davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7400.00}
Consumer complaint received 2019-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

My husband and I were recently victims of credit and identity fraud through a company that promised to help consolidate and reduce our student loans. I did open the account in question, but they only sent me a summary. I need an itemized list of purchases when they happened and what items were purchased to file a police report. Without the information necessary to file the report, they should not be able to affirm the total balance of this debt.
Consumer complaint received 2019-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MI)

I purchased the vehicle while attending college back in 2011. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years and still attending college I lost my job and was unable to regularly maintain paying my car note. I contacted the creditor and informed them of my situation and they were unconcerned to say the least. I was threatened with late payment and repossession. At XXXXne point my vehicle was physically taken but never repossessed. I payed the owing balance then unknowingly I was credited a second time as if I received a new car when I received the vehicle back. I've disputed the multiple lates and multiple Ally account created due to the misreporting of information. I am hoping to have the closed account to be totally removed from my credit history.
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

This is a personal Delta American Express charge card. I am a 30 year customer with American Express. I suddenly, without notice or warning have noted that " Charging Privileges Have Been Suspended ''. The card is current, with no money owed. This notice is only available online and I never received ANY written advice of this action. My account is not " paperless ''. At the phone number provided to call for information, after nearly an hour on the phone THREE TIMES, no explanation was ever provided and I was advised I " would be contacted '' to explain the ( lack of ) issue. I was never contacted. I had accumulated miles points on the card that I can not access and my charge privileges have been suspended. I am unable to obtain any information.
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Receivable Consultants Inc. (TX)

Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score. 
Date Reported : XX/XX/XXXX Collection Agency Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status Comments Medical ACCOUNTS REC CONSULTANTS XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} {$700.00} XX/XX/XXXX UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency Contact ACCOUNTS REC CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2019-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I sent {$500.00} to someone that I spoke with over the phone who ended up being a scam artist via the XXXX app through Wells Fargo. This was my first time using the online money transfer method, and I thought that because it was advertised within my banking app, that there would be an element of protection available. When the person who received my money stopped responding, I immediately placed a call to my bank to try and cancel the money transfer and submitted a claim the same day. When I submitted the claim, the agent said someone else would call me when my claim would be assigned to gather more information. No one contacted me. I received a letter in the mail saying that there was no error on the banks part and I would not be able to have any protection or refund for my transaction. It is very disappointing as a long time customer of Wells Fargo that the bank would promote an app that ( as I researched ) many scammers are now using. There is no warning of this on the site and I think there should be either a scammer warning, or these banks should partner with an app that has more financial protection ( like XXXX ). The false sense of protection that XXXX gives bank customers by being directly linked to the bank is detrimental- the scam artist even milked this sense of protection to me over the phone. Please let me know what further steps I can take to receive a refund and hopefully protect others from encountering the same scam as mine. Currently, I reopened my claim in hopes of a different outcome.
Consumer complaint received 2019-08-25
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. (LA)

I contacted all 3 bureaus several times in reference to a XXXX XXXX case on my file and they are still reporting it. It's not mine it's my sons
Consumer complaint received 2019-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (VA)

I received a letter from Phoenix Financial Services ( Debt Collection Agency ) on behalf of XXXX XXXX XXXX XXXX ( Debt Collection Agency ) dated XX/XX/XXXX for a workers comp balance billing in the amount of {$650.00}. Workers comp paid {$300.00} to the original creditor ( XXXX XXXX XXXX ) on XX/XX/XXXX. The amount that was paid to the original creditor was based off of a fee schedule. According to the statutes, I can not be held responsible if the workers comp carrier has not paid a bill in full even if the provider demands it. Further, if a healthcare provider has accepted partial payment from the workers comp insurance carrier, it can not send me a bill for the remaining amount of the medical bills. It is against the law and this form of practice is prohibited. Phoenix Financial knowingly reported false information to all three credit reporting agencies ( XXXX/XXXX/XXXX ) which has impacted my credit score exponentially. I am reaching out to you for assistance because I was not able to resolve this matter on my own. If all else fails, I will seek legal representation because my rights as a consumer have been violated.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MO)

