davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

Requested - by CFPB complaint XXXX - that promised theft protection be provided and notice of protection be provided to me. 

No information on protection has been provided to me.
Consumer complaint received 2017-11-04
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. (LA)

In XXXX of XXXX, XXXX XXXX XXXX obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by XXXX XXXX XXXX. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

There are actually several problems. I have inaccurate personal data showing up on my report as well as a collection that I have asked to be removed, even having provided a letter from the creditor asking for the collection to be removed and it is still there, and several inquiries that were fraudulently placed without my asking. I have provided the documentation several times but the information never gets corrected.
Consumer complaint received 2017-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

In XX/XX/XXXX I was notified by XXXX that someone was attempting to open a XXXX XXXX account and a XXXX account in my name. XXXX stopped it, but the criminal apparently opened a bank account in my name and has bounced checks in my name. The original credit grantor AND their collection agency have been provided proof of the identity theft. 

On XX/XX/XXXX, they BOTH, in writing, promised to remove this account from my name and credit report, yet I received a letter today ( XX/XX/XXXX ) that is dated XX/XX/XXXX, that boasts that they are still reporting this fraudulent account on my credit report. 

They have been provided proof, they accepted that proof, they promised to follow the FCA and remove the fraudulent information, and are now willfully breaking the laws that are in place to protect consumers by continuing to report what they know to be a fraudulent account on MY credit report.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

One of the addresses listed under " associated addresses '' is incorrect. I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I sent an email requesting a change but did not receive a reply. 

Thank you.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (MS)

I had an account with XXXX XXXX prior to the merge with Wells Fargo in XXXX. I called customer service and closed the account leaving money in the account to cover any charges for 1 month. I called back to customer service and advised that I would be withdrawing the additional funds from the closed account, but I will leave enough money to cover the ATM charge. In XXXX, I received notice from Wells Fargo regarding excessive charges to this closed account over {$200.00}. ( Please note there was no correspondence by phone or mail from Wells Fargo prior to receiving this notice. ) I called the phone number provided on the notice and requested bank statements to support the alleged charges. I received the month prior with a positive balance and the month after negative balance, but they failed to send the actual month that the alleged charges occurred. I called again to request this month, but was told that it should be there. The person became argumentative when I advised him that I did not receive the document. I advised the personnel that if the company can send me actual proof of the amount owed, I do not have a problem paying an amount that I owe. 

On XX/XX/XXXX, I received a voicemail stating that she will attempt to serve papers tomorrow on XX/XX/XXXX between XXXX, if she is unable to serve the papers then she will document that I refused the papers and the court proceedings will comence without me leaving a contact number of the plaintiff department at XXXX. At the time, I was totally unaware of what the call was referring, but the representative ( which voice sounded the same as the one leaving the prior voicemail ) advised me that it was referring to a XXXX account. The representative then stated that I owe a total of {$440.00}, but I have the option of paying 70 % of the total owed in the amount of {$310.00}. I was also given the chose of making installments? I explained to the representative that I requested documentation from Wells Fargo in XXXX to support the charges, but they failed to send me the proof of the actual charges. The representative stated that she did not have access to banking statements and inquired about how I wanted to proceed? I advised the representative that I was not going to pay an amount simply because they say that I owe an amount that they are not willing to provide documentation. The representative stated that she would document that I will continue with court proceedings.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (WA)

On XX/XX/18 someone stole my XXXX XXXX card number and information from my XXXX XXXX account, they hacked into the XXXX XXXX and gotten my card information that was on file and made two unauthorized purchases with my card number. They made 2 purchases in the amount of {$90.00} and {$72.00} and attempted to ship it to themselves out in XXXX. Using my name and my information. I called XXXX XXXX but they kept giving me the run around. They transferred me over to the dispute department, unforturnally the line kept disconnecting on me due to high volume calls, making it difficult for me to dispute and get my money back. I don't have all this time to play with them, I need my money. I have bills to pay. I am tired of getting nothing done, they are not doing their job but transferring me and I am being cut of daily as I try to put in a dispute.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (GA)

I have a collection on my XXXX credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been over 4 months since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX XXXX
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

XXXX XXXX, XXXX acting as a debt collector for Hyundai Motor Finance improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GOLD KEY CREDIT, INC. (OH)

On XX/XX/2018 I received a call from this company. The representative stated their name, I have since forgotten the name. They hung up before stating any information regarding the call - simply their name and they hung up. 

