davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
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. (FL)

The SBA issued a loan for XXXX in the name of my company under my parents address in XXXX XXXX Florida which does not have any connection to the business. I only found out this happened when I got mailed a bill to there address dated XXXXI did not apply for this loan and did not receive any money. I have contacted the SBA to report the fraud and also by mail which was delivered certified mail on XX/XX/2021. But I have not heard anything else back from them as far as resolving this. 

I have filed a police report case # XXXX with the XXXX XXXX XXXX XXXX Florida which is where I live, the detective couldnt do much since the crime seems to be done online so he said he sent it to the fbi. 

I have locked all my credit scores since this occurred.I have reported this on XXXX XXXX and followed there steps which now include contacting you. I have also reported this on XXXX 

The bank that I guess opened a fraudulent account for the loan is XXXX XXXX XXXX they contacted me about a week or two after reporting to SBA the fraud, they only asked if I didnt open the account they had which I didnt said it was likely fraud and that the account was opened online but would not give me any other info. 

The credit agency that did the fraudulent credit check is experian who I notified in writing that this background check and loan where fraudulent and I have not heard from them, the notice was sent certified mail and recieved XX/XX/2021 Thats all the info I have hoping to sort thru this and get on with life.. thank you
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

This is pertaning to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through Chex systems and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.
Consumer complaint received 2021-02-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (IA)

NCB Management was to take money out of my bank account every 2 weeks and were taking payments out weekly, increasing amounts that I DID NOT agree upon. This caused me to get overdraft charges from my bank and gave me enormous amounts of stress and anxiety. I contacted my bank and requested a stop payment in the amount NCB MANAGEMENT was taking from me weekly as it was supposed to be biweekly. Since doing so I am getting 5-10 calls per day from NCB MANAGEMENT. A man by name of XXXX XXXX is leaving me voicemails multiple times per day stating he is a debt collector. I have paid the debt in full and then some.
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I received an email about a job I had applied for as a personal assistant to an art seller under the name XXXX XXXX. I was interviewed by phone, and asked to disperse funds upon recieving checks via XXXX delivery. I made deposits of 2 checks, one on XX/XX/XXXX and another on XX/XX/XXXX. The first deposit amount I was told to keep XXXX as my weekly wages, and send the remainder in the form of 2 online transfers using XXXX, one for XXXX, and another for XXXX, totaling XXXX. The amount in its entirety has been recalled from Bank of America by the sender, leaving me to answer for the negative funds. 

Now, the second check, which has already been established by BOA as likely being a scam check, will not be cancelled because its, out of their reach. The bank still has a week before its supposed to clear the check, but refuses to cancel it. Its as if i am staring at an oncoming train from the tracks, and I am not allowed to move. Ive made a huge mistake in accepting this money, and sending it to whomever is recieving it. Now that I realize, and greatly regret, my mistake, BOA will not allow me to miss this impending financial wreck.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (PA)

Received collect satement letter from ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ph # XXXX ) for the amount of {$480.00} XXXX  reference XXXX XXXX from creditor PayPal , Inc . I contacted XXXX on XX/XX/21 @ XXXX AM ( w/ XXXX ) asking about this matter where I don't have ant PayPal account and e-mail releted with account wasn't belong to me. She state will take care of issue but sine I read a lot of rviews agains this company I decided enter a claim at Consumer Protection Bureau.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (MI)

I have sent two different letters with supporting documentation, and instead of reporting the information the correct way. They went back a whole year and totally reported incorrect information nine tines ( 9x ), in addition to adding a comments of me being late multiple times with 30-90 day marks. This is INCORRECT, this account was closed owing no money back in XX/XX/2018. I have asked them to correct it and they keep putting LIES on my report causing my score to drop by XXXX. If an account was closed in 2018 how is it being reported now with TONS of incorrect information. I was trying to buy a house and this reporting has totally stopped it all, angry is an understatement!!!
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX, XXXX  and Transunion have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA XXXX, have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.
Consumer complaint received 2021-05-29
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Kohls stated my XX/XX/2021 billing that I did not my pay credit card balance statements for twXXXX months ( XXXX 2021 ), then put a ding on my credit reporting for non-payment. I received an email notice in XX/XX/2021 from Kohls regarding my lack if payment. 

