davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (FL)

XXXX   XXXX     refu sed to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  t  wo separa te months well after lease ended. Th e Statute of Limitatiins is long past even based on their reporting and it also is  very close to 7 years ago.        XXXX   XXXX   tol d me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violates th e Fair and Accueate Credit  Transactions Act.     I have had a few  XXXX  through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.
Consumer complaint received 2023-07-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC (CA)

On XX/XX/2023 I received an email from Explore Credit stating they charged my bank account in error and that they would refund me as soon as possible. I do not have a loan from this company, I never have, I do not owe this company money. They somehow debited {$300.00} from my account on the XXXX after sending me the email about some errors in their system. Theyre dragging their feet refunding me and this was my grocery money. This is unbelievable that a company helps themselves to hundreds of dollars when you have no business with them. Error or not I should be made whole immediately. I emailed them because I can not get through by phone on XX/XX/XXXX. They stated on the XXXX Id be refunded next business day. I replied asking them to delete my info after the refund. Instead of agreeing, I received a terse reply, the refund timeline was extended to 3-5 business days, and thats it. I just emailed them again, and they responded calling me XXXX. Who is XXXX? Im calling my bank and now.
Consumer complaint received 2017-05-13
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: Nelnet, Inc. (OH)

Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back i n  XX/XX/XXXX ,  with the University    XXXX   XXXX  . These student loans were opened up unbeknownst to me which I was   XXXX   ( date of   XXXX : XX/XX/XXXX - XX/XX/XXXX  Date the fraud occured :   XX/XX/XXXX  ;   amo unt ( s ) : {$1700.00} ; {$3000.00} These students loans are old and h ave been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in   XX/XX/XXXX ,  and have since been removed from my report (  XXXX   XXXX   XXXX  University  XXXX   XXXX  and   XXXX   ).     Now, I Have  "  XXXX /  XXXX   XXXX   XXXX   ; D  ept. of   Education/ NEL N ;  US Dept. of  Education / XXXX / XXXX ,  posted on my report from the same time period the prior students loan information post posted previously, dating :   XXXX .      This same issue with the fraudulent student loans has come back and repackaged.
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (OH)

back in late  XXXX  early  XXXX  my wife and applied to refinance a home @ wells fargo in   XXXX   ohio. we were told all was approved and we had to just come and sign the papers, so we did. after we did the bank employee told us she would contact us the next day.we heard nothing and after several calls were told that we were not approved. after pulling my credit report several years later i found that a {$5000.00} credit card had been opened up in my name. it seems to have been paid for a few months and then not paid for a long time. now at is on my credit as pays as agreed but has been damaged my credit .i have just sent this info  XXXX  and i am waiting to hear back. i have not heard from wells fargo and i can not find the name of the legal team tacking care of this. any info on this would be appreciated. thank you.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC (CO)

I got our phone from XXXX XXXX on a promotion its a XXXX XXXX XXXXXXXX XXXX the promotion was I trade in my phone, which is a XXXX XXXX XXXX XXXX XXXX and they gave me a brand new phone XXXX  half of the bill and XXXX pay the other half. I was paying for some time because I have a line as my phone was with them until I was tired of the padding of bills etc. so I left the company and go to another phone provider but before I did that I call XXXX XXXX and let them know that I will be removing my phone line from them, but I will keep paying my other off until the phone is completely paid off, they told me yes just keep one of my line open so I can make payments. I keep making payments until one a couple months. I was at the roof edge and I couldnt make any payments for that couple months. I think it was two months they send me a bill saying that I need to pay {$830.00} for the phone which this phone the original price is {$750.00} at the time when I got this bill I only had {$290.00}. I called the XXXX  when I got the letter and ask them whats going on because Ive been paying and I do not hold you {$830.00}. The gentleman told me that he couldnt he couldnt say anything about it and ask him can you like send it back on track because that was in the country of agreement he said he doesnt have any paperwork. He doesnt have any paperwork for the phone and I have to call the debt collector people after I called them and let them know what I was going to. Do they still say that I need to pay the full amount so all the bat money that I was paying the erase it and I have to pay it online {$30.00} for the phone and thats not correct the car so if I could get some help on this matter, I would appreciate it. I just wan na pay what I owe
Consumer complaint received 2017-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

