davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

I made a purchase of a gift card reload of {$1900.00} with my Barclaycard Rewards Mastercard. I then noticed a cash advance fee was charged to my account. This transaction was not a cash advance and was incorrectly coded as one. In addition, I had previously set my cash advance limit to {$100.00} when I originally opened the card in XX/XX/XXXX. Therefore, if this transaction was going to code as a cash advance, it should have been declined and not gone through in the first place. I tried to resolve this with Barclaycard ( spoke with a representative named XXXX on XX/XX/XXXX ) and while they finally refunded the fee after much debate, they were unable to do anything to correct the incorrectly coded transaction. I was specifically told " this transaction was not declined based on your cash advance limit because it was a manual transaction and was not a cash advance '', which contradicts everything else I was told.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Ok so I received a check for a settlement loan company XXXX XXXX I had just opened up a.bank account with Citi bank I walked in branch to deposit check for XXXX $ $ the teller told. Me since it was a. New account I 'd have to wait five days ok that 's fine next day XXXX try to log in my online banking and it says no account t To display as if I did n't have A account so I call customer service spoke to some lady who tells me where I got this check from I tell her it 's a settlement loan then I said u.can call to verify if there 's an issue with check she says they tried calling to verify but that they were told account number check was drawn out of isnt a real account then she tells.me my card and any access to funds will b restricted til XX/XX/XXXX when they will know if check will be paid or not once again I have no access to my money if I was n't in need of my money why would I b asking for a loan it me just ridiculous and I do n't get how they can do that block my card and restrict access to my own money
Consumer complaint received 2017-07-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto Finance allowed someone to use my information and obtain an automobile loan in my name by using my correct personal information that was obtained as a result of identity theft. I have tried to communicate with Capital One Auto Finance that this was a fraudulent account, but they have refused to hear me and have continued to attempt to force me to pay the fraudulent loan amount. I have never done business with Capital One Auto Finance, but they have plainly told me that it was my fault that my identity was compromised and that I was responsible for paying them the fraudulent loan back. They have refused to accept my police report and identity theft affidavit and told me they would continue to ruin my credit until I paid them back the fraudulent loan balance. They continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (FL)

I contacted cash app Inc on XXXX  to close out accounts associated with my social security number ending in XXXX XXXX XXXX recognizing that an identifying certificate such as my social security number is associated with accounts I was refused the right to close all accounts associated with the social security number I requested that the counts be closed and all debts settled in good faith and a transfer of funds available to a new account that I designate.
Consumer complaint received 2017-07-21
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: EQUIFAX, INC. (FL)

I have sent certified letters, documents, made contiounous phone calls in reqards to unathorized inquiries and a collection account that i have requested verification of and have no knowledge of and still havent got items removed yet
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-08-28
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 XXXX Account # 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
Consumer complaint received 2022-05-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (TX)

Financial Asset Management Systems has been calling me non stop from about 15 different numbers for over a week. They did not leave one voicemail when they would call 4-5 times a day, so I believed they were spam or fraud. I JUST got a letter in the mail from them today, and the number on the letter is NOT one of the numbers they called me from.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NJ)

An account was placed under my name erroneously. Since then, BARCLAYS BANK has damaged my name, and my credit file. Has entered derogatory information into my credit file. I should not be responsible for BARCLAYS BANK mistake. Please remove the following information from credit report. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report and Police report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. <P/>BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE, XXXX XXXX RE : Account # XXXX FTC report Number XXXX
Consumer complaint received 2017-07-12
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (MA)

I have told this particular debt collector I would contact them as soon as I was financially stable to start making payments, to which they told me to ask family and friends for the money which is absurd. I get atleas t 3 c alls a day some after  XXXX . I got called in to work on my day off to be told I was being let go for the call they made to me while I was not at work. Its emergency call ins only and they tied up the phone. So now I am unemployed and the entire office knows I 'm in debt with bogus student loans from a fake school.. XXXX  College.
Consumer complaint received 2022-05-26
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: AES/PHEAA (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 34 CFR 685.219 - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (OK)

My account has had unauthorized transactions over 10 only 2 went through after they cleared my account I dont even own a XXXX it happened while I was on my lunch break at work Ive gotten no assistance or help, I filed a dispute and have gotten no information or help
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

XXXX XXXX XXXX  continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: On-Site Manager, Inc. (WA)

I was recently denied an application at XXXX XXXX in XXXX. They used a rental check service from http : //www.on-site.com/renter-relations/. Their website claims that renters can obtain a free rental report by submitting a form on their website. I have submitted a request on XXXX XXXX and XXXX. I have not received any form of communication relating to my rental report. 

