davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services (VA)

I rented a car from XXXX that had a problem and I was XXXX I would not be charged. 
I was charged and asked XXXX XXXX to investigate and deny charge. They denied the charge. Several months later I received a collection letter from Viking Client Services. 
On XX/XX/2021 I wrote Viking a letter and offered to settle the {$77.00} debt for {$90.00}. On the back of the check I wrote " I full satisfaction of account number XXXX ''. Viking cashed check. Next I received a demand letter for {$77.00} from Viking. I called them to let them know that the debt was settled. Ms. XXXX XXXX informed me that " anybody can write a letter '' that doesn't change the debt and settlement offer have to come from them. 

Viking is clearly operating outside of the law. I sent a written settlement offer that they accepted. They could have rejected the offer and returned or destroyed the check. Further, it can be argued that by putting their " For Deposit " stamp over my " In full satisfaction stamp.. '' they fraudulently alter the check.
Consumer complaint received 2020-07-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (PA)

I have been trying to connect my bank to " XXXX XXXX XXXX' in order to sign up for a rent payment plan, but every time I enter my information a notice comes up that says PNC has made a change that prevents you from connecting your account. I've tried contacting PNC but they don't seem to understand what I'm trying to do with the app.
Consumer complaint received 2021-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them fro

m all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 10. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX  Account Number : XXXX This is not mine. 12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 13. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2020-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Rapid Auto Loans LLC (FL)

I wish to complain concerning the loan practices and repossession of my XXXX XXXX XXXX ( VALUE {$12000.00} ) by the above referenced company. 
In XX/XX/XXXX I took a {$4000.00} loan from Rapid Auto Loans. Within the first 60 days of taking the loan a forced place insurance was added making the payment go from XXXX a month to {$550.00}. In XX/XX/XXXX I went into the office in XXXX and demanded the insurance be dropped from the loan seeing I had been insured by XXXX XXXX Insurance for 30 years. ( XXXX XXXX made them additionally insured ) The secretary mentioned she would remove the insurance once the loan was paid up to which I did. Several months passed with me making approximately {$3600.00} of the loan. I had contacted Rapid on several occasions showing them my insurance and demanding they remove the front-loaded costs to the loan. Rapid Auto ignored my requests. 
In XX/XX/XXXX my XXXXyear-old father was in a car accident and I flew to Rhode Island on an emergency basis leaving my truck at my office. The vehicle was repossessed by Rapid AL stating then stating the balance with all costs was {$5200.00}. I did not have the money and I offered {$2500.00} cash then and {$2700.00}. with-in 60 days, Rapid AL refused the deal and auctioned my vehicle off. Rapid Auto Loan never removed the charges for insurance even thou they knew from day one the vehicle was insured. I believe this is a practice to illegally take vehicles from financially challenged individuals. I believe the practice also violates the statues and would like your agency to render an opinion on their practices. I can no longer obtain any information from this company as my loan was pulled from the internet. I can provide payments from my debit card. The ledger is with Rapid Auto Loan whose have been very discourteous toward complainant.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently reviewed a copy of my credit report these last two months and i noticed that I've had numerous fraudulents accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. These accounts keep getting reported by a third party company and keeps reopening and closing these fraudulent account which keeps causing my score to fluctuate. 

Please Remove These Illegal Items off my credit report. Please and thank you! 


XXXX XXXX XXXX {$1200.00} XXXX Date Opened : XX/XX/2022 XXXX XXXX XXXX {$840.00} XXXX Date Opened : XX/XX/2022 2022
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Recovery Solutions, Inc. (NY)

This company, Allied Recovery Solutions, has contacted me by mail, several time throughout two years time, demanding I pay {$170000.00}, on a claim about an accident that occurred two years ago. That claim is closed and they won't stop sending harassing letters to me. Threatening action against me if I don't pay.
Consumer complaint received 2017-08-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (GA)

I have balances with XXXX XXXX XXXX and it was turned over to ameri collect collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from dates XX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$240.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted Americollect multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually. This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.
Consumer complaint received 2018-12-04
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. (NY)

XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX XXXX Account XXXX ARE UNVERIFIED. 

Experian has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).

Experian HAS NOT PROVIDED METHOD OF  VERIFICATION
Consumer complaint received 2017-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PA)

On  XX/XX/2017 , I sent a letter to the credit bureau requesting an investigation of an account in collections that I saw on my credit report that does not belong to me. The credit bureau replied that they verified the account. So I send a letter direclty to the collection agency asking them to please send me the signed medical documents for this debt that is not mine. As of today  XX/XX/2017  I have not received a response from the collection agency, however the account is still listed on my credit  report.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC (LA)

Loan has been sold multiple times. All payments have been made but current servicing company ( GMFS ) claims did not receive payment from previous company ( XXXX ). All available documents including proof of payment via bank, bank statement showing electronic payment, letter from the Bank Manager, and letter from previous company have not led the current servicing company to reverse late charges, correct credit reporting, or credit previous payment and principle to account.
Consumer complaint received 2017-08-03
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: BARCLAYS BANK DELAWARE (AZ)

