davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2019-07-06
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. (CT)

On XX/XX/2019 my XXXX XXXX was pulled at least once by the XXXX XXXX at XXXX XXXX XXXX XXXX, CT after confirmation that they had pulled the score already on XX/XX/2019 via the online application that I submitted for an auto loan.
Consumer complaint received 2018-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (CA)

I received at letter dated XX/XX/XXXX Notice of Assignment to a Collection Agency for {$75.00} for a violation of toll crossing XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WI XXXX. It stated Ca XXXX XXXX XXXX crossed the bridge without paying at XXXX hours. We have never owned this vehicle or crossed the XXXX XXXX on this date. I called XXXX of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX today at XXXX A.M.and she stated she would take care of the account # XXXX and delete the charges. I have also sent a followup letter to the company in question. As a retired XXXX XXXX employee I researched the company and found several fraudulent activities alleged against it. 

As a senior citizen and retired XXXX XXXX I would like to file a formal complaint against this company who are clearly trying to bilk California 's out of their hard earned money. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (OH)

Victoria Secret Credit card, decreased my {$1000.00} credit limit to {$100.00} after I paid it off and did not use the card for a couple of months. When I went to use it for XXXX gifts for my 3 daughters, is when I discovered they had lowered my credit limit.
Consumer complaint received 2023-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I used my Capital One card for three separate transactions to book a trip through a company called XXXX XXXX XXXX. XXXX XXXX XXXX is a travel company that offered all-inclusive guided tour vacations, and I used them previously for a successful and enjoyable trip. I met several people on that trip that booked subsequent trips with XXXX XXXX XXXX. 

XXXX XXXX XXXX collected customers ' money for the past several years then delayed the travel due to XXXX, and in XX/XX/2022 they sent an email that they are closing and keeping everyone 's money. I immediately filed disputes with Capital One to get my money back since the trips I paid for did not take place, and Capital One denied my disputes and said too much time had passed since the transaction to get a refund, despite the fact that I did not and will never be receiving the items I paid for ( my two trips ). 

I am now out of options as XXXX XXXX XXXX has liquidated and indicated they have no funds to pay their customers back. I have stated this to Capital One and even sent their CEO an email with my supporting documents, only to be told " No '' yet again. So much for consumer protection. This is my last option to get my money back, and it's a little less than {$2000.00} that I am owed.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

I opened an account with Wells Fargo in XXXX and when my direct deposits came in they stated it was fraudulent and they closed the account and never returned my money. They I was told to bring in proof of employment from the company which I did and still nothing
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

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 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 2023-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I opened up a dispute with Paypal about a transaction to XXXX which I did not make. It was a charge of {$980.00} on XX/XX/XXXX. The dispute was closed in a matter of a couple minutes automatically stating the charge was not unauthorized. I contact Paypal through their chat system and was told the purchase was not covered by Paypal protection because it was an authorized payment. They went ahead and told me they can open up the dispute for a different reason which was " Never received item '' opposed to the original " unauthorized charge ''. After telling the agent to go ahead and open up the dispute with that reasoning I was alerted that the case has been resolved and closed in a matter of minutes again. I was so frustrated and did not want to spend days on the chat system again so here I am making a formal complaint against them. I have asked them for proof and documents and was told I was sent those documents through the email which is not true at all. They did not even bother with the investigation to get my money back at all judging by how fast the sealed both cases.
Consumer complaint received 2024-03-18
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)

I am filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

I noticed this account by Columbia Debt Recovery or Genesis Credit Management. I read according to the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. I have never heard of this company and have not signed a contracts or documents with this company which made me file a complaint. The price from the email and what's being reported don't match. The business names don't match. As stated previously no documents have Columbia Debt Recovery or Genesis credit management anything on them. As well as a signature on paperwork looks forged, copied, or unrecognizable. By 15 U.S.C. Sec. 1681i ( a )? I heard that if they cant provide proof, of actual validation of debt or actual documents from Columbia Debt Recovery or Genesis Credit Management these accounts must be deleted. 
Please investigate the following account and remove them if anything is missing or not correct.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (NJ)

I recently reviewed a copy of my credit report and noticed there is a debt from this company with claims that I owe for goods/services/loans issued on my behalf. I don't remember receiving any such things and would like to have the company verify this as such. I sent a request for validation and have yet to get a response to my dispute from the company.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (MO)

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Equifax to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A XXXX ALERT TO MY CONSUMER REPORT!
Consumer complaint received 2023-01-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

I have sent letters to this company in regards to my student loans. this company have violated my rights and also havent responded to my dispute. i have sent them a certified letter since XX/XX/XXXX in regards to the student loans they are reporting on my credit report. i have checked my annual credit report and noticed the late payments on my report but when i look up the law in regards to disputing it states the time of payment is only suppose to be a. transaction between consumer and creditor. meanwhile they have violated by putting a late payment on my report which is damaging my reputation, values and embarrassing to myself and financial institutions that im trying to gain loans with. 

here is the account FED LOAN - XXXX
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MI)

I have contacted PayPal through XXXX, XXXX, XXXX and XXXX since last week that I NO LONGER have access to my old phone number ( XXXX ) XXXX, which is what they use for their " Quick security check '' page, but they keep INSISTING that I should still have access to my account that is associated with email XXXX regardless. 

