davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (IL)

These are the several times that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc. (VA)

I reached out to this company via certified mail for verification and validation of a collection account on XX/XX/year>. A few days later I received a phone call on voice mail from this company. When I checked my credit report information a month later I noticed a second company had started reporting the same collections.
Consumer complaint received 2023-08-28
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected US DEPT OF EDXXXX XXXX Balance : {$2400.00} US DEPT OF EDXXXX XXXX Balance : {$4200.00}.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-26
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. (SC)

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : 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 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 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 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 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 XXXXXX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (TX)

I requested a balance transfer in the amount of {$9300.00}. The charges ( {$9300.00} ) and fees ( {$460.00} ) were applied to my card on XX/XX/2024. I checked my account on XX/XX/2024 and again on XX/XX/2024 and the money had not been deposited, so I called Wells Fargo to ask why. I also asked if I could pay off any other balance that was on the card I was told no, so I told the customer service person that I would like to cancel the transaction and was told that I could not cancel it as it had already processed. I explained to them again that I had not received the funds, they had only charged me for the funds. I was send to a second level person and at that time as was told yes I could pay off my card and was put on hold. After being on hold I was disconnected from their end. I called right back and explained the whole thing again, they said they would have someone call me back that day because I knew if they didn't the money would probably be sent to my account the next day and they wouldn't help me then. I was told they would and it didn't happen. I called the next day XX/XX/2024 after not receiving a call back again. I was told they could undo the transaction because I already received the money and they would refer it to another department that would mail me their answer. The letter did not rectify the issue.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (FL)

Credit inquiries that I did not authorized : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am a victim of identity theft, back in 2015 my home was broken into all my information and daughter information was stolen and all our jewelry. 

Someone even have an eviction in my name in North Dakota. Which I resided in XXXX since birth. 

Please help me I have no knowledge or connection with any account listed.
Consumer complaint received 2024-06-13
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: CLGF Holdco 1, LLC (PA)

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from FEBDestiny XXXX, the collections are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed from XXXX, XXXX, and XXXX immediately.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (NC)

I paid XXXX XXXX my past due balance of {$120.00} on XX/XX/2024. The collection agency, The Receivable Management, was disputed with all credit bureaus as there is no balance owed to them. 

They continue to report inaccurate information and updated the balance to {$0.00}. XXXX was paid on XX/XX/2024. The Receivable Management has payment marked as paid on XX/XX/2024. The payment was made to XXXX directly. The Receivable Management has rep worked on my credit report that it is a paid collection. 

It is a paid account to the original debtor that is inaccurately being reported on my credit report even after dispute and production of proof of payment to XXXX. The payment date is wrong as I never paid them. Also the status of it being a paid collection is incorrect. 

I would surely hope they would need to have some sort of proof of payment from me for validity, accuracy and payment reporting to the IRS which they wont as I never paid them.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am disputing the presence of this bankruptcy on my credit report due to discrepancies in the filing and reporting dates, as well as the closing dates. This is troubling as I possess a court letter explicitly stating that this bankruptcy should not be reported. Moreover, the involvement of an unauthorized third party adds to the absurdity of the situation.
Consumer complaint received 2024-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (TN)

Aidvantage is charging me over $ XXXX in interest while my loans are in forbearance. I asked them why and they said interest is supposed to be paused but they didnt know why I was being charged interest.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I opened up a CD with Bank of America for {$300000.00}. I wasn't sure of whether I would need that money before the CD terminated so I specifically asked the sales person if there are penalties for closing the account early. He said that I would only lose the interest that I had earned. I was fine with this and proceeded with opening the CD. 

On XX/XX/XXXX I cashed in the CD early as I purchased a property on XX/XX/XXXX that I then needed the funds for. 

To my horror, Bank of America charged me the interest as expected of XXXX ( XXXX ) in addition to a penalty of XXXX for a total of XXXX. 

I was shocked. I complained to the bank there and then explaining that I double checked with the sales agent when I opened the CD. They filed a complaint for me there and then in the branch. I had to call many times to follow up on the complaint only to be finally told I was unsuccessful without an explanation as to why. They could not verify if they had listened to the recorded sales phone call on XX/XX/XXXX. I specifically asked for a copy of the phone recording and they refuse to provide it to me. 

I find this penalty outrageous. If they had of been honest when I was opening the CD I would not have proceeded. Bank of America should not be able to con consumers like this.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. ()

I had account with coinbase.com that was registered in XXXX and last transaction i did in XX/XX/XXXX, in XXXX they send me email to terminate my account, after that i try to login many times but they do not allow me. Now my account is closed and i have balance in that account XXXX approximately. And they saying that i have to contact wyoming missing money etc. when i contact them at there i can not find any claim for me. But coinbase saying that ask wyoming. What can i do on this. Please you see the case
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (WA)

Date - XX/XX/24 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, Wa Action by me - notified the company but did not get any clear resolutions. 

Complaint Summary : I was deceptively enrolled in a credit card program at an XXXX XXXX store. Despite being offered a rewards program, the store associate initiated a credit card application without my full understanding or consent. I was tired and became suspicious when asked for my social security number, but I feel misled into applying for a credit card I did not want as during the entire process not a single time the word " card '' was mentioned. 

