davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (FL)

I was first contacted on XX/XX/2023 by an unknown number. The caller did not identify where she was calling from, but explained that there may be a complaint that I may be affiliated with and to contact another number. This person did not state she was calling regarding a debt collection, no notice of recorded calls was given, and the representative provided ME with my year of birth and last XXXX of my SS number. She did not ask me to provide this information ; she reported it to me. She called from XXXX ( XXXX ) XXXX, which upon attempting to call the number back, duals to a rapid busy signal. 

I called the number she gave me, which she stated was for XXXX, but would not provide me the description of what the letters stood for and gave me a reference number. I called the number she provided : ( XXXX ) XXXX. There was no business name provided as the call picked up. I gave the representative the reference number I was provided and asked what this was regarding. She refused to tell me until I confirmed my personal information, which I never did. She then, proceeded to state my name, birth date, and FULL SS number without asking me any questions for me to verify my identity first. I did not respond to the personal information she provided me, she briefly put me on hold, then came back on the line and proceeded to tell me the call was in regard to a debt that was closed and is XXXX years old. She then threatened to file litigation, garnish my wages, etc. She provided me an amount that I can not verify due to the debts age and the account being closed out many years ago. I do not know if any of this is legitimate, but I am confident it is not legal. 

I am extremely concerned that this company, XXXX, XXXXXXXX XXXX XXXXXXXX, is accepting incoming calls, without recorded lines, without initial dent collection notification, and then providing the caller with federally protected identification information, including, but not limited to stating someones full SS number and then proceeding to threaten them. This firm needs to be investigated and I must now monitor my identity more closely to watch for identity theft and fraud.
Consumer complaint received 2023-05-31
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. (IL)

1. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  
2. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

3. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX, OH XXXX XXXX  
4. The following personal information is incorrect
    
        Employers: NOT PROVIDED
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2020-03-16
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: AA Recovery Solutions, Inc. (GA)

XX/XX/2020 at XXXX XXXX  I received a phone call from a private number the person told me they were in the independent process server. They told me that they will be attempting to serve me at a address in XXXX where I dont currently reside. I asked what was the court action reference to they refused to tell me and told me if I wanted more information I had to call XXXX. Once I said I had a number the person said you have been served and hung up the phone. I then contacted the 800 number which belongs to AA Recovery Solutions XXXX. I informed them of the phone call I got from the unknown number they quickly denied that was associated with them. I asked him how would I know the number to call without receiving the information from somebody and again they denied the Previous phone call. This is a very deceptive practice to have somebody call threatening a lawsuit are delivering paperwork for a lawsuit just have a customer call them so they can then tell you about a debt .they never really identify their selves as a collection agency. I feel that no collect agency should threaten a lawsuit without first informing you of whats going on and give you some time to validate if the information is actually true
Consumer complaint received 2023-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (TX)

Last week I went to review my credit report and found that DRS has a collection record on me for {$580.00}. When I called them up, I was told that I took a payday loan from their client on XX/XX/XXXX. I told them it was false because I did not make any such transaction. The email they gave is not mine and they used the address of a house I sold in XXXX. 

I have called DRS over 3 times to send me the original application and to take it off my credit report but they turned deaf ear. 

My personal record has been breached by more than 2 companies. Last year, my employer ( IRS ) notified me that someone was working with my SSN and wanted to file taxes but it was foiled as I do not have a second job.
Consumer complaint received 2024-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (NC)

XXXX XXXX XXXX referred a debt to a collection agency for a wireless account ( XXXX ) that was closed the same week it was opened. The account was closed because the device purchased from XXXX XXXX XXXX was mistakenly shipped to the wrong address. XXXX returned the device to the sender, and I didnt want to wait for a second device to be shipped. So, I visited an XXXX XXXX XXXX  store and requested that the account be canceled and any associated charges removed. 

The store manager, XXXX  XXXX, explained that the account couldnt be canceled until the device returned to the sender. However, she promised to cancel the account and refund me after my store visit once the option became available. She confirmed this plan via email ( see attachment ). 

Unfortunately, the action was never taken to close the account, and it remained open for the next XXXX months. During this time, it accumulated additional service charges, even though I didnt own any device. I only discovered the store employees negligence after receiving multiple collection letters from Prince Parker & Associates , Inc. regarding this fraudulent debt.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Motor reported Late payment in XX/XX/year> when it was not late. Due to XXXX XXXX  my automatic draft did not cover because I was in XXXX  but made the payment within 4 days. It was not late. Also Toyota is showing no data for XXXX, XXXX and XXXX of XXXX  and they need to show on time because payments were on time I have proof as well as deferment signed by myself and them. THEY NEED TO PUT THE CORRECT DATA IN AS PAID ON TIME. Putting no data due to a deferment hurts my credit, they need to ADD PAID ON TIME FOR XXXX, XXXX AND XXXX, XXXX. I HAVE DOCUMENTATION AND IF YOU DO NOT REMOVE IT I WILL SEND THE SAME DOCUMENTATION THAT YOU HAVE SHOWING THIS. For the XX/XX/year>XXXX  REMOVE AND DELETE THE LATE.
Consumer complaint received 2020-03-02
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}
Consumer complaint received 2024-09-02
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. (VA)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX 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 2024-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (MO)

I recently checked my credit report and there was a collection from source receivables manag. that I did not recognize the original creditor is XXXX when I looked into it When I contacted T-Mobile they told me the account was opened back around XXXX I am newly XXXX XXXX XXXX and you can not open an account additionally they told me the account had a birth year of 2000 I am a victim of identity fraud and someone has been using my identity to create fictitious accounts in my name I filed a police and identity theft report and I want this off my report immediately its hindering me being able to take college courses and its not fair
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I deposited money at an atm ( more than {$800.00} at least ) and received no confirmation from the atm of how much it was, how much I deposited, or if the transaction was completed. It just spit my debit card out with no confirmation. No receipt. 

