davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (FL)

I HAVE REACHED OUT TO THIS COMPANY ADVISING THEM THIS IS NOT MY ACCOUNT SOMEONE IS USING MY IDENTITY AND TO REMOVE FROM MY ACCOUNT. THE COMPANY HAS YET TO SENT ME ORIGINAL CONTRACTS WITH MY SIGNATURE ON IT AND OTHER SUPPORTING DOCUMENTS THIS IS HURTING MY CREDIT.
Consumer complaint received 2024-08-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FORD MOTOR CREDIT CO. (CA)

I received a wage garnishment document from my employer from a debt collector that has been apparently selling an account behind my back over and over for XXXX XXXX  without my knowledge. I was never served or made aware of these court filings that were taking place for XXXX XXXX I had no knowledge of this account due to the fact that it is XXXX XXXX XXXX XXXX  There was never a judgment on my credit from XXXX  like the garnishment states nor was the account ever on my credit as a repossessed vehicle. I do not owe anyone {$65000.00}. Ive never purchased a vehicle that expensive before. I am a single mother of two children with no family or help and can not afford a wage garnishment. I pay XXXX XXXX of all expenses for three people on a very minimum salary. The statue of limitation is almost run out on this account TWICE based on California State laws. Im not even sure why Im receiving this garnishment or if it is even legal for creditors to constantly sell a XXXX XXXX XXXX account over and over and for them to try to garnish your wages after two decades in California. I am disputing this very old debt claim and the amount is absolutely outrageous for a account that is over XXXX XXXX I was never made aware of these proceedings. I had to reach out to the company on the letter from my employer they never reached out to me about this.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (OH)

The amount of interest collected on the loan is oppressive, and I am unable to make progress paying off the principal. Due to information recently learned, I believe the loan interest and fees are illegal in Ohio, as the rate should be capped at 25 percent. This is not a mortgage lender.
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On or about XX/XX/XXXX, I made a police report XXXX XXXX XXXX XXXX, with XXXX XXXX XX/XX/XXXX, XXXX XXXX, to report XXXX XXXX, XXXX : XX/XX/XXXX, who came to my home to make a few repairs. XXXX XXXX stole several items inside my home, including, material to complete the repairs, brushes, primer, spatulas and an array of other items, and, my Home Depot credit card, # XXXX XXXX XXXX XXXX, from my purse, which was on the mantle. I made a police report regarding the missing items. On or about XX/XX/XXXX, XXXX XXXX XXXX line contacted me at XXXX, to report declined charges of {$1400.00} and another large amount ( {$1000.00} ), which XXXX XXXX considered fraudulent charges on my Home Depot Credit card. In addition, XXXX XXXX allowed several smaller charges and inquired as to whether I made all of the charges on XX/XX/XXXX and XX/XX/XXXX. I informed XXXX XXXX XXXX that I did not make the charges in question and did not authorize the charges, including : on XX/XX/XXXX for {$390.00} ; XX/XX/XXXX, for {$570.00} ; {$330.00} and {$67.00} ; XX/XX/XXXX, for {$520.00} and {$29.00} ; for a total of XXXX XXXX, within a XXXX day period. Activity that is inconsistent with my spending activity. I denied making the unauthorized charges to my XXXX XXXX credit card. XXXX XXXX conducted their investigation, without contacting me to get my input, and seemingly made general assumptions about the charges and attributed the charges as my responsibility, despite my denial. On XX/XX/XXXX, XXXX XXXX sent me correspondence to notify me that they concluded the charges were my responsibility. On XX/XX/XXXX, I contacted XXXX XXXX XXXX unit to dispute XXXX XXXX findings and the fraudulent charges, XXXX XXXX has re-billed my account
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC (MS)

Based on, 15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice I LOOK FORWARD TO YOUR RESPONSE. 

RESOLUTION Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your communications with me. Please note that statements alone are not sufficient evidence of a debt, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : The name and address of the original creditor ( XXXX XXXX XXXX. ). 
A detailed explanation of the debt, including the amount owed and the date the debt was incurred. 
Copies of any contracts or agreements that substantiate the debt. 
A complete payment history showing how the amount was calculated. 
Documentation that verifies you are legally authorized to collect this debt. 
Until I receive the requested documentation, I consider this alleged debt to be disputed. 

Additionally, this letter serves as a formal notice to cease and desist all forms of communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, emails, letters, and any form of electronic communication. Furthermore, this cease and desist order extends to the reporting of this alleged debt to any consumer reporting agencies. Any continued reporting of this disputed debt will be considered a violation of my rights and will be pursued accordingly. 