I immediately XXXX XX/XX/2021 XXXX contacted Kohl 's Customer Service Dept. to investigate this issue. Upon my discussions with Kohl 's I discovered that Kohl 's sent my billing statements to the wrong address for the last two months and not to my old address, but an address I never heard of. I relayed that info to Kohl 's C/S without my success. I immediately paid off the remaining balance of the bill and have been escalating this issue through Kohl 's C/S Dept. with without much success. 

I have NEVER missed or was late with a payment to Kohl 's in my history with them. I have a had various issues with Kohl 's the last four years since I moved with packages being sent to the wrong addresses, However for the most part my billing has been sent to my current address, except for this incident.
Consumer complaint received 2020-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (AL)

This is a supplement to my complaint filed XX/XX/20 against Bridgecrest. They illegally repossessed my car even though I've never had a late payment and all payments were up to date. They charged me {$910.00} in fees ( {$290.00} repossession fee, {$270.00} for a key, and {$340.00} for impound ) plus I had to pay the entire loan balance or they were going to sell the car at auction. They admitted they never really ordered a key for {$270.00}. They will not give me a receipt for the {$340.00} impound. They sent me their transaction history and said that is good enough. However, it is not good enough. I need a receipt that says what the {$340.00} was for. The transaction history does not say. My insurance will not reimburse me without a receipt. They have stolen money from me and refuse to return it. Also, they said they are reporting the repossession on my credit report even though I've never had a late payment and the loan is now paid in full. Please investigate these people. They are scam artists. I have spent hours on the phone with these people to no avail. Please help!
Consumer complaint received 2021-05-29
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 — Their investigation did not fix an error on your report
Company: Debt Recovery Solutions of Ohio, Inc. (OH)

I was notified of a derogatory mark on my credit report by my credit monitoring service. I pulled my report called the debt collection company and got the original debtors info. I called and found out it was a medical bill for my minor son who was living with his mother, my ex wife ( custodial parent ) at that time.

The medical billing department stated they billed me because I carried the insurance. The sent all bills to my ex wife 's address as that was the address they had on file. She never paid or notified me of any bill that came to her address. She signed the financial responsibility papers when taking him to the Dr . I gladly paid the billing department directly and was told before hand that it would remove it from my credit report. 
As I was never properly notified of the debt how could it be a late payment on my part? I am being punished by an error on the doctors office. Both the credit reporting agency, XXXX  and the collector. Debt Recovery Solution will not do anything about it after 2 appeals.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Experian continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls Experian has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's XXXX and XXXX.
Consumer complaint received 2020-11-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Usaa Fraudulently enrolled me without my knowledge in a covid banking program that waived my NSF charges. This harmed my credit because when there was an issue with my usaa credit card payment I was unaware even though I logged into my account daily. Had they left my account alone I was have known there was an issue and resolved it quickly. Instead I was notified by credit karma!! Thats awful. Usaa called a number that I said was not a good number for me. They had no right to enroll me in a program that I didnt ask for that gave me no notification of problems. Because if this usaa reported I was 30 days late when I had no idea there was an issue and this was caused by the covid banking program that I never asked for. Why would I ask for a program that blocks banking notices and doesnt help with anything. I didnt need there help if I did I would have asked for a different relief. My credit was great and now because if them it XXXX. Plus they lowered my credit limit.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been harassed by a company named XXXX XXXX XXXX. XXXX. They're calling about a debt with XXXX ( acc # XXXX ) that dates back to XX/XX/XXXX. They're calling my family, my employer and I average about 30 calls a day from them. EVEN THOUGH I told them on XX/XX/XXXX to " cease and desist ''. I called them AGAIN today and asked them if they knew about the FDCPA? THEY HAD NO CLUE. They also claim they have another account in their office for XXXX XXXX? ( account # XXXX ) from XX/XX/XXXX. I asked them on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX to STOP CALLING and they still call! I've asked if they keep notes or they record their calls? THEY hung up on me! PLEASEEEEEEEEEEEE HELP!
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

XXXX XXXX XXXX XXXX XXXX {$910.00} Thise account is being reported inaccurately and has violated my rights according to the laws listed below. 
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. States : A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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.

