davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Cap One appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an Capitol One card. I been an authorized user on my mother card the last past 3 years. 
XXXX XXXX appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone. 
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XXXX XXXX. 
XXXX appeared on my credit as an inquiry on XX/XX/XXXX. I never had an account with this company. 
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry. 
XXXX appeared on my credit reportXX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter. 

If you need any documentation you can email me at XXXXXXXXXXXX. 
Thanks
Consumer complaint received 2017-09-08
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. (UT)

The recent Equifax hack exposed my personal information to hackers for over 2 months. My wife and I are in the underwriting process for our first home RIGHT NOW. This is absolutely unacceptable. I 'm a XXXX XXXX and work on web-facing applications by trade, this sort of security breach is beyond the pale and wholly avoidable.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center (NY)

received a letter dates XXXX/XXXX/XXXX an attempted to collect a debt send a request for validation of debt XXXX/XXXX/XXXX request ignored and received a second threatening letter for the same debt XXXX/XXXX/XXXX
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX GOLD KEY CREDIT, INC. {$1300.00} GOLD KEY CREDIT, INC. {$250.00} GOLD KEY CREDIT, INC. {$66.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLD KEY CREDIT, INC. {$1300.00} GOLD KEY CREDIT, INC. {$250.00} GOLD KEY CREDIT, INC. {$66.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the XXXX District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (OR)

Company has let my credit information to be accessed by unknown entities and now has placed my private information in potetial hazard. Company also sold stocks to protect value of company which is a insider traiding scheme.
Consumer complaint received 2022-04-25
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: Bread Financial Holdings, Inc. (CA)

Victoria 's Secret has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Victoria 's Secret before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Victoria 's Secret to furnish any late payments to my consumer report. It is my belief that due to Victoria 's Seceret business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2021-02-02
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. (FL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is very alarming and needs to be resolved!
Consumer complaint received 2017-10-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (CA)

On or about XX/XX/XXXX, XXXX XXXX ( daugter of my associate ) asked if I would co-sign a student loan so she could continue with her education. I told her I would but I wanted to see the loan terms before agreeing. I gave her my personal info. so that she could fill out an application. I never saw the loan application nor the loan terms. I never signed any documents relating to the loan. I never heard anything about the loan again until XX/XX/XXXX. XXXX indicated my credit may be impacted because she was unable to make the loan payment. I never received anything from XXXX XXXX regarding this loan. I asked XXXX to give me the information regarding this loan, the account number, ect. She never provided me the information. I did my own research, and, sure enough, I was listed as the cosigner ons this loan I made the payment as did not want my credit impacted. I asked Sallie Mae to immediately send me the loan doc. They faxed them to me. I had never seen these documents before. I did not place my signature on the loan application nor did I sign these documents. I went to the police, filed a report and then filed a complaint for fraud with Sallie Mae. I requested Sallie Mae to run the IP address as they would find that my computer nor my location where any computer I owned would not be associated with the signing of the loan application or loan. They have refused to take me off as the cosigner. I have made numerous attempts to contact XXXX XXXX. She has blocked my number as well as blocked me from XXXX The amount originally on this loan was {$28000.00}. This loan was done by electronic signature. Interestingly, both signatures ( hers and allegedly mine ) occurred on the same day, same script. The loan was signed on a Sunday. The only computer I have today as well as at the time was a computer located at my office in XXXX XXXX. I have a law firm and do not work on Sundays. The signature on the loan was never placed by me or with my authority. This case is easily resolved by running an IP address, which, it is my belief, Sallie Mae never even bothered to do.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of identity theft of which I sent a Identity Theft Affidavit to all three Credit Bureaus. 

A Bankruptcy, and other Accounts that did not belong to me appeared on my Credit Report. 

XXXX and XXXX removed all of the Accounts and the Bankruptcy that did not belong to me. 

Transunion refuses to remove the Bankruptcy that does not belong to me. I have sent numerous disputes to Transunion. I 've also called Transunion numerous times. 

I called the Court House and they said they do not report information to the Credit Bureaus. 

WHY HAS XXXX AND XXXX REMOVED THE BANKRUPTCY AND NOT TRANSUION.
Consumer complaint received 2021-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

On XX/XX/2021 I received a notification from XXXX of a collection for {$1000.00} for an XXXX XXXX XXXX bill in the state of Michigan. I live in the state of California. I have never been to Michigan. This is the third time in a couple of years that this incident has happened with the same exact debt amount - I believe once the debt was in Michigan and the other time the debt was in Florida. I had to file complaints with the FTC, the collection companies and with XXXX XXXX XXXX both other times. THIS IS NOT MY DEBT. I live in California and this is the 3rd time that this has happened. PLEASE HELP XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA XXXX
Consumer complaint received 2017-06-27
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. (OH)

XXXX XXXX is reporting an acct on my Experian that I never owned. They site XXXX XXXX as the original creditor, but XXXX XXXX has verified that thy have no record of any accounts for me. I have never had an account with XXXX XXXX. I filed a police report for fraud and provided it to XXXX XXXX, but they still refuse to remove the account from my credit file. The date of the XXXX XXXX account is XXXX 2016, {$3200.00}.
Consumer complaint received 2017-12-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (IA)

