davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

I am writing to formally dispute information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 609.

Upon reviewing my credit report, I discovered the following accounts, which I believe to be inaccurate and not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Remove me from any authorized user accounts These accounts are not mine, and I am requesting that you provide me with a detailed validation of these accounts, including all documents that were used to verify the accuracy of this information, such as signed agreements or contracts. I understand that you are required to investigate this matter and, if these accounts can not be verified, they must be removed from my credit report. 

XXXX : XX/XX/year> LAST 4 SSN : XXXX Please remove these accounts if you can not provide sufficient evidence that they belong to me. I request that the results of your investigation be sent to me in writing at the above address.
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America- XX/XX/2018- Check Fraud Dear Dispute Center In the month of XX/XX/XXXX I was actively looking for employment through various outlets indeed, XXXX, XXXX, and ect. In the month of XX/XX/XXXX I finally received a text from an employer regarding a posting position for a real estate firm. Attached to this letter you will see the following information. I posted different properties onto XXXX, XXXX XXXX, and a few ads. In order for me to receive payment the employer requested my address and other information to process a check. Once I sent him the information he supplied me with a tracking number to receive my funds. Once the check arrived I contacted the bank that the check was made out to XXXX XXXX XXXX bank over 20x. Attached to this letter you will see the highlighted contact number of XXXX XXXX XXXX bank on my phone records. I have contacted both the local branch here in XXXX XXXX, NV { ( XXXX ) XXXX attached to this letter is also a print out of the XXXX XXXX XXXX XXXX XXXX branch contact number }. After contacting the branch a representative supplied me with the check verification line number at ( XXXX ) XXXX which I contacted over 20x and each time I was told that the funds were there and available. After getting the verification from the check verification line I even went into the branch located on XXXX and XXXX in XXXX XXXX, NV with both the envelope that the check came in and the check and told the clerk the situation. She told me not to worry about it and proceeded to deposit the check. 

Best, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX my Wells Fargo checking account was hacked and somebody paid XXXX dollars bill to another bank. The problem is that On my checking account I just had XXXX dollars and WF allowed overdraft from my Wells Fargo credit card that was XXXX dollars. I went to a bank branch and opened a claim ( XXXX ). In 10 days Wells Fargo denied my claim and said that I did that myself. I went to a branch again and opened another claim ( XXXX ) on XXXX XXXX Now I am waiting for the Wells Fargo response . 
However, Wells Fargo sent me a credit account t statement and want me to pay fees and interest. I am not guilty that somebody stole my money and that Wells Fargo allowed such a huge overdraft. Could you please help me. 
I want to report this incident to press and give an interview about how Wells Fargo treats its customers. 
Thank you so much for your understanding.
Consumer complaint received 2019-11-15
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)

FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (CA)

Trident asset management is charging me XXXX $ that does not being me and it keeping me front get a apartment & homeless it need it removed I was a victim of identity theft & I have a police report XXXX XXXX XXXX is charging me XXXX for dental work I didnt receive went for a cancellation and they are killing my report XXXX $ XXXX XXXX is charging me XXXX For jewelry I never had I was a victim of identity theft this is so wrong
Consumer complaint received 2018-07-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (IL)

I have a online payday installment loan with Big Picture loan for {$1300.00}. I have an 398 % interest rate. I was told there would be {$180.00} finance charge but I wasn't old that it would be per payment and that I would end up paying thousands in interest. I tried to go looking at my document but the only ones that I can see are the payment schedule and how little my payment is going to the principal. The loan scheduled payments goes for 12 months. I clicked on the pay in full button after paying on my loan since XX/XX/XXXX and my payoff is larger than my loan amount {$1300.00}.

