davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. (CA)

This is my second 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 alleged fraud or extortion XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Balance XXXX {$2100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX Balance {$320.00} ; XXXX XXXX XXXX Balance {$73.00} ; XXXX XXXX  XXXX  ( Original Creditor Name XXXX XXXX  XXXX XXXX ) XXXX  Balance {$120.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX  ) XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$3100.00} ; XXXX XXXX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX/XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The following debt collection agency Portfolio Recovery Associates , LLC has not validated the debt they are also not licensed in the state that they reside in according to XXXX XXXX XXXX this means they are collecting debt illegally also this debt is reporting to an address located in XXXX XXXX XXXX XXXX XXXX FL XXXX I am not associated with this address
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (PA)

In 2022, my account was closed from Navy Federal for unknown reasons I was not notified of. 

I held a personal checking account with direct deposit and 3 business accounts with a Navy Federal credit card. All was closed with no explanation.
Consumer complaint received 2023-05-09
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. (OH)

I have tried Several times to Dispute inaccurate information with Equifax which Equifax doesn't reinvestigate my dispute and fails to provide proof of their findings I am asking for Equifax To reinvestigate and delete the negative information and the accounts that were fraudulently opened in my name Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

I took out a home project loan via a credit card at Wells Fargo, my normal banking institution. This was about 4 and a half years ago. It was a zero interest card as long as I made monthly payments and was not late. Well with three payments left, I get a new card in the mail and my old account showed as cancelled online. I called and they said that the automatic bill pay service was not active like it was on the old account, so I had to make a manual payment to avoid late fees and cancellation of my promotional interest rate. I did that, and then they proceed to take the original payment out as well. I am irate because I spoke with them about this beforehand and now they are holding on to more of my money that I do n't have access to. Very shady business practices.
Consumer complaint received 2017-02-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I have a fairly new loan with this company and since day XXXX I 've had nothing but issues with payments and being told XXXX thing and the company does something different. The first issue was when I was told that the company would honor the date on a check I had wrote for my payment it was a holiday and I knew the checked would be delayed. The rep I spoke to assured me it would n't cause me to be 30 days late but indeed it did and they did n't honor the check date like they said they would. After reviewing my credit and seeing a 30 day late status I contacted them again and explain the situation and they told me they would credit back the late fees and soon after I found out in XXXX from a supervisor they did n't after I was told in XXXX they did. Next issues was that the company never informed me that XXXX payment was n't made until XXXX when I was confused of why my credit report was now showing 90 days late. The company time after time promised things and did n't hold their end of the deal.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my updated credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$6700.00}
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I sent a letter XX/XX/2023 tracking  # XXXX # XXXX XXXX # XXXX However credit bureau XXXXaying they completed investigation and everything was accurate.

According to the law 15 U.S code 1681a definition rules of construction. The term investigation consumer report means a consumer report of portion thereof in witch information of a consumer character.general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends or associates of the consumer report on or with others with who he is acquainted or who may have knowledge concerning any such items or informations.however such information should not include specific factual information on a consumers credit record obtained directly from a creditor or the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

In XXXX of 2016, I decided to open my own private counseling practice. On the day that I decided to take my first big step by creating my LLC and opening my business account, my childcare fell through, requiring me to take my baby to the bank with me. While the Wells Fargo employee did seem a bit unprofessional at first and was eating as we talked, I initially loved meeting her. We connected about being transplants from the XXXX and I found myself wanting to help her feel welcome. However, as I have looked back on the meeting, I feel like it was terribly unprofessional. 
As we were opening the business account, I told the Wells Fargo employee that I was interested in getting a business credit card in the future, but that I had no interest in signing up for more cards at that time. We completed my LLC paperwork and opened my account. She told me that in order to open my account, I " had to '' structure it so that it was divided to three sections -- taxes, savings, and the main operating account. Having never owned a business before, I listened to what she had to say. She never told me about the different business account options at Wells Fargo, nor did she inform me about any possible fees I might accrue. Finally, as we were closing the interview, my baby started to cry and I informed the woman that I would need to nurse her so that we could continue our meeting peacefully. To this, she responded " pull out that XXXX!! '' I was surprised by her unprofessionalism, but the meeting was ending and I was happy to have successfully acquired my LLC and opened my account. 
Opening my practice was a slow process, being that I was home full time with my child. I was not utilizing it often, which meant that it took me 2-3 months to discover that at the bottom of my online account, the Wells Fargo employee had signed me up for XXXX credit cards. Additionally, the taxes and savings sections of my business account had been accruing fees rapidly. She did n't just sign me up for a business account -- she signed me up for XXXX separate additional accounts. I did not give verbal consent for any of this. I did sign electronically at the employee 's desk, but I was not clearly informed that by doing so, I was signing up for credit cards or additional accounts. Finally, I was not informed that my main business account would also be at risk for accruing fees. I came to the bank to sign up for XXXX bank account, and left unknowingly with XXXX bank accounts and XXXX credit cards! 
The experience of opening a business, especially as a woman and new mother, should have been an empowering experience for me. Instead, I was deceived by my bank before I even had a chance to begin making money.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rent Recovery Solutions (GA)

