davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 at XXXX XXXX time my maternal cousin received a phone call from XXXX XXXX XXXX claiming that I owe so much money on a checking account from Wells Fargo and if this matter isnt resolved they are going to take legal action. I called the number they left. It rang once then music started and then a man picked up. In the conversation I had he accused me of theft of stealing goods or services. I asked him for the name of the company he represents then I looked it up using XXXX and every thing that came up under that company was linked to extortion scam. When I brought this up to him, he immediately hung up.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (FL)

I disputed an account on my XXXX  credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. XXXX  said the account was verified so the account remained the same. I was comparing my XXXX and XXXX  report on my XXXX XXXX   account and i notice that XXXX is showing that this account was Charged Off but XXXX  has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with XXXX  on line but XXXX   wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking XXXX  to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I was impacted by XXXX, XXXX, and XXXX XXXX. I was also in a XXXX XXXX I was told I could skip a few months of payments by the redemption department. XX/XX/2019 needs updated as it wasnt missed. I was also military XXXX XXXX. I gave them a plethora of information. The phone team read the disclaimers and advised the XX/XX/2019 payment would be skipped as it was not due, but because of their redemptions teams error it is showing I missed a payment still. Please update this on all credit agencies. XXXX, XXXX, and XXXX. Please also provide me a letter in writing to both email and conventional mail once corrected I can have for my records. I can not speak on the phone due to a XXXX currently. Please fix this error asap. I should have no missed payments showing from your company.
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc. (CT)

On XX/XX/22 a retail loan was opened with Kickoff lending LLC in my name with a balance of {$24.00}, I never applied or opened an account. with the above company nor have I ever heard of them I tried calling the company to inform them of this problem however there is no customer service or a prompt to speak to someone.
Consumer complaint received 2022-08-14
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. (TX)

FCRA state that all information on credit report must be accurate, I was looking over my credit report & found three fraudulent derogatory marked accounts, this have left me in a state of XXXX! XXXX XXXX XXXX was the original creditor this debt was sold which is illegal & now these fraudulent accounts are on my name, I wish to have these accounts removed from my account at your earliest convenience!! 

XXXX XXXX XXXX XX/XX/2019 Open Balance : {$1200.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00}
Consumer complaint received 2022-08-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

I contacted Dept of Education/NELNET several times, about making payment. My loans where to be in a deferment due to the pandemic. I was advise that they would not defer my student loans, and now all 4 loans reported late to all 3 credit agencies showing past due for XXXX XXXX
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

My husband passed away unexpectedly XX/XX/21. He was a XXXX veteran who was receiving his pension, XXXX, etc, direct deposit in his Chase bank account. I am listed as a beneficiary, and Chase has already confirmed that. Ive given death certificates, letters, etc, and its verified that XXXX account is now mine. A few weeks ago, I went to withdraw money, and when denied I immediately called Chase. I was told they put the entire account on hold in anticipation of a possible overpayment by Social security, and froze the account until the bank could verify the deposit wont be taken back!! When I confronted the bank they finally agreed to release the amount minus the possible overpayment, and the hold should be lifted soon. I cant pay bills! Go see the doctor! Pay rent! Pay for a funeral! They are currently holding more than {$5000.00}, even though one deposit was under {$2000.00}!? I need help! 
My husband fought for his country, and worked for decades for that money, and Chase has NO right to withhold funds for several weeks!
Consumer complaint received 2018-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo & Company continues to send me letters despite the fact that I have told them to stop contacting me on over 5 separate occasions. Wells Fargo & Company continues to harass me with letters, phone calls, and aggressive collection tactics. In fact, Wells Fargo & Company also submitted false information to my credit reports, including but not limited to, submitting false address information of myself, as a retaliation method so that it would be difficult if not impossible for me to open an account at another financial institutions because my true address would not pass XXXX/XXXX  checks the other financial institution would conduct by comparing the address I provided with the false address Wells Fargo & Company submitted to my credit report.
Consumer complaint received 2018-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (OR)

Please consider this my formal complaint against Sears/CBNA who has repeatedly ignored my dispute letters requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, on a derogatory account which is appearing on my consumer credit reports.

I have sent certified/return receipt dispute letters ( please see attached letters ) to XXXX XXXX XXXX requesting validation of the debt bearing my signature. These dispute letters were received by them on XX/XX/2018 and XX/XX/XXXX ( please see attached signatures ) The 1st letter went unanswered. The 2nd letter was them requesting the acct #, a copy of my credit report, & a letter of explanation. Clearly a stall tactic as I was very clear on what I was requesting from them.

Additionally, I noticed Sears/CBNA did not furnish the credit bureaus with the required disclosure of my dispute violating the FCRA Section 623 ( a ) ( 3 ) and/or the FDCPA Section 807 ( 8 ) by not placing the disclosure within the 30-day period ( please see attached credit reports ). I sent another certified/return receipt letter stating this and demanding they delete the derogatory report due to breaking these laws. They signed for this one on XX/XX/2018. They sent exactly the same response as described above. They have not deleted the account or marked it disputed.
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-26
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, 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 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 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-12-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ZIONS BANCORPORATION (TX)

XXXX XXXX is running classic bait and switch tactics. It lured me into the bank with a promise of a low interest rate personal line of credit, specifically prime plus 0.5 % if the line opened was at least $ 100k. In summary, even after receiving all my financial information, including a detailed financial statement, XXXX reinforced that I would easily qualify. However, less than 24 hours after my intention to apply, XXXX then stated it has an established condition of having twice the amount of the line of credit in liquid assets. Now, XXXX already knew I didn't have that based on my financial statement that I reviewed with representatives in person. My XXXX representative, XXXX XXXX, is either incompetent in that he didn't know this requirement or more likely he hoped that he could lure me into applying and then hit me with a higher rate based on a lower credit line. 

