davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (OH)

In XXXX XXXX XXXX I applied to a job that sent me a check only to find out the job was spam upon trying to cash a check that was received from the company to purchase equipment to work. Upon being advised Id cashed a fake check I acknowledged to the bank PNC that I was not aware the check was fraudulent until theyd notified me. Around the time of applying for jobs and receiving the fraudulent check my identity had been compromised. I made law enforcement aware of this and was advised to make a police report. Id placed a block on all of my personal information and credit. As of XX/XX/XXXX, Midland contacted everyone I can think of that I may know personally as well as people I dont know whatsoever to make them aware of this supposed debt that is owed. Midland stated I have a debt of roughly XXXX XXXX owed to XXXX separate companies, XXXX that I am unaware of aside from PNC . Midland threatened to garnish wages as well as provide a claim to a previous home address of mine and stated if the attempt to receive confirmation of my ID & /or signature were not obtained Id be forfeiting all possible options of a settlement. I do not agree with the settlement and therefore I am not going to pay on the settlement whatsoever. I also dont feel comfortable to verify any of my current information as Midland is very aggressive and rude with their employees as well as supposed couriers they use.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

On XX/XX/ I reviewed my credit report with Equifax. The following week on XX/XX/ I logged into MyEquifax.com and attempted to pull a current report, only to get an error message of XXXX asking me to contact Exquifax by phone. I reached out to Equifax using the number provided and spoke with an agent explaining the error I received when attempting to obtain a current report to ensure its accuracy. After several attempts at trying to figure out the issue, the agent explained that they would create anticket for the issue to be repaired and that they would reach out once the issue was resolved. As of today, XX/XX/ the issue is not resolved. I applied for merchandise from a creditor who reported back that there was an error obtaining my credit report from Exquifax and to reach out to Equifax regarding this issue. I immediately contacted Equifax in which they verified that they could see my report as they used it to verify me and as yet there was still no answer to the ticket submitted previously back in XXXX. At this point I have been unable to review my credit report since XX/XX/XXXX to verify its accuracy and cant obtain any credit through my credit report with Equifax due to this unresolved issue.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We opened a business account with Bank of America on XX/XX/2023 and we have received checks made out to our company but the bank will not allow us to have access to our funds at least 10 days later. They are holding our checks as they see fit. Initially we were told the funds would be available the next business day or if there was a hold it would be on checks over {$5500.00}. We have had checks under {$4000.00} deposited and they are holding them for 10 business days or as they see fit as we were told by a branch manager. I asked for a copy of a signed agreement where these terms were specified but there is nothing we signed agreeing to that. Our business has been negatively impacted by this bank since we can not access our funds in a timely manner. I believe they are holding our money unjustly and doing whatever they want with their customers. They are misleading and they did not disclose any of this information at the time we opened our account.
Consumer complaint received 2024-09-29
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. (AL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX. account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I purchased my car from US Auto about 3 years ago. At the time I purchased the car the amount on the payment was very high and I spoke to them in decreasing my payment due to financial situation or take back the car for a lower payment or better car where I was having issues getting in and coming out of the car was not good for my size and let them know I was having issues with the car and then putting tracking system in my car that was causing my battery to die at times. I reported it several time and they refused to fix until after my car shut down and they had to send someone to come a fix it. Now my car have been sold to another company that took my payment over without me knowing about and notice that I have pay about XXXX into the car and still have about XXXX left on it in which the other company is trying to collect on. I am in financial hardship and explain that to the company and would like to trade it or refinance my car and not getting the answer I need to get out of this car. Now I am hearing over the news. That Us auto is under federal investigation due to illegal repossessed people car and stated they are in Bankruptcy. I would to know if they can be any stop payment of my car since it's a XXXX XXXX XXXX and it over the market price. So the vehicle is already pay for. I need some help in this matter.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: OneMain Finance Corporation (MD)

In XXXX I had an active car loan account with OneMain Financial. I fell behind on my payments due to an injury that kept me out of work. When I eventually returned to work my car broke down, I called Onemain and let the manager know that I would be getting another vehicle from a dealership and asked if I would be able to consolidate my new loan with my existing loan, the manager told me I could. She told me to go the the onemain website to set everything up. When I went to the onemain website I was denied. The reason was because I had an existing loan, even though I was told they could do the consolidation. 

