davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-14
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Kingston Financial, LLC (OK)

I was contacted by a debt collector for an online payday loan they claim was made. Somehow, they had all my personal information, and demanded I pay them XXXX dollars immediately. The account they claim was put down as the pay-out to re-receive their funds was closed three-five years before they claim this payday loan was made. They also claim it was by an address that I had n't lived at for several years.
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (FL)

Hello! My name isXXXX XXXX. I was looking for interior design school online and found XXXX XXXX company, I started to see info about that course in their website and wrote them that I may apply for the program, but after a few days I called them and said that I will not study in their online school because it was a bad reviews about them and I started to look for another school. After 3 weeks I received a collection Ability Recovery Service letter that I owed XXXX XXXX {$780.00}. I was in shock because I didnt attend even one day of their school online and now I understand why it was a bad reviews about that school who is filing for collections as a fraud. Please help me to resolve that problem, because I called them and they didnt care, they repeated that I owed money. Its a real fraud what they are doing.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2019-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (VA)

National Credit Adjustors XX/XX/2018 - I faxed a written request to stop harassing me at work. Then I started receiving a call every night at my 2nd part time job which was noted by my coworkers that they have been calling me every night.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

LEXISNEXIS CONSUMER REQUEST FORM REQUEST, AFTER MY INSURANCE POLICY WAS CANCEL BECAUSE WRONG INFORMATION WAS REPORTED BUT I REQUEST THE RECORD CHALLENGE INCORRECT ENTRY IN MY REPORT BUT THEY SEND ME THIS LETTER INSTEAD : READS THAT THEY CANT FIND ANYTHING AT THIS TIME AND I NEED INSURANCE KNOW BECAUSE OF THEM I CAN'T OBATINED INSURANCE AT AFFORDABLE RATE. XXXX CANCEL MY POLICY XXXXCANCEL ME AS WELL BECAUSE SOMETHING ON MY CONSUMER LEXISNEXIS REPORT AND THEY AREUNABLE TO LET ME KNOW WHAT IS IT. 
THIS IS MY COMPLAINT.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/24 Capital One deducted {$350.00} from my account for a bill payment. We noticed the transaction on XX/XX/24 and contacted the bank to file a dispute about the charge. While waiting to hear back on XX/XX/24 another transaction in the same amount occurred. At that time I contacted to bank to file a fraud complaint. On XX/XX/24, one of the {$350.00} charges was returned to my account, provisionally. On XX/XX/24, I was advised via email that the claim was denied because it was set up correctly through billpayer. They advised the plan to take the provisional {$350.00} out of my account on XX/XX/24. I contacted them to dispute the dispute and they said they would look at it again.. On XX/XX/24, I was advised that the decision would stand. I contacted them to request verification of what was used to make the decision. I also visited my local bank for assistance. The teller contacted XXXX  on my behalf. They agreed to look at it and would advise something by Monday, XX/XX/XXXX. On today I was advised that the decision would stand. 
Meanwhile, I have reached out to the XXXX XXXX XXXX, to whom the payment is going. Spoke with them on XX/XX/24 and XX/XX/24. They have confirmed that neither my husband or I have an XXXX XXXX XXXX  under out identifying information.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

on XX/XX/2018 i tried to get my free credit report for online viewing from equifax on the XXXX site. i completed all information but the test questions failed due to equifax 's error in accuracy. the next to last question had a creidtor for car payment which was mispelled severely. i answered none of the above because of the error. the last question asked for the amount of payment. i answered none of the above because the name of the creditor was wrong. the system said i could not get online access. their error. my car payment is paid to XXXX XXXX. that was not even close to the name on the quiz. other issues. i tried to call to put a lock on my equifax report. after going thru their auto system, the system said i would be transferred to a representative, then hung up! i attempted the same with XXXX XXXX and could not lock my file since i did not have a code they said was sent to me. i ended up with a 90 alert. these bureaus are not accountable to the public because oversight is non-existent. to date i am not aware of any consequences for equifax for the great security breach. any other company would have offered free identity theft protection for those affected. at the very least there should be live representatives for XXXX people like me. also, i was able to access my XXXX  report on line and my browser crashed. do i have a way to reaccess this report?
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I requested a balance transfer payment to be made to Capital One in full on XX/XX/2024. XXXX weeks later, I received a response from XXXX XXXX that the check that they sent to Capital One was returned and therefore canceled. I was then told by XXXX XXXX that I have to wait XXXX hours to complete another balance transfer. After doing so, the new balance transfer was completed and paid on XX/XX/XXXX electronically, prior to the due date. After this payment was made, the account reflected a {$0.00} balance. As of today, XX/XX/XXXX, I was charged interest of {$120.00} and told by the Capital One representative that if XXXX full payments are not made for at least XXXX billing cycles, I would be charged interest. 

