davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kenneth, Eisen & Associates, LTD. (IA)

I am a Federally Protected Consumer. I know I have rights and I'm PROTECTED UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND THE FEDERAL TRADE COMMISION. I have the right to not have false credit information reporting on my credit report. I have rejected the offers to contract with XXXX XXXX and I never gave my consent to have nonaffiliated third party collections XXXX XXXX to be in possession of my non public personal information. WE HAVE NO TRILATERAL CONTRACT I HAVE NO LEGAL OBLIGATION TO PAY YOU. This is a notice to cease and desist communication and by reporting false credit information on my credit report is considered communication. I am not requesting validation of these alleged debts. XXXX XXXX by you obtaining MY non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. XXXX XXXX ACCTS # XXXX. These false credit information collection accounts were deleted off my credit report before and just came back on my credit report XX/XX/2022 as I was in the middle of extending credit trying to obtain a new credit card and was I denied due to these ALLEDGED collections on my credit report. The FTC calls these practices DEBT PARKING and takes this very, very seriously. Therefore I have strong reason to believe that XXXX XXXX is conspiring to collect on extension through unlawful extortionate means. By putting these alleged medical collection debts on my credit report XXXX XXXX is damaging my credit worthiness, and ruining my name. and stopping me from MY RIGHT to extend credit and operate in commerce.. DELETE THESE ALLEDGED MEDICAL COLLECTION ACCOUNTS OR ILL BE FORCED TO TAKE STEPS TO ENSURE MY FEDERAL RIGHTS ARE BEING PROTECTED AND ENFORCED UNDER THE PROTECTION OF THE FDCPA and FTC. The collection of this extension of credit would be a Violation of False Claims Act. Remove these alleged medical accounts from my credit reports immediately.
Consumer complaint received 2024-05-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK (FL)

They continue to practice securities fraud as they have not returned any of my monthly dividends to me and they are also committing tax invasion by not paying the taxes on the profit/income they are receiving. The trustees, indenture trustees, CFO, CEO, parent company, and its affiliates are committing organized crimes ( XXXX ) by knowingly committing the previously mentioned offenses.
Consumer complaint received 2023-07-09
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: CCS Financial Services, Inc. (CA)

After reviewing my credit report I've notice that inaccurate information is being reported on credit report. Starting with Credit Collection Services XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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. (NC)

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 Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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 account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # 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 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 a person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NC)

I made my payment to Avant on XX/XX/XXXX. The funds were available in my account at the time of payment. On XX/XX/XXXX the payment was declined. I was charged a late fee as well. I spoke to multiple reps and was hung up on while attempting to resolve this matter. The funds were still in the account for the payment being made so I asked if we can process the payment via debit since they were having problems processing it via ACH. I transferred the funds to my account that has a debit card linked to it and provided the rep with the card number. They stated they were having issues on their end with the payment. I asked if they would like to try another card. They stated they would try my card on file and read me the number. The number they read was not a card but an account number for my ACH payments. I stated no do not use that account because it will take days to process. The rep proceeded to process it anyway. I explained I wanted to make a debit payment so its processed today. They said they canceled the ACH and took another debit card that I moved the money to and this payment went through. They apologized for the inconvenience and stated they would submit a request for the fee waiver because of a processing error. This morning when I woke up I had an email stating the waiver was declined and I also saw they took two payments instead of one. One of these payments is unauthorized. They stated it would take 14 days to resolve. So they are charging me fees based on their error and taking unauthorized payments. I spoke to a supervisor who refused to help and hung up on me. I have now called over 5 times trying to resolve my issue. This is a violation of TILA.
Consumer complaint received 2019-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (WA)

Way Point Resource Group which was originally XXXX I guess it's been on my credit for at least 5 years now but it's saying it's only 7 months old they keep bumping it to a different debt collector so that it keeps the debt open I don't even know of this and when it was established or what residence it was at
Consumer complaint received 2019-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I had defaulted on my student loans in XXXX. I entered into a rehab program with Pioneer Credit Recovery. I have been making monthly payments faithfully. The agreement I signed with Pioneer promised that my federal tax refund would not be offset if I entered into a payment plan with Pioneer. They lied. In XXXX of XXXX, the IRS took my federal tax refund of about {$1600.00}. I contacted Pioneer and they told me the Dept of Education should not have taken my tax refund because I had entered into a payment plan and have been making payments. I tried calling the Dept of Education but they keep disconnecting my calls. I have sent both Pioneer and the Department of Education 2 Certified Letters requesting a refund and a hearing to dispute this offset. I have received no response.
Consumer complaint received 2019-04-14
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. (OK)

