davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (DC)

I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2017-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MI)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NM)

XXXX XXXX, I called Wells Fargo Auto to find out why they have added late fees for the past three months even though they and my bank show my payments were made a week before the due date. She kept calling out months saying my payment was late and I'd give here the date it was processed through my back. Each payment was processed by my bank before the due date. When she couldn't justify the late fees, she said my concerns would have to be sent to another department. 
I requested the late fees be taken off again and was told they needed to send my account and concern to another department. When I said I was going to move my load to my bank and need a 30 day pay off. She would only give me a one-day payoff amount until I kept asking several times and finally got it. The person I was speaking with would not listen to anything I was telling her, refused to give information, argued with me until I proved her wrong repeatedly, was very unpleasant but I still wished her a nice day and a happy XXXX XXXX. 
Wells Fargo did this same type of illegal activity to me many years ago. When they bought my auto loan, I hoped over the decade they had cleaned up their banking schemes. Obviously, they haven't. Their practice of arbitrarily assigning fees is making them a lot of money they haven't earned and costing their customers their hard earned income. 
Please let me know what can be done to stop Wells Fargo and other banking institutions from continuing this practice. 

Thank you for reading my complaint and I hope to hear what I do as next steps. 

XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WI)

My Discover card was on Auto-pay when I left for vacation in early XXXX. My bill due XXXX was {$1200.00} and I had {$1800.00} in payments due to a refund and my weekly payments. Auto pay in full was added to start on my XX/XX/XXXX bill. my Vacation over seas was XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX my bill was paid in full. AFTER my bill was paid in full XXXX {$65.00} was paid from my small weekly payments ( I should have a {$65.00} credit at that point ) XX/XX/XXXXXXXX XXXX XXXX XXXX  charged for a touch up kit that should be under warantee ( disputed ) Starting XX/XX/XXXX many charges under {$20.00} appeared on my card. The last charge I authorized on my card was XX/XX/XXXX. All charges after that are fraud. My XXXX bill showed a credit and my XXXX bill shows a {$33.00} balance due ( about {$85.00} difference ) since then my Discover card app shows another {$10.00} charge. I've spent hours getting passed between departments with Discover. A senior sales rep stayed on the phone XX/XX/XXXX for over an hour and saw how each department sent me to another department. Her manager was supposed to call me today ( no call ). I asked for her direct line. No direct line. She was XXXX in XXXX  ( That's all they will share ) I still show I owe for charges in XXXX  on my recent bill ( I'm in XXXX  but fraud was in XXXX  ). Please help me get this straight and close my account with Discover! THANK YOU.
Consumer complaint received 2022-09-30
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. (FL)

I am writing to request an investigation of the following information that appears on my Equifax, XXXX and XXXX XXXX report : Dispute 1 Account NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dates associated with item being disputed : XX/XX/2017 Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX Explanation of Inaccuracy : This item XXXX XXXX XXXX XXXX is inaccurate because the balance is incorrect. It was brought to the attention of both the original creditor and collection agency on numerous occasions. They seldom respond to requests to investigate. They have failed to provide evidence of the original contract. This is a clear violation of consumer rights outlined in FDCPA. 

Enclosures Copy of credit report E-mail correspondence from XXXX XXXX acknowledging the incorrect balance 4 different final statements from XXXX XXXX XXXX of cancellation of pre-move out inspections to confirm accurate bill Evidence of no response to inquiries made to XXXX ( the collection agency )
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

I filed for bankruptcy in 2020 because of my vehicle only which my attorney and the court was aware. XXXX  stopped reporting my loan details to the credit reporting agencies and claims my mortgage was part of the bankruptcy which it was not. I tried to resolve the issue with the lender and credit agencies. The lender replied to all agencies and keeps telling them the information theyve been reporting is accurate even though its not since the loan is active and current.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MA)

i have disputed this account numerous times and the consumer are not showing how they verified the information and it is inaccurate : under the FCRA they have violated multiple laws Accounts : XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX 1.15 U.S. Code 6802 ( B ) Opt out a financial institution may not disclose non public personal information to a nonaffiliated third party unless ( a ) such financial institution clearly an conspicuously discloses to the consumer, in writing or electronic form ( which they did not ) 2.15 U.S. Code 1692e False or misleading representations 3. 15 U.S. Code Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor such consumer is participating in the collection or in an attempt to collect the debt 4.15 U.S. Code Civil liability the picture below shows in accurate balance on my credit report auto now financial has been removed from Equifax and XXXX it needs too be removed from XXXX as well
Consumer complaint received 2023-01-31
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-19
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. (NV)

To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXX XXXX # XXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX The following accnt is Fraudulent I'm a victim of identity theft, my information has been found on dark web and Equifax data breach. I have no knowledge of this account I demand immediate removal as the law prohibits false information from being on my credit report according to my consumer rights that has been violates 15 USC SECTION 1681, violation unfair deceptive practices, violation of ftc. I will sue {$1000.00} per violation if this is not removed immediately. 

