davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-04-22
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. (NJ)

I have tried to fix this with the credit companies and with experian, experian has not done an investigation into my issues with inquiries on my credit report that i did not authorize, below are inquiries I did not authorize, if experian can not present evidence that these companies have a wet signature from me or can present evidence it was me who requested these inquiries they must remove them from my credit report due to harm they are causing to me from obtaining a mortgage and personal credit. By law companies must be able to show a wet signature to pull an hard inquirie, I did not request these companies to pull my credit or give them permission, nor can experian prove i gave them permission to pull my credit, these were unauthorized hard pulls of my credit. 
XXXX XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (FL)

I buy Biticon with the Gemani from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -NY XXXX TOTAL XXXX $ USD, after 3 days later, Gemini frozen my account and send 24 emails and no answer. After i check online in the XXXX  reviews found 100 more people with the same problem. The Gemini Exchange Company make fraudulent work here in US
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing reporting on my credit report from an old  XXXX  cell phone bill. This collection was previously deleted from my credit report due to debt that could not be validated and disputed charges and fees.  XXXX  has put this previously deleted debt back on my credit report. I do not owe this balance. This is unfair reporting and requesting this collection to be deleted immediately.
Consumer complaint received 2017-04-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Midwest Recovery Systems (NY)

I HAVE BEEN RECEIVING CALLS FOR THE LAST  3-4  YEARS ABOUT THIS DEBT. EACH TIME I ASK TO BE SENT PROOF THAT I OWE THIS DEBT AND I NEVER RECEIVE IT, THEY JUST KEEP MOVING IT TO DIFFERENT COLLECTION AGENCIES AND THEN THE CALL START OVER.ITS BEEN MANY YEARS AND STILL NO PROOF EXIST THAT I OWE THIS DEBT.
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I had a auto loan through Wells Fargo Auto that was satified through a Chapter XXXX bankruptcy that was dischsrged in XXXX 2017. Now the commpany is reporting the status of the account as derogatory even though it has been satisfied.
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in 2 separate re-investigation requests to XXXX for the following inaccurate accounts : Account Name : Medical Data Systems - Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : Medical Data Systems - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : Medical Data Systems - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, XXXX has ignored my requests, which is my right under the FCRA. Medical Data Systems has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts within the required timeframe. I have disputed these alleged accounts with XXXX, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Consumer complaint received 2017-04-18
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC (CA)

XXXX  with  National Credit Adjusters  has tried to contact my employer stating she has business with me. The return number is  XXXX  ext  XXXX . I did not authorize them to contact my employer, and I do n't know how they got my employer 's phone number.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Notified by Capital One of restriction ( no purchase authority ) on our XXXX XXXX credit card account effective XXXX XXXX, XXXX with closing in 90 days, due to lack of activity over the last XXXX years. Letter received early XXXX, XXXX, with no prior notice of intent to close account. However, the current cards in our possession do not expire until XXXX, which we intended to use during this upcoming XXXX season. Call to Customer Care on XXXX/XXXX/XXXX was unsatisfactory wherein the first agent merely repeated what 's in the letter. No option to unrestrict or reopen account once closed. She suggested to my husband he could apply for another account if desired -- which makes no sense. Why apply for a new account if the existing one can be left open? Perhaps it is Capital One 's intent to close " no annual fee '' accounts or to push people to new accounts with new terms and maybe ones with fees? 

Because this is an old account ( 20 years? ) in our credit history, closing the account negatively affects our credit score because it takes a long established account out of the mix.. We are seniors and it is an account that has been used regularly in earlier years, but less so in recent years ; however it was our intent to use again this month for the upcoming holidays. Also spoke with a supervisor ( XXXX, XXXX ) after getting nowhere with the first agent. XXXX came on the line, indicating he had been briefed by the first agent. He repeated the same mantra -- there is no flexibility to keep from closing the account. I asked for rationale for closing an account that the customer wanted to keep, that was not in arrears, with an excellent payment history, and would use in the near future. He explained it as the right of the company to make a business decision to close out unused accounts. Even though we intend to use the account and did not wish it closed, he said they would still close it. It did n't matter what the customer wanted nor is there any other option to seek an exception to this rule. I thought he was a bit assertive and showed no empathy. With another credit card account with Capital One and bank accounts with CXXXX XXXX XXXX, I am shocked with this treatment of a long standing customer. 

