davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (FL)

Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

I have never had a contract or agreement with Cavalry Portfolio Service. The company has not provided verifiable proof supporting validity of a debt they are attempting to collect on. Although Cavalry has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with a credit inquiry dated XX/XX/2017 that I never authorized or consented to. These appear to be violations under the Fair Credit Reporting Act.
Consumer complaint received 2020-07-17
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I recently transferred my loans from XXXX XXXX to XXXX XXXX in hopes of eventually pursuing public service loan forgiveness. After taking nearly 3 months to complete the transfer, Fed loans have incorrectly counted the amount of qualifying payments towards PSLF that I have made ( they count only 12, while my records show 28 qualifying payments ). I call them to discussed this and spoke with employee ID XXXX who stated that she agreed that it appears that an error has been made on their part, but states that it would take a minimum of 3 MORE months to correct.
I can not understand what about counting payments takes 3 months to do. I understand that these payments must be deemed " qualified '', but this company has already had my records 3 months. Now they want another 3 months. It can not possible take HALF A YEAR to correctly count payments, can it? 

I need to make life-altering decisions over the next few months that might be affected by my faith in this program 's ability to do what they have promised.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I logged into my Bank of America accounts and noticed there had been multiple fraudulent electronic transfers out of four of  my accounts totaling more than {$15000.00} to an account I did not know title XXXX. There were several transfers that took place on XX/XX/XXXX and several that showed in process on XX/XX/XXXX. As soon as I discovered this I contacted Bank of America to try and stop the transfers. They would not give me any information regarding the account where the transfers were going. They did put a hold on the account so additional funds could not be transferred. I filed four claims for fraud with Bank of America and was told I would receive a temporary credit for the funds within 10 days and a resolution within 30 days. On XX/XX/XXXX I went in to my local Bank of America Branch and opened 4 new accounts. On XX/XX/XXXX I logged into my account and was asked to verify my contact information. The recovery phone number for my new accounts was a New Jersey number that did not belong to me. I contacted Bank of America to report this. 

After two weeks, I contacted Bank of America after receiving absolutely no communication via USPS, secure e-mail, through the Bank of America website or via phone. I was told my claims had been denied and that in order to have my claims reopened I would need to have my home computer taken in and have it forensically analyzed. I took my computer in and paid {$500.00} to have a company go through the computer and compile a report showing malware and a link to the dark web. I was also advised by the company to file a report with the FBI and IC3 which I did. I submitted the companies report and FBI report to Bank of America via fax. I still received no contact. I went into my local Bank of America branch and had the manager send the information to the fraud department via secure Bank of America e-mail. 

I continued to contact Bank of America every week and half to check the status. Each time I called I spoke with a new representative in the fraud department who stated they would reopen my claims and contact me in 24 hours, this never happened. Nearly two and half months later, I still have not received any contact from Bank of America or a return of my funds. I have called repeatedly and have never been able to be connected to the person reviewing my claims. I am simply promised that someone will reach out to me within 24-48 which has never happened. 

At this point ( XX/XX/XXXX ), I am left with no other option than to retain legal representation to go after Bank of America to recoup the money transferred out of my accounts.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I contacted XXXX, Experian and XXXX via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company (PA)

Around late XXXX I began receiving calls from the Commercial Acceptance Company located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX regarding a medical debt I was not aware of. I called in and spoke with a representative XXXX XXXX XXXX about the debt. First, this representative did not do their do diligence to insure that they had properly identified who they were speaking with. They simply asked me, " Is this XXXX XXXX? '' Then upon me saying yes, he began to share information about the debt I owed without further confirmation that I was in fact XXXX XXXX. I informed him that I had recently been laid off due to the corona virus pandemic and asked for clarification about the debt. He began threatening me by stating that the debt had already been submitted to my credit report, and that I owed this balance to their client. I responded that I had not been to this provider in a while, he rudely quipped " well yeah, the balance is from 2018 so that would be a while. '' I then asked him for an itemized bill of the balance owed so that I could review it before payment. He then stated that it was not really his responsibility to due that as I should have received an explanation of benefits provided by my insurance company. He then said, " did you read the explanation of benefits they sent you? '' When I responded that I do not recall reading it he sarcastically replied, " so no, you did not read it. '' I then asked if he was refusing to reach out to his client and have them send me the itemized bill which he reluctantly agreed to do. Three months pass, and I receive a letter from XXXX XXXX with the itemized bill I requested prior. With the following text : " Pursuant to our recent conversation, please find enclosed copy of the above referenced Itemized Bill. Please be advised that this account is now in default, and that my client is demanding immediate payment of the full balance due. Payment should be made directly to this office if you wish to avoid additional collection activity. '' I contacted the client directly for clarification as XXXX XXXX sent me 3 years worth of billing statements from the client instead of just the relevant charges. I spoke with a representative at the provider who helped me comb through the charges, confirming that I had paid my co pay but other charges were assessed after the visit. She also noted that the " COLLECTION FEE '' of {$50.00} was incorrect as my balance was under a certain threshold and therefore I should have only been charged a {$25.00} collection fee. She updated the notes and balance on my account to reflect that. The Commercial Acceptance Company carelessly charged me double the correct collection fee stated by the clients own representative. Then tried to bully me into paying an incorrect balance without confirming the charges with the client first.
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Company with the phone # XXXX has called me repeatedly and told I owe a debt which I paid seven years ago. Told me I would be served by the county clerk 's office and that I would have a lien put on my assets and that they have recordings of me vowing not to pay. 