There is also a letter attached regards to Delete Utilization as well as that is illegal to report law states it should be 5 % or lower or delete all utilization
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (VA)

I have been receiving robocalls from Harris and Harris Ltd ( based in XXXX ) for months that I had assumed were a scam. They began calling my work number as soon as I started working ( around XX/XX/XXXX ). Last week on XX/XX/XXXX I finally called them to ask them who they believe they are contacting and they told me someone named XXXX. I am not XXXX. I told them that I am not XXXX. The man I spoke with agreed to take my number off of XXXX 's account. Today, XX/XX/XXXX, I received another call.
Consumer complaint received 2022-06-09
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: JPMORGAN CHASE & CO. (OH)

I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not yet received any investigation results.
Consumer complaint received 2022-09-30
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: CL Holdings LLC (LA)

Address XXXX XXXX XXXX is on my credit report and i never lived there ever. I may be dealing with fraud because accounts was open with these companies i know nothing about. List of companies or Jefferson Capital systems, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, 3 with XXXX XXXX XXXX and XXXX XXXX XXXX. I have'nt open any acounts in XXXX or XXXX.
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Commencing on XX/XX/XXXX XXXX  I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ) which involved me making deposits for a total amount of {$35000.00} from my Wells Fargo Bank account to another Wells Fargo account at the instructions of the scammers. 

Under what is now made clear to be false pretenses, the scammers deceived myself and others to send this amount of money in exchange for a " Done For You '' XXXX business. The services were never accomplished and the scammers behind XXXX XXXX [ XXXX XXXX and XXXX XXXX ] fled with the money to XXXX XXXX. 

I have reached out to Wells Fargo on numerous occasions, each time claiming they are not at fault. 

In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity. 

Please see the attached letter which provides much more detail. Thank you.
Consumer complaint received 2022-08-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I bought out my lease 4 to 5 years ago. I never received the paper work to transfer the title to my name from the leasing corporation after the lease was purchased. I keep calling the leasing company and requesting documentation but the documentation is never sent. It took my bank at least 6 months to get a lien release from them, and I've been trying to get a Board of Equalization letter from them for the last two months.
Consumer complaint received 2017-08-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VT)

My son attended XXXX XXXX 10 years ago, my parent student loan was for approximately {$18000.00}. At that time, ( obtaining the loan ) I just filed bankruptcy and was skeptical about proceeding but was assured there would always be additional options in the future to assist me with if I was to struggle with the payment. I was struggling and I phoned XXXX XXXX and Navient to see if about the additional assistance to help me with repayment of this loan was, they said my only option was forbearance or interest only, each time I called. needless to say 10 years later my loan principle is now {$23.00}, XXXX. I used forbearance a couple of times but when the forbearance was over the payment was too much and I was only able to do interest payments. I feel as though I was taken advantage of and was misinformed of my options. When I first obtained this loan I just filed bankruptcy and was unsure if I would be able to handle the additional burden but I was assured XXXX XXXX would always have my best interest in mind and will work with me if needed.
Consumer complaint received 2017-09-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (LA)

On XXXX XXXX I received a notice/ not an actual debt validation letter with proof like contract, signature stating that I owe XXXX to check into cash way back from XXXX XXXX. I have already contacted XXXX to dispute and delete this from my credit report they sent a notice/ bill no contract proven that I gotten this loan ...
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

I opened a US Bank credit card to make a specific purchase due to the great introductory offer they advertised ( 0 % interest until XX/XX/XXXX ). Now that I am ready to make the purchase, the card continually declines even though my available credit more than supports the charge. I have made multiple phone calls since XX/XX/XXXX to try to get the charge to go through with US Bank, spending almost 3 hours of my time at this point. I have been disconnected, transferred, given different phone numbers, and yet no one has been able to assist me in getting the charge to go through. At this point, it feels very much like predatory lending as I have fulfilled my obligations but US Bank has not fulfilled theirs. I would like assistance in remediating this issue in a timely manner.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber (CA)

The collection agency is trying to collect debt that I do not owe. I had and currently still have medical insurance for the dates of service. The medical facilities did not notify me of any kind of debt nor did they bill my insurance instead they sent me straight to collections without me knowing and now due to interest the account is tripled. The medical groups are wrongfully billing and affecting peoples credit.
Consumer complaint received 2017-04-26
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. (NY)

I decided to check my reports from all credit bureaus for accuracy. I have noticed that there is a credit inquiry on my Equifax report that I did not authorize and had no knowledge of. I contacted Equifax immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiry that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.      XXXX / XXXX  dated  XXXX / XXXX /  XXXX
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (GA)

Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.