I would not complain if there were official prior notice of inactivity that may result in account closure and consumers are given a reasonable time ( eg 60 days ) to demonstrate use or lack of use. Plus our current cards clearly state the expiration is XXXX. Why would I think the account would be unilaterally closed with no prior notice? Keep in mind, our account is not yet CLOSED. They have restricted the account such that no purchase activity can be made, and giving us 90 days to use the program benefit points associated with the card, but it will be closed in 90 days. To receive a letter after the fact with no options, is XXXX treatment of consumers.
Consumer complaint received 2019-03-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (OK)

I HAVE DISPUTED THIS ACCOUNT AND YOU HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES YOU TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT YOUR CLAIM, ORIGANAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (MT)

On XX/XX/17 we purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. We were told it would be very hard to get approved for this loan so I was a cosigner. They kept trying to get us to buy a different ( more expensive ) vehicle. Finally they were able to find someone to finance the car. Santander Consumer USA was apparently the only place that would finance us, and at an 18 PERCENT INTEREST RATE. Yes for an auto loan. Neither of us had bad credit scores at all. The payment for this car is about XXXX a month for a {$26000.00} loan, half of the payment goes towards interest. We consulted with a few people and we were told that there 's absolutely no reason for that high of an interest rate or payment. We also wo n't be able to refinance until we pay down to {$21000.00} and currently the payoff amount is {$29000.00} due to fees, interest, and finance charges.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Credit Karma (CO)

I have a Credit Karma account to monitor my credit score. Credit Karma allow someone else to fraudulently open a Money Account with my information through a Credit Karma Money Account. They then allowed an outside bank of mine to be linked to that account and {$2500.00} was then transferred into the Credit Karma Money Account. Before any money was taken from the Credit Karma account I notified them of the fraud by making TWO 45-minute phone calls to discuss the fraud. Credit Karma then locked me out of all access to the account and told me they closed the account. The next day I was notified that another {$500.00} was transferred from the external account into the Credit Karma Money Account. So the fraudulent person still has access to the account. The actions the phone representative from Credit Karma took allowed the fraud to continue and actually assisted in it continuing by completely blocking me out of all account access. Every step of this fraud Credit Karma has very easily allowed to happen and assisted in happening. I would not be surprised to find out that the two phone representatives that I talked to were the the thieves themselves.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, BERLIN WHEELER INC XXXX Date opened XX/XX/2021 Balance : {$190.00}
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Letters were sent out on XX/XX/XXXX to dispute hard inquires on my account for : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Recovery Services, LLC (NY)

I received a call from a XXXX from a place called XXXX XXXX services for an old XXXX account that's past XXXX collection effort law. I explained I lost my job in XXXX and he told me he would notate my account. today I get a call from a person who claimed he stated his name, and when I asked again he refused to tell me and played hang up on me as he stated something to the effect you already spoke to XXXX we will forward this for further action... I demanded answers and he hung up on me again third time i called he lied said he didn't then put me on hold for someone named XXXX who also played that keep asking my name question as I already told them yes and wanted to play more games then I get a tarin on the phone who states she has no record of the previous person I spoke to!!!!! lies and against the law
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated (IL)

Comerica BankXXXX XXXX XXXX  account incorrectly transferred {$3500.00} on XX/XX/XXXX, XXXX the wrong account ( XXXX ) and have refused to return the {$3500.00}
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

The month of XXXX, 2024 should count towards my PSLF. This is one of several complaints I submitted regarding similar issues the have resulted in a painfully limited response. Typically the company responds with a seemingly autogenerated message regarding my student loans which appears sufficient enough to resolve my case.
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Account Control Technology, Inc. (IL)

