davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Adjustment, Inc (AZ)

I am disputing my account being sent to collections. My account was only 60 days pass due. I live in a rural area and the post office it opens and closes while I am at work. I am not disputing paying my bill but I owe only {$140.00} pest control service " XXXX XXXX XXXX XXXX '' the collection company is " A collection Agency sent me a letter saying my account was in collections and increasing the balance with interest. I called the agency and the pest control company and they said my account was in collections. I told them my situation with post office, I also lost my key XXXX XXXX key reason I could n't get mail since my XXXX XXXX was under my name. Anyhow I told them my account is n't 180 days pass due it should have not been in collections nor should my account be collecting interest if it is in collections as a charge off account. I told them it 's illegal to collect interest on a charge off account. They refuse to listen. I mailed my payment just because I know owe {$140.00} not paying interest but I would like for you to check there ethical collection pratices
Consumer complaint received 2016-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Debt Holdings, LLC (CA)

In 2012 I moved from XXXX to the XXXX. I informed XXXX gym 30 days prior to moving that I wanted to cancel my membership due to the fact that in the area where I was moving to there were no gym facilities XXXX within a XXXX mile radius. I also followed up with a telephone call to the club and a visit and they assured me it would be taken care of. This past week I received a letter from an attorney, XXXX XXXX XXXX representing United Debt Holding ( XXXX gym ) claiming I owe {$810.00} and it must be paid immediately.
Consumer complaint received 2022-05-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-19
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: Navient Solutions, LLC. (MD)

I, XXXX XXXX, am disputing fraudulent activity on all reports. I have no knowledge of these accounts. I've been reaching out for a while now. I am a victim of identity theft. I did find out that it was for a school called XXXX XXXX XXXX. XXXX XXXX has been sued for violating the law by doing illegal things to encourage students to attend their school, and that I never would borrow any money to pay for XXXX XXXX courses knowing they doing illegal things. I never attended this school. This school has lost accreditation for fraudulent activities. They were selling personal information. I've contacted Navient who is currently reporting on my report. They are unable to provide me proof of any loan documents pertaining to this. The loan amount is totaled up to {$60000.00}. I asked that this matter gets resolved immediately with your help as I've stated to them as well. This is hindering me from actually bettering myself. This is fraudulent and I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of the company 's authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again I have no account with student loans, nor am I a customer, nor have I entered into a contract and also
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (VA)

No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Wells Fargo ( XXXX XXXX XXXX ) on XX/XX/21. If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went to withdraw {$22000.00} from my bank account with Bank of America and even asked for a wire transfer or cashier check and was denied access. Instead, they froze my account without an apparent reason. They stated that '' needed to verify where the money came from '' even when I show them the evidence ( Bank statements and Deposit Slips ). By my account been frozen has cause me many issues since the closing of my house has been delayed jeopardizing the transaction and/ or at risk of been penalized. Also, I am receiving late fees from the automatic payments set up previously. I don't understand why the bank didn't reach out to me since the money has been in the bank for several weeks now. This action is very arbitrary and has no apparent reason to me that discrimination since I belong to a XXXX XXXX " XXXX ''. The customer service is really bad and all they said is I am sorry but don't even try to solve the issue. I believe as a customer I deserve a better service since the bank have been working with my money lending it to other people and making a gain on interest. This is my well earned money and need to have access to it whenever I need to.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Someone opened an account in my name with Bank of America. I sat on hold for 2 hrs waiting to talk to someone to close it. 3 hrs after they did, another checking account got opened in my name AGAIN, also with BoA.
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

I was offered an opportunity to transfer deposits for a church in exchange for getting paid. I was emailed checks on XXXX Thursday XX/XX/XXXX and told to transfer the money the next day at XXXX. I got nervous since I was pretty sure it was a scam and didnt know what to do so I did as they said, and later the next day XX/XX/XXXX, the checks were processed and they were not connected to a bank account. The money had showed up as credit in the morning but werent actually worth anything. I transferred the money I thought I had through Zelle and XXXX, and lost {$5000.00}. 

