davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grain Technology, Inc. (GA)

GRAIN TECHNOLOGY continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my XXXX consumer profile. I've contacted GRAIN TECHNOLOGY & XXXX numerous times disputing this alleged debt. I've asked for validate & verify this debt. Provide me with documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They did not. There was NEVER permissible permission given for anyone to share my private nonpublic information. No consent is identity theft. 
Also, as defined by the IRS -Even if you don't receive a 1099C, you must report cancelled debt as gross income on your tax return. 
The IRS clearly defines a charge off as Gross or Ordinary income. 
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT!! 
GRAIN TECHNOLOGY is reporting an account is C/O on my consumer report they SHOULD NOT. 
Delete this account IMEDIATELY!!!
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am a victim of identity theft. The information attached below, which appears on my ChexSystems report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GAMACHE & MYERS, PC (AR)

I was not made aware of the transfer/sell of the debt. The response is false information and the copy you sent did not provide any justification. The collectors did not send anything to me prior to CFPB complaint. The original old debt was written off by a different company. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. I did not receive a written notice/debt validation letter within five days of the collector 's initial attempt to contact you. I was only notified by advertised attorney mail indicating I was being sued. This debt collector did not follow the law. The debt agency did not send actual proof of notifying me of the debt validation. They mailed copies of irrelevant information to my complaint.
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (IL)

I was leery about getting this loan from the start. I tried to get them to cancel my loan request they said they could not do it. The loan was originally from XXXX XXXX and that is who I sent the Cashiers check to. So on XX/XX/year> I send them a cashier check for {$9000.00}, It took them more than XXXX days to confirm that they had received the check, and it was cashed. I paid off the loan in XXXX months, This loan was for XXXX years at XXXX  % interest rate. The amount of the loan was for XXXX less an origination fee of {$1200.00} net amount {$9000.00}. The numbers are not adding up, that Upstart has.I paid them {$9000.00} plus XXXX payments of {$290.00} which is {$2000.00} for a total of {$11000.00}. I did not have the loan for the XXXX years.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/year> Navy federal rewards card allowed the secondary person to make charges with my credit card leaving me with the debt to pay. I ask for the person to be removed from the card XX/XX/year>. However speaking with a representative she responded that the secondary person that has digital wallet they can't remove to from their in and this was giving the card holder to make purchases. Leaving me with a debt to pay. I was not aware of this and was charge incorrect balance and over the limit amount {$3500.00} when my credit limit for this card was only {$2000.00}. The account was charged off and removed to collections which they did not help me to resolve my issue being a victim of them allowing the other party to make purchases with the card when Navy Federal said they had block the card.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had to reopen XXXX claims because the company first reimbursed my funds but than restricted my account so XXXX cant access those funds anymore, Im asking Bank of America to issue me provisional credit for these transactions please
Consumer complaint received 2023-03-13
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. (NJ)

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 result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-07-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have 2 CDs in my name as a minor from 1997 and my dad as guardian. My father recently passed away and I just located the CDs. I'm legal age now but XXXXXXXX XXXX closed and is now Bank of America. I called to see about the account and they only keep records for 7 years. I checked unclaimed property but came up with nothing so it was not escheated. If my CDs were insured by FDIC should I be entitled to the amounts on the CDs? Or atleast someone tell me what happened to the account in question. Thank you
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (MA)

So I had an issue with identity fraud and XXXXXXXX XXXX XXXX XXXX account went into collection and I disputed it in a first letter and it came off from collection but the account still shows up on my credit reports with negatives impacting my credit.
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (DC)

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 2023-03-13
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

As of XXXX, I informed the merchant of the address correction as I had to abruptly move for personal reasons. Merchant responded stating " once shipped no address change fulfilled. '' Though I gave the ACCURATE address, merchant refused to contact the shipper for cancellation and reshipment. Additionally I asked for a refund. Therefore, I could reorder the missed shipped items. I attempted to contact the shipper XXXX along with going on their website but it was no answer via phone and website tracking was null and void. Ultimately, I never received the items. I am requesting a refund In this way, I will re-order the items See attached documenting contact and resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/year> I presented myself to the Navy Federal Branch located on XXXX XXXX, at that time I opened my mail which was from the United State Treasury and signed the back of my IRS tax refund in order to deposit it into my account. The rep scan the check and then advised me that the fund would be available on tomorrow XX/XX/year>. On XX/XX/year>, I received a email from the bank stating that my funds have now been put on hold because they have reasonable cause to believe that the check is uncollectible from the paying bank ( which is the United States Treasury ) based on confidential information that indicates that the check may not be paid! Basically nicely telling me my check is fraud. I have since been getting the run around about this information. I have offered to bring them my tax transcripts as well as allowing them to access my personal information to check on the wheres my refund as well as the website to verify the funds and all has been denied. I need my money. If she told me this on yesterday I could've took the check to my other bank or even a check cashing facility. Now the holiday is approaching and the bills are here. We had a family trip planned but now I have to cancel to hold the trip money to pay bills. So unfair and the customer service sucks. No one is telling me anything. I need some assistance and understanding
Consumer complaint received 2024-07-02
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX VA XXXX I XXXX XXXX looking over my credit report and found that there are 2 charge offs reporting. This is confusing because I never received 1099 forms for the charge offs. I want the 1099 forms mailed to me and the balance to reflect a {$0.00} balance. The accounts in question are as follows : 1. Account Name : NAVY FEDERAL CR UNION Account Number : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. Account Name : NAVY FEDERAL CR UNION Account Number : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reason : Do Not consent to this private personal information being reported. I am opting out of these accounts being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