I opened an account with BMO that came with a {$300.00} bonus if certain terms were met. I completed these terms ( as confirmed by company representatives, received 3 dates that the bonus was supposed to post by, and it still has not posted ). I no longer trust what the company representatives say, so this is my best resort. I've basically been lied to at least twice ( bonus will post by xx, it didn't ).
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

My first name is spelled wrong on my account with Experian and their credit reports. There's no way to change your name on the website and following the phone prompts when I've called in leads to me being disconnected and told to check the website for resolution.
Consumer complaint received 2019-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (CA)

I have previously contacted CFPB ref:XXXX-XXXX as of XX/XX/2019 the respondent has Sold the Debt to L J Ross Associates In. 

Reported By L J Ross Associates In XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/2019 Creditor Class Utilities Client Name XXXX XXXX XXXX XXXX Original Amount {$550.00} Again, Multiple Letters have been sent to XXXX, and their collection representatives now AT LEAST 5 times ( including over 30 phones calls in the last 2 years ). I am writing this letter in response to the information your company has placed on my credit reports.. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you, and not an invoice. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license number and Registered Agent Number If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sent Via USPS TRACKING XXXX ADDITIONALLY : I HAVE SPOKEN TO XXXX, REPRESENTATIVE OF XXXX ADMITTED VIA TELEPHONE CALL IN XXXX of 2019 THAT THE ACCOUNT USED IN QUESTION WAS A FRAUDULENT ACCOUNT AND WOULD BE CLOSED/BLOCKED/BAN. XXXX HAS BEEN PROVIDED WITH COPIES OF MY STATE ISSUED ID AND COPIES OF MY TAX RETURNS FOR THE YEAR IN QUESTION.
Consumer complaint received 2019-09-07
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: Marlette Funding, LLC (MA)

I checked my credit report on XXXX XXXX and found a hard inquiry on my XXXX credit report from Marlette XXXX XXXX that I did not recognize or authorize.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (MI)

I recently asked for copies of my statements dating back from 2016 because I was denied a credit increase as a result of late fees on my account. Upon review of my statements, I see that Wells Fargo continued to charge me late fees even when payments were received. Payments were made via phone, online or mailed in over the years, in some cases, twice a month. 

I am requesting fee returns of {$360.00}, {$220.00}, {$280.00} and {$36.00} respectively after reviewing my records and payment dates. With the issues Wells Fargo has encountered recently, I see this as another avenue they were defrauding clients. I will seek legal help to review my options as well.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (CO)

I have considerable funds on deposit at Navy Federal Credit Union including checking, savings and CDs. I submitted a line of credit application which had a maximum amount of {$15000.00} for my checking account, requesting an LOC amount of {$10000.00}. My credit score from XXXX is XXXX. My application was denied. When asked for a reason for denial, no reason was provided. Please require Navy Federal Credit Union to provide a complete explanation of their rational for their denial of this application.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My correct date of birth is not reporting on my credit reports XXXX Multiple addresses are reporting on credit report, that is not my correct date of birth XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Marvin S. C. Dang, LLC (HI)

I wrote to Law office of Marvin Dang, 2 times to ask for original bill that they claiming I owe, this is after they send to my work papers of garnishment?? Left several messages at XXXX XXXX for the same ( original bills ) no return calls or letter. Marvin Dang has stated in a letter that XXXX XXXX  is their client, however, XXXX XXXX is not involved and does not own the acct. since it been sold to Dang?? 

Also Dang office is charging me over {$1000.00} in fees, for garnishment that was not approved by the courts. If XXXX XXXX is his clients, let them pay his fees ...
Consumer complaint received 2019-08-25
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. (NC)

Information about balances and on time payments is not being recorded correctly or consistently between XXXX, Equifax and XXXX. All three say they only report what they are given. The Accounts say they give the same information to all agencies. The result is my credit reports and scores are not the same. This causes financial damage to me personally when I have paid my payments on time.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BUDGET CONTROL SERVICES, INC. (CO)