Hello to whom it concern I have asked Barclays to validate this date multiple times. They keep saying this so called debt is verfied but they havent sent me documnetation of this debt and its on credit report. The law states they must provide proof to these debt. They havent provided no documentation at all.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Reporting incorrect personal information : Reporting multiple incorrect addresses on my credit report : The only addresses that should appear on my credit report are the following, all other addresses are incorrect and create a compromise in my report security.. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX I only have one name and the credit bureaus are reporting several. The following is my exact name as it should appear on my credit report, all others compromise the security of my credit report : XXXX XXXX XXXX My credit report is showing associated with someone name XXXX XXXX and this should not be the case. My Spouse 's name is XXXX XXXX.
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: CARD Corporation (FL)

On Tuesday XX/XX/XXXX, my wallet was stolen from work, so I call Card.com to cancel my card as well as order a new one. It offered me the option of overnight 1 business day mailing for {$29.00}. However, after calling today I was told that I would not be receiving my card until Tuesday XX/XX/XXXX, which is unacceptable. They took my money based on the perception of a next business day delivery. I even called back and recorded the IVR given this deceptive information. I would like them to be accountable for the promises they make and return my money as they did not provide the service expected. I spoke with a supervisor by the name of XXXX with employee number XXXX, he stated that they never offered overnight service and my card had been sent XXXX using 3 day mail, although their IVR states differently. This is an unfair business practice and they need to be called out on it. Complaint is against Card.com thier customer service contact is XXXX.
Consumer complaint received 2020-08-30
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -This is not my account.
Consumer complaint received 2020-08-30
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -This is not my account.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX th I sent an online wire to my niece She never received it. I went to the bank and asked them to recall my wire. They said they requested it and would take up to 10 business days to receive funds back Called multiple times, about 7 times, each time transferred from department to department I escalated and they said this would take another 10 business date. Was told by one of the bankers they had received the funds back but they needed my brothers address, date of birth I gave them the info. Was told I would get my money back into my account. Did not receive one week later. I went to branch to speak to the banker and she said Nono e ever logged in the info. I gave the info again Still no information and funds have not been received and still supposedly under investigation one month later
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (CO)

On XX/XX/XXXX XXXX transfers of XXXX K each were made from my checking account and the arrived ok to Binance ( XXXX XXXX XXXX  ). 
On XX/XX/XXXX, 2 more transfers of XXXX K each were made from my checking account. Only one arrived, so my bank cancelled one. 
Then the company Binance ( XXXX XXXX XXXX ), issued a charge back, from the 3 transfers received, then it was only showing XXXX 
So I transfer XXXX K in total and only XXXX K are showing as received. 
Emails have sent but no reply received. 
Also my binance account # XXXX was blocked and I can't use it anymore and all my money sent is frozen. 
This is the company info : XXXX https : //www.binance.com/
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

I HAVE FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING HAS BEEN REMOVED.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

Gm Financial and XXXX XXXX  are reporting on late payments made in 2020 without any consideration for Covid or the pandemic. I have requested that this information be updated to show pandemic or something but they are blaming the CFPB and saying that they aren't required to. 
The picked and choose which months qualified but the entire year after XXXX was under a pandemic.
Consumer complaint received 2020-09-17
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: EQUIFAX, INC. (OH)

This is the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

This has been and ongoing issue and I each time before seem to have been ignored. Wells Fargo had ignored my personal concerns so much to the point of having time run lower and lower with this issue. Their last response they had stated that the statute of limitations had run out. Even with my first contact by telephone I was given the runaround without any straight answers. Each phone call nothing to nowhere. I had even asked if I could speak with a supervisor. They told me that they were not available. I know that it has been sometime. The FDIC is the folks who referred me to the CFPB. Wells Fargo had kept asking for days, dates and amounts of transactions. I told them each time I have no idea the exact amount. I do not even know the exact dates. If I had known I would have provided them with that info. I not that long ago had a bit of a windfall. That being said with my personal savings and checking was up to {$20000.00} dollars. I myself rarely spend money I have to be careful and using sparingly. I am a XXXX person and do not have much money. Wells Fargo is the bank that has held my account for many years. I do believe that it is their responsibility to keep that money safe. Wells Fargo knows how much money that I have and they also know that I can not afford an attorney. If I could have afforded an attorney I would have seen one as soon as they denied and misappropriation of personal funds. I do not qualify for much of any help and or assistants from any law service. Wells Fargo knows that I'd never be able to retain any forms of representation. So that is why I believe I had been ignored all this time.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have been attempting to obtain my TransUnion credit report since XXXX of XXXX  and each time I request it, I get a new excuse for why it can not be provided. I have sent my phone bill that was less than 30 days old when I requested my credit report, I sent a photocopy of my drivers license and my social security card. I have requested it multiple times in order to be able to check it for accuracy and each time I receive a new reason for why it can not be provided. 

I am by law, allowed a free credit report once a year to allow me the opportunity to review and dispute any information that may be inaccurate, however TransUnion has repeatedly refused to allow access to the report. This causes severe doubt that the information is accurate in the report. 

I am attaching a copy of the phone bill that I sent a copy of, a copy of my drivers license that was sent to them, a copy of each of the denial letters that TransUnion sent me in return for each request I made for the report. I am not including a copy of my social security card but it was also mailed to TransUnion.