X/XX/17 met with XXXX XXXX of wells Fargo, XXXX XXXX XXXX in XXXX XXXX, IA about overdraft protection I was told I had by their employees when I opened my accounts but had been charged overdrafts and not taken the available money I had in savings to pay for the items instead. he informed me that would n't credit anything to me even when someone else had changed these accounts a year ago and then proceeded to change my accounts again. so every year these wells Fargo employee continue cycling my accounts to make them new accounts that they get credit or money from only to XXXX me in the end but changing things slightly or not giving me everything I had previously. since he did this there has been nothing but problems including well over {$600.00} in overdraft fees, returned check fees, and continues to be insane issues like they tell me my bills are paid and then go back in manually and decline paying my people in turn charging me and getting charged also by my providers on the other side. I got emails from wells Fargo saying they were shutting off my accesses to cards, accounts, access to money by XXXX pay, XXXX pay etc. I called wells Fargo fraud as it says to do since I did n't make these changes and they refused to shut my account down apprx XX/XX/17 and I stopped using the account since then. closed the card associated with that account deposited enough to cover the negative only for them to continue keeping the account open and keep charging me fees and overdrafts of this endless spiral of nothing will stay positive because they keep slamming me with fees. XXXX is now gone like they all do after they make a bunch of money on their customers and his boss lady covered his ads and told me she would n't help me either because they credited 2 overdraft fees from a year ago that were also an issue caused from their end. I ca n't leave them yet cause I need to keep an operating business account but ca n't keep losing all this money to them for nothing. stop the insanity.
Consumer complaint received 2023-01-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (OH)

Ive Done just about everything to remove this Fraudulent collection and its still showing up! Ive contacted the Original Creditor, Filed FTC & Also 2 CFPB reports/ Upload copys of Reports to XXXX  and it continues to update every month its been 2+ years since Ive been trying to get this resolved WITH XXXX Credit Collections and using further measures moving forward. This collection has been hindering my Credit building and is frustrating because nothing seems to get done after Im told to follow certain steps to get 0 results!!!
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (FL)

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX {$3300.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS, INC. {$3300.00} I have report your company to  consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo put me into a loan forbearance program in XXXX. With the promise that no negative or derogatory information would be reported during this period. They have continued to report negative late payments against my mortgage creating great financial harm to my efforts to recover financially during the Pandemic
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC (PA)

Quality Asset Recovery ( QAR ) repeatedly calls my house but ask for a different person ( same last name incorrect first name ). Then QAR reports to XXXX that I have a {$1500.00} Installment loan which they claim originated in XX/XX/2015. I have never taken out any installment debt of any kind. This debt is someone else 's, yet they claim the debt is mine and now my credit is ruined.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I noticed that my Account on my Direct Deposit and Cash Advance have a balance of {$4300.00}, which is not correct. I call customer service I spoke with XXXX, I wanted to know when was my last Cash Advance,  she claimed she could see it, it. I told her that it been about six or seven years ago, that I used that service and my account still high. So I call the Dispute Department to get another Dispute started, because I had one in XXXX that was never resolved for the same thing because I have n't seen in decrease in my Cash Advance Balance. I spoke with XXXX, about the issue a hand he tried to brush me off, sending my call to XXXX in collection, than she transferred to XXXX, she looked at my account and told me that I had {$1000.00} worth of interest each year. I said what? Who in their right mind have interest that high, she asked to put me on hold while she talk with her supervisor, she never came back to the phone. Then XXXX, in Customer Service picked up, I explained to her what was on and the statement that was made to me about the interest. she was wondering herself why was n't that issue resolved on there end two years ago. I told her I guest because I just kept paying my bill and they kept sticking me. She claim that she 's going to escalate this dispute. I ca n't trust that, I tried that before and I 'm deeper in debt
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

Experian lost millions of identities due to their negligence. It is suggested to have Experian check the so called XXXX XXXX to see is your information was lost. 
Do it! 
You will see that the whole thing is fraud on the part of Experian. 
They find your email in a few places over the past many years and now to fix a problem We can have a free month. 
We must give a credit card number. 
A month later Experian will automatically rip everyone off for the next month and all months till the end of time. 

I have seen this profile on other rip-offs before.
Consumer complaint received 2022-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NV)

On Wednesday, XX/XX/XXXX, I contacted Edfinancial and requested a refund on my XXXX dollar lump sum payment I made on XX/XX/XXXX that I am entitled to through the CARES Act. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. On top of this, the phone representative stated that it will take another 150 days after the refund is processed for the balance to be reflected in my bank account, so I am looking at potentially a full year until I receive my money I am legally entitled to. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. This disparity shows a clear lack of respect from edfinancial and perhaps even malintent to try to push refunds until after the payment freeze. 

Not only is edfinancial taking significantly longer to process refunds than other servicers, but they also refuse to send any verification that the refund is being processed and I have no emails or anything to know if they even filed it.
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (MI)

Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report. No Midwest Recovery located XXXX XXXX XXXX, MO can collect debt in Michigan.