In XX/XX/XXXX I filed bankruptcy and had all accounts XXXX XXXX XXXX discharged. In XX/XX/XXXX I noticed that a former creditor Budget Control Services continues to post derogatory information regarding an account that was discharged in bankruptcy. I contacted all 3 credit reporting agencies and the XXXX XXXX XXXX. The creditor said they removed the information on XX/XX/XXXX. I verified my credit reports on XX/XX/XXXX and the information had been removed. I pulled a credit report on XX/XX/XXXX and saw that they proceeded to report the negative information immediately after agreeing not to on XX/XX/XXXX.
Consumer complaint received 2019-08-25
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: First Federal Credit Control, Inc. (FL)

I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. account : 1. XXXX XXXX XXXX XXXX   {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX
Consumer complaint received 2019-10-14
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. (DC)

On or about XX/XX/XXXX, agents of Equifax received an Affidavit of forged endorsements, an FTC identity theft report, an IRS identity theft affidavit, and a USP ID theft report pursuant to the FCRA 605 B. ( USPS tracking # XXXX   XXXX XXXX XXXX XXXX ) The fraudulent account ( s ) outlined in herein were in fact deleted from my consumer report. On or about XXXX XXXX XXXX, I was  informed that my information was impacted by the Equifax Data Breach. Soon after I filed a claim of injury under the data breach  and re-submitted the documentation through the online porthole. Upon information and belief, the fraudulent activity on the accounts was due to the data breach. ( Ref # XXXX ) On or about XX/XX/XXXX, I received a consumer report from Equifax stating the account ( s ) were reinserted to my credit file. ( Confirmation # XXXX ) Upon information and belief agents of Equifax willfully, knowingly and spitefully reinserted account # XXXX to my consumer file due to my complaint through the data breach porthole.
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

While employed with XXXX XXXX XXXX, I had some lab tests completed at XXXX XXXX. My employer provided medical insurance and laboratory tests were a covered without a co-pay. XXXX XXXX has placed my debt in collections although the debt was paid through insurance. I have attempted to resolve this issue several ways, including talking to both the insurance company and providing XXXX with a contact person, patient number, etc. XXXX refuses to remove the debt from my credit report.
Consumer complaint received 2019-08-26
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. (FL)

I submitted a dispute for two credit cards showing charged off on my credit history. XXXX XXXX XXXX  claims I owe them {$400.00}, my original credit line {$400.00} and they are showing a charge amount of {$400.00} and charged off the account after only reporting one ( 1 ) 30 day late payment. The account shows being open in XX/XX/XXXX and current for XX/XX/XXXX and XX/XX/XXXX, 30 days late in XX/XX/XXXX and then charged off in XX/XX/XXXX. This is inaccurate. I contacted XXXX XXXX XXXX  and requesting copies of all documentation regarding my account and the sent me a letter stating they are not obligated to give me the information which is a violation of my FCRA rights. 

My second account with XXXX XXXX XXXX XXXX, they state that they, charged off an account in my name for {$250.00}. I originally disputed this balance on XX/XX/XXXX and requested documentation to prove or validate this account. By law, if an creditor doesn't respond within 30 days, this account should be deleted from my credit report. Also the account was charged off in XX/XX/XXXX and in my state of Florida, a creditor may only attempt to collect a debt for up to four years. So this is past the statue of limitations and all collections should cease and be removed from my credit report.
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (AZ)

XXXX XXXX delivered 2 stacks of papers last month to my home that were stapled together and not enclosed in an envelope. My kid answered the door and the person asked him 1. If I lived at this address and 2. If I was married. My kids dad passed away 21 months ago, so I felt this was a very inconsiderate question. Asking my kid if I was married is just downright creepy. Delivering legal documents not enclosed in an envelope made my entire family aware of my financial troubles and violated my privacy, because other people were in my home at the time of delivery. In XX/XX/2018 XXXX XXXX called me and threatened to take my home and I told them I already had a lien on my home and I could pay them {$50.00} per month and they said that wasn't enough. On the same call I told XXXX XXXX to stop calling me two to three times a day almost every day and to stop calling me in the middle of the night, because I got a too many calls from them between XXXX XXXX and XXXX XXXX. After that the night time calls stopped but the day time calls increased from one or two every few days to 2-3 a day, sometimes two days in a row.