors of credit in mind. Ive reached out to the creditors and the bureau agencies themselves. When confronted they stated it would be removed as per statue of limitation. When this was stated it would disappear and they would repost several months later
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (AL)

Hunter warfield put a collection mark on my credit. They never tried to contact me. They admitted to sending the initial contact letter to their own client not me. I was the one to reach out to them after I noticed the mark on my credit and have Contacted them numerous times since requesting a signed lease from XXXX XXXX XXXX ( the said property they say I owe ) I have already expressed to them that this debt is not valid and they have tried to get in touch with XXXX properties to get this information and they have not been able to get a-response from them. They have even closed my dispute with them and I had to get them to reopen it. I should not have to go through all this trouble to get a mark off my credit that they have fraudulently put on there. All they have sent me as proof of debt is some types bill from XXXXXXXX XXXX. I have never had an agreement with any of these companies and I do not owe any money to them. I have asked for Hunter warfield to remove this from my credit and all I get is a bunch of fast talk and over talking.
Consumer complaint received 2020-07-08
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-05-20
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. (AL)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc (NY)

I had an Affirm Savings account in XXXX, which was eventually closed after a period of inactivity. When I tried to get my 1099-INT form for XXXX, I was unable to access my account and pull my tax statement. 

I called Affirm 's customer service line on Wed, XXXX XXXX, XXXX at XXXX Eastern, and was informed that they could not provide me my tax form because my account was closed. I informed them that I need the form in order to properly file my taxes, but the account rep could only respond that they could not send me my information. 

I have not yet received a response from Affirm since that call, and am filing a complaint because I want my 1099-INT form for XXXX related to my Affirm Savings account.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act, Dept of EDXXXX  # 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  # xxxxxxxxxxx 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.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: B9, Inc. (CA)

Excessive fees are being charged sometimes in addition to the fee already being charged with the original transaction. In XXXX or XXXX  days I was charged over XXXX in external wallet fees when I already pay XXXX monthly for a " premium account ''. If paying to be a premium member doesn't at least cover these fees then XXXX XXXX XXXX XXXX XXXX XXXX 

The agreement states no fees will be charged for using a digital wallet. 

It also states that a fee will be charged when adding money to an external wallet yet they charge a fee for all transactions with XXXX XXXX XXXXXXXX and other merchants they have decided are external wallets buy not digital wallets even though digital wallets are all external wallets and are not charged fees to use Arent digital wallets still external wallets!? 

And the merchants they have decided to consider external.wallets not only " wallet '' money on ones behalf but they are also used for other transactions as well. They are used to send people money for personal reasons and to make purchases thru businesses.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

The California Business Bureau , Inc. contacted me on XXXX saying I owed {$15000.00} with interest for a debt. 

On XX/XX/year>, I submitted a request for proof of burden via their website as well as sent a certified letter by mail on XX/XX/year>, in which they received XX/XX/year>. To which they never responded. 

I than further received additional collections letters on XX/XX/XXXX and on XX/XX/XXXX but this time showing the debt was now {$15000.00}. Still no confirmation or information on proof that this debt was actually mine. Violating the terms of the terms of the Fair Debt Collection Practices Act by continuing to collect alleged debt with no proof of burden that was requested. 

Additionally myself and my spouse received two phones calls on XX/XX/year>, both in direct violation of the The Fair Debt Collection Practices Act, in which I have phone records that the collections agency did not identify themselves. 