Unauthorized amounts were drafted from my checking account on XX/XX/XXXX and XX/XX/XXXX both in the amount of {$1000.00} totaling {$2000.00}. The reason it went as long as it did was because I was working away from home. When I realized what was happening I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX ) by phone on XX/XX/XXXX and complained. I then sent a letter to them on XX/XX/XXXX explaining the situation and what had happened. I got a returned letter that said request denied. Without any approval from me XXXX not only extended the duration of a policy for me but increased the premiums over ten times the previously agreed upon amount.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I used my card at XXXX XXXX XXXX XXXX store in the XXXX. The store charged me {$6000.00}. After the sale I went back to the cruise ship and saw that there was no returns on the items I bought. The sales person told me that I had 30 days to return the items. They were sending the items to me at my home. I had no phone service on the ship. When I got back to the states I called Capital One and they had flagged my card saying it was still open in the XXXX and I needed to close out the card. That is when I realized my card had been over drawn. I told Capital One that I wanted to file a dispute. They told me what to do and sent me a site where I could download my receipts and all my info. They told me they would be in touch with, XXXX by email. I told them I could not get into the app on my phone. I kept checking my phone and nothing. On XX/XX/XXXX I called Capital One and they told me the info I had sent was to small to read. I told them the file they sent me would not take all my info unless I shrunk it down. They said this was the last day to file. I got all the info and fax it to them. I called Capital One the next day and they told me I filed to late and there was nothing they could do for me. I told them I had nothing to show for the {$6000.00} that was on my card. I told them I didn't understand why they let the transaction go through as it was over my credit limit and also that they had flagged my card. They told me they would check into things and get back with me. I waited and called again and was put through to the fraud expert she was not very nice and I told her I had not raised my voice or got ignorant with her. I called again the next day desperate. This time I got someone who said he would help me. He gave me a number to call the company and it was a non-working number. Again I heard nothing. The last time I called I told them I was going to take this further. The woman told me she would do a three way call with the business. I did not feel comfortable with that. I need help and I don't know where to go for it. I have a credit card bill for {$6000.00} and nothing to show for it. I just want the money to be taken off my Capital One Master Card bill.
Consumer complaint received 2022-11-17
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-11-17
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. (ND)

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 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX has several accounts from XXXXDept. of Education that are inaccurate on my credit report. Two accounts from XX/XX/XXXX and XX/XX/XXXX are well over 7 years old and the last payments made on these accounts were on XX/XX/XXXX. Activity on these accounts were more than 7 years old. 
Two additional accounts from XXXXDept. of Education were opened on XX/XX/XXXX. I never made a payment on these accounts. They are over 7 years old. 

XXXX and Experian have 2 accounts from US Dept. of Education that were originally transferred from XXXXDept. of Education. They changed the open date from XX/XX/XXXX to XX/XX/XXXX. The new open date is wrong. And they show timely payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are wrong. I never made a payment on these accounts. They are over 7 years old. 

XXXX and Experian have the wrong last name on my credit reports. I want them deleted. 
XXXX has several wrong phone numbers on my credit report. I want all of those numbers deleted. I don't want a telephone number on my credit report. 
XXXX and Experian have an inquiry on my credit report that I did not authorize. I want them deleted.
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc (MO)

Unknown Collection Medical Debt : MCA Management CO Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

I pulled my credit report and noticed Paramount Recovery on my reports. I called them on XX/XX/XXXX to find out more about the account. I spoke to XXXX she stated the account they were collecting on was for XXXX XXXX for {$460.00} for service on XX/XX/XXXX. I advised her per my Explanation of benefits ( eob ) I did not owe for anything and I had never received anything from them about this. She told me she could not send anything because the 30 days to dispute the account was over. I told her I had no knowledge of the account. I asked her who was XXXX and she could not tell me all she told me was that it was from services at XXXX XXXX XXXX. I asked her could I call them to which she told me no that they would not know about it. I asked her how could I get in touch with XXXX and she told me she didn't know how. Upon calling XXXX only pulled up my account by my name she never asked my social or dob to confirm it was me only my address. 

