davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Possible Financial Inc (CA)

I have not applied for loan. Everything that is reported is inaccurate from dates to account number In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the refit report. This grounds for removal they also violated my rights under 15 US C 1681 section 602 states I have the right to privacy. 

15 U.S.C 1641 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my writer instructions. 

Also the Credit bureaus took more than 30 days to complete.
Consumer complaint received 2022-04-06
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. (GA)

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
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: CITIBANK, N.A. (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Modern Adjustment Bureau (CA)

I have a dispute with Modern Adjustment Bureau who failed to verify the account in my name according to my stipulations stated in a conditional acceptance contractual agreement that was mailed to Modern Adjustment Bureau which did not properly respond, I sent out a Notice of Default which Modern Adjustment Bureau never complied I have properly documented the proof of mailing dates with stamped receipts of the contract then approximately after 10 days the Notice of Default to respond which they did not respond properly according to the stipulations of the contract I also have the original copies of the contract with the account in question. I have the right to demand what is stated in the agreement due to the fact there is a legitimate contract and the respondent refused all my attempts to remedy this through this contract. I have attached the conditional acceptance contract, the Notice of Defaults and the postal proof of mailing receipts that I sent to XXXX XXXX that failed to respond according to what was stipulated in the contract ( see 1st paragraph of page 01 of contract ) approximately 10 days after not the response I sent a Notice of Default with Intent which they did not respond since my attempts to remedy this situation was unsuccessful I feel the need to report. 

DEFENDANT INFORMATION Name : XXXX XXXX Title : Supervisor Company/Firm Name : Modern Adjustment Bureau XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX XXXX California Zip XXXX XXXX Telephone : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I signed up for a Platinum card from American Express in XXXX, XXXX. The same month the annual fee was due, for {$550.00}, covering the whole year until XXXX, XXXX. Amex decided to cancel my card for no reason XXXX no late payment, no bankruptcy, normal purchases ) and took my {$550.00} with them. No refund and no prorated refund. So it seems they gave me a card, took my {$550.00} and closed my account right after. Is this legal?
Consumer complaint received 2017-08-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I originally obtained the student loan with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I call myself consollidating the loans for {$1000.00} with an 8 % interest rate and another loan for {$10000.00} with an 4 % interest rate. I did n't know that the {$1000.00} loan of 8 % would bring my {$10000.00} loan of 4 % up the 8 %. That caused me to have a {$11000.00} loan with an 8 % interest rate. I filed a complaint with you all on XXXX XXXX stating that XXXX XXXX should have informed me that my payments would go up because the interest rate went higher on the {$10000.00} loan which is loan shark practice. Nothing happened from my complaint. XXXX XXXX only transferred or sold my loans to Navient. Now Navient is the loan company who ruinded my credit because mh loan have exploded to almost {$30000.00} even though I have paid over {$20000.00} on it.
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company, Portfolio Recovery keeps contacting me for a credit card debt that Im not familiar with. Also I asked the representative who called me, when did this debt Occur, and they told me, over 7 years ago, I mention and reminded them that the debt passed the stature of limitations based on California Law.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service (MI)

First I have never had a magazine subscription in my life, so when I got this phone call and this guy started threatening me I got pretty snappy. This dude XXXX XXXX XXXX XXXX XXXX XXXX had tons of my personal information, my last 4, full name, previous addresses and email, but a bunch of bogus info that I didn't recognize too, addresses I have never lived at, emails that weren't mine but used my name. He says he is gon na call me back tomorrow and he wants me to settle a debt for this alleged magazine subscription, I never had, from 2014! Well I am a mouthy guys so I really worked this guy up, got him upset and got him to start making threats. Now he alleges that this company " XXXX XXXX XXXX '' made a verbal contract with me over the phone but refuses to provide any proof of it, he says they have a recording of my voice agreeing to a magazine subscription, and that I either have to settle the debt with him for {$280.00}, or be sued for {$2000.00}. Because he had so much of my info I thought someone was using my information ; but when I got home I started looking and I found this ... XXXX XXXX XXXX That link shows 43 complaints with the XXXX and many of them are far better worded and explain in better detail what is going on. Oh and this XXXX XXXX XXXX That link is to XXXX XXXX XXXX , it is not able to be located by the XXXX it is not a real company and it is definitely linked to the Southwest Mediation Service that XXXX is working for. XXXX XXXX XXXX XXXX is a XXXX XXXX that is issuing exorbitant fake debt and then attempting to settle that debt for less through the Southwest Mediation Service out of Nevada under threat of a suit that sounds very similar to a SLAPP suit. and guess where XXXX XXXX XXXX are??? Georgia! Because of course Georgia, because that is where XXXX XXXX reported that these ridiculous law suits are still legally entertained by the courts.
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

