davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: General Motors Financial Company, Inc. (CA)

I called GM financial along with their total loss department know that as a federally protected consumer, I was opting-out of any and all authorization given to report any information given to any third party. That I the consumer have given them written/ unwritten- verbal/nonverbal per 15 USC 6802 effective immediately and indefinitely!

However they have failed to do so in multiple attempts of me contacting them submitting this request even though I was told by the two of the representatives that they had in fact submitted my request. With them failing to do so has took a toll on my credit score damaging my reputation unforeseen future credit extension as a consumer to get to get things I need.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (AZ)

On XX/XX/2023 One Main Financial closed my account with them and charged off a prior loan of {$7400.00} as " bad debt ''. This was then reflected on my credit report showing a {$0.00} balance and closed account. On or about XX/XX/2023 XXXX XXXX XXXX purchased this information from this closed account and reported it as an ongoing debt for myself. I have no written contract with XXXX XXXX XXXX, I have never received any written or telephonic communication from them, and this showed as a debt for me as of XX/XX/XXXX, XXXX pulling my credit score down a day before I was set to apply for a new mortgage loan. The actions of XXXX XXXX XXXX negatively affected my credit score to the point that I am now out of range to qualify for a mortgage loan. I also question the validity of the collection agency as it may be a front or a scam agency.
Consumer complaint received 2015-07-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Synerprise Consulting Services, Inc. (TX)

I received a bill in XXXX year olds name for a surgery he had on XXXX/XXXX/2015. Im not sure how they put the bill in my sons name since im the person who filled out his paperwork. So I called them after getting the bill and informed them that my son is only XXXX and that they need to put the bill in my name. I gave them all my information and the collector said that she would remove XXXX name but she never did and I kept receiving collection calls for my son and each time they said they would correct the problem, In total I received XXXX calls for my son who by the laws in XXXX you can not collect or enter into a contract with a minor, So when they called today I talk to XXXX who ask to speak to my son and told me it was a personal business matter. I asked the name of the Company and yes you guess it XXXX. I then ask for the Manager ( XXXX ) and told her that I was going to file a complaint if they do n't correct the billing and she laughed and hungup in my face. I then called back and spoke to someone XXXX who said that she was correcting it. I then told her to send me a new bill showing the corrections
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer under an open end consumer credit as late for any purpose.
Consumer complaint received 2021-06-04
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: AES/PHEAA (FL)

FEDLOAN Account Number : XXXX {$110000.00} I have had my rights violated in regards to the Validation of Debt and Identity theft where my information was provided to the governing bodies of XXXX  XXXX XXXX  XXXX XXXX. 

As a consumer by law this account must be deleted immediately. 15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; You Violated The United States Code Law 15 U.S. Code 1681b- Permissible Purpose 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible Purpose of Consumer Reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. I never gave you any written consent to report anything on my consumer report no consent is Identity Theft. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I view my credit reports Transunion that reporting that from collection creditor ( XXXX ) account number XXXX.Adress XXXX.I contacted with XXXX collection department .I spoked with supervisor employee name XXXX and his contact number are XXXX.He verified account are not under my SSN or address and is not my account and I also talked to Transunion they cant not do anything but disputed, and i already did as XXXX/XXXX/2016 and file number XXXX and contacted with supervisor transunion XXXX from consumer contact dept.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with statefarm. A company that I have never done business with. Ever since I started driving my insurance companies have been allstate and travelers. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.
Consumer complaint received 2017-03-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America needs to comprehend and appreciate the complexity of legal matters which have interacted into XXXX, XXXX XXXX XXXX. THIS CFPB Complaint supplements XXXX. USDJ stipulated settlement to BofA was caused or brought about, all or in part, in 2008, when IRS estate tax proceedings were obstacled by a realtor bandwagon, who may have been staging strategies for an estate coup de tat, which was counteracted. SERIOUS HUMAN RIGHTS AND CIVIL RIGHTS VIOLATIONS BECAME INTERTWINED, AS FEDERAL, STATE AND LOCAL GOVERNMENTS, WITH BANK OF AMERICA AND ITS PRODUCTS, BECAME VICTIMS WITH US, XXXX IN NEEDLESS DAMAGES.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Revolut Technologies Inc. ()

