davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (FL)

Collect Agency has not provided validation information under 12 CRF 1006.34 ( b ) ( 5 ) but yet the placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CRF 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681- 2 ( 7 ) ( a )
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had a new car loan from Capital one Auto finance Vehicle was involved in Accident I owed more on the Vehicle than the insurance paid, I kept making payments until they offered a lower payoff to satisfy the debt which I accepted, however on the Credit Report Capital One Auto Finance is showing that the whole loan in the amount of XXXX was written off I have asked that they remove they remove that information and they have not done so as XX/XX/year>
Consumer complaint received 2024-08-01
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Ascent Holding Co (PA)

Hi, I have experienced multiple issues with the XXXX program and I have concerns I was lied to and set up for a trap to pay them money while not receiving valuable knowledge. I have expressed my concerns of lack of resources provided and lack of support from slack channels and lack of activity or communication from the team to check or track progress. I was reassured I would owe no money unless a job offer was assured, however, when I expressed concerns to XXXX. I was only made aware that I have to pay them money ( which technically they already have via the Loan ) and answered XXXX of my concerns through the email thread I can provide. Additionally, I have read recently of the illegal practices done by XXXX and lawsuits against the company which was the main factor of my decision to reach out to them. Please assist me in cancelling the loan as this program is clearly a trap for paying them money with XXXX valuable resources. 

Please provide me with my options. My goal is to remove the loan from credit report and I will go beyond in making sure this program does not trap any other students. 
Former Students Are Suing For-Profit Coding XXXX XXXX ( XXXX ) CFPB Takes Action Against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for Deceiving Students and Hiding Loan Costs | Consumer Financial Protection Bureau ( consumerfinance.gov )
Consumer complaint received 2024-08-01
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: T.S. Holdings (NC)

On XX/XX/XXXX at XXXX CT I received a call from a personnel employed at IQ Data International Inc regarding an attempt to collect a debt from my former leaser office/management company. The agent was not helpful at all in explaining to me what the charges were for. Furthermore, he asked his manager, XXXX XXXX, to forward me an itemized statements for the charges incurred. I received the email from XXXX XXXX, an Operations Manager at IQ Data International , Inc. at XXXX where he sent me a document containing not only my social security number, but he also shared another person 's social security number as well. This has me concerned that my personal information is being shared without my knowledge or consent. Furthermore, he kept on insisting that I refused to resolve the debt, which I never stated, and informed him that I am simply trying to inquire as to why there were charges on there that didn't make sense, especially since I reached out the the leasing office earlier that day.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy with Here is the item I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX XXXX  account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} Equifax : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} XXXX : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00}
Consumer complaint received 2024-07-31
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: DISCOVER BANK (NY)

On XXXX, XXXXXXXX XXXX  I received a charge titled : " reverse disputed item. '' The amount was $ XXXX. My account balance is now $ XXXX and Discover is preventing use of my account because they claim that the balance is negative. I originally filed a dispute for two fraudulent ACH transactions, and in response they opened an investigation, closed my account, and reopened a new one in its place for security purposes. When I called today on XX/XX/year>, after a brief period of not checking my account balance ( NOR USING MY CARD OR ACCOUNT AT ALL ), they claimed that they decided that an investigation regarding two ACH transactions I disputed was not legitimate, MONTHS after it was filed. With NO notice. I received no letter to either my old or new address on file with the company. The supervisor that I spoke to ( after having an unhelpful conversation with a regular staffer in their disputes dept. ) kept repeating that " [ I ] was made whole '' and was very vague as to why they took provisional credit that I was entitled to off my account. They claim provisional credit was put in after I filed the investigation and they closed the dispute against my favor, WITH NO NOTICE OR EXPLANATION. They have allowed fraud to happen on my account and are telling me I owe them {$4600.00} and have a set amount of time to pay them. I want my account balance restored to wherever it should have been before they charged me {$8600.00}. It should be in the positive. I was taken from by Discover and they refuse to do anything but send me the letter only now, explaining why I " owe them money. '' They told me I can " submit supporting documentation, '' which they know I have none of due to the nature of fraudulent charges. I could only provide them a screenshot or a bank statement and they have the power to decline it once again and steal from me, just as I was originally stolen from when someone made two massive ACH transactions with my account. I need help restoring my account and helping me with Discover 's fraudulent, non-transparent, negligent, and dishonest practices.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (GA)

