davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.
Consumer complaint received 2018-02-11
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)

This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. 

I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately
Consumer complaint received 2018-02-11
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. (MI)

I tryed to dispute these accounts back in XXXX XXXX XXXX, XXXX, and XXXX XXXX with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from Experian showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This complaint is on the credit card practices of Kohl 's department store and the attempts made to report fraudulent activity. On XX/XX/XXXX, I received a notice from Kohl 's department stores ' fraud investigation team regarding an application using my social security number. I contacted the team immediately to report that I had not applied for credit and that the activity was fraudulent. They asked for me to provide personal details such as name, address, last 4 of SSN in order to open a case. I refused to provide that much detail and they suggested as an alternative course of action that i report the activity to the credit bureaus and establish a credit freeze. I ended the call and promptly contacted one of the credit bureaus to report fraudulent activity on my account. They provided a confirmation number and i received messages from all three bureaus noting the fraud alert was in place on XX/XX/. After this time i received an order of pants from Kohl 's and i contacted them again to report that this is fraud and they issued a return merchandise order. The order was picked up by XXXX around the XXXX. 

I just received a bill from Kohl 's with several hundred dollars in charges on this fraudulent acocunt. I called their fraud line again and tried to report this case as fraud, but they insisted on collecting all my personal information. I provided my name, address, and last 4 of the social security number and they insisted on having my email address as well before they would open a fraud ticket. I was very reluctant to provide this personal information in the first place and refused to provide the email address. I requested to speak with the service rep 's supervisor, but she refused to do so without me providing all my information, e.g. email address. I also asked for them to provide me with a mailing address to their president and they refused to provide this information. 

In this day of information security breaches, these company 's should not be asking for my personal information to load into their systems. I am trying to do them a favor and notify them this is a fraudulent account, but they won't take action or open an investigation and cancel the account so they don't incur any additional charges. It is unconscionable that they should be able to operate in this manner and i will take legal action against them if they damage my credit standing after the attempt i've made to remedy this situation. 

I specifically ask for the CFPB to take action against this company and other credit card vendors to establish rules around the information they are able to collect from honest consumers reporting fraudulent activity. The company 's should not be able to gather and retain this information only for their benefit and continue making arbitrary rules to collect even more information from victims of fraud.
Consumer complaint received 2018-07-27
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. (TX)

On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (LA)

I recently ran my credit report on notice that I owed some money through XXXX XXXX that was being handled by a company called Diversified Consultant. Apparently this bill was for service that I had when I was in Indiana and was not aware because of not receiving any information and relocating to another State. On XX/XX/XXXX, I mentioned this to Diversified and asked if I pay it off can I have it deleted from my credit report. They said all they could do is show it was paid in full. I paid the amount due and requested an email as well as letter stating that this bill has been paid which I have still not received.
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

This all started on XX/XX/XXXX, when someone hacked into my online account and deposited a fraudulent check into my account for the amount of XXXX. They then changed my contact information and enrolled me into XXXX. They made three online transfers from my savings to my checkings. The first amount was for XXXX dollars and the last two transfers were in the amount of XXXX each. For a total of XXXX my whole life savings. Then they proceed to make cash withdrawals from ATMs, stores, and online purchases as well. On XX/XX/XXXX, I called Wells Fargo bank to report a claim of fraud on my account. The claim was taken over the phone but the information was incorrect and lost along the way with so many transfers between the departments. On the phone call, my account had a stop hold/ stolen place on my account. They said to close that account and open a new account that was still linked to that account. Over the phone, they changed my username and password for my online baking and even added a verbal password to my account. The agent told me that I would need to go into the branch to pick up my temporary card for my new account. I went into the bank that evening to pick up my new card but they were unable to help me. Once again I had to call the bank on the phone and they had to reset my account once again. A few days later I called to check on the status of my claim no new information was available. I received a survey in my email asking how I felt about my recent call to Wells Fargo. I was unhappy with my experience with Wells Fargo, so someone called me from my local branch and they set up an appointment to talk to a banker. I spent over two hours at this appointment on XX/XX/XXXX. The original information for the claim was incorrect and things were missing from the claim. The banker also noticed that whoever it was still had access to my account because they were still ordering checks even with the stop hold/ stolen in place on my account.The banker told me that I needed to close out that new account completely and open a new account that had no connection to my original account. I opened a new account. While I was at the bank I spoke to someone who said he was going to start my investigation. He asked me questions, but it was hard to understand him and communicate with him. He told me that the person who would complete my investigation would call me within 24-48 hours but that never happened. A week later or so I received a phone call from the banker who had been helping me. He informed me that my claim had been closed and he asked me what happened. This was news to me so he gave me the investigator name and number and told me to call him. So I did just that I left voicemails with no replies.He never got in contact with me at all. After this whole ordeal on XX/XX/XXXX, I went into the bank to close my account. with no resolution to my situation.
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