I was approached on XXXX by a thinking ahead recruiter who offered me a job in XXXX XXXX. Each task became negative balance that you had to deposit money into in order to finish the mission and it would double or triple your earnings and commission. 4 months later, I am now XXXX euro out and they still ask me more money in order to release my funds into my XXXX wallet. Every time they tell me its the last step and they came up with some new excuse to get more money out of me but because I had invested so much already I wanted to get my funds back so thought I had no choice. I was trapped. They wont release my funds unless I send them another XXXX supposedly to pay crypto tax but the certificates and documents they sent me look like fraud and I asked the real companies who are mentionned in the documents ( XXXX, XXXX ) and they have confirmed it is fraud. 
I have transferred them XXXX through revolut, which are now reclaiming more money in order to get my funds back.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Colony Brands, Inc. (NY)

Swiss Colony. Have been receiving numerous early morning phone calls, text messages & emails claiming my account is past due. I log on to my account to verify that I have paid each month on time. I disregarded incoming calls & texts as spam. I am enrolled in XXXX credit monitoring. I received notification that Swiss Colony has posted negative late payments to my credit report. I called Swiss Colony, and after several holds the agent discovered a XXXX account. An order placed for XXXXXXXX XXXX delivery went under a new account. I have never received a statement for this new account. She linked both accounts to my current account that I receive statements for regularly. However, she refuses to remove negative late payments off of my personal credit report. After heated argument she hung up on me. I am now reaching out to you.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (AZ)

I put money in my Robinhood account after getting my check so I could use XXXX to pay my rent. My XXXX account isnt useable with XXXX. They then locked my money because they say the account has been dormant even though I have always used it off and on.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have reached out to XXXX, Transunion and XXXX. asking that they verify all of this negative account I also asked for proof of investigation, all agencies sent a copy of my credit report and no proof that these accounts belong to me. comparing all credit report all this account multiple inaccuracy and inconsistency between the three reports, so how is that these came back verified? no proof was of investigation was shown to me. XXXX placed a legislative freeze on my account which drop my credit score more than XXXX points i did not put a freeze on my credit file and it is very damaging to my credit I would like to have all of these collections deleted from my credit because I have never signed a contract with any of agency nor did I authorize any transaction with them. every single item on my XXXX XXXX and Transunion is not reporting as not disputed when i have indeed disputed so I am attaching my credit report because it's a lot of accounts
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (MD)

XXXX is trying to collect from me. I have not owned a comcast account for the last 2 years. I have XXXX. this account is listed as opened in XXXX, XXXX also never recieved a bill if I did owe before it placed on my report.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AK)

Received a phone call from an automated message claiming to be calling about an issue with my debit/credit from Chase Bank and I usually hang up by that point. I have not banked with Chase  in over a decade. I have received this call multiple times but am finally reporting it. The number that called me was XXXX XXXX XXXX XXXX XXXX from XXXX, XXXX, XXXX according to the caller ID. I block the number each time I get one of these calls.
Consumer complaint received 2015-08-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (NV)

WELLS FARGO seeks to enforce a debt which is barred by the four ( 4 ) year XXXX Statute of Limitations, is unenforceable and illegal for collection. I have hired a XXXX Private Investigator to determine if any filing or judgment exists in the State of XXXX or XXXX. None has been found. 

The debt is not mine. THE CLAIM IS MADE AGAINST THE NAME OF XXXX, but it has come to my mailing address in the past.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (AR)

Jefferson Capital llc a debt collections company has reported on my credit report that i owe {$340.00} debt. I've requested on multiple occasions for verification of said debt and Jefferson Capital hasn't sent me verification of debt. I have no contract with Jefferson Capital. I've never had a contract with them. My credit score has dropped XXXX points over night because of this unverified alleged debt Jefferson Capital reported. Again I have never had a contract with them. They are using my private information which goes against the privately Act Of 1974, 15 USC 1681c-2, HJR 192, 15 USC 1692g , 15 USC 1681a , 15 USC 1681 ( b ), 16 CFR 313, 16 CFR 313.2,15USC 6802. They are acting in dishonor and its effecting my credit score.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (CA)