XX/XX/XXXX I called and XXXX took my call. I explained to XXXX that I spoke to XXXX yesterday and wanted to speak with a manager because she was not able to give me any information. He confirmed me by my ss dob and address. He then told me there 3 accounts for me. 1 being my minor child and 2 for my adult child. I explained to him that my adult childs account should not come up under my social. He wanted to tell me maybe because she was in my care and I told him no she is an adult and they have my social linked her account and that is wrong. He told me he would get me a supervisor. He blind transfers me and the phone rings several times then a voicemail comes on. 

I call right back a second time and I get XXXX again. I told him who I was and I asked him what happened and I could hear him laughing and someone saying " I told you '' in the background. XXXX then proceeds to collect on the account asking me how I wanted to resolve the account. I told him I didn't because they have not proved to me it was mines and I wanted a manager. He also tried to tell me that he could not talk to me about my adult childs accounts. I told him I didn't ask him to. I also pointed out the fact that he mention the accounts to me tells me they are under my social which they should not be. He transferred me again to the voicemail. 

I called back and I spoke to XXXX XXXX and told her she was my 3rd call in less than 10 minutes. Explained the issue, what happened with XXXX and that I needed a manager. She told me that the manager was at her desk and she would transfer me. A different lady answered and asked did I need a manager I said yes she transferred me to the same voicemail
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (GA)

I received another collections notice on my credit report for the same account for {$290.00} under the same Client Name " XXXX XXXX '' though it was sold from company Merchantile to a company called XXXX. XXXX, XXXX. I have already made XXXX, Merchantile, and Credit Bureaus aware of this situation and the collection was previously removed. I even previously disputed with CFPB for this same account but again the account was sold to another company. This is related to CFPB complaint # : XXXX. This is not my account, I never allow anyone to use my personal information for this account. I was completely unaware the account/situation until it showed on my credit report for collections. Please remove the collections from my report.
Consumer complaint received 2022-11-22
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. (IL)

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

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXX  # XXXX has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-20
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (DE)

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (OR)

XXXX   XXXX   XXXX    : I finished my 9 month student loan re-habilitation to get out of default and my loan was transferred to Great Lakes.        XXXX   XXXX   XXXX    :  I setup a {$1 60.00} monthly auto-pay through Great Lakes at mygreatlakes.org for the   XXXX   of every month.   I make a {$160.00} paymen t ( not a uto-pay ).         XXXX   XXXX   XXXX     : I receive notification my  XX/XX/XXXX  payment did not go through due to " invalid routing number '' they say.   I contacted support and they re-entered all of my banking information.   Support says its fixed, but my  XXXX  payment is never processed.       XXXX   XXXX   XXXX   : I receive a notification I am enrolled in auto-pay for {$160.00} and my next payment will be withdrawn on  XX/XX/XXXX    XXXX   XXXX   XXXX   : My first auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be  XX/XX/XXXX    XXXX   XXXX   XXXX   : My second auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be   XXXX     XXXX   XXXX   XXXX   : No auto-pay is made, and I am not aware of this until I check my account statements in  XXXX .       XXXX   XXXX   XXXX   : They withdraw {$69.00} for an auto-pay on a date I did not schedule, and an amount I did not authorize.       -- -- I am going to make an attempt to correct this with their support on Monday, but I feel this is a pretty grievous mess-up on their part and am very concerned my loan status could be affected by their mistakes.     I also feel like they are doing this on purpose so that now I have to pay more interest ...
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (IL)

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

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name:XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name:XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My information was used by an individual in XXXX XXXX  that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts 5+ different institutions. I have locked all my credit bureaus.