2nd Complaint on this same topic : Since 2011 I have held a Citi Bank Diamond Preferred Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion took {$1.00} from my checking account on XX/XX/2017 followed by {$19.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
Neither my husband or I could recall establishing an account with these people. 
It is possible after the XXXX scare they were used to see if our accounts had been compromised or may be it came from a loan application. 
Needless to say when I called to question the charges they initially would notn identify who they were, and what services they were providing. I also asked just were my call had been directed and expressed my feeling this was a scam or an attempt at identity theft. She still remained cryptic then they demanded my SSN which I refused then it went to just the last 4 numbers, then they wanted my credit card number charges had been made on. 
After a continuous run around while talking to her I XXXX   Transunion and found a site the appeared to be ligitament ... so I reluctantly gave her my SSN. This was the only way I could get the charges stopped ... My complaint is how can they charge me something I didn't want and put me vulnerable to financial/identity theft to get the charges stopped.
Consumer complaint received 2018-02-10
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: MARINER FINANCE, LLC (VA)

I was trying to a person loan and have applied for a pre-qualifed loan which doesn't effect on my credit score. However, " Mariner Finance '' has asked my information without consent and notification to customer.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX
Consumer complaint received 2018-02-10
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: Santander Consumer USA Holdings Inc. (CA)

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for loans and credit cards they even tried to steal my mail from my house, they applied XXXX XXXX twice separate dates, i haven't use my credit for more then 10 years because of this problem my life is ruined because of identity theft, please remove this 2 inquires from my credit report, even if it matches your information that doesn't mean i applied for it, thank you.
Consumer complaint received 2018-02-10
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: CAINE & WEINER COMPANY, INC. (FL)

I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I opened my account with US bank at XXXX XXXX XXXX XXXX XXXX, Ca XXXX on XX/XX/2018. When I opened the account I had XXXX XXXX oops me out of overdraft protection. Any transactions made and there was not enough money to cover the purchase in the account the transactions would be declined. Once the bank seen a had a direct deposit someone started manipulating the account causing overdraft fees. I made a cash deposit of {$76.00} using the ATM at this particular bank and the money has disappeared. The money has been missing unaccounted for-for 6 days as of today with no resolution.
Consumer complaint received 2018-02-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Toyota FInancial botched my lease return and then dinged my credit, sent threatening letters and after many hours on the phone, and back and forth - including filing a previous complaint here on CFPB finally acknowledged the car had been returned on time and all lease payments made. They retracted that credit organizations to restore my credit. 

They have decided to get 'even ' by sending a threatening letter demanding collection of excess wear and tear fees ( which were already deducted as part of my purchase of a new vehicle in price negotiations ) - instead of just billing me after the long drawn out process they sent it directly to debt collection! 

1. The letter sent misstates the date the car was returned : I returned the car before the lease was over on XX/XX/XXXX not XX/XX/XXXX as stated on their debt collection letter. 

2. There are disposition fees and taxes added - which are all superfluous and were never stated in our lease contract 3. The letter said to get a condition report of the vehicle to go to XXXX. XXXX said to contact the leasing organization. The interior of the car was in pristine condition when I turned it into the dealer. What happened to it between XX/XX/XXXX and XX/XX/XXXX I should not be responsible for. 