Today, the president of my company held a conference with me, payroll and  human resources  regarding the attached document from Account  Control Technology , Inc. regarding my employment status. I dont know who this company is or why they are trying to v erify my employment. What disturbed the president of my company is was the fact that it states via fax " ATTN ; PAYROLL / GARNISHMENT DEPT ''. From what I know, I dont owe this company any money and if I do, I was notified properly. I had to leave work today due to   XXXX   XXXX   and visit my doctor ( i have proof of this ). I needed meds to calm down because I was having a  XXXX   XXXX  - something that has n't happened to me in over  XXXX  years. Because of this unannounced meeting with my company president, payroll and  human resources,  I had to leave work. This is not fair to me as a consumer because I dont know who this company is and why they are inquiring about my employment status without my written consent and the wording " GARNISHMENT DEPARTMENT '' in their correspondence with my employer. Had I known about a potential debt owed, I would have challenged it pursuant to the FDCPA and requested they send me information regarding the validation of the debt, the original creditor, how they came to the amount they 're seeking, licensed to collect in my state, etc ... none of this was done. They 've hinted to my employer, without validation that I owe money because they attention their unwarranted job verification letter to " PAYROLL/GARNISHMENT ''. The fact that they 've used "  GARNISHMENT DEPT '' suggests dissemination of personal financial issues without validation. I 've submitted a complaint with the   XXXX    Attorney General, Attorney  General of  XXXX  and with your office. I will continue to prosecute this matter until a fair decision is made. My attorney has all of the complaints I 've submitted to your office and to the  AG 's office and we 're waiting for a response. Based on the outcome of this and ot  her complaints submitted, I 'm ready to file a civil and criminal suit against Account Control Technology , Inc. for deceptive business practices and libel.
Consumer complaint received 2021-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX is reporting for a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. They have sent this delinquent account to RS Clark and Associates for collection and XXXX  is reporting RS Clark and Associates as a collection on my Credit Report. I have deputed twice with XXXX  and both times they have responded with results that the collection on my Credit Report is accurate. I have spoken with RS Clark and Associates and Mrs. XXXX has stated they are not reporting on my credit that this is a Credit Bureau issue that they are reporting incorrectly and that this could be a result of possibly because I have stayed in the same apartments before.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/2020 I attempted two withdrawals from XXXX bank in XXXX XXXX Washington. Neither attempt was successful. I immediately called my bank and disputed the charges. One dispute was resolved, the other was not. The charge in question was for {$400.00}. Basically a {$400.00} withdrawal and a {$3.00} ATM fee. After the dispute was denied I called again and escalated it. It was denied again. I then called a few more times to get the evidence they used to deny my claim and they have not provided me with it. It is my right to see the evidence they used to deny the claim and it seems like they are refusing to give it to me. I have filed a police report and am still attempting to resolve this with my bank ( USAA ).
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

Have received my free Experian Credit Report which I ordered through Free   XXXX   XXXX   XXXX  . The report number is :  XXXX . The company Experian denying me access to file a dispute online to incorrect i nformation on my credit report. I input of all of the correct information including Name, Social, Current Address,  Previous, Employee, and everything is correct but they still denied me access to file a online dispute. When they had me go through the identity verification process I answered all questions correctly. They questions ask me did I have mortgage opened in  XXXX  I answered " No '' because I did n't open a mortgage in  XXXX  nor have I ever to a mortgage for a loan on a house. They also asked what company did I take out auto loan with in  XXXX  I answered " None '' because I did not take out a auto loan in  XXXX . They asked what was the monthly payments I answered " None '' because I did not take out a auto loan in  XXXX  nor do I still have  one on  my credit. Experian is denying my access to file a online dispute for incorrect information on my credit even though I answered all verification questions correctly. It is unscrupulous and unethical for Experian to deny me access to file a online dispute when I put in all of my information correct, I am signed up for the Experian application which full access to my credit report every month, and I even have the actual credit report number that I am trying to file a dispute with but they are still denying me access.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have undergone a serious life threatening XXXX XXXX requiring extensive XXXX, I informed the bank of this and requested that I not be charged any fees for holding my money during this time or I would like those accounts closed instead of being charged ; the banker agreed. I was shocked to emerge out of XXXX to see that my account was overdrawn by {$100.00} or more!