I subsequently called back to see who was calling me. It is rare for me to get a random number calling. I got the same person, and said you just hung up on me - what were you calling about? She then asked who I was. I told her that I just received a call from her number, and the person identified themselves with her name. I'm not sure if the call is for me or not, but I was trying to find out. She said that until I was ready to identify myself on the phone she couldn't help me, and hung up. 
I called again, and asked for a manager. The person that I spoke with this time said that someone could call me back. I stated that I could hold. She said that they don't transfer calls there. So I explained that I am trying to understand the nature of the call that I am receiving. By this point, I had at least been able to XXXX the company to know that they are in fact at least a company with a website, but nothing that I have any knowledge of business with. I gave her the phone number that they called, and the representative confirmed that they were in fact calling for me. I identified that I am in fact the correct party and how can I help them? She then says she can't tell me why she is calling unless I provide my address and date of birth. WHY would ANYONE ever give an unknown person at an unknown company their address and date of birth when they have no knowledge of who they are or why they are calling??? I replied that she does not need that information and again asked how I could help. She refused to speak with me, and I requested no further calls from them as they refuse to state the purpose of their call. 
Upon arriving home I had a letter in the mail from Gold Key Credit. The letter informed me to the purpose of their call. My concern is that due to the extremely unprofessional manner in which they handle themselves, I instructed them to never call me again. A balance could of ended up reported to my credit, simply because the employees are to inept to identify the purpose of their call prior to asking for key personal identification information that most people will not provide without any knowledge of why they are providing such information. Since their managers don't take calls, this is the only avenue remaining for me to voice my concern.
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical & Professional Collection Services, Inc. NC. (IN)

This company reported that I owed medical bill. This company reported they have contacted me twice and left a message. Never got any messages. This company reported that I sent them something by fax. I do not own a fax machine. All my correspondence is done my mail which is a paper trail for me. This company stated they have sent me several letters. I only have received one letter with my diagnoses. This company has refused to validated because they are right. I feel like this company is violated the FCRA as a consumer and they are getting away with it.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, Capital One sent me this offer as a pre-approval ( pre-approved offer ) because of this I expected to be approved without my consent of this credit card, little did I know I was denied even though my credit score is fairly high. I do not feel like this denial was justified and it should be removed, as I did not receive a response / reason on why this was denied.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