On XX/XX/XXXX a wire transfer for XXXX dollars was placed to my current account. As wires are not a feature of current they notified me that the wire was rejected and with the receiving bank. I contacted their customer support via chat around XX/XX/XXXX. I was notified by several different reps that the issue was being escalated to their custodial bank who is in charge of their wires. It is now XX/XX/XXXX and they continue to give me the run around with the funds still not in my account. 
I called the bank they use to see if they could resolve it and they said that revolut just needs to call them and speak to their wire department.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (OR)

In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Debt Dispute Violations by CRAs : They have reported late payments when I paid timely and in full accordance with my loan and XXXX agreement at the time of signing. The XXXX loan agency failed also in notifying a creditor that I disputed the debt that it has reported and has repetedly failed to conduct a reasonable investigation of my disputes, and, or correct or delete any of the inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. 

When the loan was opened with he assistance of a XXXX counselor at XXXX XXXX XXXX it was stipulated in the loan agreement that due to my XXXX I would always receive mailed statements. No statements were ever mailed. My account was part of a system issues that removed my account from being billed. And, the billing status was never rectified.
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

Sometime in late XXXX I received an offer from Citi bank to join their CitiGold Checking account program. The literature stated that a bonus of XXXX TY points would be awarded if I met the required terms and conditions. This seemed like a decent deal to me ( given the fact they charge a high monthly fee for the account ). Once I had met these conditions I sent a secure message to confirm that I had all the details correct. I received a message in return stating that " yes, I had completed all the necessary requirements '' and was given a date when the points would post. This date passed and I sent a second message inquiring as to what the delay was. I was then told that I was n't eligible because they believed I had not originally been targeted. This application was submitted in XXXX and I naturally do not still have the slip I received from them about the offer. I have screenshot the message from the rep stating that they had in-fact confirmed my eligibility previously. More disturbing, is that when I attempted to access the older messages where they had confirmed I had met the requirements I was unable to do so.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (TX)

T-mobile renewed my 2 year contract without letting me know, when I just had XXXX months left. Told the manager at the store, and he said he would have it fixed ... its been over XXXX years.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

Date of Complaint : XX/XX/XXXX On XX/XX/XXXX I received a job offer from a person on the professional social networking site, XXXX. The position was a well-paying remote position and the email looked reputable so I decided to pursue it. The employer claimed on XX/XX/XXXX that he would need remote access to my phone and laptop to install the software I would need to do the job. I would also receive a check in the mail for XXXX XXXX XXXX XXXX XXXX dollars as upfront payment. Since I have worked from home before, this did not seem like a red flag as I've had other employers need remote access to my devices before. The job poster told me to click a link sent to my email for them to access the devices. I did and the poster downloaded software on my computer. Shortly after, I got an email from Wells Fargo claiming XXXX had been activated on my account and there was an unauthorized transfer of XXXX XXXX dollars to a name I did not recognize and I did not make. As soon as I realized that this was an unauthorized transaction, contacted Wells Fargo and put in a Fraud Claim. I received a letter on XX/XX/XXXX from the Wells Fargo Claims Assistance Center claiming that " after examination of account and transaction details, it has been determined to be authorized. '' This transaction was unauthorized and I had no part in sending any money through XXXX. Under the Electronic Funds Transfer Act, I am entitled to my money back but Wells Fargo is claiming the transaction was authorized.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CT)

Last Fall Macy 's charged me for an loyalty program I did not buy. 
I asked to have it removed several times. After many months, and escalation to supervisors at Macy 's credit they removed the charge and interest. 
I am now receiving bills again from Macy 's with interest charges with small but incorrect interest charges. 
Macys also failed to update my credit and remove the erroneous late payment information. I can not be late to pay something I did not buy.
Consumer complaint received 2016-04-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Works & Lentz of Tulsa, Inc. (OK)

I continure to receive Debt Collection Letters from Works & Lentz Inc regarding Medical Bills to which I do not owe and have proivided Notarized Identity Theft Affadavit as well as Police Report, as well as Cease and Desist and they continue to Harrass me for debts I do not owe, and have now sent Medical Records on someone whom I do n't know and that is FEDERAL HIPPA VIOLATIONS.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (FL)

I have an account listed on my credit report from Focus Receivables Management. I did n't receive anything from this company. This account, now almost 6 years old, was settled with original holder - XXXX. I have not received phone calls or mail from Focus Receivables and it is greatly impacting my credit.