davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX, XXXX, and XXXX was notified and a police report was submitted stating I was a victim of identity theft, XXXX XXXX XXXX {$47000.00} for a vehicle, XXXX, {$300.00} Capital one in the amount t of {$740.00} was also notified. these items are still on my credit report.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Fraudulent Bank of America charges requested removal as authorized user Unaware of card in my name XXXX Alert : Personal Information distributed dark web Communication with Impersonating representative, stated I would be removed Unable to contact Bank of America No access to account or card Removal, please Possible mail theft of Identity Theft report/attached
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (GA)

To whom it may concern, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaddeus Bechtle Attorney at Law, LPC (VA)

Received summons in mail for judgement XXXX XX/XX/XXXX from Thaddeus Bechtle in regard to file number XXXX. 
Called collecting company on as I had NOT received a notification, Spoke with XXXX and she stated that one notification was sent in XX/XX/XXXX via mail and this was the only communication sent. 
The documents included in the summons, state that the company went to court in XX/XX/XXXX. I was never notified, XXXX confirmed again, I was only notified from Thaddeus Bechtle law agency once. 
I asked if this was policy and XXXX refused to answer. 
I asked if I could set up a payment plan, XXXX answered yes- but agency would still proceed with upcoming court date of XX/XX/XXXX. 
I asked if I could set just pay the full amount of {$800.00}, the amount that is due. XXXX said yes, but that still would leave a balance of XXXX XXXX stated I must pay the fees to avoid court, making me pay a total of {$1100.00}. 


XXXX refused to allow me to speak with management to satisfy the account that she would only transfer me to the office manager, XXXX, no phone call returned.
Consumer complaint received 2020-08-12
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: MAJR Financial Corp (FL)

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point, I am being denied on my acquisition of credit due to the fraud.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AZ)

Dear CFPB Complaints, I am greatly disappointed with the " XXXX XXXX XXXX XXXX   '' and Experian/XXXX  for failing to provide me with my free annual credit reports and their unhelpful service. 

I first requested my free annual credit report electronically on XX/XX/2020. But I was only able to obtain the XXXX  report. XXXX  and Experian failed to provide my report even though I answered their questions correctly. 

I requested my credit reports for XXXX  and Experian by mail on XX/XX/2020 though the Annual Credit Report service and supplied all the supporting documentation. They sent back unhelpful responses stating the criteria for obtaining the credit reports but without mentioning anything specific that was wrong in my application. 

I sent a new request by mail on XX/XX/2020. This time I included even more information than necessary and even went so far as to take a photo of myself holding my driver 's license, but they sent back the same unhelpful response. Frankly, I feel this response was both unhelpful and unprofessional. I feel this way because I spent a couple of hours to write out a thoughtful detailed cover letter addressing all their possible concerns, but they dismissed my efforts completely by sending the same generic and unhelpful response! 

My questions for Annual Credit Report/Experian/XXXX  : 1. Did you receive the copy of the front of my driver 's license ( Yes/No )? 
2. Did you receive the copy of the back of my driver 's license ( Yes/No )?

3. Did you receive the copy of the photo of me holding my driver 's license ( Yes/No )? 
4. Did you receive the copy of my social security card ( Yes/No )?

5. Did you receive the gas bill with my name on it indicating my new registered address in XXXX, Arizona ( Yes/No )? 

Lastly, my purpose for seeking this report is to confirm that no one is using my identity. I have indicated to both Experian and XXXX  that my credit should be dormant. The report should be showing no loans or credit of any kind. No balances at all. 

If there are any issues, I feel that we need to work together to resolve them, but frustrating this process with unhelpful responses is helping no one.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Wilber and Associates, P.C. (ID)

Wilber and Associates continues to contact me regarding a debt I do not owe. They are calling me in the middle of the night around XXXX. I have tried calling them back regarding these issues and was never able to speak to an actual HUMAN representative
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (CA)

XXXX transferred a student loan ( for one of my children ) to Great Lakes. I was notified by mail continuing through XX/XX/XXXX that this would occur. I have paid all the bills as presented up to now, but I received an email from Great Lakes in XX/XX/XXXX saying that I, "... appeared to be behind in my XX/XX/XXXX payment ''. I never received any communication from Great Lakes about paying a bill, and I always tell lenders that they need to mail me a printed statement, and I will not pay electronically, I made it clear to Great Lakes that I am not going to pay a {$17.00} late fee on a payment I never got. Obviously, money is not the issue. I demanded through three ( 3 ) representatives on the phone that they would be paid as soon as they sent me a XX/XX/XXXX bill, and one for XX/XX/XXXX, too. They sent me a " Student Loan Obligation Statement '', stating that I, "... had requested it. '' I did not request it, I demanded a bill. There is no return mailing address on the aforementioned document. I am mailing copies of all relevant documents to you, XXXX XXXX, Great Lakes and XXXX, so that they may decide among themselves who has to pay the late fee to XXXX XXXX, the owner of the loan. I have suggested to Great Lakes that they should pay it, since it was their error that generated the late fee to begin with. They said I would have to take that up with XXXX XXXX. which I have done, but you are being cc 'd on all of this, and that fact is noted on the other letters to the other parties. I fully expect Great Lakes to resolve this issue, including mailed billing statements, to my favor with no negative reporting, whether they come to the conclusion on their own or are compelled to comply. Thank You.
Consumer complaint received 2020-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC (TX)

On Friday XX/XX/XXXX at XXXX, I received an unsolicited text message from Skopos Financial who is my auto lender regarding make a payment today and we will waive up to XXXX in fee 's. Currently my account has approximately XXXX in fees that would qualify for this program. I called the company to advise them about the text message and they said yes it is a valid promotion if you make a payment today with us we will waive up to XXXX in fee 's. 

