davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (UT)

I receive constant calls from XXXX XXXX XXXX to collect a debt from some credit card purchases made with an Ikea card ( that I've never owned ) and in a state that I've never been in.
Consumer complaint received 2022-07-07
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 XXXX Account # 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 an account without my written instructions
Consumer complaint received 2017-06-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (KY)

I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed.  XXXX ,  XXXX , and American Education Services ( AES ) are all refusing to remove fraudulent information from my credit report after providing verification from   XXXX   that the tradelines were successfully removed from their report.  XXXX  and  XXXX  claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, AES, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid AES and never will. AES is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves AES engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. AES is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several AES employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT   XXXX    according to the original default date. Somehow AES managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also,  XXXX  is reporting that  XXXX  of the   XXXX    tradeline s is closed/paid in full and the remaining   XXXX   are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX ,  XXXX , and AES. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you
Consumer complaint received 2019-08-02
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. (NJ)

Not enough information to verify a debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation that an alleged debt owed by me in the amount of {$440.00} be verified by XXXX XXXX XXXX. According to the FCRA section 609 ( a ) ( 1 ) ( A ) they are required to verify through the physical verification of an original signed consumer contract but have continually failed to do so. The credit agencies in turn have allowed this account to be verified as accurate without providing the documentation that has been requested or even giving their method of verification which I have requested numerous times.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The Credit Card company increased my Credit Line without my knowledge. They sent a message after the fact which also stated that I could have my limit returned to the original if I called the company. When I called, I was informed that reducing my credit limit would adversely affect my credit score. I was placed on hold for 17 minutes before I hung up and called back and spoke to " XXXX in XXXX ''. She informed me that there is a clause in my agreement that allows them to increase my credit limit. It is a feature that I could turn off ; which I did. However, I did not reduce my limit to avoid the penalty to my credit score.I was then turned over to a supervisor who quoted the policy a number of times. 

I simply would have liked a notification prior to the increase so I could make a decision about my own finances. This is a form of fraud to me because they increase their value through our fractional lending system without actually having the money to back up what could negatively affect my credit. According to my financial adviser, I need at least two credit cards to increase my credit score. This increase can have negative consequences in my getting approved for that second card.
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent in a formal request for an investigation on XX/XX/2022, in which they received the letters on the following dates : Transunion XX/XX/2022 XXXX XXXX XXXX, 2022 XXXX XX/XX/2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : Transunion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

This is a formal complaint against Caine Weiner located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Caine Weiner has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Consumers Financial LLC (LA)

First Consumer Financial   XXXX   XXXX ,  LLC is reporti ng incorrect information showing the wrong date when the payment should be paid. The payment is due the   XX/XX/XXXX of each  month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cove r the  XXXX 17 payme nt because I mailed the payment and was lost in the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid  one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occas ions in which it was not. I have not missed a payment because the  manager told m e to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for   XXXX   2017 and   XXXX  2017 not  date due which is the    XX/XX/XXXX    of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XX/XX/XXXX  of each month and pai d  XX/XX/XXXX  p ayment on   XXXX 17. The payment was due on   XXXX  17 and 10 days before a payment is due but reported.   XXXX   is   showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't pay on the due date but sending to the Credit Bureau. I am paying more than what is due at tim es. See atta ched
Consumer complaint received 2022-07-07
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: CLGF Holdco 1, LLC (GA)

In accordance with the fair credit reporting act XXXX  accounts # XXXX XXXX XXXX XXXX XXXX XXXXXXXX/genesis FS card services in # XXXX has violated my rights 15 USC.1681section602 A.States I have the right to privacy 15 USC1681 section 604 A section 2 it's also states a consumer reporting agency can not furnish a account with my writing instructions
Consumer complaint received 2022-07-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NJ)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

JPMCB - CARD SERVICE XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

I have tracked down XXXX payment made on XX/XX/2020 in the amount of XXXX to XXXX some how this ended up on my credit report and I have been fighting it the whole time and they will not remove it. Its medical billing that I don't believe I ever said could be posted but even outside of that I paid it and for all this time the XXXX will not remove it saying that the collection company said its a owed debt. But that cant be true when I have proof it was paid. Then the other of {$75.00} came out and because of the {$64.00} on the report when the {$75.00} came up I handled that right away. Got a letter from them saying I owe {$0.00} to them. But when I spoke with the collection and told them they said that they were told that the debt was owed. They have provided no proof to the credit bureau and XXXX even said themselves they have not got any proof from the collection company just they saying the debit is owed. I have tried many of times to dispute the debit and they have not removed it and yet cant show that its owe.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