Because of the amount, I told the manager that I would not be able to pay two car loans. Onemain continued to charge my account even though I voluntarily gave up the account. This past XXXX they finally placed my account with a collections agency. I was misled about my ability to combine my new vehicle with my old account, if I was given accurate information it would have definitely changed my plans on a purchase. I would have looked to buy an old used vehicle outright for less money while continuing to pay off the loan. Now my credit has been dinged because of misinformation.
Consumer complaint received 2023-03-10
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. (NC)

I have submitted multiple request to update my loan information with disputes. I've provided documents and I have been on the phone with 3 people XX/XX/XXXX for about 2 hours with XXXX. 

I'm getting denied credit because of their error... they have the XXXX payment showing at {$1500.00} and it is not correct... it's should be {$0.00} until XX/XX/XXXX.. next year and then it will go to {$470.00} ... this is hurting my debt to ratio and killing any changes of my being able to get credit. 

XXXX had my income incorrect... I was able to manually correct that ... but the monthly payments can not be changed. See the attached document for the details. 

NOTE : Please send this information to all the Credit Bureau 's ... so that we will be sure that all will be resolved soon... if there are issues. Thank You, XXXX XXXX XXXX Cell
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (FL)

In the last three days I have received two text messages from Dynamic Recovery Solutions stating that this is an attempt to collect a debt I have with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They asked for my contact information ( really?? ) and the last four digits of my Social Security No. 

I have no idea what they are talking about. I will not contact this company because I believe they are up to doing something illegal. I need to know how I can stop them from possibly ruining my credit. 

I have checked them out on line and this type of action seems to be their company mission statement.
Consumer complaint received 2023-02-11
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. (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of extensive identity theft, and I DID NOT MAKE OR AUTHORIZE THESE CHARGES. Someone has been impersonating me and using my stolen identity for housing, loans, and credit cards. In addition, my purse was stolen that had my passport, phone and wallet -which included my social security card and drivers license. Also, this person has my phone number ; therefore, I will be changing the phone number on my Fraud Alert with the credit reporting agencies as they are required to contact me before approving any credit or loans. This person has taken advantage of me working and teaching abroad in XXXX and has used my information in the states while I was gone.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

I was XXXX from XX/XX/XXXX until XX/XX/XXXX there was an account opened up with XXXX in my name that I did not authorize nor agree to. I have tried to explain several times to the collection agency that this is not my debt but they refuse to remove it from my credit report
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I have tried to use the AMEX gift card at XXXX XXXX, XXXX and XXXX. Both XXXX XXXX and XXXX took {$0.00} out, but then the card was declined for a {$100.00} purchase. I have {$130.00} in the account. XXXX XXXX has now said on their website that these cards can't be used on site. But offers no way to purchase special order items ( that have to be shipped to store ) to be picked up at a store. XXXX does not have any kind of warnings. XXXX took my information, but it couldn't be processed. 

I tried adding to XXXX, XXXX refused it also. 

I was successful at another on-line retailer ( XXXX 's XXXX ). 

I called the number on the gift card but there's no information on how to talk to a representative. Website provides infomation on how to add card details but no way to contact AMEX.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (FL)

I purchased my car through XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX. When I purchased the vehicle I was serving the XXXX XXXX XXXX and My Wife who is the co-signer was currently full time in the XXXX XXXX XXXX I have made over XXXX payments on this vehicle to date at a XXXX percent interest rate. According to the SCRA we were supposed to be capped at 6 % because of our military obligations. The amount financed was XXXX, as of today I have paid a total of XXXX, XXXX in interest and XXXX in principle.
Consumer complaint received 2023-08-11
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: SERVISFIRST BANCSHARES, INC. (AL)

Company is in violation of USC 15 1681 ( a ) ( 2 ) ( i ) which states that a consumer credit report doesnt include information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (FL)

Always had money missing or overdraft fees I could never explain. Would Have a certain amount money at one point then my account would be overdrawn. It was a lot of unexplainable activity going on in my account for years.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc (DC)