This debt from XXXX XXXX has already been settled and paid with XXXX XXXX claiming to be from XXXX XXXX. I had received many calls, voicemails, and threats from them claiming to locate me and call my employer. They called family members harassing me about the debt. I notified them that I was not aware of it due to me moving to different home and never receiving any notification of debt owed. I was at that time pregnant with twins and spent most of time in hospital, lady I spoke to made a payment arrangement for me to pay this account with auto draft from my acct., I asked her to send me a copy of settlement and she declined and stated that once paid off they would send me something in the mail to show it was paid off. Payments were deducted from my account and nothing was mailed to me. Now Im receiving a debt collection from another debt agency claiming that I owe this account. This has already been settled, paid and closed. I attached proof of payments that I made. Please remove this collection from my credit. This account has been sold to multiple collections agencies trying to collect money from me when account has already been paid.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/scrub> 2024, I first received a text message around XXXX by Chase Fraud Dept asking if I was trying to make a wire transfer, I answered no and then received a call from the fraud dept by a chase representative by the name of XXXX XXXX . He had my account information and said my account ending in XXXX  was compromised and I need to change my username and password, so I did so not thinking anything wrong of it because the number was from the back of my card and all! I was at work very busy and was just concerned that someone was trying to make a wire transfer, so I followed these steps. Come to find I was scammed, and he made a wire transfer of {$7900.00} out of my account and into his! All of my money. I immediately left work and ran to the chase bank where I told them I think I was just scammed. They called the fraud dept and sure enough I was scammed. It wasn't them calling me and all of my money had been transferred out. At that point they froze my account, and I had to wait almost a week! for them to tell me they are not returning my money because it was my fault for giving information! I could not believe what they were telling me after I told them how it can be my fault if I thought I was speaking to a Chase representative! They are just continuously giving me the same response as if I'm supposed to say ok no problem someone took all my money no problem! no! This is not ok! They reopened the case and only pulled back {$890.00} on XX/XX/XXXX from the scammers account! I told them so if you got {$890.00} back obviously this is a scam, and my money should be returned by the bank. The bank is supposed to protect my money! I have been fighting them ever since and I am on the verge of losing my life behind this. I had to borrow money to pay rent and bills. I made a report with the FBI and made a police report as well. Now when I went to submit the police report they closed my account! After I told them not to. When I explained my story to one Chase representative he laughed and said wow they are getting good! I can not believe he even said that to me! So, I told him OK why don't they go after these scammers? You have his name, bank account number and all! He told me you know how many people we will have to go after? This is insane to be told this and act as if this is a joke. This all has me starting to think it's an inside job! Please help!
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hi, My name is XXXX XXXX. My SSN is XXXX. My personal information was compromised & stolen, then used to open several fraudulent accounts ; using My Name, SSN & DOB, along with various fraudulent addresses, while i was XXXX, XXXX  in the XXXX XXXX. PLEASE help. Thank you again!
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NC)

Onemain Financial is scamming people through XXXX XXXX. XXXX XXXX is deceptive in indicating your odds of approval by using terms such as outstanding or excellent. This deceptive wording allows an individual to believe OneMain Financial will give them the funds they apply for. I believe that OneMain Financial has a financial agreement with XXXX XXXX. XXXX XXXX pushes OneMain Financial because of this fact. You mainly get denied for the amount. Also a hard inquiry is placed on your credit for XXXX years. This also hurts your credit making it harder to fix your credit.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (NV)

AMSHERCOLLECTIONSERVICES Reported on XX/XX/year> Amount : {$810.00} I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Consumer complaint received 2024-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shepherd Outsourcing, LLC (FL)

Billing Date : XX/XX/XXXX Amount : {$370.00} Debt Collector : Shepherd Outsourcing I began receiving calls from Shepherd Outsourcing recently. They informed me that I owed {$370.00}, but I have never heard of this amount before, nor have I been notified of this specific bill from XXXX XXXX XXXX XXXX. They claimed that I " opted out '' of communication in XXXX with another debt collector but couldn't tell me which debt collector that was. According to them, this opt-out is the reason I was never notified of the bill. 

I asked if they could email me a copy of the bill along with a breakdown of the charges, but they refused. Additionally, I have a separate bill from XXXX XXXX 's for around {$6700.00} that I am working on with my insurance. The hospital mistakenly billed me as uninsured when I was, in fact, insured. I have been aware of this larger bill and have contacted my insurance to submit a waiver for past timely filing to XXXX. 

When speaking with Shepherd Outsourcing, they asked for my bank account information, which I provided. I assumed the {$370.00} was the amount due after my insurance paid a portion of the {$6700.00} bill. However, after speaking with XXXX, I discovered this was not the case. Shepherd Outsourcing misled me into providing my bank information by making me believe the {$370.00} was related to the insurance adjustment.

I called Shepherd Outsourcing back to dispute the {$370.00} amount, but they refused. They said I had already agreed to pay the amount, and despite my repeated requests for proof, they couldn't provide any. They couldn't tell me who the original or previous debt collectors were and couldn't verify that I actually owed this amount, thus denying me the opportunity to dispute it.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (WV)

I went and checked my cash app and it said it was closed because I supposedly went and did something against their terms and conditions but no one will tell me what I did exactly wrong. And this is the second account they have closed for the same reason. I dont know what I have done wrong I get direct deposits from my work and my fiance sends me money but other than that I dont know what I did wrong
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Consumer complaint received 2023-06-16
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. (LA)

Again, I have been a victim of fraudulent activity and this is another request to remove the information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any account and information not later than 4 business days after XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information the Credit Bureaus provided on some accounts and information are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. By the provisions of the Fair Credit Reporting Act, I request that the Credit Bureaus remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX These accounts and information were never authorized on my behalf thus I am disputing these and be removed from my Credit File. These accounts and information have caused me damage I am looking forward for these accounts and information to be removed without delay. As much as I appreciate the Credit Bureaus previous action and have some of the disputed accounts and information removed, I am a bit disappointed seeing these accounts and information still being reported without proper verification. Please help me resolve these matter the sooner the better.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (CT)

XX/XX/XXXX opened a letter with a statement from Destiny which is a master card with an account ending in XXXX. I never opened the account. Called on XX/XX/year> and both general line and fraud line kept asking for my fulXXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They indicated no record can be confirmed without me submitting all that information. I never applied for such card which came with a {$700.00} XXXX XXXX and {$170.00} XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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: CLGF Holdco 1, LLC (FL)

FEB/DESTINY is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Reinvestigation follow up dispute I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account XXXX XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.