XXXX Credit Card Opened account on XX/XX/year>. Was told I could immediately make payment at register to pay balance. I paid the charge with my Debit Card. I then received a statement with the charge, late fee and interest. I called and they opened a ticket. I still keep getting phone calls about paying. I called twice today and was told by the first person that they could not do anything about it since I had an open ticket but they would make sure I didn't receive phone calls until this was resolved. I received another call already this evening. Called in and the person told me I had to send bank statement to them. I asked if I could just go to my local store and she said no. I am not sending my bank statement with my personal information for them to have a copy.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (KY)

I see a collection on my credit report for {$150.00} from Credence Resource Mana. I am a victim of identity theft and this debt is not mine. I need this deleted from my credit report immediately. I have included my FTC Identity Theft report which list Credence Resource Mana.Thanks for your assistance.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

I have filed identity theft police report and this is the information regarding my police report Police report number : XXXX. Filed on XX/XX/year> XXXX XXXX police department. 
The Account number on my credit reports : XXXX Re : Dispute of Alleged Debt and Demand for Verification. I vehemently dispute this debt and demand verification of the account and purchase agreement. 
Demand for Verification : 1. Provide the original contract or purchase agreement bearing my signature.

2. Verify the account information, including account number, dates, and amounts.

3. Furnish documentation proving I incurred this debt.

Burden of Proof : You must provide conclusive evidence linking me to this debt. Failure to do so will result in : Immediate cessation of collection activities.Notification to the credit bureaus to delete this account.

Filing a complaint with the Federal Trade Commission ( FTC ) and and Fair Debt Collection Practices Act ( FDCPA ) : Your agency 's actions are subject to 15 U.S.C. 1692. Failure to comply with FDCPA requirements will result in further action.

15 U.S.C. 1692g ( Validation of debts ) 15 U.S.C. 1692e ( False or misleading representations ) XXXX XXXX
Consumer complaint received 2024-07-01
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: NAVY FEDERAL CREDIT UNION (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one credit card was paid in full and closed.showing up on credit as derogatory when account should be showing paid. Aditionaly acct start date is wrong, payment status is wrong, credit limit wrong, opened day is wrong.
Consumer complaint received 2024-06-30
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: NAVY FEDERAL CREDIT UNION (TX)

Navy FCU ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX  ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX and XXXX ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  ran my credit without my knowledge on XX/XX/XXXX.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MS)

Today I receive a alert at XXXX XXXX  from experian saying my file was being acess tried to login to my account but everytime I request for verification code someone cancel the request.At XXXX a text from experian saying that I am sharing data with a third party.Someone is accessing my account online and when I go back to the information it be deleted.XXXX  the same thing and they said that they have a product that belongs to me but before I can access it a third party got to connect.I don't have no credit cards, and my accounts that I created most of them are closed or the account have been changed
Consumer complaint received 2024-06-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2024, Bank of America informed me by mail that someone is trying to open an account in my name for a XXXX XXXX XXXX XXXX XXXX. I never submitted a request for this card. We have had at least 4 phone conversations regarding this matter and They informed me they were investigating the application and I would be hearing from Merrill Lynch to resolve the issue... .still have not heard from Merrill Lynch . I in turn contacted XXXX to put a fraud alert on the Bank of AMerica application, I received an alert the fraud alert would not be honored because the Grantor said the information was correct. No explanation how to dispute this finding. Are there any other ways I might be able to solve the Bank of America or the XXXX issues????
Consumer complaint received 2024-06-29
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. (CA)

Experian has an account under my name and social security thats is definitely not mine. The account is compromised with an identity thief and there is no way for me to get in contact with sombody that can help resolve this issue. The account in under an unknown email. I have valid reason to believe in identity theft and am moving forward with a police report.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This an a collection account with XXXX XXXX collection account for a Capitol One credit card from 2019. The credit card limit was only {$500.00}. I don't know how the account balance was charged to over {$2000.00}. The last time I remember using the card was for a car rental with XXXX and I could never get a viable response.
Consumer complaint received 2023-03-13
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. (AZ)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I froze my credit earlier this year due to the XXXX XXXX XXXX data breach. I tried to unfreeze my credit on Experian 's website, however, customers can not open Experian 's website without pulling their credit report ( which one can not do if their credit is frozen ). I tried calling their customer service number ( XXXX ), but no matter what option selected, you are told you can not speak to a live person. On their website, it says a pin is no longer required to unfreeze credit reports. On the automated system, it states a pin is needed to proceed to unfreeze or you must mail a letter. I mailed a certified letter via USPS to Experian, which was received XX/XX/year> ( tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am still unable to access my credit report. 
I want to apply for new jobs, and this is a severely impacting my ability to do so. Unfreezing my credit on XXXX and XXXX only took a few simple steps. Please help!
Consumer complaint received 2024-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

In a effort to reestablish my credit I paid off a number of credit cards and all loans I have taken out recently. After noticing my credit score was in the XXXX XXXX XXXX this company called XXXX XXXX XXXX a debt collection from a credit card I haven't had access or used in XXXX. This card was written off but somehow XXXX XXXX had placed it on my credit report as debt owed and they also are showing the debt started in 2023 which it's totally false and fribricated. This has cause irreparable damage to my credit and they should be held responsible! I would definitely get a lawyer but I wanted to take this route first. I have spoken with them numerous of times as I personally called them and asked them to remove this negative debt from my report but I see they keep filing it. I've disputed it with the credit companies but they come back with they have a lack of information which is the same thing XXXX XXXX is giving me!