These are the emails of the two people who scammed me : XXXX XXXX Here are the Zelle accounts I had to give money to : XXXX account ending in XXXX XXXX XXXX account ending in XXXX XXXX
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello just the other day TransUnion took XXXX dollars out my account and I need my account took off of TransUnion because I did not sign up to spend XXXX dollars a month on something I do not use
Consumer complaint received 2022-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

The cares act has been in continuous effect since XX/XX/XXXX. 

XXXX ... servicer of my govt studend loans has twice ( x5 loans =10 neg reports ) reported negative pay status of 120 days. 
Federal student loan payments are scheduled to restart beginning in 60 days.. President Joe Biden extended temporary student loan relief through XX/XX/XXXX, which was his third extension. this makes a total of five ... more imoptantly... 

why do i have the the servicer of federal loans reporting negative status during this timeframe? 
i have disputed this twice now... i still have negative reports. 

the cares act has been in continuous effect since XX/XX/XXXX and currently runs through XX/XX/XXXX ... No negative status reporting during student loan relief... XXXX is wrong to do so...... TWICE... why is this so hard to understand? Why are they ruining my credit? 

XXXX XXXXXXXX XXXX XXXX ( service connected ). last gainful employment XX/XX/XXXX. 
Unemployability- fully developed claim SUBMITTED XXXX and wrongfully denied XXXX, XXXX claim error presented to Veterans law judge- currently under review
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 BANK 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 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ND)

I have tried to talk with the Equifax support group at XXXX and the other number I have found XXXX option 6 and the persons or people I talk with are from another country. 
The problem is that the people from these third would countries can not speak very good or very poorly English. Why are the companies such as Equifax and the other using call centers from third world countries, that are handling the United States citizens credit information? 
It is unbelievable, that this continues after the Equifax breach which effected millions of hard-working American citizens. 
I have used up nearly two hours of cell phone minutes to talk with someone about the issues I have with the Equifax web site. No one in the Equifax support group can give me the information I require. 
I have placed the security freeze at Equifax on XX/XX/2017 and hopefully it is still in place. When asking on the Equifax support group if they can give me some type of confirmation about this, I fall into the Equifax black hole. There is no way to confirm this from the Equifax web site. 
When asking for Equifax support from the call centers in the United States of America I get the run around, and if someone does pick up, they are unable to answer, or help out with any issues, on the Equifax web site. 
This is madding and confusing why do I have to be punished as an American citizen to put up with this Equifax. I did not give them permission to do any credit checks or hold any of my credit information to sell, or release to any company for profit. 
What law is there to protect us from Equifax, or others? Seems like there are lots of laws, but none to protect the American citizens from the credit bureaus or others. Just a fine and a hand slap, well thats nice but what about jail time, seem fit, to me. 
How about this. We The People have the right to vote or this issue on the next ballot, Jail Time for the companies that have lost or might loose your information on the web. They just might pay attention to this.
Consumer complaint received 2022-10-27
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. (IL)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-05-29
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: CarMax, Inc. (CA)

I am a victim of identity theft- on XX/XX/XXXX or XXXX someone used the drivers license from my stolen wallet to get an over $ XXXX auto loan to finance the purchase of a car from Carmax and register it under my name. Naturally, they haven't paid the loan, which is still on my credit. I filed a police report ( XXXX with XXXX XXXX XXXX XXXX, FTC identity theft report ( XXXX - attached ), a California XXXX XXXX report ( XXXX ), and initiated investigations to remove the fraudulent installment account at XXXX and Carmax. 

On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX stating the following about the Carmax Auto Finance installment account : " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. '' That same day, I checked my XXXX consumer report, and I see the disputed items still being reported. 

Regarding the several inquiries that were fraudulently made for car loans, XXXX refused to remove them, stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS ''. These inquiries were the fraudulent result of identity theft, and I provided the information to XXXX to demonstrate this. It's hard enough dealing with identity theft, XXXX is actively making my life more worse. 
These are violations of 15 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer report.

