davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} ; XXXX & XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

MOHELA took over my loans ( after that last shady XXXX  XXXX or whatever ended their contract- i did not get to pick MOHELA ) and despite me getting approved for standard repayment for an amount of XXXX ( that i am not struggling to afford. am not. NOT being the operative word. i CAN afford my payments ) and they six weeks later still have me paying graduated payment amount since XXXX. I asked them to distribute my payments at the suggestion of your organization using the same template to ask them to distribute extra payment to principal of highest interest, etc. Then i had a payent taken out with auto debit at XXXX ( again, i want it to be XXXX ) so eventually i call on XX/XX/XXXX or XX/XX/XXXX, spend an hour on the phone with MOHELA explaining that i want to give them more money, dept of ed said yes you can give us more money totaling XXXX/month. MOHELA said they need to " process this '' meanwhile interest is accruing becaue i cant pay down my prinicpal because i cant get the standard amount, and if i pay extra by just increasing the payment it's still just paying me ahead ( i'm ahead to XXXX XXXX XXXX despite my request to apply payments a certain way on XX/XX/XXXX. now today, XX/XX/XXXX, i get an email that my IDR plan request was submitted. BY WHOM?! not me!! i am not struggling, i will not be able to take advangage of PSLF, WHY WOULD THEY DO THAT. also, they put me into administrative forebearance for the next three weeks. why????? " Processing '' WHAT IS PROCESSING THE THING I NEVER ASKED FOR? now becasue of this an auto payment wont be pulled, interest will compound, and now they make more money off of me. because " processing '', XXXX and they know it. i literally have the money and they dont want it because they'll make less over the length of my loan. i will put myself through the poor house for the nexet two years to make sure they never get an extra XXXX  out of me. i want them to lose money on me since i call them so much they need to hire another custolmer service agent. two can play at wasting my money!
Consumer complaint received 2023-10-26
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SANTANDER HOLDINGS USA, INC. (FL)

15 USC 1691c 15 USC 1692k 15 USC 1642 15 USC 1681m 12 CFR 1002 15 USC 1692B Account was paid in full by insurance company My client is requesting that account to be deleted and remove all charge off in his consumer reporting agencies Under the laws of XXXX  XXXX and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following XXXX  : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (MN)

I have a XXXX XXXX account with my XXXX XXXX children, XXXX XXXX and XXXX XXXX, and my husband XXXX. We are all authorized to use this phone account to get a new phone when necessary or have a phone fixed. If they were n't authorized they would have to have XXXX call each time they need to do something with their phone for permission from me the head person on the account. My daughter, XXXX bought an Ipad on a XXXX account she set up with XXXX. I knew nothing about this account until I tried to buy a car and did n't qualify for a low interest rate because of a default loan from XXXX. I came home and called XXXX to ask about this item on my credit score thinking it must be a mistake. At this time I did n't know it was XXXX that had set up this account. XXXX told me that they could n't talk to me about this purchase because it had been turned over to a collection agency and I 'd have to wait to hear from them. This happened XX/XX/2015. The collection agency of McCarthy, Burgess and Wolff called me XX/XX/XXXX or XX/XX/XXXX about this loan. This is when I found out it was my daughter that had defaulted on the loan. I have never received anything in writing from either XXXX or the credit collection agency. XXXX never sent me a bill and the purchase amount never showed up on our XXXX phone bill. I still have nothing in writing from the collection agency even though I have asked and they have said they would sent a letter explaining. McCarthy, Burgess and Wolff said they would go back to XXXX for us, then called back and said they had received a response from XXXX and I never saw that information either. I was just told to pay the bill. We have no proof that who called us or who we call is this collection agency. I still do n't know how much the Ipad cost or what else is on the bill. I was told that there is an XXXX % collection fee. How can I be harrassed and responsible for this bill when I have never seen a bill or even what exactly I would be paying for if I paid this bill? 