I found XXXX XXXXXXXX XXXX on my XXXX XXXX report. I do not recognize this company or ever having done business with them. Under Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

This so-called " company, '' Portfolio Recovery, calls incessantly on both our home line and now my new cell. Check the reports on the XXXX  phone lookup ( XXXX XXXX XXXX  ) : They are scam artists and need to be shut down now. Per the alert on that site, dated XX/XX/18 :

Portfolio recovery junk debt buyer, they will harass and threaten with being arrested and put in jail. They are in violation of Federal collection laws and have been sued hundreds of times in the last year and have lost. Report the number to your states attorney generals office and the FTC, FCC and XXXX. We don't owe anything, and I'm sick of their invasive harassment. Our landline is on the national Do Not Call registry, and I am putting my cell # on that registry today, for whatever good it will do. FYI, they apparently also change their # s to make tracking more difficult.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

A vehicle loan with All Bank was paid off TWO and HALF months ago and it's still on all 3 Credit bureaus! I've called Ally and emailed them. I found out because I was denied credit on another loan because of incorrect debt. The Credit Bureaus/Banks NEED TO BE REINED IN on correct AND TIMELY credit data! 

XXXX took NO RESPONSIBILITY although they have a " dispute '' resolution system. They state, at best, THIRTY DAYS to correct errors!?? DO I GET 30 days?? 

NEW LAW ( S ) /REGULATIONS NEEDED : 1.Credit Bureaus ARE NOT to tell citizen WE have to make Lender correct errors THEY REPORT! They report as 'gospel ' what Lenders send them! ONCE citizens report PROBLEM, The Big Three >>>MUST<<< CORRECT It! 

2. BUREAUS/BANKS FINED and portion goes to CITIZENS for such as above! WHY should WE have to do all this battle when we're WRONGED?? NO ONE should have to HIRE a LAWYER to fight issues as above. BIG FINES ( Equal to initial loan amount misreported goes to Citizen!!!! ) would negate court delays and GET ATTENTION of bureaus and banks that make Billion $ AT CITIZENS ' EXPENSE! 

3.DO IT ASAP! Every day I am SURE similar is happening to everyday people who have to fight this on top of trying to live their own lives.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with Transunion. I have contacted transunion in regards to my XXXX student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX  they show this are  loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

On MondayXX/XX/XXXXmorning at XXXX XXXX I discovered at least three fraudulent changes on my checking account with TD Bank. Two were charged to XXXX XXXX ( {$940.00} + {$680.00} ) and one was charged to XXXX ( {$1.00} ). 

I called TD Bank and reported the fraud. They told me that the card was compromised and the card would be deactivated. They told me that I had to wait for the pending charges that I saw on my account to post before they could dispute it with XXXX XXXX. 

The XXXX charge dropped off. 

They told to me to check periodically and as soon as the charges posted they would begin the investigation. I called again TuesXX/XX/XXXXand and again todayXX/XX/XXXXbecause the charges are still listed as pending. 

My question to them is why had n't they done anything in the intervening 3 days? 

I asked them to explain the logic of waiting for pending fraud changes to be completed, and then to have to recover the money that was now stolen. 

I also questioned that a credit card transaction was different from funds being handled as a debit from a checking account. After I got off the phone for about 12 minutes. I checked the email status of the complaint that I had registered on Monday XX/XX/XXXX. ( XX/XX/XXXX XXXX XXXX XXXX right after the phone call ) This is what it said : Dear xxxxxx, Thank you for contacting us in regard to your account. 

