davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (DE)

Hello, I recently received a copy of my credit report and I noticed an inquiry that I did not authorize and of which I do not have knowledge. Please be advised that by law no inquiry can be place on my credit report without my authorization. I am requesting that this inquiry be removed immediately from my credit report. I Remove the following unauthorized inquiries from my credit report : XXXX. XXXX  XXXX  XXXX : XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  I HAVE ATTACHED MY CREDIT REPORT THAT SHOW THE HIGHLIGHTED INQUIRES. PLEASE DELETE THESE UNAUTHORIZED INQUIRES!!!
Consumer complaint received 2024-04-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TN)

The company Cain and Warren a collection agency had sent me bills on behalf of progressive ins company to collect a old bill from XXXX.I did pay this bill and I will have a trace put on the money order I sent them .They also sent me a letter and changed the amount which was to be odd.I paid them.I recently am trying to change my insurance to progressive  and I received a new quote # XXXX.Also number for Cain & Warren XXXX Progressive is saying I owe them {$51.00} this is the frist time I have heard thus from either one of them. This is blackmailed and frude at its best.Cain and Warren where harassing me so I ask them to stop calling my phone but I did state to them to send my info in the mail. Know since I am trying to start a new policy with Progressive this just all of a sudden came up something is really wrong with this.it us XXXX and I have not heard anything from Progressive  or Cain and Warren on this issue until now.The money order company is XXXX XXXX XXXX XXXX XXXX XXXX in which I paid them. They would only have my old address and a money order for Cain and Warren for XX/XX/XXXX is when I paid them from my notes. My phone number is ( XXXX ) XXXX my email is XXXX. I can be reached anytime.
Consumer complaint received 2023-07-25
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. (TN)

I HAVE NO acknowledgement OF THIS ACCOUNT XXXX XXXX XXXX. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. 

ALSO, ADDRESSED I NEVER LIVED XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX
Consumer complaint received 2024-04-04
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

I made a dispute for a charge made on XX/XX/2024 in the amount of {$5700.00} and the initial dispute was made by phone then followed by mail dispute that included attachments. 5/3 denied my claim 2 times then I made a complaint with cfpb and I was notified by a XXXX from the office of the President at 5/3. She advised she would contact the disputes department to find out what was going on with my complaint. XXXX had no knowledge of my case and I soon learned she is just a liasion to satisfy the cfpb process, but she actually did not handle the claim, she simply contacts the departnment and passes the information. I supplied numerous pieces of evidence that this charge was not valid. I have continuously paid my credit as to not have any negative credit history. I had disputed at least 4 additional times but in this complaint I am now submitting proof from the State of Michigan that this business did NOT supply me what I paid for. I notified 5/3 in due time to reverse the charge and now so much time has passed yet I still owe the bill. I am asking to have this removed from my account immediately.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

I disputed a account on my Experian credit report and they came back and informed me that the account was mine and has been verifed. Because this account is so old and outdated the information listed on my Experian credit report ( XXXX XXXX account XXXX ) is not 100 % accurate. This account is charged off going on 6 years.. I was hoping Experian would provide me more information than just saying " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NJ)

This is 2nd time Zelle has suspend my account. When asked why it was frozen they said because of someone sending me money. This is the dumbest reason I have ever heard. 

Only time I received money is from my tenant. 

Why am I being punished for someone elses issue. 

This is discriminatory pretice.
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I have reason to believe that there are discrepancies in how my voluntary repossession was handled by Nissan Motor Acceptance Corp. during my illness. They are reporting a balance of {$8100.00} on my credit reports and this inaccurate information is damaging my credit. Via email I would like to receive copies of the following documents for my lawyer to review : 1. retail installment contract ( all copies ) 2. All copies of correspondence from NMAC regarding the repossession 3. Copy of auction notice with date and location 4. Proof of delivery of the auction notice 5. Sale amount 6. Letter confirming the deficiency balance 7. Computation of vehicle value at time of auction 8, Disclosure as to whether auction was a public or private sale 9. Accounting history of all payments received by Nissan Motor Acceptance Corp.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 

2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. 

I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality.