I raised this concern to XXXX who could care less. Based on this reaction, I decided to file this complaint as I believe this is a common bait and switch practice that XXXX is conducting with all of its customers. Even more concerning is that XXXX believes it can make these representations to lure in customers and say anything without reprucusions. It is truly concerning!
Consumer complaint received 2022-08-14
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. (TX)

My wallet and all personal information was stolen in 2018. On my first time obtaing a credit monitoring app recently, i have seen numerous inquries/accounts and collections on my credit report that i did not put on there. my identity was stolen.
Consumer complaint received 2022-09-22
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. (IL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




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 XXXXXX/XX/XXXX
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACCESS GROUP INC. (AZ)

Two Issues : ( 1 ) InXX/XX/XXXXI had to take out a private loan from Access Group for {$29000.00} due to an erroneous collection disqualifying me for federal loans. After the collection was removed a year later I was able to get federal loans to finish my education. In XX/XX/XXXX I found myself in a financial hardship and was unable to pay. The feds were willing to work with me but not Access Group. I defaulted on the loan, but I do not know for how much, who legitimately owns the loan or any verification. Attached are documents showing that the loan amount is different between collection agencies and the credit reports, and there are multiple collection agencies. One document on my credit report shows that it was discharged in my bankruptcy in XX/XX/XXXX.

( 2 ) When recently checking my credit I perused each account and noticed that Access Group is reporting on XXXX XXXX  several accounts as open with balances reflecting more than the original amount, but that " payment deferred. '' The sum of these accounts is roughly {$90000.00}. Checking all my federal loans through the NSLDS ( attached ) I was able to see the loans that Access Group is reporting. These are federal ( FFEL Plus Graduate ) loans, not private with Access Group. They are also paid with a XXXX   balance as all were consolidated into a Direct loan. So, these loans are essentially being reported twice, but that when a potential creditor checks my credit it shows {$90000.00} of open balances.
Consumer complaint received 2021-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I have attempted to have XXXX remove an unauthorized XXXX XXXX with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.
Consumer complaint received 2021-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

My name is XXXX XXXX XXXX am a victim of identity theft the information listed in this email which appears on my credit report does not relate to any account that I have made or open it is the result of identity theft Please block this information from my credit report pursuant to section 605B of the fair credit reporting act and send the required notification to all furnishers of this information enclosing this email or screenshots of the fraudulent accounts a copy of my credit report I received the fraudulent items are as I said in the screenshots attached to this email a copy of my identity theft report and proof of my identity a copy of section 605B of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days Also attached to this email you will find a copy of my complaint with the cattle retreat commission you will find another complaint to Fbi IC3 crimes unit you would also find an affidavit from the IRS for identity theft you would also find a report from XXXX XXXX XXXX Police Department and you will also find a copy of my lease and you would also find a copy of I am doctors restrictions As you can see from the attachment in this email my Social Security number trays that I searched on XX/XX/XXXX it appears as someone is using my Social Security number located at XXXX XXXX XXXX, XXXX, CA XXXX and the aliens that they are using is XXXX XXXX Furthermore the information that XXXX has put on my credit report was removed in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX it is unfortunate that XXXX  has chosen to violate my rights and discriminate against me by expressing depraved deceptive and misleading business practices My hope is that we can resolve this issue quickly this XXXX of my identity has been going on for far too long years and if XXXX  is still not going to follow the laws and rules of the current consumer protection act then I will file my complaint with the United States XXXX  department for discrimination with people XXXX as well as well consumer protection agency Im not sure why TransUnion has chosen to re-open claims that or fraudulent accounts they were open on my XXXX XXXX report after I had already disputed it and it was removed XXXX re-opened it for whatever reason it was wrong and it was bad business practice furthermore at the time in XXXX XXXX I was homeless and in and out of hospitals four weeks and months at a time I have also the hold a complaint with Nevada state attorney generals office in XX/XX/XXXX and I also have a pending complaint of assault with the XXXX XXXX XXXX Police Department dated XX/XX/XXXX as well
Consumer complaint received 2021-05-01
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. (SC)

Please remove XXXX XXXX from my account for Violations and Inaccurate Inaccurate of open day Inaccurate of payment history Inaccurate balance This is a Violation
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (CA)

Hello, I filed a report with the XXXX XX/XX/2021 ( XXXX Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with XXXX ( tracking # XXXX ), Equifax ( tracking # XXXX ), and XXXX ( tracking # XXXX ) on XX/XX/2021. It has been more than XXXX days and they have completely ignored my letters.
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION (MO)

I HAVE BEEN REQUESTING FOR OVER A YEAR VIA MAIL, PHONE, AND EMAIL FOR MY TITLE TO BE SENT TO XXXX  DMV SINCE WE NO LONGER LIVE IN XXXX XXXX WHERE OUR CAMPER WAS ORIGINALLY PURCHASED. THE ONLY THING THEY HAVE SENT TO THE DMV IS TITLE INFORMATION AND NOT THE TITLE SO WE HAVE BEEN UNABLE TO TRANSFER OUR TITLE TO THE STATE WE LIVE IN WHICH IS XXXX. THEY ARE SAYING THEY CAN'T SEND THE TITLE TO XXXX  DMV UNTIL IT IS PAID OFF WHICH MAKES ZERO SENSE. WE SHOULD NOT HAVE A XXXX XXXX TITLE IF WE NO LONGER LIVE THERE.
Consumer complaint received 2020-12-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Consumer complaint received 2022-06-26
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. (FL)

in accordance with the Fair credit reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.