I am requesting your assistance in having these items removed from my Consumer report.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

This is a formal complaint against IQ Data International located in XXXX, WA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, IQ Data International has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

To whom it may concern on XX/XX/2021 I provided XXXX TRANSUNION, XXXX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MN)

Wells and its vendor charged some customers for unnecessary insurance even though these customers had provided Wells Fargos dealer-partners information about their existing insurance. Wells Fargo has agreed to provide remediation of more than {$380.00} XXXX to approximately XXXX auto finance customers. The remediation will include payments to over XXXX customers whose cars were repossessed, and for whom the unnecessary CPI charges could have led to the repossessions. The CFPB and OCC are working to ensure that the auto finance customers are fully remediated by Wells Fargo. 

Wells Will Pay Auto Financ This is part of the agreement wells fargo made with the states they put cpi onmy truck and it made my payment way to much for the income I get from XXXX. I had full coverage on the truck and they never even asked me if i did. They are trying to settle on XX/XX/2020 for XXXX and then XXXX it is my fault I am so sick of dealing with these people I want outside arbitration. I have asked 5 times.
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (FL)

I applied to open a small business checking account with TD Bank in XX/XX/2021. Application Confirmation Number was XXXX. On XX/XX/2021, I received a text thanking me for my application and informing me that TD Bank was " unable to open a business deposit account at this time ''. 

I think TD owes the customer a more precise explanation as to why the customer is being, essentially, rejected, in lieu of the customary, pointless apology concerning 'inconvenience '.
Consumer complaint received 2021-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I have recently discovered that there is unauthorized information in my name being used on my credit report. I do not know where these inquiries came from all on the same date. I have a security lock on my credit report and I was not alerted to this information being authorized. I am requesting that these be deleted from my credit report. I have reported this information to the federal trade commission, I will attached a copy of this report reflecting all items that were found to be unauthorized. Please open up and investigate this matter and remove the unauthorized items as soon as possible.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

To whom it may concern on XX/XX/2021 I provided EXPERIAN, XXXX XXXX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MS)

The only reason I found out about this fraudulent debt is because my credit score dropped 52 points on XXXX XXXX. This is the second time and both times I contacted every doctor Ive seen in the last 10 years and none use XXXX XXXX XXXX XXXX XXXX or Phoenix financial services. Both were for {$66.00} and I had to submit a claim to the credit bureaus. Its not my debt. I believe it is a scam. I never received any notification at all that it existed. They just showed up. I managed to call the collector last year but it took 2 weeks and they hung up on my when I wouldnt give them my social in exchange for the contact information on XXXX XXXX XXXX. I called several different campuses owned by XXXX XXXX  now known as XXXX XXXX talked to several financial officers and billing specialists in clinics and hospitals and I have no EOB from my insurance company for the alleged date of XX/XX/XXXX or any other date. I checked through all my papers and looked online. It feels like Im being hustled and if you check on this collection agency XXXX  page or general websites MANY people have said the same thing happened. This is ridiculous.
Consumer complaint received 2021-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (VA)

After thoroughly looking through the OPENING loan disclosure documents provided to me XX/XX/XXXX, the FAQs on the loan servicer 's website, and TILA, I have discovered that I am still missing the APPROVAL and FINAL disclosure documents required to be given to the consumer in accordance to 12 CFR 1026.47. These THREE documents are still not accessible. As I was not provided with my FINAL disclosure, I was not given my payment schedule, ultimately allowing the servicer to pick and choose my billing cycle and payment date, which violates 12 CFR 1026.47 ( b ) and 12 CFR 1026.47 ( c ). Since XX/XX/XXXX, my payment date and billing cycle have changed at least one time. As the due date has apparently changed, I have no way to verify what the actual due date should be and I am still not receiving the statements in a timely manner so I can make the payments on time.