I knew something was wrong so I checked my account to see if the money was posted and it was not posted to my account. No pending transactions or anything. I called capital one to file a dispute but they wont tell me how long this will take to resolve. This is a gigantic problem for me because I have a mortgage, and that money is to pay my mortgage. My mortgage is due TODAY.
Consumer complaint received 2024-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC (NE)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CA)

In addition to my complaint XXXX I found out that the Wells Fargo Home Mortgage failed to pay my taxes in time and got a delinquent utility service fee for {$1400.00} that they charged me with. I believe they must pay the fees that were a result of their mistakes. I paid my mortgage regularly, I never was late. I can provide a copy of taxes bill that shows the fee of {$1400.00} and the escrow report that charged me for that money.
Consumer complaint received 2024-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc (TX)

I reached out via chat to ask how I could pay towards my principal amount in order to lower my next months payment but I am being told that I have to always make the mnimum payment. This was right after I made my previous payment of XXXX which only contributed to my principal with about XXXX dollars of that. I asked to make a bigger principal payment in order to lower next months but they want me to pay another XXXX first which will only pay to my principal again XXXX dollars and add on whatever extra payment I want to there. I tried calling and was told the same thing. Via email the same thing. Finally I tried to pay off my entire balance today several times online but it refuses to take my card. I tried calling the number to make the payment and she says she doesn't know why they aren't accepting my card. Claims it says insufficient balance, not true. Asked if I had another card, I said no because I don't.. She was encouraging me to add my ACH account back on and to schedule a payment through there. i said no because if I do that then my balance will continue to go up by the time the payment goes through and then i will be in a never-ending cycle of incurred balances. There was nothing else that could be done. I now received an email saying that my card has a daily limit that does not allow them to process the payment. Even if that is the case, they do not allow me to make two separate whole payments of XXXX and XXXX to pay off my balance. By the time I make the request to my bank and get it back, I will have incurred more balance. This is insane. I do not know what to do anymore.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (PA)

Charge of accounts are considered, certificates of indebtedness, pursuant to I.R.S publication XXXX and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974. 
The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

I retired from XXXX XXXX XXXX ( XXXX ) in 2020. It is the practice of XXXX  that employees receive their salary or retirement exactly on the XXXX day of the month. If the XXXX day of the month falls on a Saturday, Sunday or holiday, XXXX makes sure that payment is received on the working day before the non-working weekend or holiday. 

This changed when Bank of the West became BMO. BMO keeps the money until the next working day. So money paid on XX/XX/XXXX ( Friday ) by XXXX to make sure that employees and retirees have their money before the weekend or holiday are kept by BMO for a few days and will not be available until XX/XX/XXXX ( Tuesday ). 

This happened once before when XXXX sent payments to their employees on XX/XX/XXXX ( Friday ). BMO kept the funds and paid salaries and retirements on XX/XX/XXXX ( Monday ). 

I believe BMO is keeping the money for a few more days so as to receive interest on the money at the expense of the employees or retirees from XXXX and other companies.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.
Consumer complaint received 2024-09-01
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: Westlake Services, LLC (GA)

After looking at my credit report, Im seeing multiple inaccurate inquires place on my credit report with companies that i dont have any account with. Upon contacting these companies credit departments asking, do i have an account with, their responses is no we dont have any account for you with this company. Upon hearing that i requested of them to delete the negative inquires which the say that theyll do an investigation and remove the negative items. It has been well over 30 day and none of items as been remove. The companies are XXXX XXXX XXXX XXXX XXXX Westlake services XXXX XXXX XXXX XXXX  Under Fair Credit Reporting Practicing Act 15 U.S.C SS 1681 i Disputing inaccurate Information on credit report
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (AL)

I sent the below disputed information to Experian on XX/XX/2023 and per FCRA 611 the reporting agencies have 30 days to investigate the inaccurate information and if they do not respond within that time period they must remove the disputed information. 
Also included below is letter Experian sent which states they will not do what is required of them. 
Tracking number ( confirmed by XXXX ) : XXXX
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (NC)

I have been sent a letters by this company saying they are a law firm that represents the state of Florida and that I owe money to the state of Florida for a XXXX  and in order to reinstate my drivers license I needed to pay them {$3200.00} I finally came up with enough money to pay them. The amount that I was sent in the letter for the last six years and they said that if I paid it with my routing and checking account number that it would delay getting the letter and it would take 10 business days I paid that over two months ago and when I did not receive the letter, I called them on XX/XX/year> and they said oh no you still owe another {$120.00}, so I immediately paid that and they said youll get your letter within 10 business days here we are 15 business days later and I do not have my letter and when I called they said that it was the state of Florida that was holding it up, however they were in direct contact and representing the state of Florida and told me that the letter would be sent by them so I feel like Ive given money to a company that is fraudulently representing the state of Florida DMV I just want the letter so that I can get my drivers license back. Its taken me over seven years and I have been without a drivers license for this amount of time and I have an XXXX  year-old mother that I need to take care of and I absolutely need to have a drivers license as she is starting to fall and have incidences that will not, do without a vehicle
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.