With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. -D/B/A XXXX XXXX
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (GA)

I text XXXX Customer Support ( Goldman Sachs ) about an authorized charge on my account back in XX/XX/2020. They suspended the charge and ask the vendor XXXX XXXX XXXX   for information about the charge in the amount of {$260.00}. No information was ever provided to me yet XXXX reversed the credit and charged my account again. I asked to have the account closed due to their poor service. I paid off the balance and asked XXXX to refund the money to me for this fraudulent charge. While they keep reciting you'll never be held responsible for paying for a charge you did not make they will not permanently credit me or show me signed proof that I ordered some ridiculous XXXX hear whatever that is! I tried recently and was transferred to several Goldman Sachs reps who I could not hear on the phone and requested a call back from a manager as well as a refund. To date I've received nothing from XXXX. Please help!!!!!
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

XXXX XXXX XXXX called me- they said they are Bull City Financial Solutions. They wanted my personal information. I did not disclose any more than my first and last name. I told them I had no debt and asked why they were calling me. They said they would not disclose why until they had more personal information from me. I refused and they hung up. I am reporting them because I believe they are operating a scam as I have no debt.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (RI)

When I contacted this company they referred me to a law office and when I called the law office they refused to talk to me about the case stating its on hold. How am I supposed to resold this case if cant get any information about it and its ruining my credit score and preventing me from pursuing wealth in a fought for. Please help if you can, happy XXXX
Consumer complaint received 2024-04-04
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: SANTANDER HOLDINGS USA, INC. (FL)

According to the FCRA/ REGULATION V. Section 623 states that a furnisher must not furnish inaccurate information to a CRA XXXX and also, according to the 15 USC 1681bi , Permissible Purpose applies to CRAs and furnishings. Also, the Fair Reporting Act ( FCRA ), 15 USC 1681et seq., governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information assembled by CRAs. 

With that being mentioned, on all three credit reports, there are inaccuracies in the " date of last activity, '' which tells me that my Credit report was not being adequately verified as asked several times before. 

In XXXX of XXXX, I submitted a letter, DL, and SS card, along with an image of their inaccuracies, requesting that this violation be deleted for SANTANDER USA account # XXXX. 

The LAST activity dates are showing XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 

Attached, you will find the documents that were sent to all three credit bureaus requesting that this account be deleted per the FCRA for violation of my rights. In return, I received the generic information stating once again that the information was correct. XXXX sent five letters after saying that my information couldn't be located in their system. '' As mentioned, my DL and social security card were included in my request to DELETE.
Consumer complaint received 2020-09-30
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: WELLS FARGO & COMPANY (CA)

Wells Fargo opened a fraudulent personal loan under my name and social. I've reached out to Wells Fargo and the credit reporting agencies various times to try to resolve the issues directly. Unfortunately my request has fell on deaf ears with Wells Fargo and XXXX. I was provided information by Wells Fargo for the loan and upon review no information matches mine. The address used in the application never belonged to me and the signature page doesn't match mine. 

Also the company listed in the application I never worked for nor had any association with me. Lastly the tax returns that were provided are fraudulent and never filed with the IRS. Had Wells Fargo confirmed all the stated facts it would've prevented this fraudulent nightmare that's affecting me and my family. 

XXXX  has also failed to hold Wells Fargo to a higher standard and has also ignore the material facts in investigating this claim.
Consumer complaint received 2024-03-28
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (GA)

I received a call from this company stating they contacted me via mail. I had not received anything from them saying I owed a bill on the apartment I had just moved from. I asked for the company 's name, and the lady I spoke with did not provide the information, so I ended the call. I called back a few days later and talked to another person to try to verify the company again. This lady was vulgar ; I only asked for the company 's name and if I could make online payments. I informed her that I was not making any payments until I could verify they were legitimate companies. This woman was vulgar and loud and continued to cut me off as I spoke ; she made multiple threats that she would report this on my credit if I were not going to pay her in full. I never told her I would not pay ; I only asked that she stop being rude and trying to intimidate me. She got angry and loud and then abruptly transferred my call to the first lady who made the initial phone call to me. 