I am unable to make my payment due to medical bills.
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I rented an apartment at the XXXX XXXX XXXX XXXX complex located in XXXX XXXX, California. At the end of my leasing they charged me an amount of {$1700.00} for daily rent, carpete replacement, and cleaning. I paid this amount and have the prove. Once I moved out of this apartment complex I left the county for a few months. Once I returned I start to get daly calls from a collection agency called IQ Data International asking me to pay the amount I already paid. I told them the debit was paid over and over and they kept calling me and treating me. One year later I received a credit scor notification that it was significant lower due this debit. Once I saw that info I contacted the collection agency and they hangoff the phone oh my face after mistreating me. I called again to get the details of my debt they reused to provide. Then I called again and finally spoke with someone who was able to comfirm that the the checks they were looking for were paid to XXXX XXXX  XXXX   XXXX. They asked me to mail them with a letter asking to dispute the charge. But after or this discrepancy Had my credit score from XXXX to XXXX for a debit that has been paid since a year ago. Please let me know if I can sue either the apartment complex or the collection company. 

I look toward to hearing from you soon Thank you
Consumer complaint received 2019-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Larry H. Miller Group of Companies (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX Nothing is showing and I cant get another car. 

Rally Motor Credit Account XXXX XXXX XXXX Specialized Account Manager XXXX XXXX XXXX , XXXX. 
A Larry H. Miller Company [ T ] XXXX [ F ] XXXX XXXX I hope you can help me. 
If need anymore info Please let me know.
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I walked into Citizens Bank on XX/XX/2019 at XXXX  hrs and paid my credit card bill in full with the teller. XX/XX/XXXX I logged into my account and they charged me a {$28.00} late fee!
Consumer complaint received 2019-11-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

On multiple occasions starting in 2017, Navient would call me offering options when I couldn't pay. When I spoke to them they would only offer Forbearance. Which I took, because I didn't know what else I could do. I now know that this would increases the money I owe over time. Most recently was last week over the phone. 
I also recently called to try to get a lower monthly payment, which is the reason I wasn't paying. I was immediately put on forbearance and then the estimate for repayment was about $ XXXX month. They just resent a new rate, without my consent or application for {$810.00} which will be crippling. ( Email on XX/XX/XXXX ). It states my payment is due on XX/XX/XXXX. But in my account it says a payment is due XX/XX/XXXX. Overall I find the site hard to determine what is real. 
Over the last 5 years Navient has tacked on extra $ - from {$23000.00} to XXXX and respectively from {$48000.00} to {$67000.00}.
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account was paid in full at the closing of the sale of my home in XXXX 2016. The proceeds were deducted from the sale and delivered to Capital One Bank via the title company attorney that closed the sale. Please review the attached HUD at the foot of page ( XXXX ) were it is stated that a total of {$4900.00} was withheld and further communications with my attorney confirms that the funds were sent and my account balance is now XXXX but this account is still showing as a judgment on my credit files.
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

on Monday XX/XX/2018 I call my bank and put a stop payment on check # XXXX for {$2800.00} to XXXX XXXX the stop payment successful and money was return to my acct. on XX/XX/2018 XXXX XXXX was able to walk into the Chase bank and cash check # XXXX the XXXX was withdraw from my checking acct at the branch in XXXX XXXX .mi the bank had withdraw {$30.00} fee. now that tell me they are sorry but there is nothing they can do and credit my acct {$30.00} fee there is nothing they can do fore me that I need to take it up with the branch.i have a clams number that I file # XXXX clams dept.
Consumer complaint received 2024-10-18
Product: Credit reporting 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2018-07-13
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. (TX)

I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like Trans Union, XXXX  and XXXX are reporting things against me they can not substantiate. 
What can I do?
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

XXXX XXXX ( XXXX ) ( XXXX This CFPB complaint had been filled to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX acct ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (CA)

I have a random collect call collection on my account. there is no information anywhere on this and i dont accept collect calls. this is a random act of false information on credit reports trying to attempt collect a debt i do not owe.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/XXXX, I received a call from phone number ( XXXX ) XXXX, and spoke with an individual who stated that they were calling from a collections agency, Transworld Systems Incorporated, in regards to a XXXX account. However, the caller insisted that he could not tell me any further information unless I provided him with my address or social security number. After refusing to provide such information, the call ended. 