On the XXXX the of XXXX I checked my credit report after receiving an alert that a new collection accounts had been added. The account has been removed several times and this company keeps placing this on my credit. The debt is not owed and negatively affecting my credit score.
Consumer complaint received 2023-05-08
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. (LA)

I have reached out to these companies on XX/XX/2023 stating that this inaccurate unknow information is not mine and I need it deleted. I asked these companies to verify these unknown, inaccurate accounts which is to provide me the original contract or agreement with my wet signature, and the statements where they interviewed others who know me. It has been over 30 days and these companies are continuing to violate my consumer rights and ignoring my request. I have provided what is stated by law needed to provide my identity and that I XXXX XXXX is a real natural person. These companies are reporting new negative information every month which is illegal. These companies have caused me and my family financial hardship because they are illegally continuing to report unknown negative information on my credit report which has made it difficult to find a job, and place to stay for my family and I.
Consumer complaint received 2017-09-07
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Equitable Acceptance Corp (MD)

In XX/XX/XXXX, I received an email from XXXX XXXX XXXX  saying they were a student loan forgiveness program. I enrolled in their program with a contract of 240 months, paying {$49.00} a month for 40 months. After that as long as my income did n't change and I made payments on time my entire student loan debt would be forgiven. Last month, XX/XX/XXXX, I received a statement from XXXX where I noticed the loan was accruing interest. I contacted XXXX XXXX XXXX, on my first attempt the phone number I was given played a recording that the company no longer was accepting phone calls on behalf of XXXX XXXX XXXX. I XXXX the company on XX/XX/XXXXand spoke with a manager named XXXX, ID # XXXX, who told me after 3 days I was no longer able to cancel the contract. I 'm contacting the CFPB because Integra is using a third party collection agency Equitable Acceptance who is expecting payment and should this turn out to be a scam I do no want to continue paying for a service that is not doing what they said there company would do.
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

I just want To Equifax to read this and tell me what is their definition of this Federal Law? AND TELL ME WHY YOU CA N'T PROVIDE THE INFO THAT I 'M REQUESTING YOU MUST NOT HAVE IT IF YOU CA N'T PROVIDE IT? SEND IT OR DELETE IT ... .. 
PLEASE READ THIS AND TELL ME WHAT DOES THIS MEAN?????????????????
Consumer complaint received 2023-05-09
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OR)

I called after the merchandise was not received, they filed a dispute and never gave me a disclosure or any follow up. They refuse to let me talk to anyone in their dispute department and tell me I should have filed with PayPal instead of synchrony bank.
Consumer complaint received 2017-02-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I returned the car at the end of my lease. A charger that came along with the car was returned later to the nearest dealership. Toyota wants to charge me a ridiculous {$950.00} for forgetting to return the charger. They did n't even call me about the charger. As soon as I noticed it lying in my garage, I went to the nearest Toyota dealership to return.
Consumer complaint received 2023-05-08
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. (AL)

I am saddened that I can't not get this resolved. I recently disputed inquires on my credit report and you guys said they're authorized and they are most certainly not. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you delete these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX - CARXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Also, I have accounts that remained on my report that are over 7 years. Please removed these accounts.
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jason A Craig, PC (GA)

The medical bill that was owed to the original credior, XXXX XXXX Medical Center in XXXX, Ga but was on my credit report listed under the name Jason A. Craig & Associates was removed off of my XXXX credit report due to being a third party creditor. In XX/XX/XXXX, i was subpoenaed for the amount owed to the hospital which was {$1400.00} with 18 % per annum which turned out to be {$2400.00}. I answered the subpoena on XX/XX/XXXX and was told by the XXXX County, Ga Magistrate court that I would receive a court date in 5 weeks to discuss the charges. I left on military XXXX  on XX/XX/XXXX and returned onXX/XX/XXXX. When I got paid by my civilian job on XX/XX/XXXX,  I found out my wages had been garnished by Jason A. Craig & Associates for {$2600.00} while I was away on military XXXX. I called XXXX County, Ga Magistrate court where the garnishment was filed at and was told papers were submitted stating that i was summoned in XX/XX/XXXX and never responded to the summons which was not true. I was indeed summoned in XX/XX/XXXX and I did answer. When I talked to XXXX County, Ga magistrate court she told me that she never sent out a court date because a lawyer from Jason A. Craig and Associates called her and told her not to send one out because he would contact me to settle the account which he did not.
Consumer complaint received 2017-02-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Equitable Acceptance Corp (MI)

I was not aware that the company was charging me such a large amount to them, they made it out that they XXXX a month would be going to by student loans and not them. I was also not aware that this would show up on my credit account as a credit card.