Recently, I received another call from the same company from a young man named XXXX ; he called from a spoof number with a XXXX area code ( XXXX ). He then informed me that the company 's name was IQ Data International and that the company 's number was XXXX EXT XXXX. I asked him for a website to verify the information, and he became vulgar and aggressive in his tone ; he started yelling. I asked him not to, and he toned down for a moment, escalated again, and demanded payment. I told him I was willing to pay but wanted to verify the company first, and our conversation ended with me ending the call. He was combative in his discussion and continued to over-talk me.
Consumer complaint received 2023-05-18
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: ENCORE CAPITAL GROUP INC. (ME)

I have provided proof many times that I was out of the country and an unknown third party took out many accounts in my name without my knowledge or consent. Despite this, Midland Credit Management illegally posted an old account that does not belong to me on my credit again to attempt to extort money from me.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (GA)

I have been with Wells Fargo auto for over a year and they have not once reported to any credit bureau. Today I tried to call and get them to fix it but they said it would take a few weeks. I dont have a few weeks to wait when this should have been reported toy credit so I could see an increase of score! Now Im trying to trade car in and they wont accept my trade in because my car loan technically doesnt exist.
Consumer complaint received 2020-03-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I've called the credit bureau and disputed it several times the have said I owe to different amounts and then when I disputed it they sold it to a different company XXXX  XXXX XXXX first investors got paid by the insurance company and still was trying to make me pay two different amounts
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AZ)

My account was closed by XXXX XXXX  on XX/XX/24 because physical address was not met. I had updated my address multiple times online but after the closure they said I needed to do it over the phone, which I was never told about. 

They said they mailed my check for {$XXXX}, which I never received. Then they made me wait 22 days to reissue a check. I called back today to ask for the reissue and they said they will be mailing an affidavit and once they get that back I have to wait 90 days to get my check. 

I don't know how it's legal to tie up my funds for 90+ days without my authorization and everyone at XXXX saying there is nothing they can do.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

Everything you just said are lies and make up just to steal my money and keep it, I asked XXXX XXXX they said the money was refunded to the bank for Claim ID XXXX I have the proof of from them let me know if u need it This Claim ID XXXX too was for an artist XXXX page and the company wasnt able to do the work and they ran away so youre lying again here let me know if you need proof what about the XXXX too please give my money and stop lying you have it I pay a seller about {$850.00} for promotion and he couldnt deliver so I requested a refund which he did but chime havent send the money to me yet, I even attach the final ss of the dispute from the seller that the bank has my funds, another is the {$1000.00} for the same music promotion and XXXX page they couldnt deliver I open a case they got the money but refused to give it, the last was the XXXX XXXX XXXX said they refunded the money but chime havent given it yet please b4 you close my account can you write my {$2200.00} check? From my disputes I will attach the ss of each dispute I save it just in case you want to say Im lying because you can do something like that and let me know if you need more information or evidence this I will provide all the info I got them save
Consumer complaint received 2023-02-09
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. (AR)

In accordance with the Fair Credit Reporting Act CREDIT XXXXXXXX XXXX  account number XXXXXXXX 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, 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 2023-02-09
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. (AR)

In accordance with the Fair Credit Reporting Act CREDIT XXXX XXXX account number 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, 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 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian should not be reporting a collection/chargeoff in the amount of {$900.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to continue to investigate this complaint. ) This account has been paid. I have attached a copy of the payment letter. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-10-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Called by a woman, she wanted me to " identify '' myself/verify identity with her, I told her I don't do that for people who call me and that I was going to bed for work. She interrupted me and said " yes and this is the last five minutes my office is open too '' in an antagonistic tone and that she worked for BECU and she called me by my name, I again told her I would be going to bed and she interrupted me again. Offended I asked her for an employee number, she gave me her name but, refused to give me anything else other than " XXXX working at BECU '' I attempted to call BECU back after she refused to give me any kind of employee ID but, they were closed.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (NJ)

I ENTERED INTO AN AGREEMENT WITH AMEX THAT I WOULD PAY MONTHLY ON AUTO PAY AND THEY WOULD NOT REPORT ME AS A CHARGE OFF ; IN ADDITION THIS ACCOUNT IS OVER THE 6 YEAR STATUTE OF LIMITATION FOR NEW JERSEY. THIS COMPANY REFUSES TO GIVE ME A SIGNED CONSENT, AGREEMENT, PURCHASE AGREEMENT, RECORDED CONVERSATIONS AGREEING TO THESE TERMS. THEY ARE REPORTING ME AS A CHARGE OFF ; I DID NOT AGREE TO THIS. IF THEY DO NOT CORRECT THIS I WILL END ALL REMAINING PAYMENTS AND XXXX AMEX, THE CREDIT REPORTING AGENCIES FOR NOT REMOVING THE ACCOUNT AFTER THE 6 YEAR STATUTE OF LIMITATIONS. AMEX HAS DESTROYED MY CREDIT RATING. THEY ARE ALSO REPORTING THIS AS CLOSED BY XXXX XXXX.