This was not told to me when I spoke to the representative at Capital One when I called to get information about the balance transfer process and things that I needed to be aware of.
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I mailed a letter certified back on XXXX XXXX making you guys aware of fraudulent information being reported on my consumer report. I received a response that the letter was not coming from me!! Listen my personal information was exposed in a XXXX breach and I believe it has gotten into the hands of the wrong person. After checking my annual credit report AGAIN I still notice fraudulent names, addresses, incorrect Social Security numbers, inquiries and accounts that were not transactions made by me. This needs to be deleted immediately!!
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

Again you have ignored the fact that you yourselves told me I had until midnight last night to access and move funds but my account was already fully closed refusing me the access to my money that you said I would have access to until midnight. I called four times sent numerous emails to no avail. I have been told it's closed because of a deposit agreement term or condition yet I have zero idea of what you mean I want specific examples. Furthermore also ignored on every call and email was me explaining I can not receive mail or a check at the address you have in file and I want the access to my money that chime promised me which turns out was a complete and utter lie. I'd suggest escalation in this is too a manager if you do are unable to do anything to fix this illegal error chine has made. Forward to someone who has the ability or authority to fix y'all 's huge mistake quickly. Thank you
Consumer complaint received 2023-08-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (SC)

I reported to the police that my identity was stolen along with reporting to the company that I did not authorize this account but they still continued to apply the negative impact to my credit after receiving an aggressive letter saying that I did authorize the account and it will impact my credit. And I told them you can tell my identity was stolen because the person who did it didnt even spell my name correctly
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX remove incorrect addresses XXXX XXXX XXXX XXXX, Ohio XXXX. XXXX XXXX XXXX XXXX XXXX to me XX/XX/XXXX, XXXX According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer XXXX  any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX Please remove incorrect addresses Addresses : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX michigan, XXXX XXXX. XXXX XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX MI XXXX Please remove incorrect phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please remove incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove incorrect date of birth : XX/XX/XXXX 1987
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC (TX)

I don't recall having a contractual relationship with this collection company JANA FERRELL AND ASSOC. 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 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (DC)

On XXXX XXXX XXXX  I settled the account and have not received the title to the vehicle, nor have I received the final paperwork closing out the account. On XX/XX/, I wrote again to resolve this matter, extending them three ( 3 ) additional business days to respond ; as of XX/XX/, the allotted time has now expired.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

I have called numerous times for an investigation as to whose bank account got added to my credit card. I finally got Citi bank to remove it but they seem to have trouble initiating an investigation. I keep getting passed back to customer service then Im told they can not hear me. They passed me to a few representatives on XX/XX/year> stating they can not hear me. However, over the course of 7 months I have asked for an investigation nearly monthly. I call in my payments and every month they ask if I want to use a bank account that is not me. Every month I ask where did that come from that is not mine. I ask every time for an investigation. I have never received information on how that back account was added to my credit card.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I am writing to follow up on my previous request to remove the collection account associated with CONSERVE Account XXXX XXXX from my credit report. 

I am pleased to inform you that XXXX has already successfully removed this account. However, I noticed the record is still present on my XXXX and XXXX reports. 

For consistency and accurate reporting, I kindly request that you initiate the process to remove this account from XXXX and XXXX as well. I have attached a copy of my XXXX report for your reference, which shows the account has been removed.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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. ( XXXX XXXX XXXX - XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights 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 instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Asset Management, LLC (TX)

XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.
Consumer complaint received 2023-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

Without any explanation Equifax dropped my credit score XXXX points. I called to speak to them and they were insistent that they couldnt explain the drop but they could not correct. I check my credit report every day - all three of them - because I am in the middle of buying a home. I have one credit card showing a balance and I have spoken to that credit company. When the balance hit my score ( {$2900.00} on a {$3000.00} limit ). Equifax dropped my score as did other credit score companies about XXXX points due to the percentage of credit used. However, 3 days later, Equifax dropped my score another XXXX points with no explanation. It is an error on the part of Equifax and doesnt have to do with anything a lender is reporting. I have paid off almost all of my debt and just sold my previous home- this drop by Equifax is unexplained and will result in a negative impact to my ability to get the best mortgage rate on my new home. It needs to be corrected but Equifax customer service just says there is nothing they can do even though they cant explain a reason for the sudden drop which puts equifax score in the XXXX while both transunion and experian are in the XXXX. If these credit score companies are going to hold us hostage on the reported scores they should be able to correct what is an obvious error on their part.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Key Mortgage Services (FL)

I believe there is an illegal compensation kickback scheme at Key Mortgage Services XXXX Inc. NMLS # XXXX between employees XXXX XXXX XXXX and XXXX XXXX XXXX. Further, former employees XXXX XXXX and XXXX XXXX XXXX XXXX were terminated to cover up the system. Several current employees informed me of the scheme but are too scared to make a complaint because XXXX and XXXX were fired for bringing up the info.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (IN)

I had money tooken out of my credit karma money account on XXXX XXXX a total of XXXX transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX suppose to had refunded my money to my account but credit karma is stating it never was sent then credit karma it stating that the money never came from XXXX account on their end but paperwork clearly shows the money being tooken out also they refused to help me by showing me anything after these transactions were removed I also have enclosed proof and highlighted the information I am referring too as well
Consumer complaint received 2023-05-15
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)

15 USC 1681 c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- The CFPB said an employee forwarded the personal information of more than a quarter-million consumers to a personal email account, an incident that the bureau described as a major breach. 

XXXX has had a breach all the people set in place to keep to gate keep has failed to protect consumers leaving us exposed for identity theft.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

My chime bank has closed my bank account after i made a claim on my account because my account was frauded XXXX dollars so they made the claim and two days later which is today i received a email saying they closed my account today not telling me anything about my money or nothin & i told them my tax refund check was going into that account and they still closed it