4. My {$22000.00} new car has ended up costing {$32000.00} because of all the superfluous fees and the mishandling of the lease return - how can I make a budget with all this rip-off going on!
Consumer complaint received 2018-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Late XX/XX/XXXX to early XX/XX/XXXX, I was receiving phone calls from Navient regarding that my payments for my student loans were now under delinquency. I had them under deferment period while I was getting my XXXX 's. Navient never once contacted me or my parents through mail, email or phone until after the bill was late by 90 days. I was never informed that my loan payments were due until I received a phone call telling me they were 90 days late. Because of this action on Navient I now have a delinquent account marked on my Credit Report that is inhibiting me from qualifying for loan repayment programs. I have contacted the company regarding the issue, and they are not helpful by any means. Ever since I was informed of my loans to Navient I have been paying over the minimum amount due monthly.
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Monday XX/XX/2018 XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from XXXX XXXX at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me
Consumer complaint received 2018-02-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Corporation of America (VA)

There are some serious issues with this doctor and her billing practices. My son was born with a XXXX XXXX and the hospital called her in to diagnose the XXXX they heard from his XXXX XXXX. The day that I got home from the hospital, her office calls me asking for my billing information. I declined giving this over the phone and instructed them to deal with the hospital to get this information. Why would you call a patient with a XXXX  XXXX  old baby who was just diagnosed the day before with a XXXX   XXXX XXXX XXXX? Months go by, the hospital has billed the insurance over $ 20-40K. So Im thinking all of this has been handled. Wrong. In the summer  of XX/XX/XXXX, letters begin coming from XXXX XXXX XXXX Office with a {$1500.00} bill. I call them to advise that we had insurance and gave all the information to them for the bill to be taken care of. The person who I spoke with advised that it would probably have to be written off, because they can not bill the insurance after 90 days. The whole time, they are thinking that we didnt have insurance. The office had already turned the account over to collections at that time. I called the collections company numerous times to be removed from the calls and mailers. Even did a two-way call with the insurance company and the collections company to no avail. Now, I have to go through the hassle, after my son had XXXX XXXX XXXX in XX/XX/XXXX, and a year later XXXX XXXX XXXX Office has turned this over to a new collections agency. Needless to say, Ill be writing to Virginias attorney general, the XXXX XXXX Virginia Hospital and the CFPB to advise them of these questionable business practices. A new collections agency called me in XX/XX/XXXXsupervisor who I spoke with was XXXX who was very rude. Three-way call with the XXXX XXXX XXXX XXXX who advised that XXXX Office never billed them. Additionally, XXXX lied and gave the office address to XXXX XXXX, instead of XXXX, to make it seem that we were out of network. I think their attempt to for us to pay this bill, which XXXX XXXX XXXX XXXX has recorded as {$1500.00} on the first call we had with them in XX/XX/XXXX, and now the bill has increased to over {$2000.00}.
Consumer complaint received 2024-11-20
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Premier Auto Credit (CA)

To Whom It May Concern, I am filing a complaint against premier Auto credit for failing to follow proper legal procedures during the repossession and subsequent sale of my vehicle. 


Vehicle information : XXXX XXXX XXXX XXXX XXXX # XXXX Loan Account Number : XXXX Repossession Date : XX/XX/XXXX Issues : XXXX. I was not provided with a Notice of Intent to Sell as required under California law ( California Civil Code Section XXXX ). 
2. I was not informed of my right to redeem the vehicle before the sale or provided details about the sale ( date, time, or location ). 
3. This has caused me financial and emotional distress. 

What I Am Requesting : 1. A full explanation of the repossession and sale process for my vehicle. 
2. Reimbursement of any losses if the lender violated my rights. 
3. A correction of any negative credit reporting caused by this repossession. 

Please investigate this matter promptly. I am happy to provide any additional information upon request. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX