davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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. (TX)

I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MA)

Hi my name is XXXX XXXX and Im a federally protected consumer, and I am making this complaint against NCB Management Services , Inc for committing identity theft. I have never give NCB Management Service Inc any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NCB Management Services Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NCB Management Services Inc continues its collection efforts I will file for litigation for actual damages caused and NCB Management Services Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice you are hereby notified Pursuant UCC 1-202. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

My Checking Account had a withdraw of {$8500.00} from Chase Bank Employees claim to have closed the account without notice, letter, text, call, etc. 

Internal Theft Chase claim someone took the money from a local bank and closed the account. Internal Theft Chase claim someone used a debit card in XXXX XXXX. Internal theft of Chase claim a check was mailed to me? NONE OF THIS HAPPEN. 

Chase left me without medical care, medication, food without resolution for over a week and threaten to reverse other chages from another account.
Consumer complaint received 2022-03-03
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 (PA)

I have received letters that TD Bank has now 3 open checking accounts in my name, using my home address The account numbers are : XXXX first letter that my account was overdrawn received with a date of XX/XX/22 XXXX also overdrawn first letter dated XX/XX/22 XXXX also overdrawn dated XX/XX/22 acct ending XXXX has sent payments to XXXX XXXX via XXXX acct ending XXXX has sent payment to XXXX XXXX via XXXX acct ending XXXX has sent money to both XXXX XXXX XXXX XXXX and XXXX XXXX via XXXX bank transfer It appears that they are feeding one bank account into the others to keep sending money through XXXX and XXXX Bank maybe As a side note. I belong to a local XXXX XXXX called XXXX XXXX  XXXX XXXX and several members were discussing having the exact same thing happen with the same bank at the same time as me. The members name is XXXX XXXX XXXX XX/XX/22 and I'm going to try to attach the page here : https : XXXX
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (GA)

Experian This is my XXXX  time contacting you about these fraudulent inquiries showing up on my credit report. I previously sent you a request to investigate these inquiries and to remove them from the credit report. 

I have already contacted every creditor directly and they have no proof of the permissible purpose of the inquiries. 

Once again, let me be clear that I have already contacted every company listed and most do even not have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-01
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 (OH)

I had two accounts one a secured card with a {$250.00} credit limit this card had three returns from my bank, and two payments that was 30 days late. The rest of my payments on this account was paid on the due date or before and I always pay extra. My second card was a Quicksilver card with a {$500.00} credit limit. This account has only had one payment that was 2 days past my due date. Before I received my first statement for my Quicksilver card I was turned into the fraud department. I was told that due to my missed payments I needed to show proof from the bank that this was not my fault. My bank faxed in the documentation showing that it was the banks fault and the bank corrected those payments within days of being rejected. I then received a phone call from the executive office stating thank you for sending in the documentation that we have asked for after review of your account it has been determined that your account will be reactivated this was 7 months ago. Every time I call I have been told that I have to have the bank re fax the documentation and that my account has been closed. Also every time I have called to discuss the situation with Capital One I am advised to apply for a credit card because my payment history shows that I pay on time and more than what is due. I have reapplied as they stated 5 times and every time I get denied. On my credit report it shows both accounts closed by creditor but just this month my Quicksilver credit limit has been raised from {$500.00} to {$750.00}. I have all of my statements showing my payments that was made with the amounts and the dates that I paid my bill. I no longer Bank with XXXX XXXX who is at fault for the three rejected but corrected transactions. I have asked several times to have them look into this situation. I do n't understand why Capital One would take the time to call me and leave me a message stating that my account would be reactivated if they never intended to unrestrict my account. As well as trying to understand what it is that I did wrong, not only does this look bad on my credit showing closed by creditor but it also makes me look bad in the eyes of the company. When it was already proven that I was not at fault for the banks rejection for possible duplicates.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Of the three credit bureaus, Equifax is the ONLY one that won't send me credit report online but has no explanation on why. I am not going to mail NPI data to them to get it by mail. I suspect the questions they ask don't have the right answers because I know my situation -- my mortgage was paid off in XXXX, I have no car loans, and only one credit card that I use on a regular basis ( a couple more that are less frequently used ). I've lived in the same house since XXXX, and only one other place from XXXX. So most of the answers to their questions they included are 'not applicable. ' I thought about trying to call the number on their website, but a reverse phone lookup did not indicate that it was really for Equifax ( one told me it was for a jail in Geogia, another to an individual there, and same phone number can not be for multiple places. ) I was unable to find a way to contact them online. 