On XX/XX/XXXX a hard inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, Ok XXXX was pulled in order to put a collection account for delinquent rent from a lease I co-signed in XX/XX/XXXX on my consumer report. Section 604 of the FCRA provides that a consumer reporting agency may furnish a consumer report only for specified permissible purposes. The hard inquiry does not constitute a permissible purpose for XXXX XXXX actions.
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

i bank with wells fargo, in XX/XX/2018 i was fraudulently charged for spotify premium and had to cancel all my existing debit cards due to this charge. the money was placed back in my account in XX/XX/2018 and again in XXXX the charge fro spotify premium was charged again after a long almost 5 hours on the phone with multiple vendors to cancel all transactions to my old cards and convert to the new cards, i was told by wells fargo that the money needed to be released and would take a few days to process back to my account. now days later im being told that '' XXXX took it upon them selves to deposit the charged amount into my account back in XXXX and the bank apparently did the same. At no point in time did i authorize any transactions for spotify and i understand from what i was told today 7 days after initial dispute of transaction, gave me money they shouldn't have however, this transaction on XX/XX/2018 to return the money ( i did not know i was given ) back to them should not have been completed without my knowledge and at no point should money be paid out to anyone from my account without my consent.i understand now that the money needed to be paid back but i never even got notified that this was an issue i had no knowledge of this until i called today to find out whats going on with my money. now im being told " theres nothing they can do its my problem '' and im the one screwed out of all the time and money to correct the issues. help!!!
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: EQUIFAX, INC. (AR)

Years ago I had bills and credit lines in my name but I was never aware. 
XXXX of XXXX I applied for an auto loan and found out I had lines of credit from before I was even XXXX years old! XXXX I allowed my younger brother to use me as a cosigner for an apartment and he bailed on me with 6 months on the lease. Little did I know, I was volunteered as a cosigner on my brothers previous lease that he broke because of an internal issue with the complex. Once that lease was broken only thing I knew was that " the apartment would take the hit and he owed nothing. '' XXXX I bought a new vehicle for my commute from XXXX XXXX to XXXX for school. Once my mother was diagnosed with a XXXX XXXX I wasn't able to attend school or work for about 4 months which lead to me dropping out and losing my job. Once this happened I completely fell off on handling my responsibilities, which is a mistake I know not to make again.
Consumer complaint received 2019-04-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (VT)

This company calls every hour ob the hour switching between 3 different phone numbers. If I don't answer one # they hang up, and call right back with different number and if that does not work they call private. Calls are starting at XXXX everyday including Sunday. This is unacceptable and I've asked them to stop harassing me.
Consumer complaint received 2019-04-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Re : Safe-Deposit Box # XXXX Wells Fargo Bank, XXXX SUMMARY Wells Fargo refuses to refund my safe-deposit box fee, promised to me by customer service in a XXXX, XXXX recorded phone-conversation. Nine months of prorated rent should have been recompensed to me ; however, I received no promised return calls or communication on the subject -- in any manner. 

OUTLINE I. On XX/XX/XXXX ... I rented a safe-deposit box from Wells Fargo in XXXX, NJ XXXX ... : In XXXX of XXXX, I called Wells Fargo to inquire about when the rental payment was due for that year ; I wanted to decide if I needed to keep it open, as I was moving out of state. 

A. The rep told me not to worry -- that I could close the box before the annual rental date -- and get a refund for the unused months. Therefore, I decided to pay the year on that box, in case I needed to store something in it temporarily, before my out-of-state move. ( This was an as-usual recorded conversation. ) 1. I did not have to use the box after all ; in addition, that box was empty the entire time I was renting it out. When I visited the office to close the box, I asked when/how I would receive my three-quarters ' of a year 's worth of prorated refund : The teller told me that I had no right to a refund?! 

i. Though I argued with her, she advised me to keep it open " temporarily '' -- and call customer service to resolve the issue. After many days of calls and promises ... customer service never attempted to resolved the issue in any way ; never returned my many-many calls or followed up on this theft. To date, nothing has been done to remedy the problem. ( This was an effort of weeks during a time I was under undue burden from a traumatizing move. ) LEGAL BREACH II. This was a verbal contract, that they know existed from listening to the customer-service calls back in XXXX : Wells Fargo is fraudulently keeping what was about {$130.00} of my refund -- without so much as a phone call to deny my legal request for reparation of those funds. 