On XX/XX/year> I sent a final communications letter to them notifying them that I would be filing a complaint for their unlawful behavior and to cease all further communications with me in the matter of collecting the alleged debt.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

Kia Finance is reporting 2 late payments on my credit file with the three main credit reporting bureaus. They claim I was 30 days late in XXXX of XXXX, and XXXX of XXXX. This is incorrect! My banking institution had an error with Kia Finance and THAT was the reason my XX/XX/XXXX payment was late -- it was resolved asap by me. In XXXX of XXXX, I had asked to have my payment deferred for the " KIA ACCELERATE THE GOOD '' COVID program and was told my payment would be deferred. I made some payments at this time through XXXX XXXX, and for some reason, KIA lost the payment! Finally they have found it, but are reporting me late. I have sent numerous documents to the Customer Service Dispute line, and talked to a representative in the Corporate Office, and tried to dispute with the credit reporting agencies... .my hands are tied because KIA refused to correct the information. I have since paid off my KIA lease in good faith, and turned my car in several XXXX miles under the allowed mileage in great condition. I am a long time KIA owner and I can not believe this misunderstanding is happening. Kia claims they will send me a payment history, but their information is wrong! These two late payments are marring my credit file. I have no recourse but to seek legal counsel.
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

ON XX/XX/XXXX I summited factual dispute to the three credit bureaus about inaccuracies with the following accounts and pointed out the violations on my credit report. 

XXXX XXXX # XXXX account is being reported as charge off from XX/XX/XXXX until XX/XX/XXXX. Reporting charge off even after account was paid and closed. 

XXXX # XXXX this account is reporting on my credit report beyond the statue of Limitations. 

XXXX XXXX  XXXX # XXXX this account is reporting on my credit report beyond the statue of Limitations.
Consumer complaint received 2020-05-20
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. (CA)

I checked my credit report today XX/XX/20 because I plan on refinancing my auto loan soon however, I saw several accounts on my report that I never opened. They are from several different companies that I am not affiliated with in any way. I don't know who opened these accounts in my name without my permission but I did not gain anything from them such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. I do not have any written/verbal contract with any of these companies and I did not give them permission to access my credit file. I have filed this report to the best of my knowledge.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I sent a wire transfer using my Wells Fargo checking account. I sent the wire using online banking. Under Fee, it showed {$0.00}. My account had never been charged for wire transfers before. I later saw a {$45.00} wire transfer fee on my account. I called Wells Fargo and the person asked me if I still worked for the company and I said I didn't as of XX/XX/22. He said that he sees my account under a team member account and that it shows no fees for wires. He then said he thinks because I'm no longer a team member that's why a fee was assessed. I explained that I didn't receive any notification about account changes and that at the time of the wire it showed {$0.00}. I explained that I didn't consent or was notified about a fee and asked for the fee to be waived. He put me on hold and came back with a next level of support. The supervisor said he wasn't sure why the call was transferred to him since I was already informed that the fee was charged because I'm no longer a team member. I explained to him that I didn't ask for a transfer but simply asked for my fee to be reversed since I didn't consent to it and was not informed prior to sending the wire. He then asked me to contact the company 's Human resources for employees. I explained to him that I'm not calling as an employee but as a consumer and there was no reason I would need to contact HR. He said he couldn't help me with the fee reversal. I asked to speak to someone higher and he said that he was as high as I would get. He then said he can file a complaint for me but gave me a hard time when I simply asked for a complaint number and nothing more. I was treated differently simply because I was a former employee and was not treated as a consumer. I was also charged without my consent. I attached a copy of my wire receipt that shows that my fee would be {$0.00} for the wire.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX Synchrony pay pal responded stating You agreed and consented to the terms and conditions of the account via electronic method ; therefore, no physical copy of the application is available. 15 U.S.C. 1692 g required validation of a debt by the original creditor with signature from the consumer agreed to the terms and conditions and payment. A Bills doesnt validated a debt and acknowledged of having the wrong address show inaccurate reporting and third XXXX XXXX have no suffix on mine name another inaccurate reporting to the credit bureau . Originally Creditor by laws must validate a debt to continue to report it is illegal and violates FRCA.
Consumer complaint received 2022-06-17
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. (WA)

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 a account without my written instructions
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accordance with the fair credit reporting act XXXX account # 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 AACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation (KY)

XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.