davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

U.S. Department of Education has been furnishing personal transactions to consumer agencies since XXXX. Money purchase loan one is {$3900.00} and Money purchase loan two is {$3400.00}. Account has been closed and sold to a collection agency who reopened and inserted late payments and started account over again. This is the first action taken. 
This is in violation of both the Family Educational Act of 1974 and the Privacy Act of 1974. 

45 CFR 1800.9 Disclosure of record to a person other than the individual to whom the record pertains.

The Foundation WILL NOT disclose a record to any individual other than to the individual to whom the record pertains without receiving the PRIOR WRITTEN CONSENT of the individual to whom the record pertains.

These entities knowingly violate their agreements with malice.

This is my notice to opt out as I was never given the opportunity to.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I am writing your office because the OCC referred me to your office for assistance. 
I initially wrote the OCC in XXXX XXXX  XXXX. 
Our late mother XXXX XXXX XXXX received a response correspondence from Wells Fargo Bank N.A. subsidiary XXXX XXXX XXXX XXXX XXXX, in which the said bank 's general counsel informed our mother the bank did not own her railroad property and only had a lien on said property.

Upon independent investigation it has been verified said bank has unlawfully collecting revenues generated from the unlawful use of our family 's property and treating said revenues as ordinary income from time immemorial and refuses to give an accounting of the revenue stream nor provide quarterly statement to me in my position as trustee and pursuant to 11 United States Code Section 543 Turnover of Property by a custodian. 

Wells Fargo held unlawful lien on said property for over 35-years long after the bank was paid through a bankruptcy trustee in the XXXX XXXX XXXX  Florida. 
The bank is continuing to use the property and collect revenues unlawfully without our consent nor authorization and is a " Trustee In invitum. '' On XX/XX/XXXX I filed a complaint with the Federal Reserve Board in Washington D.CXXXX, against Wells Fargo Bank N.AXXXX, also on XX/XX/XXXX the Federal Reserve Board froze the bank 's balance sheet. Subsequently, Wells Fargo Bank instructed its personnel to file a release of mortgage. 
To date the bank has yet to account for the revenue stream. 

The revenue exceeds $ XXXX dollars and pursuant to 12 CFR section 9.10 ( b ) the bank is required to set aside collateral to secure revenue which exceed FDIC insurance. 
Thanks in advance for any help. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (LA)

Between XX/XX/23 and XX/XX/23, I have received at least XXXX calls from XXXX attempting to discuss a " business issue '' involving XXXX and attempting to have me verify personal information. Based on the background noise, the call originates from a call center and the callers have an XXXX or XXXX accent. I have refused to provide them information and blocked the number. More recently, however, I received a correspondence from " Credence '' ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX ), dated XX/XX/23 attempting to collect a {$41.00} debt on behalf of XXXX. 

On XX/XX/23 ( XXXXXXXX XXXX ), I called XXXX ( XXXX ) and confirmed with the XXXX that my account with them had been closed effective XX/XX/23 and that the final payment for my account was received on XX/XX/23 for {$31.00}. She further confirmed there was no past due amount on my account and that they had not contracted with " Credence '' to collect a debt from me, nor had XXXX had sold a debt to " Credence '' that I previously owed them. She further confirmed the account number shown on the correspondence from " Credence '' was not the account number for my previously closed account. 

Following my call with XXXX, I reached out to Credence ( XXXX XXXX ) at the number listed on the correspondence received. The recorded message advised the offices were not open and that their hours of operation were from XXXX XXXX XXXX XXXX XXXX XXXX  I called back during those hours and the XXXX had the same XXXX or XXXX  accent and sounded to be in a similar call center. She immediately began trying to verify personal information. I provided her the " Credence Reference '' number from the letter and advised that if she was legitimate, she would be able to obtain any needed information on her own. When she was unable to do so, I advised her that I believed they were scam callers based out of either XXXX or XXXX and requested my name and number be removed from their database. 

The State of Louisiana 's office of motor vehicles recently advised residents of a data breach and have provided XXXX subscriptions. I have taken advantage of the subscription as of XX/XX/23. 

Thank you for any assistance you can provide.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Because of the data breach at Equifax, and after confirming on their website that both my credit information, as well as my wife 's, may have been compromised, I submitted a 90 day fraud alert and then attempted to obtain my free credit report based upon my fraud report submission. The Equifax web site will not allow me or my wife to obtain our free credit reports without our accepting binding legal arbitration for any and all complaints against Equifax. When we decline to accept their online terms, we are prevented from submitting our requests for our free credit reports. We believe that this is a violation of federal credit laws, since it was the breach of their computers that jeopardized our credit information.
Consumer complaint received 2022-02-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Student Services (CA)

Please refer to my prior complaint : XXXX My loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX at one point. Initially, I complained and they claimed they could " neither confirm nor deny '' that I had any loans with them. Finally, after several phone calls they were able to give me a phone number to the new student loan servicer which is XXXX XXXX, XXXX. 