This was outstanding news because they will be receiving my payment today in the mail that my bank 's bill pay service sent them. 

After two phone calls, with two different representatives, ( XXXX and XXXX ), I advised them about my payment, gave them the check number, even validated that the check was withdrawn from my account on Friday XX/XX/XXXX. They would not honor their promotion. Every time it was something different. 

The total amount I would have benefited from the promotion would be {$310.00} which is broken down below. 

Late Charges XXXX Other Charges XXXX
Consumer complaint received 2023-02-08
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: OneMain Finance Corporation (IL)

I received multiple hard inquires from XXXX XXXX XXXXXX/XX/XXXX and XXXX of XXXX, XXXX, ONEMAIN FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXXXXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Results Unlimited, Inc. (VA)

I received a letter from RESULTS UNLIMITED, INC on Friday XX/XX/XXXX claiming that I owed XXXX XXXX ( my old apartment complex ) {$130.00} I called the company ( ( XXXX ) XXXX ) TuesdayXX/XX/XXXX at XXXX. Gave the young lady my name and she wanted my address I told her they sent me a letter so it 's the same address. At that point she proceeded to tell me if I did not update and give her my address she could not send me to whomever I was to speak to regarding a debt that I supposedly owed. She told me when I called back with my address then I could speak to someone. I hung up, waited a couple of minutes and called back. Same lady answered the phone, I gave her a bogus P.O. Box Just to talk to someone. I was on hold for approximately 3 minutes. Once XXXX came on the phone I gave her my name and asked her what this DEBT COLLECTION letter about. XXXX then proceeded to ask me was I working and answered YES. Then she wanted to know where I worked. I told her I was not giving her that information. I do not know who she was or who the company she represents was. XXXX then told me then, that she could not help me. I told her that what ever this is about I am disputing the claim, and that I was not giving her my employment information. She then tells me that they will then just see me in court. I did not argue and simply said ok and then turned around and called the CFPB where I spoke with XXXX and here I am now.
Consumer complaint received 2020-11-20
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. (MO)

I have a XXXX  XXXX Credit Card showing up on my credit report that is delinquent, this used to be a ( XXXX XXXX card ) is what they told me when I contacted XXXX XXXX about this account showing up on my credit report and I never had a XXXX XXXX credit or credit card. I want someone to prove or show proof of this account agreement that ties me to this account that is on my credit report? 
I do have two XXXX XXXX credit cards that I have had for several years now, I have had no issues at all with either one. 
Here is the two cards that belong to me only XXXX XXXX ... ... ... # XXXX and a Platinum Card ... .... # XXXX I have disputed this twice now with TransUnion, they said that it belongs to me, I don't know why or how? but they have not showed how this belongs to me. 

Please let me know what I can do to get this matter resolved and also getting what ever else is tied to this account that is showing delinquent.
Consumer complaint received 2020-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have had a Fraud alert placed on my credit profile, for unauthorized hard inquires. During that another attempt was made on my credit. I have since reached out to the furnisher 's of the hard inquiries and have included the documents.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MD)

Fraudulent XXXX transactions in my name Do not have card or access to account XXXX alert : Information distributed on dark web Unable to contact XXXX Contact made was with impersonating representative Attached documentation for removal
Consumer complaint received 2020-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Filed bankruptcy XX/XX/XXXX attempted to reach a reaffirmation agreement with NMAC, which company presented to me with addition of late fees for the time period following my bankruptcy petition and had me set to default upon reaffirmation. I was advised against signing due to NMAC 's unfair and deceptive terms. 
In XX/XX/XXXX, while my bankruptcy was still pending I was sent a Notice of Default which included a notice of attempt to collect a debt, demands of payment in full including interest, late fees and other charges ( excess amounts are not allowed without a reaffirmation agreement ) The letter further stated that payment must be received within 10 days of receipt of notice or company would repossess the vehicle. obtain a deficiency for any remaining balance upon sale and be subject to negative credit reporting. 
The following month NMAC removed this account from my credit report with all credit beurues, instead of listing account as closed and included in bankruptcy petition. Account removed completely as if it never existed. 
My bankruptcy was ordered discharged and closed on XX/XX/XXXX and NMAC was one of the creditors listed on the notice of discharge to receive automated notice as a discharged debt. About a week later I received another notice of default letter from them with the same statements as the one received in XXXX. 
Account is still missing completly from all 3 credit bearues reports.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00}
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B- XX/XX/1982 SSN : XXXX I was denied a Checking account today at XXXX XXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a CHEX SYSTEM REPORT ASASP!
Consumer complaint received 2020-05-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (TX)

These collections just started showing up on my credit reports a couple months ago. I have never heard of them before. All medical bills have been paid in full primarily with insurance, but also with payments at time of service. I have never been on any sort of payment plan. All paid I full at time of service. The provider they are listing was seen over 10 years ago. I have received no past due collections notices ever from these providers listed, or any others. There are approximately a dozen different account numbers and amounts. I think I would have gotten at least one bill. Also, when the items first appeared on XXXX  and I disputed them, these were removed. I then received one envelope of notices that contained just a balance due notice for each account with zero explanation of what it was for or when or anything. I won the dispute and the items were removed. Rash & Curtis then put them back on a couple months later. I had them removed again. This time, they also appeared on XXXX. XXXX  removed the items immediately. Now they are showing up on XXXX. I have disputed them here as well. As I win the disputes, they turn around and refile the collection on my reports. It is happening almost immediately after I win the dispute. 
This is a bogus company. I do not know how they can continue to put over a dozen items with different account numbers and amounts and expect me not to notice. These are not owed. These are really fraudulent at this point. 

Is there any way I can keep them from being able to repost? I am tired of disputing a dozen items across 3 credit bureaus every couple of months.