Thank you for any help you can provide. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX cell XXXX
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sullivan Asset Management, LLC (VT)

They keep calling like XXXX to XXXX times a day saying I owe money to a bank in VT and that I need to pay it. They start off by telling me they have my social security number, my kids names where I work etc. They say I owe over a thousand dollars for frauding a bank. They also say this was from XX/XX/2010 I do not owe anything like this. I have asked them repeatedly to stop calling me at work and they call right back within a couple of minutes. They ask to speak to my supervisor at work. Its always the same guy but he gives me different names. He refuses to give me the address of where his company is. He states he has given me all the information he will give me. The only thing I got out of him is his phone number which is XXXX. He says the company is called Sullivan Assets Management but when you call it he answers with a different company name. He has sworn at me because I refuse to give him any information. They also have my email address but they dont send anything in writing. When I tell them I am reporting them to the Attorney Generals Office they say it wont do any good and that they will continue to call me. They know my age which is XXXX because he says to me someone that is XXXX should be paying their bills. Its harassment and possibly a scam and I would like you to look into this.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-26
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. (TX)

I had identity theft that resulted in the creation of the account. The identity theft occured from a roommate who lived at my property and had access to my mail. Through illegal activities including physical theft and identity theft, they opened this account fraudulently and used it to acquire merchandise that I did not authorize, benefit from, participate in, or allow. The police were notified, the FTC was notified, the credit bureaus were notified, and in spite of numerous police reports, direct complaints, indirect complaints, and disputes, they refuse to remove the information certified its accuracy under false pretenses.
Consumer complaint received 2023-10-26
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2015-04-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. On XXXX XXXX, 2014, upon request I paid {$3600.00} dollars to XXXX ( {$1900.00} ) charged on XXXX XXXX, 2014 & XXXX XXXX ( {$700.00} ) XXXX XXXX, 2014, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX ( I was on the phone for at least an hour ), she mentioned that because the card was closed they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay.
Consumer complaint received 2023-10-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd. (GA)

Harris and Harris claimed, verbatim : Please be advised that unpaid parking or camera violations are subjected to the following consequences : Booting and/or impoundment of vehicle ( s ) Offset of tax refunds ( s ) owed to you by the XXXX XXXX XXXX  Please note : Once a vehicle is booted, all outstanding debt owed must be paid in full. Contact us at ( XXXX to resolve this matter and prevent further collection activity. 

In support of aforesaid claim & demand, Harris & Harris was requested to produce court order, documents, and authorities, by our letter dated XX/XX/XXXX, inter alia, particularly, but not limited to, in section 12. 13, and 14. AND Harris failed to do so.

Such inflammatory language and threatening violate 15 U.S. Code 1692d. Harris & Harris violated 806,. 807, and 808 of Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) /Fair Debt Collection Practice Act.

Therefore, by the authority vested by the statutes, Harris & Harris must pay us {$1000.00} for each violation, totaling {$2000.00}. This amount of {$2000.00} must be paid within thirty ( 30 ) calendar days.
Consumer complaint received 2023-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc. (FL)

I disputed an auto loan account ( Carmax ) in XXXX because it randomly appeared on my credit. XXXX stated that Carmax responded that they certify the account belongs to me. 
I asked XXXX to send me any documents that Carmax sent but I havent received anything. I called Carmax customer relations department on XX/XX/XXXX to get the information that XXXX cant seem to provide. I explained to the representative at Carmax customer relations that a delinquent auto loan account appeared on my credit over a month ago. I provided my email and was told someone would look into the situation. I received a call back a few days later and the representative told me I needed to reach out to Carmax credit department. They would be the department to dispute any fraudulent accounts. After finally getting a hold of someone I explained the same situation about an auto loan account appeared on my XXXX Credit Report that wasnt mine. I provided my name and last 4 of my social and even the fist few digits of the account number that appeared on my credit report. On Carmax recorded line the representative stated that she didnt seem any auto loan under my information. I volunteered my full social just in case someone else shared the same last 4 digits of my social. She then put me on hold and the told me all she saw was inquiries but no account. I was told that they cant dispute the inquiries. I was told I would receive a fraud form to my email in which I never received. I also explained to her that I had previously disputed the account and told the representative that XXXX results stated that Carmax said they certified it was correct. The Carmax representative in the credit department denied claims that they told XXXX that it was my account because she said based of the information it Carmax would have deleted the account. So now there is a bigger issue. Either XXXX is not actually disputing the account or Carmax doesnt want to take responsibility. This is defamation and violation of the FCRA. This has hurt my credit. I mentioned to the Carmax rep in the credit department that is pending dispute again and she stated she didnt see a dispute. But on my credit report it is being disputed. So now one can seem to verify this debt by sending me actual documents.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMIsSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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 


According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-26
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: Mercedes Benz Financial Services (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s 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
Consumer complaint received 2023-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armstrong Teasdale LLP (MO)

Third party collection company that has no contract with me posted personal information online on multiple sites. Demanding payments for a debt that was not validated and verified. Identity theft is being reported. Company has no record of business license in my state, i m also reporting to XXXX XXXX, XXXX and IRS