davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ENCORE CAPITAL GROUP INC. (VA)

I am not sure exactly who this company is or why they were trying to contact me, however, I found their site by Googling the number that called my home yesterday. Whoever the representative was from their office harassed my babysitter & got very rude & hateful with her & kept demanding mine or my husband 's work hours. She informed him I was not married & then he started hounding her about when I would be home. When she told him I had work hours that varied he informed her she must live here so she should know. 1. She does not live here. 2. Hours can vary from day to day. 3. Now I will not be working for a while because my health condition has flared up but I will have various appointments & various times. 4. I assume from their site that the call was an attempt to collect some sort of debt so their representative violated several regulations & I will be filing reports & complaints with all appropriate agencies. For one, aggressive & threatening behavior, language, & tone are strictly forbidden. For another, if it is an attempt to collect a debt collectors are forbidden by laws & regulations from speaking to anyone else about the debt but their representative was perfectly willing to speak to my so-called husband about it!! All of my debts & accounts are in my name alone so if they are trying to collect on something why would they even want to speak to someone else?! 
I filed a complaint with their Chief Compliance Officer today & told them I did not want anymore phone calls.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Accounts reporting incorrectly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX
Consumer complaint received 2020-10-13
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: CBC Companies, Inc. (FL)

I am a victim of identity theft/fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Acceptance Corp. (TX)

Today XX/XX/2017 i received an alert through XXXX XXXX that XXXX XXXX made a hard inquiry on my credit. It reflects on all the three credit reporting agencies as there has been a drop of about 123 points in one of the scores. I wish to state that i did not authorize the inquiry and therefore its fraud. Their contact is XXXX XXXX XXXX XXXX XXXX missouri XXXX XXXX XXXX Kindly please investigate this urgently XXXX XXXX XXXX last four of ssn XXXX
Consumer complaint received 2015-10-20
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (VA)

My name is XXXX I am a rush card customer. I have not been able to touch my account for 9 days now. Money is missing on my account. They deactivated my card when I did n't need it to be. Then I have to pay XXXX to have a card shipped to me overnight and it still has n't been processed. Call CSR no answer or they hang up, message them no response. What else is there to do
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I was recently notified that my federal loans with the XXXX XXXX were discharged : You have been approved for debt relief under the Biden-Harris Administration ! This is part of the Biden-Harris Administrations commitment to delivering relief to borrowers whose schools engaged in unlawful conduct.

I understand that this does not include private loans, however I reached out to Firstmark and asked how I would go about filing school misconduct with them. They said its not offered for my loan type and couldnt elaborate on it further.

I am concerned because I did not originally sign a loan with Firstmark. My original provate loan lender was with XXXX XXXX. I did not have a choice in the matter of this debt being transferred to Firstmark.
Consumer complaint received 2015-05-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

The collector left a voicemail message on my husband 's phone, stating that the message was for another person ( stated the name ). She stated that she was attempting to reach me ( stated my name ), and to have me contact her. She gave her name and the name of her company, and what the debt was for. The caller was not authorized to contact anyone other than me about the debt, and is calling random people with the same last name in an attempt to reach me, but is disclosing confidential information that no one else should have knowledge of. I have retained the voicemail message for my records.
Consumer complaint received 2024-04-06
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: EQUIFAX, INC. (GA)

I am writing to formally request the immediate removal of several charged-off accounts from my credit report per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). The inclusion of these accounts on my credit report not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that accurate and fair reporting of consumer credit information is maintained by credit reporting agencies. However, the charged-off accounts listed below fail to meet these standards and require urgent attention : Account Name : XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$3700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : [ Account Number ] Recent Balance : {$750.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$750.00} written off. {$460.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX : [ Account Number ] Recent Balance : {$4600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/XXXX. 

Furthermore, I assert that I have never received a 1099-C Form about any of the debts. These companies have utilized the alleged debts as tax write-offs without my knowledge or consent, further exacerbating the inaccuracies on my credit report. 

As per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action being pursued to enforce my rights under the FCRA. I trust that you will handle this matter with the urgency and attention it requires. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I have been a loyal account holder of Venmo for years. Always paying/receiving with friends and family. My account was frozen out of nowhere XX/XX/24 and with no explanation. I have sent many emails and complied when they requested information from me. ( Uploading my drivers license ) They have given me the run around transferring me to different departments never actually answering my questions. 

They are holding my money and will not allow me to transfer to my bank account. On top of all of this shadiness they will still accept payments into my account from friends/family, but I will never be able to access it. This is not good business practice. I strongly advise that you do not trust Venmo with your business and money. I have also done extensive research about thousands of other horror stories of unwarranted frozen accounts. This is unacceptable and I want my money now.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Account 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 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (MD)

As of Friday, XX/XX/2019, Suntrust bank took overdraft fees from my account on five transactions in which I have money in the bank. Two transactions are still pending that was done on the same date ( Wednesday, XX/XX/2019 ) that the five transactions that the overdraft fees were taken from and were not charged the {$38.00}. One transaction from XXXX was withdrawn on Thursday, XX/XX/2019, however, it is still pending and not cleared as of Friday, XX/XX/2019. I also received a deposit of {$240.00} on Friday, XX/XX/2019.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MO)