She claims that its XXXX or XXXX. I have never received a single piece of documentation. This is distressing and wrong! Other ppl have complained about them at this website XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/18 and XX/XX/18 I sent in 609 letter asking XXXX  to validate the bankruptcy that is being reported on my report on XX/XX/18 and XX/XX/18 I was sent a paper stating they would not remove the inaccuracy nor would they allow me to dispute the information with them again because it had been verified, not once have I been given the paperwork showing where, when or how this was validated. I contacted the Bankruptcy court and received a letter back stating they do not provide information to credit reporting agencies, the only way they will validate this is if someone comes into the court office and review records.
Consumer complaint received 2018-07-23
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. (AZ)

I am a victim of identity theft. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX/ XXXX XXXX , XX/XX/2018.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OK)

We were applying with Wells Fargo for a mortgage n XXXX ok. The agent said we were approved. The she, XXXX XXXX, took the action under a Wells Fargo to take a personal line of credit or debit card out against our request or knowledge. We were then declined on the mortgage but our credit dropped and we endured personal stress. We were dealt with in bad faith by what appears as fraud. We received a check as a result for {$64.00} from XXXX vs Wells Fargo. As our share of the settlement agreement. We need a fair settlement for being financially abused, defrauded, bad faith, and decline of credit rating. 
It is unsatisfactory that attorneys we did not hire get huge settlements and Wells Fargo pays hundreds of millions while victims get nothing fair
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (UT)

Toyota Motor Credit is reporting a repossession on my credit file for my auto loan on the car that is still in my possession and paying faithfully every month. They are in clear violation of the FCRA.
Consumer complaint received 2017-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (PA)

Equifax is reporting several collection against my social security number I requested full debt validation three times and Equifax have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1.XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Account XXXX with no name listed on my credit report for amount of XXXX 4. XXXX charge off account
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I have written the debt collector several times. This is the most recent letter sent regarding this debt. 

Fair Collections & Outsourcing, Inc XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE:XXXX Dear Sir or Madam, According to Landlord-Tenant Law Residential Leases Statute of Limitations. In the 5-2 decision Maryland Courts of Appeals : The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. 

Based on the date which the account was placed for collection XX/XX/2016 the account XXXX XXXX XXXX I according to Maryland Code is to be deleted from all three credit reporting agencies ( XXXX, XXXX, & XXXX ) according to the statute of limitations. 

Please communicate regarding this account to the address mentioned below. 

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2021-09-22
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: Experian Information Solutions Inc. (MI)

Three months and a half ago I received your correspondence on this alleged account stating your ( verified/ updated-these accounts attached below but obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset
Consumer complaint received 2021-08-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (PA)

This account is reporting late as reported in my XXXX and XXXX  Credit Bureaus. This was transferred to another lender so why is it acquiring late fees? Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please do so and remove the defamatory information you are currently reporting.
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (MI)

Three months and a half ago I received your correspondence on this alleged account stating your ( verified/ updated-these accounts attached below but obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (NY)

Expected {$15.00} to be on the card for an item that was returned and refunded in XX/XX/2019. Was told that that amount was refunded to my credit card instead of the gift card. That was not true. The gift card currently has a XXXX  balance and Macy 's won't tell me the truth about where it went.
Consumer complaint received 2020-07-17
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-12-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (TN)

On Tuesday XX/XX/XXXX at XXXX XXXX  and charge for XXXX was on my cash app card for XXXX dollars. I don't have a clue as to what that was for at all. And my last name can be changed from XXXX back to my maiden name XXXX
Consumer complaint received 2021-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need the below items disputed and deleted. 

XXXX NOT MY BANKRUPTCY XXXX NOT MY BANKRUPTCY XXXXNOT MY BANKRUPTCY XXXX  XXXX UNVERIFIED ACCOUNT-DELETE IMMEDIATELY XXXX  XXXX NOT MY ACCUNT TXU XXXX NOT MY ACCOUNT XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX  XXXX UNVERIFIED ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/1966 XXXX
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (AR)

I am trying to get a SBA loan for my XXXX XXXX The contractor told me he could not get a credit report from Experian. And the SBA only uses the report from Experian. So I went online and filled out the information for an annual free credit report with all 3 companies. 
The first one I choose was Experian. After I gave them all my information and they were verifying my information, the page stated OOPS Sorry. And that was it. No other way to contact them. 
I have tried over 30 phone calls using their automated system. And at the end it states they are unable to honor my request and that my information is incorrect. I tried resetting my username and then my password to no avail. 
I do not know what else can be done. 
How do you contact this company? I have tried every way possible to contact them. 
The SBA only allows 2 days until they make a decision. And Experian wants you to mail copies of your life history to a PO Box . How can they set up millions of consumers and not have a valid consumer email address to contact?
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (MS)

I am continuously receiving calls from a debt collect after setting up a payment plan. When I answer the phone call no one says anything and hangs up. This debt is owed to a company thats out of business. Theres valid proof that I owe this debt. I am paying because none of the agents would assist me. I get three phone calls a day with no introduction of who this caller is.