davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CT)

I received a Letter from Financial Asset Management System, XXXX XXXX. XXXX  XXXX. XXXX, GA XXXX with a Contact # XXXX. Dated XX/XX/20. 
CREDITOR : XXXX ID NUMBER XXXX {$1900.00}, with a PRINCIPAL {$70000.00}, OTHER CHARGES {$40.00}, TOTAL {$72000.00}. Listed on the Letter is a XXXX XXXX, Vice President of Operations @ XXXX. I have requested for the Umpteenth time to be Released as Co-signer from all Loans.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My son received a check from a law XXXX but since he's an a XXXX facility we sign a power of attorney documents and then I open an account online on my son 's name then when check arrieved I deposit de check on the ATM machine, now the bank is refusing giving me access to the account due to suspicious activity on his account. I proof with the bank in person and by phone who I'm with documents many times for the las 6 months and they still refusing giving access to the account.
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (VA)

This is my son 's account. Notified the original creditor, XXXX XXXX , XXXX account # XXXX in the amount of {$180.00}, that my son is incarcerated and would be there for an extended period of time. This debt, in turn, was passed on to another creditor, by the name of XXXX XXXX XXXX XXXX reference # XXXX. They were given the exact same information that the original creditor was given. Then, the current creditor, Dynamic Recovery Solutions , LLC, or DRS for short, address : XXXX XXXX XXXX. XXXX, SC XXXX reference # XXXX has just mailed me a collection letter dated XX/XX/2020 expecting payment in the amount of {$180.00}. I have not called the current collector as of yet since I just received this particular communication this morning. The facts are as follows : I am not a co-signer on this bill. This bill is in the name of my son, Mr. XXXX XXXX ONLY, and I had and have absolutely NOTHING to do with this at all! You have the names of three ( 3 ) creditors now, but this has been going on off-and-on for at least five ( 5 ) years, and I want it to stop!
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank for XXXX is reporting inaccurate information on my credit file. They are reporting a late for XX/XX/XXXX & XX/XX/XXXX. I don't recall getting any statements or these months. I've had this account for a very long time, and always make my payments on time. I am requesting as a one time courtesy to remove these lates off my credit report.
Consumer complaint received 2020-03-24
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. (AR)

Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX  # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX  # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Equifax has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In  addition Equifax failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Equifax has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Equifax should be held accountable for violating the Fair Credit Reporting Act.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX XX/XX/XXXX {$1900.00} XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (VA)

Hi, my name is XXXX XXXX, Im emailing you because I have an American Express serve prepaid card from my tax service, and I have been trying to call, even sent them the letter they asked for about then closing my account and not refunding my remaining balance that is on the card, I get emails every week about my current balance witch is {$3900.00} and it has been 2 months since they closed my card. I hope you can help me, thank you so much
Consumer complaint received 2020-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (CT)

On Thursday, XX/XX/XXXX I cashed my fiancs paycheck via my banks mobile deposit option on the Regions app. I have done this dozens of times in the past with no problems. On Friday I received a email that the funds were out on hold and would not be released until XX/XX/XXXX. I called them and asked for explanation which they couldnt give me. I asked them to cancel the transaction and they said the couldn't. I was told by the customer service representative I could try to cash the check elsewhere and that would ultimately cancel out this first transaction. So I went to XXXX XXXX, my fiancs employers bank, the bank that was printed on the check and they told me they could not cash the check because it had already been cashed. I then spoke with the payroll accountant at his workplace and she said the check was completely cashed. But regions keeps telling me its still pending. I spoke to another customer service representative who told me my funds would be held through XX/XX/XXXX, but now its the XXXX and theyre still being held so that was no true. I received another email stating the funds are being held until XX/XX/XXXX.
Consumer complaint received 2020-03-24
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. (AR)

My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-04-02
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. (AL)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge, I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$440.00} SXXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX XXXX XXXX {$480.00} XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX {$590.00}
Consumer complaint received 2020-03-24
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-24
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Affordable Financial Solutions (CA)

I paid {$170.00} to XXXX XXXX with Affordable Financials/XXXX And XXXX XXXX  for Credit Repair and  Restoration that was never completed then she stopped responding to my emails and phone calls. Not mention she got my credit report locked causing such a headache.
Consumer complaint received 2020-04-02
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. (GA)

I been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

Im a victim of identity theft someone got hold of my credit card and used it, which when I first noticed it I contacted the company right away and they canceled that card and send me a replacement card. Then they removed the negative items from my credit report and now its still on my credit report I just dont understand why would I pay for this when Im not responsible for it
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Im a victim of identity theft someone got hold of my credit card and used it, which when I first noticed it I contacted the company right away and they canceled that card and send me a replacement card. Then they removed the negative items from my credit report and now its still on my credit report I just dont understand why would I pay for this when Im not responsible for it
Consumer complaint received 2020-03-24
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: NAVY FEDERAL CREDIT UNION (MD)

An unauthorized inquiry that I did not request was placed on my credit report on XX/XX/XXXX from a merchant Navy Federal Credit Union. This merchant was placed in a Chapter XXXX I filed on XX/XX/XXXX. I believe merchant is continually looking into my credit file after the discharge on XX/XX/XXXX. I am requesting an investigation into this matter. 

Thank you.
Consumer complaint received 2020-03-24
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. (FL)

A XXXX XXXX ACCOUNT WAS PLACED ON MY XXXX, XXXX  AND TRANSUNION CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, XXXX, XXXX  & TRANSUNION CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT ACCOUNT.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AP)

In accordance with 16 CFR Part 641 of the FCRA, I request that the address discrepancy of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX be deleted off both my Experian and XXXX credit reports.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Consumer complaint received 2020-03-24
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. (NV)

I have recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXX XXXXopened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}
Consumer complaint received 2020-03-24
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. (NV)

I have recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXX Loan-opened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}
Consumer complaint received 2020-04-02
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. (GA)

I been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Allied Collection Services, Inc. (Nevada) (TX)

XXXX contracted a third party debt collector named ACSI to debit my account in the amount of {$1200.00} on XX/XX/20 claiming a lease payment agreement. I disputed with my bank the following Monday because I never authorized this transaction. Also I am no longer a XXXX customer. The bank notified me stating XXXX claimed I never returned the devices and I signed a contract. This was a lie, I located emails showing I returned the devices and that the company that debited my account is a third party debt collector posing as XXXX. I never got anywhere with the bank because although I provided supporting documents and complained with the State they came back and reversed the credit. I had no knowledge at the time of what was about to take place nor did I authorize this amount of money to come out of my account. I have suffered hardship due to this fraudulent act.
Consumer complaint received 2020-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (UT)

They withdrew the {$85.00} for XXXX payment on the XXXX of XXXX, Sent me a letter stating they had not received payment around XX/XX/XXXX. On XXXX statement they then said they received the payment on XX/XX/XXXX but had charged me extra interest of {$2.00}. I have been fighting with them to get this corrected with no avail. I have stated repeatedly i will only talk to their legal department at this point and they continue to call me. What has been committed here is both Fraud and breach of Contract so I  refuse to pay any more on this loan do to the lack of listening and harassment of phone calls late at night on weekdays and early mornings on Weekends.