Carmax, which wrote this fraudulent loan and sold the car, has also been useless. Despite promisingly to diligently investigate this fraud, instead they just began sending me billing statements for the fraudulent and increasingly delinquent account. Their bill was sent on XX/XX/XXXX, after I initiated the investigation.
Consumer complaint received 2024-05-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX, serviced by XXXX, XXXX. Upon trying to use my card, XXXX 's fraud prevention system locked my card. 

On XX/XX/XXXX, I contacted customer service, and they started case XXXX. As requested, I sent the front and back of the card, and the receipt to XXXX. 

I've since contacted their customer service again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I don't even think that they're opening the emails because the case is " Closed '' according to the customer service agent. The agent has no way to reopen the ticket, but can only suggest I resend the documents.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (VA)

No money was withdrawn or used, however a hard inquiry was placed on my credit from Amex on XX/XX/21. It must have been declined because I don't see an open account, however the hard inquiry is still impacting my credit report.
Consumer complaint received 2024-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I have a repayment plan based on my income with Aidvantage, Official Servicer of Federal Student Aid. I pay {$25.00} per month but my balance is not going down. The total monthly amount of this plan is {$25.00} a month, based on my income. I just spoke to a customer service representative who told me the amount of {$25.00} is strictly going to interest and IF I want to pay down the principle I have to pay more. The repayment plan I was approved for doesn't pay anything towards the principle. So if I keep paying this amount each month, I will be paying for it the rest of my natural life. What a rip off!!!!
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (LA)

After sending an initial complaint about Indigo closing my account and reporting on my credit report, I received a reply from Concora Credit stating that I was the one that closed my account when in Fact, they closed my account due to the fact that I didnt activate my new card.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/2022 I called XXXX XXXX to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.
Consumer complaint received 2022-08-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

, XXXX, Experian you all get the same report from metro 2 XXXX removed the XXXX XXXX XXXX I request you remove it also
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX {$7400.00} fraud remove i been asking to get this remove for a XXXX XX/XX/XXXX {$2600.00} fraud remove i been asking to get this remove over a yr XX/XX/XXXX {$6300.00} fraud remove i been asking to get this remove over a yr XX/XX/XXXX Paid, Closed. {$1.00}, XXXX written off fraud Paid, Closed remove XX/XX/XXXX remove fraud XX/XX/XXXX removed fraud XX/XX/XXXX {$7.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$8.00}
Consumer complaint received 2017-08-16
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. (ID)

I was divorced in 1998. Even though I have contacted the credit reporting agencies, two of them, Experian and XXXX, continue to include my ex-husbands information on MY report. Therefore when I am asked questions regarding " my '' credit history I do not know the answers because it 's my ex-husbands data, not mine. I was currently denied credit by two credit unions/banks because Experian and XXXX say I have delinquent accounts. The car loan I was able to secure was twice the interest rate I should be paying. My credit score is 800 or over. This should not be happening. Please advise how I can get my information alone on my reports as writing to Experian and XXXX did nothing.
Consumer complaint received 2016-01-30
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Access Credit Management, Inc. (AR)

This is a complaint in regards to the practice of Access Credit Management , Inc. in XXXX XXXX AR. First of all a default was put on my credit in 2008 but was not properly served. Secondly, it was served on a bill past the " Statue of Limitations '', as well as, the company sent me a statement with a balance of {$760.00} and would not take payment offer of {$450.00}, but proceeded to tell me only 9 days after statement that was sent, the new balance was over {$1400.00} and illegally said they would continue with the legal process. The company also contacted my employer representing Attorney XXXX XXXX 's office according to the caller ID and stated that to my employer which was an embarrassing and could have caused my job to be in jeopardy. This company is conducting practices that are unethical in several areas and consumers should be protected from these type of junk debt buying people, particular the employee XXXX.