In XX/XX/XXXX I took out a loan with XXXX XXXX dba XXXX for $ XXXX. Since then I have made all my payments on time that have not been sent to the Investor/Beneficiary XXXX, XXXX, XXXX XXXX, TRUSTEE, XXXX TRUST according to them. Recent cases have stated that the Trustee XXXX XXXX  must inform me in detail of all payments made since XX/XX/XXXX to my loan, including those from XXXX XXXX  XXXX XXXX XXXX. They has been misapplying my average payment for {$2000.00} usd per month and not posting the correct amount to Principal which leads me to believe this is all fraud on the Bankruptcy court. Sometimes they post {$540.00} to Principal and sometimes {$460.00} which is absurd. Also the charge me fees and costs which I know nothing about. I went through a divorce in XX/XX/XXXX and filed for Federal Bankruptcy Protection in XX/XX/XXXX and have made all my post petition payments as agreed since then, but they have posted them to my pre-petition payments which are being made directly by the Trustee. I request that the CFPB audit this loan asap.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My card was a GM credit card. When they tried to raise my fixed rate, I closed the account as I did not agree to the rate increase and have been paying down my balance. Capital One took over the GM card and then changed their website. As a result of my account being closed, I no longer had a card with a valid expiration date or 3 digit security code. I have been making payments for years, online. As a result of the website change and my not having a physical card, I could not register on the new website. They have since started mailing paper statements and I am being forced to make payments by phone, as I can no longer do this on-line. I have asked they stop sending paper statements and just send an email notification that my bill is ready. They will not. I have asked they send me a new card, with a credit limit of XXXX dollar, so I can register on line and make payments. They have refused. I just want them to STOP sending paper statements. I know when the bill is due and how much is owed, as I have been paying this off for the past several years and only missed one payment since the account has been opened. They are never cooperative over the phone and send only dumb form letter responses to my written request. " The requested action can not be taken at this time because the account is closed. '' I just want them to stop sending me statement in the mail. Period. I will make phone payments if I have to, but I do not want paper statements. They are completely ignorant and even the branch office of the bank can not help. I will never again have any account affiliated with Capital ONE. What in the term " customer service '' do they have difficulty with?
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I recently reviewed a copy of my XXXX report and noticed that Carter Young for {$220.00}, is still associated on my credit report. Attached is proof that this account was found invalid, and was removed from my XXXX credit report. I have contacted XXXX, to advise them to follow suit and to remove Carter Young {$220.00} off my credit report, which still shows as a open collection on my account. This must be removed from my credit report to show my true credit history, as tis item should not be reflecting on my credit report. 

He is a copy of the Bureaus name, findings, and proof of this removal of Carter Young {$220.00} being removed from my XXXX credit report. 

XXXX XXXX
Consumer complaint received 2017-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an unauthorized inquiry on my I have an unauthorized inquiry on my credit report I did not give permission for XXXX XXXX XXXX to run my credit report and trans union refuses to do anything about it They keep sending me cookie cutter answers, Trans Union has done nothing to investigate
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (VA)

Who : XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. 

What : Warrant in Debt obtained in XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$680.00} plus 6 % interest from date of DOJ until paid plus {$59.00} costs. Hearing set for XX/XX/XXXX at XXXX XXXX 

Actions : I contacted XXXX XXXX XXXX on XX/XX/XXXX to advise them that I was unable to be present and ask for a continuance and also to advise them that I have never lived in XXXX XXXX and the creditor does not do business in XXXX XXXX, thus I believe jurisdiction to be in question. My request for continuance was considered by the judge and the hearing was rescheduled. I received a Bill of Particulars from the creditor indicating the new trial date was XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the creditor to advise them that there should be a change of jurisdiction given that I reside in XXXX XXXX and have never resided in XXXX XXXX. My home is not even near the XXXX XXXX border. During that phone call, I was advised that the trial had actually already taken place - on XX/XX/XXXX - and that the Bill of Particulars was in error. A follow up call from the creditor later that day confirmed that the judgment was granted in XXXX XXXX and the creditor advised that I could seek to have the default judgment vacated. The agent stated that it didn't matter that the Bill of Particulars was in error because they would have gotten the judgment anyway had it been on XX/XX/XXXX as I was notified. 

XXXX : There are two problems here. # 1 is the jurisdiction issue. Again, I have never resided in XXXX XXXX. I reside in XXXX XXXX. The creditor does not have a place of business in XXXX XXXX either. # 2 is the incorrect Bill of  Particulars. I was given the wrong trial date. The creditor is required by law to notify me in writing of the time and date of the trial. The information was incorrect. Therefore, the creditor did not comply with Virginia law.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.
Consumer complaint received 2018-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted Numerous request to TransUnion and requested the removal of unauthorized inquiries on my credit profile. TransUnion responded and only directed me to the meaning of inquiries. However, i have further stated before in a separate request to TransUnion that i did not authorize these inquiries. 

I am requested the removal of such inquiries that were not initiated by me. 

I HAVE ATTACHED THE PROOF FROM ONE OF THE BANKS STATING THAT THE INQUIRY SHOUDL BE DELETED AND THAT WAS WELL OVER THREE MONTHS