Verisk conducted an investigation and claims that no consumer report was found in a recent communication from XXXX XXXX XXXX XXXX XXXX. The following items ( including but not limited to ) were found in my XXXX report, which were reported by XXXX : XXXX  XXXX Source  Details : VERISK ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is not my name. ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Source Details : VERISK ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is my former address and connected with my name, so I am in your system. ] XXXX, XXXX  XXXX Source Details : VERISK ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is not my address. ] XXXX Source Details : VERISK  ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is my phone number and connected with my name, so I am in your system. ]
Consumer complaint received 2023-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Palm Beach Credit Adjustors, Inc (FL)

XXXX XXXX XXXX from XXXX XXXX XXXX sent a bill for {$640.00} to a collection agency that ruined my credit score for a emergency room basic procedure of stitches from 4 years ago that was covered by medicade to a group namedXX/XX/XXXX and never tried to tell me they were attempting to collect the money so I could pay or give them my insurance information again. They waited until I started building my credit history and score and then put a derogatory mark against me that destroyed everything I worked to accomplish paying my bills on time as a young adult for many years. Im highly disappointed and frustrated and frankly insulted that they did this to me.
Consumer complaint received 2023-08-11
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right 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 1666B : A creditor may not treat a payment on a credit card or car payment account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid 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: Atlanticus Services Corporation (PA)

In XXXX of 2023 I received a text message from Fortiva Credit Card company that stated your payment is past due pls click on link and make your payment, or call us at.. I didnt recognize the name Fortiva XXXX company so called the number they provided. I spoke to a representative and explained that I dont have a Fortiva account. During our conversation we noticed that on my online application the address on the application was different then the address she had on file and different then the address the Credit card had been sent to. Application address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pa XXXX. Address CC was sent to XXXX on file was XXXX XXXX XXXX, XXXX, SC XXXX. That address DOES NOT EXIST. After ending conversation I never received an email phone call nothing. XX/XX/2023 received another text from Fortiva and called and explained again the same thing as I did in XX/XX/2023 and the address they had on file once again was different now it says XXXX Sc. Never lived there they said they sent me papers and they where sent back. Yea dont live there. This time conversation ended with fraud department to file dispute. Next day received email to call fraud department. Called them the guy said that on my depute papers I didnt put what charges I was disputing. I replied all of them I never received the card. Thats what I wrote on the papers. He replied I need dates, amount, and store names. I said idk bc I never got the card never received a bill never knew a card was sent. To be honest I said ok I guess I applied XXXX XXXX % chance I did XXXX just dont recall but I know I never got the card. He told me that card was activated from my number. Ok idk how bc the card was sent to SC I lived in Pa. It might have been activated from my number but was it from my phone. Bc someone with draws money from atm from my checking account using my pin doesnt mean they had my card. Its now on my Credit report effect my score. Was reported to credit report XX/XX/2023 same day i filed dispute for XXXX time. I told the rep I want to see them in court to resolve this bc they cost me a bad mark XXXX my score dropped. XXXX they will not resolve this.
Consumer complaint received 2020-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX/XXXX  XXXX XXXX {$23000.00} This is a FCRA law violation. I was never late. 

XXXX/XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2023-03-09
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 a disputed account with furnisher XXXX XXXX XXXX XXXX I closed my account voluntarily on the phone with its agent XXXX and my XXXX credit report of XX/XX/XXXX correctly lists the account as Account Closed at Consumers Request. Moreover, I received the attached notice from XXXX XXXX stating that your XXXX XXXX XXXX account on your Equifax credit report was recently listed as closed Based on your credit report information from Equifax as XXXX on XX/XX/XXXX. However, despite the fact that my account was admittedly reported as CLOSED on Equifax, on XX/XX/XXXX, furnisher and Equifax wrongfully changed the reporting of my account to OPEN and my closed account is frivolously now reported as open as of XX/XX/XXXX to Equifax and XXXX XXXX. The CFPB warned every CRA and all furnishers about the need to have interval controls to prevent this and other kinds of Facially False Data ( closed accounts later being reported as open )..