davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
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. (TN)

I have been dealing with a company reporting on my equifax credit report which has already been deleted last XXXX for failure to validate however equifax has allowed them to continue to keep reporting even after deletion even doing so without proper notice per us code1681i I have asked on numerous occasions to mail me documents pertaining to this deletion for confirmation and for my records and I have not received such. And it has been over 60 days on when calling they force to sit on hold in hopes to get you to use the faulty online dispute system the company name in question is credit acceptance reporting Us code 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

My most recent Wells Fargo bank statement includes a generic statement : " We can close your account at any time... We may but are not required to allow you to leave on deposit sufficient funds to cover outstanding items to be paid from your account '' There are no reasons given as to why my account may be closed at any time. This statement probably appears on all Wells Fargo statements, but is not backed up by any documentation. The irony is that in a previous paragraph, it reads : " Thank you for being a loyal Wells Fargo customer We value your trust in our company... '' My question is : How can a federally regulated bank get away with making what to me is a harassing statement without backing it up by documentation?
Consumer complaint received 2015-05-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

I paid my XXXX bills always on time and closed the account in good standings and even verified that with a XXXX rep. I was sent to some collections agency and never told why. I have my last bill and even proved to them I do not owe this debt. They have been unresponsive to both myself and the lawyers I hired. They will not stop reporting this and it 's hurting me.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Association Financial Services, LLC (FL)

This the second complaint, after being threatened verbally, and via email, I was forced to sign a contract under duress. I sent it back to them after harassing me they will be taking my home. I will attach the appropriate documentation. In previous complaint not only have I been harassed they failed to continue with even sending correct proof of the debt, then they sent me another persons debt information then admitted to doing so then stated this happens, I have a copy of that email. I am concerned my information has been compromised. I have copies of emails stating " I do not pay my debts and stall tactics ''. " I blame others because I do not want to pay my debt ''. I spoke with this gentleman on XXXX XXXX XXXX, as her verbally harassed me, I kept repeating stop trying to intimidate me. He stated " I can do what ever I want you do not pay your bills ''. I have a witness to the phone call and can provide if needed.
Consumer complaint received 2015-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (LA)

This company keeps buying and selling this account. This account has been placed on my credit report by different creditors and is outdated and should be removed. I stated to representative that called that I would only discuss this account with the original owner. I also called the original account owner and was told that they have no records on file. If the original account owner has no records, then why should I be paying this company in which I did not open an account with. In conclusion, I do not owe this company ; therefore they should not be reporting anything on my credit report.
Consumer complaint received 2015-10-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Check Security Associates, LLC (TX)

The calls keep coming from a place called Warner Location Services, Warner Asset Services, Warner XXXX Services. They are from a XXXX XXXX. The number that he calls from is a XXXX, Tx number XXXX, but gives a call back number of XXXX. When I did a reverse number lookup for the XXXX number that number was registered to a female here in the city of XXXX, Tx. I never answer the calls after finding out the numbers were questionable. They say there has been a complaint filed in their office but never say what the complaint is. Oddly enough the only office listed for any of these companies is in XXXX XXXX XXXX. on XXXX within a span of 10-20 minutes there were a total of XXXX phone callsXXXX on the home phone and XXXX on the cell phone. XXXX XXXX has been told several times to quit calling and he continues to call. XXXX of the reports on this company says they just bought out XXXX XXXX which is a pay day loan place. I have never done business with this place.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

In XXXX of XXXX, I purchased four airline tickets to fly back east for a total of {$970.00} using the XXXX XXXX fly now pay later promo. In XXXX of XXXX, I noticed XXXX charges in the amount of {$73.00} on the credit card for a total of {$290.00}. The description for those charges said merchandise. I immediately called the credit card company to dispute those charges. It went to the fraud department so that can do their investigation. I was issued a new card. On XX/XX/XXXX I received an email from XXXX XXXX that my trip was canceled. I called to inquire why they canceled my flight. They informed me that because there was fraud on my card the credit card company canceled my reservation. They also informed me that I would be refunded the amount of {$970.00} to my XXXX XXXX card. Since I already had hotel reservations booked back east and airline tickets were increasing I had to purchase another set of four tickets for a total of {$1500.00}. After that, I started seeing multiple charges and credits in the amount of {$73.00}. As of today, I have made {$690.00} worth of payments. As of XX/XX/XXXX, my current balance is {$1700.00}. I have called numerous times to complain that my balance is incorrect. I was first credited {$970.00} to my account. I made a second purchase for {$1500.00} minus {$690.00} my balance should be {$890.00}. I have told them this numerous times and they keep telling me oh we see the problem we will fix it and wait 10 days to see the corrections. I check and nothing is being done to resolve this issue. I have talked to numerous supervisors and I am being cheated and overcharged.
Consumer complaint received 2023-03-28
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. (NY)