Detailed Description : - I was approached by a store associate who offered me a rewards program to save money on my purchase. 
- The associate began an application process that I assumed was for the rewards program.The associate did not mention the word " card '' at any time during the entire encounter. 
- Without clear explanation, the process shifted to a credit card application. I became suspicious when asked for my social security number. 
- Feeling tired and pressured, I completed the application, believing I could sort it out later. 
- I have since discovered that I was enrolled in a credit card program I did not want and did not fully understand.
Consumer complaint received 2024-02-24
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 (NY)

In accordance with Credit Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681, section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written consent. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (TX)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : 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 2018-05-27
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. (VA)

I contacted XXXX and Experian by phone and by mail to dispute and have incorrect information removed from my credit reports after receiving the information directly from the companies. I have contacted XXXX and Experian the entire month of XX/XX/XXXXand XX/XX/XXXX by phone and U. S. postal mail. The companies also sent XXXX and Experian letters asking them to remove the information from my credit report as well and they are refusing to do so. Both credit agencies keep telling me that they can not remove the information only the companies can. I contacted the companies and they told me that they have notified XXXX  and Experian and that they will have to remove the disputed information not them. I have mailed letters and contacted them and I am not getting anywhere. The information still remains on my credit reports and XXXX and Experian is refusing to update my credit reports to reflect the correct information. I need assistance in this matter and the only other option I have left is to file a lawsuit against XXXX and Experian. I need assistance and for this information to be updated ASAP. The law states that information that is disputed must be updated or removed if not both. I am looking for my credit scores to go up with XXXX and Experian based on this information being removed from my credit reports. As of today the information is stil on my credit reports and XXXX and Experian is refusing to remove it. I have gotten no where with calling them and paying lots of money mailing the same information to them to remove the disputed information. XXXX  is the only credit agency that has updated this information without incident or problems. Once the information is removed from my credit reports I am also wanting to ensure that my credit scores do go up as well given that I've had so many problems with XXXX and Experian. Please assist me in this matter ASAP. I am up for renewal of my security clearance and I need for this information to be updated ASAP. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service of Nevada (NV)

This company named " Sierra Outsourcing Solutions '' based on XXXX XXXX XXXX at XXXX XXXX XXXX, # XXXX, is insisting in collect a amount of {$130.00}. The first letter I received is dated on XX/XX/2024. I do not recognize this debt since I was victim of " medical scamers '' before. 
I mailed a letter to this company on XX/XX/2024 requesting their proof that the statute of limitations has not expired ; proof that they are licensed to collect in the state of Nevada ; license numbers and registered agent and nothing was provided. They returned my letter on XX/XX/2024 with my sent letter attached and NONE OF THE INFORMATION REQUESTED. It's my right to request those information under the Fair Debt Collection Practices Act ( FDCPA ). 
I respectfully request that my rights be granted and to remove any attempts of collection from this company that DID NOT proof being legit.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MD)

I have contacted this company NUMEROUS TIMES over many years ( since XXXX ) for debt validation and have received NO RESPONSE ; most recently XXXX, XXXX, XXXX of XXXX, XX/XX/XXXX. I continue to receive NO CORRESPONDENCE AND NO VALIDATION OF OWNERSHIP OF DEBT ; however, they continue to re-age the debt, change the type of account ( OPEN ) from time to time. This even reads as a credit account on some of my credit reports. I have also contacted XXXX major credit bureaus requesting information received on their end ( most recently today, XX/XX/XXXX ). They refuse to furnish information received information received from this agency. It was recommended by XXXX that I file an FTC complaint regarding this matter in order to have this removed from my credit report since the bureaus agree this is a gross violation of the FCRA in several areas.
Consumer complaint received 2023-02-16
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$10000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I was approved for an unsecured personal loan from a lender I found online. At that time they were dba as LightStream A Division of SunTrust Bank but I think theyre now Truist Bank . The loan was {$5000.00} with repayment terms of 48 months. After receiving a confirmation email regarding my final payment, which I have recorded and documented, LightStream began harassing me about my unpaid overdue balance. Despite my best efforts to resolve the dispute by contacting them and providing them with a copy of the email I received from them as well as a screenshot from their, they continued to make negative inaccurate reports to all 3 major credit bureaus about the loan being late, and eventually written off. They turned me over to collection agencies, reported negative information about me and refused to accept the undeniable proof I was providing them that my loan was paid in full and on time. Im tired of trying to resolve this issue on my own and just want this negative information removed from my credit report. Please see my attached documentation, screenshot of the original email and information from the Light Stream website which shows everything needed, including dates, account number, loan details, etc. Please review areas circled in red of my attachment for what I believe is proof that on XX/XX/XXXX the Principal Balance of my account XXXX was {$0.00}, next payment due date was reported as NA and Amount Due was {$0.00}. The loan originated on XX/XX/XXXX for 48 months ( 4 years ) and this email is dated XX/XX/XXXX which is almost exactly 4 years to the day of the original loan date!
Consumer complaint received 2024-02-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (MD)

On XX/XX/XXXX, I received a debt collection letter from Harris & Harris. The following day, I sent them a debt validation letter. I have proof that they received the letter on XX/XX/XXXX. They contacted me at least twice after not verifying the debt. Once via text on XX/XX/XXXX and once via phone call on XX/XX/XXXX. I requested in the letter that no contact be made by their offices to my cell phone.