B. I now live in XXXX XXXX and still am stuck with the keys to an empty safe deposit box : Though I changed my mailing address at the bank location, I just discovered NO ONE updated the information on my account ; this means, they have been sending my statements to my old address -- where a greedy land baron now resides. 

C. The way it stands : Wells Fargo is keeping my promised refund, which is a breach of a verbal contract. It is a bank, so they are greedy by definition.
Consumer complaint received 2020-01-28
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. (GA)

Equifax and XXXX  are reporting incorrectly that I am ( 60 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

There is inaccurate information on my Equifax credit report relating to my student loans through the XXXX XXXX XXXX XXXX. These loans have been paid off and closed for several years and XXXX Was able to remove them I contacted Equifax they verified my identity and opened a dispute. That disput has been closed and the information was updated with incorrect information and now Equifax will not verify my identity even though I answer all the same questions with the same answers.
Consumer complaint received 2019-04-14
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MA)

I have been a victim of identity fraud and Citi Bank ( CBNA ) was one of the companies the person ( s ) attempted to open an account through. I followed all the correct steps with identity theft.gov and sent them all the necessary paperwork to dispute the claim and have the inquiry removed and information sent to me. I received a letter back stating without an account number they are not willing to do anything further with the mater. I have called and can not get an account number or any help in resolving this matter over the phone. I have worked for years getting my credit to where it is and to have someone ( s ) try and destroy something I have worked so hard for so long for is awful, then to have these giant corporations act like it is no big deal and thy have no responsibility to help when all the proper documents were sent to them is beyond frustrating. I just want them to work with me and not against me in getting these inquires removed from my credit report.
Consumer complaint received 2019-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I sent three checks to different banks as payments of my credit cards bills. 
My bank ( Capital One Bank ) returned these checks unpaid even though my account had sufficient funds to pay these checks. I called Capital One to complain however the problem was not resolved and I had to close my checking account. However, Capital One did not return my funds which were deposited to this account. I need help getting my money back from this bank.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I have contacted Equifax to manage my security freeze but they are unable to do so both online and over the phone. I have provided many information but they we unable to verify my information purely based on the fact that I don't remember if I have a security PIN or not. For other companies, you can easily get access by answering security questions about your past, but not Equifax. Now my credit freeze isn't allow me to sign an apartment. Equifax also has no way to escalate this or expedite this.
Consumer complaint received 2019-02-05
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. (CA)

There are inquiries on my consumer report from creditors who have not offered me credit. I DO NOT have a credit card from these creditors. By law, if a creditor checks your consumer report and DO NOT offer you credit, those inquiries are not supposed to be on your consumer report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ;
Consumer complaint received 2020-01-28
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)

I have disputed the erroneous information from XXXX   reported on my credit report. It was allegedly investigated by Equifax. They stated that it was verified, but they failed to provide me with there METHOD OF VERIFICATION. 

Equifax also failed to mark this item as disputed, as required by the Fair Credit Reporting Act.
Consumer complaint received 2019-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a regular checking account with Bank of America. I have not had direct deposit set up for at least six months, while I've been working part time. ( I should have direct deposit set up again shortly as I'm back to full time employment ). 

I just pulled up my checking account balance with B of A. I was expecting it be about {$120.00} since I am due to be paid tomorrow and have been dealing with some relocating expenses, meaning I've keeping a very low balance. I was very surprised to see that a {$12.00} maintenance fee had been assessed. Per my account agreement ( e-Checking ) this fee which I thought was {$8.00} but may have changed over the years, can be assessed when I don't have an active direct deposit and when my balance is less than {$1500.00} daily. But neither of those have been true for months, and the maintenance fee had not been assessed. I have to believe that the only reason the fee was triggered this time was because my checking balance was so low. An attempt by B of A to overdraft my account which means even more fees in the near future.
Consumer complaint received 2019-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (GA)

Amerifinancial Solutions I have a a unverified account from your office. I had previously disputed this account. I have never done business with Amerifinancial Solutions. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that Amerifinancial Solutions Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. )  Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Amerifinancial Solutions Cease and Desist all further communications and collection actives and provide the verification of the purported debt.