Later that day, I called XXXX directly, and they stated that I allegedly owed their company money but that, because the account was in collections, I was only able to communicate with the collections agency directly regarding the alleged debt. 

On XX/XX/XXXX, I called back the same number, ( XXXX ) XXXX. Again, I was told that I was speaking with a collections company and that if I wanted any further information, I needed to provide them with my address or social security number. Against my better judgment, I provided them with my social security number. 

At that point, I was then told that I was speaking with XXXX XXXX from Transworld regarding account number XXXX. XXXX XXXX stated that I owed XXXX approximately {$400.00} and he was calling to collect said money. I insisted that I was not aware of such a debt and requested that he provide me with documentation of said debt. XXXX XXXX stated that the only information he had was the name of the company to whom the money was allegedly owed, the dollar amount, and the service period. However, he was unable to provide me with any documents that corroborated the debt. He stated that I should call him back on XX/XX/XXXX, so he could retrieve documents from XXXX. 

On XX/XX/XXXX, I again called Transworld and spoke with XXXX XXXX. He repeated that his company could not provide me with any documents regarding the debt and, interestingly, that his company was no longer willing to accept money from me because they could neither confirm nor deny that I owed XXXX money. He again stated that the only information that Transworld had was the name of the company to whom the money was allegedly owed, the dollar amount, and the service period. I recorded this phone call. 

On XX/XX/XXXX, I received a call from Transworld stating that they no longer had my account from XXXX and would seize their collections efforts. 

I never received any documents of any kind from Transworld regarding the alleged debt.
Consumer complaint received 2018-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MA)

Ability Recovery Services is attempting to collect a fraudulent debt and reporting illegally on my credit report. In XX/XX/XXXX I sent, via certified mail, a 93A Demand Notice requesting validation of debt and informing Ability of their illegal reporting. They failed to reply. In XX/XX/XXXX I sent a second 93A Demand, via certified mail. They failed to reply however they did remove their listing from my credit reports. In XX/XX/XXXX I sent a third request for validation of debt. They failed to reply. 
In XX/XX/XXXX Ability fabricated the same account, claiming it was a new account, then again reported to the bureaus. They failed to provide me with my rights under federal and state law. They also added this " new '' fabricated account illegally to the bureaus in violation of federal and state law.
Consumer complaint received 2015-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (OR)

My sister provided Hyundai Motor Finance my phone # while hers was not working. I received a call from their XXXX number and when advised my sister was not available and asked who was calling. Female declined to identify herself or her company. I advised that the cell phone being called belongs to me and they no longer have my permission to dial my number manually or via their automated dialer. Female then hung up on me. My sister took care of the past due payment ( was just an oversight ) and we assumed everything was good. payment rec by HMF on XXXX/XXXX/15. On XXXX/XXXX/15 I recevied another call from HMF. I had my sister call back and they advised her account current and no record of call. Advised could furnish proof of call and requested again that they no longer call me.Rep said nothing he can do. Sister requested supervisor who told her the only way they would guarantee no calls to my phone is if she revokes her permission for ANY phone contact. My sister said she still wants to be contacted, just not at my phone number. Supervisor said nothing he can do. Also said that there were no automated calls out and that the only way she would have been dialed after she revoked permission, would be a manual dial. I called back in and advised that it is my cell and I revoke authorization, that they absolutely were not to manually/auto call my number any further. Ultimately they were calling out to an unauthorized party about a current account ... manually. Intentional harrassment. I received another call today from the XXXX number and a 28 second long dead air voicemail. Sister called back in and of course they had no record of call and were unhelpful again. I called back in, they said i had to get in touch with consumer affair department and because I 'm not a customer, just an innocent third party that they are harrassing that I would have to communicate with them via mail. Finally agreed to send me over via phone so solution could be expedited, but they kept just transferring me back to customer service. Eventually male rep told me that there was nothing I could do about the phone calls.