davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.M. Galicia, Inc. (CA)

I was brought in to XXXX XXXX by XXXX police i didnt want to go there i wanted to go to the va because i am a veteran, i would'nt sign the admission so the nurse and the officer forged the paperwork and said that i was'nt able to sign.I have explained this numerous times to the company collecting the debt but they refuse to help.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

It shows on my credit report that I have a debt balance of XXXX for a medical bill originally from XXXX XXXX. This debt does not state my name, address and what this debt is specifically for, in which this debt is unverifiable and I would like proof that this debt is actually mine or could be.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Credit Service Inc. (OR)

On XX/XX/XXXX, a minor child damaged a gas line that was incorrectly installed on a property that I was renting. The utility company repaired the line. The utility company demanded that I pay for repairs. I refused because the gas line was incorrectly installed and because I did not damage the line. The utility company referred their alleged tort to a collection agency. The collection agency sued me in small claims court. The court dismissed the case because in Oregon a plaintiff must sue the responsible party ( the minor ) and then add the parent as a defendant if the child 's actions were " intentional '' or " willfully negligent '' ( ORE 30.765 ( 3 ) ). 

On XX/XX/XXXX, the judge ruled in my favor, dismissed the case on the grounds that the collection agency failed to name the child as a defendant, and instructed the collection agency to pay my court costs. As of today, the collection company still has not paid the court costs. Instead, the collection agency falsely reported the alleged tort as an unpaid debt to the consumer credit reporting agencies. My credit score dropped. My interest rates went up. I have been unable to purchase a home or to get a business loan as a result. 

I consulted several lawyers who all confirmed that an alleged tort does not qualify as a " claim '' under Oregon law ( ORS 697.005 ) and that collection agencies can not solicit a claim for any amount that does not meet that definition. 

In a XX/XX/XXXX letter to me, the utility company 's claims manager acknowledged that the matter is not a " claim '' but rather a tort and and defined a tort as " a wrongful act, not including a breach of a contract or trust, that results in injury to another 's person, property, reputation, or the like .... '' in his letter. 

Through much correspondence, I warned the collection agency and its lawyer that the Fair Credit Reporting Act 's Section 1681o grants actual damages, lawyer 's fees, court costs, and punitive damages to consumers when a collection agency willfully reports false information. 

Still, they continue to report the item as an uncollected debt. 

I have requested that XXXX, XXXX, and XXXX remove the item from my credit report three times, most recently today.
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (NC)

Dispute were file and certified mail.  XXXX    XXXX   updated and corrected there files.  XXXX  has not investigated or updated there files. This is unfair credit reporting, information that 's not accurate or true. Information reported by  Optimum outc omes for the amount of  XXXX  on  XXXX ,   XXXX   for  XXXX   XXXX    XXXX   XXXX  . Information from  XXXX    XXXX   on  XXXX   XXXX  for  XXXX    XXXX   XXXX   XXXX  .
Consumer complaint received 2022-05-13
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. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my Credit Reports : XXXX XXXX XXXX : {$49.00}
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I went in to purchase a car and gave the financial department XXXX XXXX XXXX permission to run my credit to one financial institution and they ran my credit over 20 times. I did not authorize them to do that I had no knowledge they were going to run my credit so many times. This is goes against my rights as a consumer and should be handled immediately! I am no longer able to live my life freely and do what I need to for my family because most financial institutions wont give me another try to pull out any credit cards.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I applied for a Citi credit card to use for reimbursable work purchases in XX/XX/XXXX, two days after applying I received a letter stating that my application had been approved and that I would receive the card in 7-10 business days. The letter had a phone number to call if I did not receive the card within this time frame. On XX/XX/XXXX, approx. 14 days after having received the letter, I had not received the card so I called the number. The person who answered transferred me to someone else who said that he couldn't help because he was responsible for new accounts and I have an existing account, so he transferred me to a repeating message that told me to call the number that I had called to begin with for personal cards or another number for corporate cards with no options to talk to anyone or leave a voicemail or anything. I attempted to call the number again with the same results. The third time I said that I needed to cancel the card and they transferred me to someone else who asked a lot of strange questions to " verify my identity, '' and none of the answers that I provided satisfied her even though they were factual responses to her questions. Her responses to my answers were disrespectful and she accused me multiple times of attempting to commit fraud over about 20 minutes of attempting to confirm my identity. The conversation ended with her telling me that she has to send a letter to my registered address to confirm my identity before anything can be done. A couple of hours later I checked my mail for the day and found a letter from Citi that stated that I had suspicious activity on the account that I had just applied for and not yet received a card for and that I needed to call about the suspicious activity. So I called again and was transferred to a more respectful person who paid attention to my questions and answered them appropriately instead of saying " mmmhmmm, that doesn't match what we have '' to everything and accusing me of trying to commit fraud. It took about 30 seconds to confirm my identity with this second person, we discussed the card having not yet arrived and the suspicious activity letter. She stated that the card should arrive any day now and that I should ignore the suspicious activity letter because it had been sent in error. On XX/XX/XXXX,  the card still had not arrived and I received another letter regarding suspicious activity on the account. I called again on XX/XX/XXXX and went through a few transfers before talking to someone who said that he could help with the situation. I gave him the information that I had and explained what was going on, he said that he needed to put me on hold and would be back shortly. After being on hold for 9 minutes the call disconnected. I called again and asked to cancel the card, was told that I needed to be transferred and was hung up on again.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft, XXXX was taking from me, some one was using my information and sent my XXXX card to different addresses where my money was tooking, nermous of claims had been made and I discovered when I did my claim it was already one done by some one who stole my identity, now Bank of America had denied my claim nermous of times due to what some one else has done. I would like my money back and seems like Bank of America is giving me the run around
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (FL)

hello, as a reply to your response left on my last complaint : if aspire removed ALL of my information, where can i obtain it? i need records of ALL transactions regarding this student loan. 