Here is the response I got today when trying to get updated credit report, and something similar happened the last time I tried. 
Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

I know at least one reporting service has me linked to an XXXX XXXX, KS, address where I never lived ( my ex-husband moved there with his girlfriend back in the XXXX though ). I have at least learned enough to be able to answer that question 'correctly ' according to what they apparently have for me in XXXX XXXX , even though it is WRONG! And annoying to have it show up for verification every so often.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Amsher Collection Services, Inc. (IN)

I went to XXXX XXXX store close to my house to inquire about XXXX XXXX pro and I was given the information then I went home so when I went back to actually see if I could switch my phone to the new one I was told I already have a line open and was not qualified for the promotion they had. This was a month after so they said I owed {$270.00} at the time of which they look in their system and found out that for that month the number they assigned me was never used they didnt have any paperwork that assigned in agreement with this service so the manager at the time said he was going to call his boss and see if that can be fixed. I called him 3 days later and he said he havent had anything yet from his boss. After that I continued to call him and would be told he was not their. I called customer service and they said they would take care of the account and they never did. Before I know it this account showed up on my credit. I called the collection company and they said I have to talk to XXXX fraud company so I called and was told it will be taken care of within 7 days. That didnt happen I disputed it tie time with XXXX  XXXX and the said the collection company said the account was valid. So I dont know how this can be solved I have tried everything I know and that I was told but no one is there to help. Please help me resolve this issue because I dont owe this company like they are saying. They need to show paperwork of the agreement and my signature. Thank you very much for your help.
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mitchell Rubenstein & Associates, P.C. (VA)

Since XXXX XXXX XXXX XXXX partner with Mitchell Rubenstein & Associates P. C. have been summonsing me to court for the same debt. I acknowledge the debt was owe to XXXX XXXX but after financial hardship, I could no longer make payments and after going for months without paying the debt I found out it was sold and bought by both parties listed above. I do not owe a debt to either parties listed above and If I did, they never listed the actual amount for which the debt was purchased ( the price less paid ) .I recently filed a complaint against XXXX XXXX but I feel as though XXXX XXXX XXXX XXXX continues to harass and embezzled money from me by claiming I owe the same amount every few months and charging interest and late fee every time I am summons to court. I have been to court a couple of time for the same case which has approximately 6 case number ( but it is the same debt ). My income is being garnished and so far {$800.00} plus has been paid toward a debt I allegedly owe to the party listed. The first time I went to court my bank account was frozen and my only income was child support. The judge order a release or the freeze of the account. I was also led to believe that the debt would have been paid in full by the end of XX/XX/XXXX. The second time I appeared in court, no one from the parties listed appeared, but yet I am charge court fees and interest. My debt ratio is approximately 6 times my income. I should not be financial bullied to pay an amount that double in interest and fees resulting in the parties listed collecting double the amount allegedly owed. My pay is being garnished, but I am being summons to court approximately every 7 to 8 months for the exact same debt.
Consumer complaint received 2021-09-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

Well the interest is ridiculous my loan amount jump to an extremely high amount not sure how. Tried to talk to someone they were rude and not helpful. I have over XXXX in loans and no degree because school says I ran out of money how is this even possible with no degree at the end and can't afford to take anymore classes. I'm a XXXX and there are no forms of forgiveness for me.
Consumer complaint received 2019-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (AL)

Merchant Adjustment Services sent a letter XX/XX/2018 for validation of alleged debt but the company did not send requested items instead sent a bill with documentation of XXXX being perform and XXXX XXXX  of the XXXX. I sent multiple letters thereafter requesting for validation of debt to no response. On XX/XX/2018 was my last letter requesting validation but as usual no response or reply.
Consumer complaint received 2021-09-03
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. (NY)

I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

Despite closing my checking and savings account at Wells Fargo over a year ago, they continue to send me letters and updated about my " account '' with them. I have gone twice in person after initially closing my account because they claimed I had a balance of XXXX penny. It took me three months and XXXX visits to stop receiving that type of letter. Just now I received a letter about my wells fargo online services being updated. Since I am no longer their costumer I would like them to stop storing my contact information and stop contacting me. I found my experience to be caused by repeated incompetencies and inconsistencies by Wells Fargo employees and do not feel that this matter can be resolved through their support department.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc. (TX)

I revived a call from Diversified Adjustemnt services on XX/XX/2017 @ XXXX XXXX MSt, she stated it was an attempt to collect a debt for XXXX for XXXX the debt was n't validated so they where forced to remove from my credit. After I stated that the debt was n't validated, and I would summit a complaint with FTC and CFPB she stated do whatever you what.
Consumer complaint received 2022-09-07
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. (NY)

XXXX is reporting on my credit that I have an account with XXXX XXXX I have no knowledge of that account at all. I contacted both XXXX and XXXXXXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
XXXX also reports that I have an account with XXXX XXXX XXXX I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why XXXX would say I do. 
Also XXXX is reporting a fraud report and so is Experian XXXX and Experian have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I have noticed that Experian is now days plagued with incorrect or missing information. The company not only is Inaccurate they also shields behind " heavy calls volumes '' and do not return phone calls asking for answers. The company is acting childishly and shady. I have noticed it few years ago, however, the practice is becoming " as usual '' in the recent times. Since they hold important information a disruption of the individuals financial life is predictable. I believe that Experian act on a conspiracy theory where the company VOLUNTARILY omits information or hire individuals not so able to work on its contest. 
I urge the federals to launch a full scale investigation amid possibly voluntary misleading financial information. 
Respectfully XXXX XXXX
Consumer complaint received 2022-09-07
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. (NY)

TransUnion is reporting on my credit that I have an account with XXXX XXXX  I have no knowledge of that account at all. I contacted both TransUnion and XXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
TransUnion also reports that I have an account with security credit services, I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why TransUnion would say I do. 
Also XXXX is reporting a fraud report and so is XXXX XXXX and XXXX have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due    XXXX  /2016  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$94.00} XX/XX/2022 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX, XXXX XXXX XXXX 15 U.S.C , 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.