I have tried using their live chat who said that they could n't help and recommended that I call their phone lines. I called their phone lines and have waited over 45 minutes 3  times without getting anyone on the phone. This company has given me a XXXX rental rating which in turn is making it hard for me to apply to apartments. There is no way for me to communicate with them to see what is on my rental report so I have a chance to dispute if there are any inaccurate reporting. 

I have attached email confirmation of my request for rental reports.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND CREDIT INQUIRIES THAT I HAVE NO KNOWLEDGE OF AND ARE NOT MINE. I NOTICED MORE INQUIRIES FROM CREDITORS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT AUTHORIZED THESE TRANSCATIONS. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND MAIL ALERTING THEM OF THESE ACCOUNTS. I REQUESTED VERIFICATION, AND THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORAMTION TO BE FURNSIHED TO MY PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. FURNISHING INFORMATION RESULTING IN IDENTITY THEFT FURTHER VIOLATES 15 USC 1681C-2. 

THIS INACCURATE INFORMATION BEING REPORTED TO MY PROFILE IS SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-03-12
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. (IN)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (NY)

report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unathorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX UNAUTHORIZED FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX,
Consumer complaint received 2017-12-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Golden Green Services LLC (WI)

I had a loan at an XXXX XXXX XXXX store in XXXX, Wisconsin and then the store closed. They never notified me that the store closed. Then they took money out of my bank account also without any notice and they had never done that before. So I drove by and found out the store was closed. Then I received my contract back, paid in full XX/XX/XXXX. After that, another company ( Golden Green Services ) took money from my bank account. I disputed the debt and requested debt validation by certified mail  within 30 days of discovery, which was accepted by Golden Green Services on XX/XX/XXXX. I also asked in the certified letter to only be contacted by mail. Since then I received an email from Golden Green Services with the XXXX XXXX XXXX contract with the Golden Green name superimposed on it. And now XXXX XXXX XXXX is calling me at home and at my work and they threaten to keep calling my work number.

Both companies are claiming the same debt which is why I requested debt validation in the first place.
Consumer complaint received 2024-03-12
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. (TX)

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. 

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 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

n accordance with the Fair Credit Reporting act 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 U S DEPT OF ED/XXXX XXXX XXXX AND 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-26
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)

n accordance with the Fair Credit Reporting act 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, U S DEPT OF ED/XXXX XXXX XXXXXXXX AND 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-09-14
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. (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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-30
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: EQUIFAX, INC. (LA)

I have tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

On XX/XX/XXXX I took my son, XXXX XXXX to the ER at XXXX XXXX for appendicitis. I received a bill for account number XXXX for {$2700.00} which I paid in full with check number XXXX written XX/XX/XXXX. On XX/XX/XXXX I received a new bill for {$100.00} - this time charges for XXXX XXXX account number XXXX from XX/XX/XXXX ( 5 YEARS PRIOR ) were added to the bill. The new bill showed a balance of {$100.00} due. A balance of XXXX for XXXX and a balance of XXXX for XXXX. When I called XXXX I was told the allocated some of the payment I made for XXXX to these charges for XXXX, leaving a balance. I told them I had no idea what the XXXX charge was, that I have lived at the same address for 17 years and have never received an outstanding bill and that if I could pay {$2700.00}, I surely would have paid {$100.00}, but this seemed like fraudulent billing and I wanted all of my payment credited to XXXX 's bill. I continued to receive bills on XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I received a collection call from XXXX XXXX. I never received anything in writing from them re : a collection of a debt. When I spoke to the debt collector they agreed that the charges didn't make sense and recommended I dispute the charge, which I did on XX/XX/XXXX. I have received no further calls or communication ( Ie : response or resolution ) regarding this matter until yesterday when I received a new collection letter from Medical Revenue Service. It seems that instead of responding, my debt was sold. I will dispute this again.