A stranger XXXX from XXXX XXXX, looking for a rental house in XXXX, She got my contact information from XXXX. I posted a rental unit 2 years ago. She introduce me to invest money on XXXX XXXX and give tips to trade, get the profits. But each withdrawals we're rejected by the XXXX XXXX and the reasons including wind control, Tax and inside trade ect. The XXXX XXXX  only has the customer service department i can reach. They have XXXX XXXX and XXXX XXXX. I have all IPs of them. XXXX XXXX  said their address is XXXX XXXX XXXX in New York. But Don't know which unit number. I keep all the conversation with them. They said they have registered in US government but don't mention under which supervise department. I keep all the proofs transaction on the platform. XXXX XXXX and XXXX are their platform login website. After i paid by wired transfer for Tax and they said i join the inside trade and have to pay a fine usdt {$120000.00} to release all my funds back before coming Wednesday. I am painful and unhelpful Now. Totally i wired transfer more than XXXX in the platform.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MN)

Someone that wasn't me called XXXX XXXX on XX/XX/XXXX and was able to change the mailing address, phone number, and email address associated with my checking and savings accounts. I was notified of the change and contacted XXXX XXXX to change those back to what they should be. On XX/XX/XXXX someone that wasn't me called XXXX XXXX  and was again able to change that information on my accounts. I went into a local branch that same day and closed out my accounts and started over with brand new ones and a whole new online profile. On XX/XX/XXXX someone that wasn't me called XXXX XXXX and was able to find out the new account numbers that were created and changed that information again. I called XXXX XXXX that same day and got the information changed back and told them to put a hard hold on my account and I requested no changes be made on my account unless a person is in a branch of XXXX XXXX  with a photo ID. On XX/XX/XXXX a person who wasn't me was able to call XXXX XXXX  and get the hold lifted. That same day I completely closed out my accounts at XXXX XXXX and I will never bank there again. I had been a customer since XXXX.
Consumer complaint received 2022-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

On XX/XX/2022, when I came to [ XXXXXXXX XXXX XXXXXXXX XXXX ] to open a business account, we discussed in length NOT to do anything to jeopardize my credit score. We had a XXXX hour appointment, and I have been very direct with [ XXXXXXXX XXXX XXXXXXXX XXXX ] what was needed and what was out of the question. This included credit checks, as I was in the active stage of applying for a mortgage. 
[ XXXXXXXX XXXX XXXXXXXX XXXX ] understood, opened my business account and went ahead with a credit check, without my consent. My phone gave me an immediate ping, to update me on the instant lowering of my credit score and [ XXXXXXXX XXXX XXXX XXXX ] your response was XXXX. [ XXXXXXXX XXXX XXXXXXXX XXXX ] vehemently apologized for her honest mistake and it should have rested right there. 

[ XXXXXXXX XXXX XXXXXXXX XXXX ] manager escalated this, in order to have the credit check removed immediately as you indeed made a mistake. Mistakes happen. [ XXXXXXXX XXXX XXXXXXXX XXXX ], yourself submitted an escalation in order to be pro-active in making things right. I escalated things, and escalated the escalations, as nothing was happening. The Executive office picked it up and I kept you apprised and informed of this. 

I now have confirmation that the internal investigation resulted in [ XXXXXXXX XXXX XXXXXXXX XXXX ] denying that [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX did any of this. 

I already had this removed with XXXX. XXXX is unwilling and Equifax is refusing to take this off my credit report, without materials from XXXX. The escalated confirmation numbers are : XXXX and XXXX This is with the executive office, who is refusing my phone calls. I am actively blocked from contacting them.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (ME)

Today,XX/XX/2021. and another day from another number I received a text message stating they were from State Collection Service with no information whatsoever about any debt. I have never received a paper notice from them. Furthermore, they sent a link which they say is " secure '' but scammers also say this. I got a previous text message from the same company but with a different number on XX/XX/2021 with the same information.