Please be aware that failure to comply with this notice and continued XXXX  may result in legal action against your agency. Should I choose to litigate for XXXX XXXX XXXX, the costs will be itemized as follows : Attorney Fees : {$500.00} per hour Court Filing Fees : {$400.00} Damages for XXXX XXXX  : {$5000.00} Statutory Damages under FDCPA : {$1000.00} per violation Lost Wages due to Court Appearances : {$200.00} per day Other Costs ( e.g., travel, documentation ) : To be determined By choosing to disregard this notice, your agency will be subject to these costs, which I will seek in full through the appropriate legal channels. 

Thank you for your prompt attention to this matter. I expect a full and complete response within 30 days of receipt of this letter. Please send all correspondence regarding this matter to my address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (CO)

In accordance with the fair credit reporting act ( XXXX XXXX  ) ( account # ) XXXX, has violated my rights 15 USC 6802 which states a company can not furnish an account without my written permission, they did not have my permission to report an account. 15 Usc 1681b, 18 USC 10282A being they sold my information to a credit without my permission.
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have noticed many incorrect and inaccurate accounts as well as unauthorized inquiries which I have no direct engagement with appeared in my credit report. I have already sent a proper documentation for these items to the bureaus and they did not removed them.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have been sued due to a credit card company. 
I am basically an indigent at this time. I had no problems until a car accident in XX/XX/XXXX. I was not a driver, only a passenger. It is currently under litigation, after Ive had XXXX XXXX and lots of constant medical care. I am currently XXXX, and have received XXXX  temporary XXXX two or three times, and received some monies. Ive lived off of loans from my lawsuits, in addition to the initial accident, Ive had 2 others, neither of which legally were my fault. All my cards went into default. I had and have no income, nor assets. I have a financed vehicle and an apartment. I own nothing, other then XXXX worth of interest and old low limit credit cards ranging from {$300.00} to XXXX XXXX. I survived off of them and maintained payments as long as I could. Ive attempted to work when absolutely necessary, however, Im still XXXX XXXX. I had a serious XXXX on XX/XX/XXXX, and a less serious on in XX/XX/XXXX. Also, many XXXX XXXX XXXX XXXXXXXX for XXXX XXXX 
I am suing the people responsible for the accidents, and have XXXX claims moving forward. Ive received loans on the claims. But, a small sum of money for a much larger return. Upwards of $ XXXX for only XXXX. I am in the end stages in one XXXX, and middle with others. I am now being threatened by numerous agencies, not only IRS, but now my utilities and debtors. I am broke. My accounts are all in the negative. I have NO cash assets. No nothing. I cant defend myself and Im XXXX and XXXX XXXX. Im anxious constantly and also, due to my severe XXXX  concerns, I struggle to comprehend everything. Id probably die best to claim bankruptcy. But, Ive tried and been unsuccessful. I have also applied for XXXX, and am in the process of that, and its been about XXXX  months since I applied. I need assistance. I dont want to end up homeless.
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/year> I purchased a dress from XXXX XXXX XXXX and it arrived 3 days later. I tried on the dress in my closet and it was way too long on me so I took it off and put it back in the plastic bag packaging and into the box and sent it back to XXXX to return it, within days. The dress had been tried on for less than one minute in my closet and is unused, unworn, new with tags, and in perfect condition. XXXX received the dress in the shipping center and sent the dress back to me with a note that said the item had been worn and is unreturnable. I called XXXX to dispute this and they said the decision by their shipping center is final and nothing can be done about it and the unworn, new with tags, in perfect condition item could not be returned. They said no one else can help me. I then contacted American Express about the issue and completed all the required information to have them dispute the charge with XXXX on my behalf. American Express sent me a letter dated XX/XX/year> that they contacted the vendor and they can not reverse the charge due to goods not received. American Express has not protected me as they claim to protect all their customers. It is evident they did not fairly evaluate this dispute and merely sent me a response without doing any due diligence on this matter. I have been robbed of {$860.00} from this retailer and American Express is simply taking a canned response from XXXX over the truth instead of protecting their customer. American Express continuously claims they protect their customers from erroneous charges, but in this case they are not standing by their words.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (LA)

The account CARMAX, is currently being reported INACCURATELY by the creditor. The vehicle attached to this account was repossessed on XX/XX/year>, between the hours of XXXX. However, the creditor 's reporting of the account for the months of XXXX & XXXX, show " CHARGE-OFF '' as the account status. This is grossly INACCURATE. A " CHARGE-OFF '' implies that the vehicle has not been recovered, which is incorrect in this situation. Due to this INACCURATE reporting, which violates my consumer rights, I am requesting the account be removed from ANY & ALL consumer reports.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (AL)