I was able to contact someone there and they said that they were now servicing the loan and that it would take time for them to input my data into their system. I provided them with my updated information and they said that for now, I should pay my student loans by telephone. I have been making monthly payments over the phone in the amount of {$700.00} since XX/XX/2021. I have not received a statement nor is it clear if they even have information on the original loan. At this point, I'm not even sure if the loan is valid and I'm simply paying because they simply think I'll continue to pay without question. We've asked for login information and gotten nothing. Now, six month later I'm still paying telephonically and there's no way for me to track who actually has my loan.
Consumer complaint received 2023-07-26
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (PR)

On XX/XX/XXXX i made a order on XXXX, XXXX # XXXX Order total {$87.00} ( XXXX items ), they Charged me XXXX  times for the same order. I summit q claim to my bank and XXXX and a receive XXXX payments totaling {$260.00}. Now they sent that amount to a collection agency charging me the XXXX payments with reference number XXXX for {$87.00} XXXX for {$87.00} XXXX for {$87.00} The name of the agency is XXXX XXXX with the agency are very difficult and everything must be solve online, the put on hold my XXXX account affecting my ability to purchase stuff that i only buy on XXXX. 

I called multiple times to XXXX and they told me that the only thing they can do is filling a form and contact me XXXX to XXXX later. 

I work in a financial institution and i cant have debts in collections.
Consumer complaint received 2022-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (GA)

On XXXX. XXXX, XXXX, I opened an account with GM Financial for a car loan. The payments became past due and I received a notice from a representative that the account was placed for repossession on XX/XX/XXXX. GM Financial violated federal law by repossessing and selling the vehicle associated with this account. GM financial also violated additional federal laws detailed in the attached letter. 

Since that date, GM Financial sold the vehicle. I did not receive the following : Notice of Default and Right of Redemption/Right of Reinstatement ; Notice of Sale GM Financial has violated several of my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I was scammed out of {$1700.00}. The bank denied my claim saying I had previous transaction with the merchant and transaction after the scam. When I called about this issue they realize that I didnt have transactions with this merchant but they still took out the XXXX out of my account now my account is overdrawn and theyre saying I have to re-open a claim. In the meantime, my account is overdrawn XXXX because of the little bit of money I had in the account.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1. XXXX XXXX XXXX is reporting to XXXX XXXX and the three major credit bureaus such a Transunion XXXX and XXXX that my closed first premier card as open with a XXXX credit limit. This is inaccurate and fraudulent. I don't have this card and it paid in full with O balance. 
2. XXXX XXXX is reporting the XXXX XXXX  card muliple/duplicates of the card must be deleted.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (NV)

I apparently had a balance on a medical service that I recieved from  XXXX   XXXX  Hospital. I had paid the up front deductible at time of service. I never received a bill or notification of a balance owed not covered by my medical insurance. I only discovered this myself because I have  XXXX   XXXX  on my smart phone. I 'm in the process of refinancing my home. I found a derogatory mark on my credit. I called  Professional Finance Company.  Right away they said this was an attempt to collect a debit. I ask was debit they said it was from  XXXX   XXXX  Hospital but could not tell me what the charges were for. I had to contact them myself. Which I did it was like pulling teeth. They said since it had gone to collections it would take some time to find out what it was for. many days later I found out what it was for and I called the  Professional Finance Company to  pay this debit and I was told it had already gone to the courts and I was already served. I had never received anything from the Collector, Courts or Hospital in regards to my debit. Not only was I change my original balance, interest and court fees. How is it possible for them to hurt my credit but also my creditability in my town. Without any notice. I did all the work. They can just SAY they sent me notifications and that proof enough?
Consumer complaint received 2022-02-13
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. (GA)

My name is CXXXX XXXX. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly ? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA  you are required to ...promptly DELETE all information which cannot be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a dispute on XX/XX/2023 and didn't receive a response until XX/XX/2023. Which is illegal and violate the credit reporting laws and acts establish. You will remove all mentioned accounts bleow or legal action will be taken to the furthest extent of the law. 15 U.S.C. 1681 states that you must reply and respond within 30 days of received dispute ( s ) and you have clearly blatantly ignored and violated my requests. Ive attached the letters i sent to your bureau!! This is my final response to you which is giving you a chance to cure my inaccurate credit reports. This is what i wrote to you on XX/XX/2023 I Am A natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Account name : XXXX XXXX XXXX XXXX NUMBER XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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: JPMORGAN CHASE & CO. (AZ)

I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by JPMCB CARD ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in XXXX XXXX XXXX, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

Resurgent Acquisitions denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called Resurgent and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call XXXX  at XXXX, whom XXXX referred me to XXXX XXXX XXXX at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX.
Consumer complaint received 2022-02-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (IN)

This company has been reporting to the credit bureaus twice a month every month and they have added almost {$6000.00} of interest on to an original amount. I first reached out to them back in XXXX of 2021 and ask them nicely to send proof of the debt and the original contracts, and then reach out to them again a second time a month later because I hadn't received the paperwork. I was told that they were working on it. Two separate times a month apart they have refused quietly to give me my information. XX/XX/XXXX I hired a lawyer to force them to give me the paperwork and they have yet to correspond to even that much, I have also disputed the debt the other credit bureaus and I have not received anything on that either. On my XXXX report they have removed the debt collection and then re-add it it a few days later. They were instructed not to continue to report by the lawyer and continue to do so. I asked them for the original contract and they told me that the original contract stated that they could continue to add interest every single month but would not give me an itemized deduction sheet as to where that came from. They also told me that they have the paperwork ready to sue me in court, and informed me that they would be ready to do so very soon.
Consumer complaint received 2023-07-10
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. (NJ)

XXXX XXXX XXXX has a Collection on my report does not belong to me. It belongs to a relative with similar name. Ive reached out tot he company with not response. Experian claims the company verified but neglected so submit documentation to me to show that documents they used to verify me. 

Please remove this collection from my report Thanks
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Capital One pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and Capital One reported late payments to the credit bureaus for each of the months the service did not make the payment. Capital One has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. Capital One assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.