> Im writing in an effort to both request help on a personal banking matter and to highlight an area of concern in Wells Fargo 's operational procedures. 
> > On Thursday ( XX/XX/XXXX ), I deposited a check in your XXXX, Kansas Wells Fargo branch and was told a portion of the funds would be available the next day, XX/XX/XXXX, and the balance of funds would be available on Tuesday, XX/XX/XXXX. The teller was very helpful and very clear on the hold amounts and durations- going as far as circling the printed receipt that outlined the portion of funds available each of the days. 
> > On Friday morning ( XX/XX/XXXX ), I was able to go online and confirm the teller was correct and make a few transfers between various Wells business accounts. No problems. Then at XXXX that afternoon, the portion of funds that were showing available were reversed out, reflecting a negative amount in my account, AND the funds showing not available until XX/XX/XXXX. 
> > As a customer with XXXX for 25+ years now, I understand the need for holds and to be cautious on my side in moving/spending funds before they fully clear. In this case however, Im confused on why it was ever outlined that a portion of funds would be available and that they were reversed out at the end of the day. It's also important to note the source of funds. The check was from XXXX, who is also a Wells Fargo banking business ( the check reflect Wells Fargo on the front- see attached ). My understanding is source of funds are considered when deposits are made so holds are inline with the risk????? ( btw, last earnings call from XXXX stated that had $ XXXX in free cash flow ). Just as important, there is a history of XXXX checks depositing in to my accounts and Ive been fine on the holds because the hold period was accurately disclosed. Why would Wells Fargo not be able to access one of their accounts to confirm availability of funds? Are they holding money to gain interest at the consumers expense? Why wouldnt they simply state a longer hold period upfront versus mistate availability of funds? 
> >
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I received my full credit report as of XX/XX/XXXX, I notice inconsistent reporting regarding a late payment on all three credit reports. 

XXXX : XXXX XXXX accountXXXX Reporting a missed payment as of XX/XX/XXXX with account being open XX/XX/XXXX Equifax : XXXX account XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account opening XX/XX/XXXX XXXX : XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with being open XX/XX/XXXX I will provide screenshots of the inconsistent reporting showing on my reports, Prior to my review of my credit report I informed the credit company that I have been injured at work which my income as been placed on hold due to not being able to work due to the injury which is reason for missed payment, I asked for options of hardship to avoid the negative reporting I was advised no process in place for this type of issue I was informed to get the payment in as soon as possible, I was advised the payments will still be reported, Reviewing my reports it shows the reporting of this late payment is inconsistent between the three reports. I am aware all reporting has to correct and accurate at all times
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2024-02-14
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: EQUIFAX, INC. (MO)

There were 2 hard inquiries posted to my equifax credit report XX/XX/2024 that I did not initiate. Someone fraudulently attempted to open credit cards under my name from XXXX XXXX and XXXX XXXX. XX/XX/2024 I contacted XXXX XXXX on the phone, and they stated they would remove my credit application and contact crediting agencies. I contacted XXXX XXXX and they stated they had no record ( the card may have been denied ). I initiated a dispute on both hard inquiries with equifax, and within 24 hours with no contact from equifax for further information, they deemed the inquiries as " accurate, '' and intend to leave the hard inquiries on my credit report, I spite of them being fraudulent.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 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 2017-01-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX I open a card with American express. it was a simple card with no rewards or annul fee. a few months later I learned they now imposed an annual fee so I closed it. 
In XXXX XXXX Three and a half years later, I received an offer from Am Ex about a card with {$250.00} incentive if I spend {$1000.00} in the first 3 months. the card did not make any reference to my old card in XXXX. 
Having vague memory of what happend a few years earlier, and not knowing any association between this new card and the old one. I signed up and began to use it over my other cards which also offered great rewards I did not think anything fishy as they are supposed to be a reputable company. 

In XXXX, I called to make a payment the agent confirmed I have " until XXXX XXXX '' to fulfill {$1000.00} and I would get the incentive. 
In XXXX XXXX. I called to make a payment the agent also reiterated the above. 
In XXXX however, they told me I would not because I had the acct 3 and a half years earlier. 

They refused to answer my questions : the old card was a different card with no incentives and no fee ( when I signed up ) They knew of this old card all along -- that was how they got my address and SS to offer me the promote in summer XXXX. 
they did not mention anything about the old card in their offer. 
They did not inform me policy change. 
in fact, the XXXX agents mentioned above confirmed I would get incentive. 

They waited until I fulfilled the requirement in XXXX to inform me I would not qualify for the incentive. 
Had they told me earlier, that having a card almost 4 years earlier would disqualify the incentive, I would have close card and would get my annual fee back and I would use other cards and receive great rewards. Infact, I would not have opened it to begin with. 

They failed to honor their word. 

I am very concerned American Express have been using deceptive tactics to allure customers. 
In XXXX it was annual fee which they imposed after I opened. They are doing it again. 
This time they refuse to honor incentive agreement by using the excuse hat I had a card before, something they knew when they sent me the promotion offer, and in fact all along. 
Of the XXXX cards, I spent {$2500.00} plus a {$95.00} fee ( for the new card. ) They made some money off my cards, they also need to honor agreements. 
They need to conduct business with integrity and respect. 
policy should be open, transparent and consistent ; should policy change, they need to notify me. 
They are operating an unfair and unethetical business practice.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-08-05
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. (KY)

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX and XXXX Account # 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 2024-05-04
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

Date of XXXX : XX/XX/2024, {$410.00}. I opened a dispute with Synchrony Bank for this charge multiple times and have provided uploaded supporting documentation, as well as mailed supporting documentation. I called Synchrony Bank on XX/XX/XXXX and confirmed that the mailed documentation was received, and an investigation would be conducted a temporary credit and interest would be issued to my account upon completing of the investigation. However, on XX/XX/XXXX, I received a letter advising me that the documentation had not been received, I am unsure what type of games are being played at this point, this is company is a fraud.