thank you.
Consumer complaint received 2020-02-09
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. (FL)

I recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. Thank you.
Consumer complaint received 2022-05-13
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. (NJ)

in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX 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 instructio
ns
Consumer complaint received 2019-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX I went to purchase a car at XXXX XXXX XXXX in XXXX Tx. I was pre approved for financing under XXXX/ Santander and decided to use one of their prefer vendors. My deal was approved for financing up to {$34000.00} with an LTV up to 125 % of the deal. I went to the lot on XX/XX/XXXX to inquire regarding a 2013 XXXX XXXX that was price at XXXX $ that was over the XXXX  value of XXXX $ ..Of course, the car was over the LTV of the loan, which then the sales rep needed permission to lower the cost in order for the deal to work. The final cost ended up being XXXX . Upon looking at my sales contract, i notice my interest rate was higher than my original approval. I originally contacted the dealership and was told that it was the right deal and that Santander approved this deal ; there was nothing they can do about it and my only option was to either talk to them about the terms or bring the car back to the lot. Upon calling up XXXX/Santander and receiving a screenshot of my deal from my sales rep that work my deal..I ask the XXXX  rep if they could pull up the approval to my deal that was worked into a contract.To sum it up..there was two applications under my name in XXXX. My original deal ( which was approve ) was scrap in favor of a new deal being created that was more aligned to the dealership profit.There was no permission being given to recreate a new deal or even a need to create another app. I was already approved for a car loan with the terms being given to me by XXXX/Santander. Overall, i will be bringing back the car and unwinding the deal which i told my sales rep. I'm highly upset that even with XXXX/Santander being offer an approval on a deal, would allow dealerships to recreate deals that are favorable for them to bypass the fees attached to the deal in which the dealership has to pay or to front load the deal that would cause a consumer to be very upside down on a car loan. Who knows how many other consumers are affected by this process. Even though my deal is being trash, something has to be done. Consumers are not aware that some dealerships will recreate an entire new deal rather than using the approval deal with that same exact finance company. It's not right, it's not ethical and something needs to be done. This was a complete financial markup/ dealer reserve deal ; a 6 % interest rate markup.
Consumer complaint received 2021-11-08
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. (OH)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

I opened a checking account at Wells Fargo as a new customer on XX/XX/2019. I used a valid bonus offer code while applied the new checking account online and received the new account welcome letter along with Bonus Offer Disclosure and Additional Requirements. I met all the requirements that Bonus Offer Disclosure and Additional Requirements stated on 9XX/XX/2019 but I haven't received {$400.00} bonus as new customer opening a new checking account. 
I contacted their customer support and they replied to me that " I reviewed your credit for the promotion wasn't issued because the requirements of the campaign weren't met. This offer is intended for new checking customers only. You must have a valid bonus offer code.You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account, you are a Wells Fargo team member or if you have received a bonus for opening a Wells Fargo consumer checking account within the past 12months '' I asked them to check which requirements of the campaign weren't met : 1. I used a valid bonus offer code and received New account welcome letter along with bonus officer disclosure and requirements. 
2.I haven't received any bonus for opening a Wells Fargo consumer checking account within the past 12 months 3.I opened this account  on XX/XX/XXXX. I haven't any wells Fargo account opened at that time. 
XXXX. My employer sent my payroll of {$4000.00} using direct deposit to the checking account opened every month since XXXX. 

Since then, they never replied me back
Consumer complaint received 2022-05-13
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. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2019-06-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

For the past year, my family members and I keep getting phone calls from a man who claims to be a server. He will leave voicemails on our phones looking for me, saying he is on his way to my home or employment to serve me papers for XXXX County for a debt I owe. He then will leave an XXXX number ( number changes each time but its the same man/company ) to call to fix the matter. When I try to call his actual number itself that he calls from, it claims that its an internet number, so he calls from a fake internet number each time. So then Ill proceed to call the XXXX number and someone will answer the phone with just Hello this is so and so but they dont tell me the company name when they answer. So then Ill ask what Company is this? And they will say XXXX. And I said XXXX what? And they say XXXX XXXX. So then Ill give them my name and they claim I owe a payday loan from 2015 that I have never heard of and say if I pay the amount due right now that they will cancel the court papers being served and it will also save me money because if they take me to court, they will tack on more fees etc. I then tell them how am I going to pay yall money for something I dont owe or even heard of. So I tell them to stop calling me and have someone come to my home to serve me then if thats what they are going to do. So then they say okay and then I dont hear anything about it from them for months. And then they will call me and my family again months later and restart the entire process over again ... and there has been one time where I call the XXXX number again like Im told to do in the voicemail..and the person who answered was the same voiced man of the guy who called me one time saying he is a server and he will come to my home. I remember asking him ... um arent you the person who said they were going to serve me? So you work for this company? And he acted like he had no idea what I was talking about that I was mistaking him for someone else but he has a very distinct voice..it was definitely him. So this fake company is also pretending to be servers and using fake internet numbers to call first and then directing us to call their XXXX number acting like they arent correlated with each other. Im getting fed up with this because this has been the fourth time over the past year they have done this. Its embarrassing because they will call family members that are associated with me that I barely talk to. They even called my Ex husband and I had him calling me asking if Im in trouble with the law ... its embarrassing and it needs to stop. I continue to tell them every time they do this to stop contacting me and my family and they are still doing it.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. Thank you.