This is not true. 

They are GASLIGHTING me. 

As long as they link my old, OUTDATED phone number ( XXXX ) XXXX with my XXXX, then I have NO access to this PayPal account!
Consumer complaint received 2024-03-18
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 Equifax XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I have been disputing this account for some time now with PHOENIX FINANCIAL. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (CA)

I received a debt letter from Spring Oaks Capital dated XXXX XXXX and i responded back with a debt validation letter dated XX/XX/2021 and as of today i have only received credit card statements from creditor and its not what i asked for. They have proceeded to report this debt on XX/XX/2021 to XXXX only of which i was unaware of this debt.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (OH)

On XXXX I switched my cellphone service from XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX offered an switcher program that allows XXXX XXXX XXXX to buy your phones from XXXX and pay your remaining cell phone balance. 
All of the necessary measures were taken from my end which required me to cancel service with XXXX, complete the switcher program online, and turn in all XXXX of my cellphones via mail. I have a photo of the box I sent through XXXX and the tracking information stating that the phones were delivered to XXXX XXXX XXXX. 
I never received credit for my cellphones and I have a remaining balance ownd to XXXX of {$2400.00}. This balance has now sent to collections and I never received any resolve from XXXX XXXX XXXX. I did receive confirmation that the cellphones were in the factory but they had to check the phones to make sure they were in good shape to receive full credit. All the phones were like brand new and I had only had them for about 3 months before switching over to XXXX XXXX XXXX. 

I spoke with XXXX local XXXX XXXX XXXX store managers and there was no resolve. I was referred to call XXXX XXXX about receiving credit for my phones and last payment. I spoke with multiple people which I have documentation of who and when I spoke with them again with no resolve. 

Lastly I spoke with corporate of XXXX XXXX XXXX which was the Executive Response Manager for my case and she explained that they had my cellphones and that they were behind in their work and they would get back to my case. After several email attempts she stopped replying to my emails after all the necessary information was presented to her. 

I now have this debt on my credit report and my cellphones were basically stolen by XXXX XXXX XXXX leaving me in financial grief and frustration. 

I am looking to receive {$2400.00} from XXXX XXXX XXXX to pay off the creditors and clean my credit report.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

My account continues to be coded and profiled for certain activity, mobile deposits, certain transactions, overdraft protection. 
I continue filing complaints regarding this situation. The bank continues to deflect and want me to speak to their Executive Client Escalation representative. 
I completely understand the problem as well as the violations and practices which I am experiencing. 
I have opted in for overdraft protection, however, the transactions which caused the overdraft are not paid and fees are applied. 
Four transactions at {$10.00}, 1 @ {$15.00} were allowed to post causing overdrafts and fees. I am willing to pay the valid charges totaling {$55.00}. The fees are {$140.00}. 
I have requested a refund since the transaction should not have been authorized by the system and then approved to be paid via the Opt In option. 
Also, this bank put a hold on my Social Security Direct Deposit and some deposits I made via mobile banking app for no valid reason except because of profiling. Deposits are being scrutinized and held. My account becomes overdrawn because of this illegal bank practice.
Consumer complaint received 2021-09-29
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: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX sent letter to credit bureau asking for Method of Verification of bankruptcy ( did not dispute, just asked for MOV ) On XX/XX/XXXX their response was by the Bankruptcy court/XXXX  On XX/XX/XXXX sent letter to USBK COURT XXXX VA-asking if they verified and on XX/XX/XXXX I received their letter back, stating they do not report to the credit bureaus. 
On XX/XX/XXXX sent a letter to XXXX the 3rd party agency asking them to send me documents used to verify alleged bankruptcy and on XX/XX/XXXX I received a letter back stating " After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of the bankruptcy and removed this record from my XXXX report. 

On XX/XX/XXXX sent letter along with court house letter and XXXX  XXXX  letter stating the bankruptcy was unverified and to remove from credit and on XX/XX/XXXX I received a response back stating " we investigated the info you disputed and updated : NOT SPECIFIED '' and showed how it appears on my credit file>did not remove. 

On XX/XX/XXXX sent letter to credit bureau again stating the bankruptcy is not verified, stating I had provided proof that their method of verifying was invalid and warning that I would file a formal complaint to which no response has been received.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc. (MO)

I have a used car loan with Nicholas Financial , Inc., XXXX XXXX XXXX XXXX, XXXX 's XXXX, MO XXXX. I did not choose this company - the car dealership arranged the credit with a different company, but a few months later the debt was evidently purchased by Nicholas and I had no control over it. Since the car dealership propagated another scam on me related to inferior car insurance, perhaps this change in loan companies was a similar bait and switch. 

Because of the exorbitant interest rate, and because I improved my credit rating drastically since I purchased the vehicle, I contacted my bank to request refinancing. The remaining loan was beneath their threshold for auto loans, but they offered a XXXX interest credit card instead. I contacted Nicholas to pay off the loan, but they refused to accept a credit card payment. My bank insists I should be able to make a payment with the card, but Nicholas refuses. I made a large payment via my checking account in the meantime, but I believe this is an unfair practice designed to continue to collect ridiculous interest, while I lose out on 0 % interest and bonus points on my credit card.