There is no longer an amount listed on the account because the account was paid in full last year ( XXXX ). The account was closed and the creditor agreed to remove the account from all three credit bureaus once it was paid. They agreed to a pay for deletion. This company did not do as they said and will not remove this paid off account from my credit report and it is ruining it. This company is ( DISCOVER ).
Consumer complaint received 2024-08-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I had a previous debt with XXXX XXXX XXXX of {$1000.00}. That debt has been paid for more than 4 years and this debt still shows in my credit report.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IA)

LexisNexis Risk Solutions Consumer Center XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 
The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CNG FINANCIAL CORPORATION (MI)

I applied for a loan with Xact. They did a soft credit pull and it was never an inquiry on my credit report. I paid the loan in full months early and as soon as I did that they put two inquires on my credit report. One in XXXX of XXXX when the loan was issued and one in XXXX of XXXX when I paid the loan off. Why would they do a hard pull when you paid it off?
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (AZ)

I noticed XXXX separate fraudulent accounts appearing on my consumer FICO credit report with XXXX which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at on XX/XX/year> under the account number, amount of XXXX  XXXXand credit card opened credit card company on XXXX XXXX, under the account number with the amount of {$3500.00} and another credit card on XXXX XXXX under the tamount of {$8800.00} and XXXX XXXX XXXX XXXX XXXX at credit card open on XXXX XXXX and with the amount of {$7800.00}. These accounts have resulted in XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I put a freeze and fraud alert on my XXXX but it does not appear anything was resolved and asked them to send verification the agent was not helpful in resolving this XXXX data breach exposed my information I would like the items deleted from my credit profile my name is its causing me to obtain housing for my family.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NY)

I have been receiving emails from XXXX ( Wells Fargo ) that my rent has been paid monthly. I have come to find out that my rent has in fact not been paid and my XXXX account is over drafted. As a result, my credit score took a very large hit. When I tried to rectify the situation and pay the account Wells Fargo duplicated the charge and took another {$10000.00} from my account. Now Wells Fargo owes me {$10000.00} and my XXXX checking account is overdrawn after Wells Fargo taking another {$10000.00}. XXXX is attempting to charge me overdraft fees while they should not have allowed Wells Fargo to have taken this money in the first part. Wells Fargo has stolen an extra {$10000.00} that they were not entitled to and now they are indicating that it will take multiple weeks before this money is returned. I will have no money ( in fact I have a negative balance ) during this time and neither bank has been willing to rectify the situation in the interim to figure this issue out.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (MT)

I received at least two texts from Unifin debt collection company. They included a reference number, web address link, and a call link. I used the link and their website requested the reference number, and either the last 4 of my social security number, or the month and date of my ssn, or my first and last name. I didnt want to give them my ssn numbers so I opted for sharing my birth date. Nothing resulted after I submitted the info, so I then submitted the last 4 of my ssn. That didnt result in anything, so I finally submitted my name. The next page displayed information about a debt that I do not owe. It read that I owe {$4500.00} to original creditor, XXXX XXXX. The current creditor is supposedly XXXX XXXX XXXX XXXX. My XXXX XXXX account does not show either one of these creditors, or the amount owed. I believe that because they dont have my SSN and are only going on my name, they are at best wrong or at worst committing fraud. I used to work for a legitimate collection agency for 3.5 years and from what I learned on the job, they are committing questionable and suspicious debt collection activities. I chose not to reach out to them directly because I still dont know if they are a legitimate company. I dont want to be dragged down a manipulative and deceptive hole for a debt that I dont owe. Thank you for your support. That is all the preliminary information I have. The website noted that I have 30 days before they report it to my credit. Please help me with any advice you can give me. Thanks again!
Consumer complaint received 2024-08-02
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

I purchased a bed from XXXX XXXX and they aggressively pushed their store card on me, advertising 0 % interest for a year, while failing to mention that if I did not pay the balance in full within a year, I would be charged interest in arrears at 35 % for the initial amount financed at the time of purchase. ( I have a XXXX credit score, no less ). I would NEVER have signed up for this if I had not been deceived. 

Alas, I was charged {$700.00} interest on my last statement on a balance of {$1600.00}. I tried to resolve this with them, but they refused unless I immediately paid through my checking account. I offered to do a balance transfer to my main credit card with XXXX XXXX- they refused! This is unethical and immoral at the very least. The bank issuing this was Synchrony Bank - notorious for deception! I have reported them to the CT Attorney General. XXXX XXXX aggressively pushed this financing. I suspect there are kickbacks involved for this conspiracy, although I have no evidence. Im not sure who is to blame, but Synchrony Bank has a horrible reputation and should be called to account for their deceitful and predatory lending practices.