To dispute the Debit Card/POS debit charged to your account, please contact our 24 hour Customer Service department or visit a customer service representative at your nearest TD bank store and ask hem to fill out a regulation E form for a merchant dispute. This form will grant us the authority to act as your advocate and research the disputed Debit Card/ POS debit. '' Five minutes ago on the phone TD Bank was still telling me that I had to wait for the charges to post before anything could be done. 

To add insult to injury I was in a TD Bank branch the morning of XX/XX/XXXX to get another debit card, and could have filled out the dispute Monday morning. For some reason TD Bank did not want me to do that and either willfully lied or misdirects its employees
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (OK)

XX/XX/XXXX, World Acceptance CorpXXXX reported to XXXX, XXXX & XXXX a charge off status to an account that was opened under my name. Oddly that a company would report an account charged off for XXXX after two months. In XXXX of XXXX my wife and I began looking into buying our first home. As a blended family we both had a few things to work on from previous marriages. This item was one which raised a question, to my recollection I hadnt opened account with this company. On XX/XX/XXXX, I went into their office asking for a copy of account they reported under my name. I was given a trade line printout and told they had a copy of my ID and signature. Since we had an established membership with XXXX XXXX I notified them and they told me they would send out a dispute on my behalf an to take it a step further I would need to have the dispute form notarized and returned to them with any documentation I had received from World Acceptance Corp. XX/XX/XXXX I went down to my banking institution and had the form notorized and put in the mail that same day. We had already began working with a real estate agent I asked them as well what their thoughts were and if this could effect the outcome of buying a home. They replied, most definitely am advised to dispute the item with the credit agencies as well as the company directly. I was informed by XXXX XXXX that I had to give the company some time to investigate the account before it could be updated or removed depending on what was found. XXXX on XX/XX/XXXX I challenged the item again to date it still remains on my file. After much time passed the real estate agent suggested filling out a police report and file a complaint with CFPB. XX/XX/XXXX, we went down and filed the report with the local police department.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AZ)

The ATM at XXXX off of XXXX XXXX and XXXX in XXXX, AZ XXXX has been down too many times to count with no one around to have it fixed. It seems like everytime I go it's broken or out of service. Today for example I get there I'm waiting in line with the bank closed and no supervisor or support there at all. There was a XXXX man banging on the machine with his fists with no one stoping him. I thought to myself where is the store manager or bank manager to  stop this wreck less XXXX from destroying the ATM? When it was my turn to walk up to the ATM to do a simple transaction, it was out of service from the XXXX banging on it with no store supervision! I want to file a formal complaint. This location and mannor is unacceptable.
Consumer complaint received 2020-10-12
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. (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account inmy name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (AL)

In XXXX of last year I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was unable to work. I XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. I have since returned to work but my mortgage is overdue. Please help me with this issue
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I check my credit with Experian.com. I was very upset. there are Accounts that I did not Authorize I don't understand how this is Possible I work very hard. I'm a XXXX  XXXX  with XXXX Kids That I have to support Making sure that I create a good life for them. I want to be able to purchase a New Home for them, as I begin to start my process I Decided to check my credit, this is when I notice that I have been a victim of Identity Theft. 
I would like this Matter to be resolve, and have these items removed from my credit
Consumer complaint received 2021-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Hello I submitted multiple letters on some unauthorized inquiries on my report. I did my due diligence on everything and contacted the companies. Please find attached a FTC report I submitted for these unknown inquiries.
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (KS)

Multiple calls this week. When I called them back they stated they were XXXX XXXX XXXX XXXX. They stated the call would be recorded but never stated this was an attempt to collect a debt. When I refused to provide personal information I was told the information was already on their screen. I told them to tell me what they had and I would either confirm or deny. They did have my address. They then asked for my birth year, again I refused. 

I asked for information about why they were calling, who their client is and was told they could not provide that information. I asked for the information to be sent to me via email and unless they could do that I would not provide any information. The answer I got was they could not send any information on this through the mail. 

The person on the phone had a very thick accent from XXXX. 

The number appearing on the caller ID is XXXX.
Consumer complaint received 2023-01-30
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. (AZ)

Information that I own money to the dept of defense is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe XXXX this was an error on the finance ( unit ) And XXXX XXXXt which Im up to date on