I, XXXX, XXXX XXXX, the consumer, did not provide these companies listed consent/written permission to report these accounts or Share my personal information with another entity, TransUnion, is a violation of 15 U.S. Code 1681s-2. 
see attached. 15 U.S. Code 1681b ( a ) ( 2 )
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (NY)

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Consumer complaint received 2022-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Consumer complaint received 2015-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMAB,LLC (NC)

I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Under 605B, the immediate removal of this account is necessary. I am deeply upset that it has found its way onto my credit history, and I sincerely implore you to eliminate this account, as it is not associated with me.
Consumer complaint received 2016-03-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

Call received from a collection agency as in represented as a lawyer claiming false statements to collect a wrong amount. 

Received letter from collection agency with incorrect amount. 

Copy of insurance included with the correct amount.
Consumer complaint received 2015-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Credit Services Inc. (AZ)

I cancelled membership with XXXX XXXX XXXX XXXX both in person and in writing, effective XXXX XXXX, 2010. The fitness center continued to charge my account.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I have repeatedly asked lexisnexis not only to verify the accuracy of the bankruptcy on my file but as is my right I requested the method of verification ie how the accuracy of this item was sourced ... To this they have not provided this information. 

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. 

Please provide the information we requested ...
Consumer complaint received 2015-11-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MT)

Applied for a loan for a morgatge, found a false credit card under husbands name inhibiting us from acquiring a morgatge loan. Turned the false account into XXXX and Wells Fargo to be resolved, XXXX removed the account right away, no problem. Wells Fargo has been giving us the run around, been very rude and un-helpful. Has been several weeks and still is not resolved or removed. Wells Fargo can not find the account under my husbands name or social, but are still reporting it to the credit bureau. This is not only false information, but Wells Fargo ca n't provide documents proving my husbands connection to this account and I feel are refusing to help sort this situation out.
Consumer complaint received 2015-09-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (FL)

The company/collection agency has placed a debt collection on my minor son 's credit report. I have contacted the Credit Bureau Experian and after conducting an investigation on my dispute, they continue to jeperdize my son 's credit history with an account not belonging to him that is been obtained by someone else while he was a minor. Under law, no underage is to open, sign for, or acquire any debts. The account DOES NOT BELONG TO HIM!
Consumer complaint received 2018-03-17
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: CITIBANK, N.A. (WA)

Citi Card is charging me {$670.00} for a charge that was fraud. They claim I received goods. I did not. 
XXXX tracking data shows the package was refused, and returned to sender. 
Citi security dept says they can do nothing. 

New card issued XX/XX/XXXX charge back on bill XX/XX/XXXX, now charging interest.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harpeth Financial Services, LLC (TX)

Received a letter in the mail dated XX/XX/2022. The letter is addressed to me and the address is correct. The letter is from a company I have never heard of and never dealt with stating that I owe a debt, that the debt is seriously past due, and unless I call the toll-free number, my credit report will be adversely effected. Again, I have no knowledge of this company and have NEVER dealt with them. Raising further suspicion, this letter does NOT contain any account number, does NOT contain an amount owed, does NOT contain anyone 's name, and does NOT contain a way to contact/pay online. Furthermore, performing a web-search of the toll-free number, nothing pulls up. I looked up the company online and called their number. It does appear to be a valid company. The company 's name is Advance Financial 24/7. The customer service representative with whom I spoke, XXXX, looked up my information in their database and informed me she could not find any loans/outstanding loans with my name. We suspect this to be a fraudulent attempt to get people to call the toll-free number to disclose personal information. I am not about to call the toll-free number and give them more information than they already have. The toll-free number on the letter ( the letter without an account number, without an amount owed, without a name or signature, and without a way to pay online ) is XXXX. Please catch these individuals and hang them by their balls from the tallest tree you can find. I did not fall for this scam but others, the elderly or cognitively impaired, might. A stop should be put to this practice.
Consumer complaint received 2019-02-25
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: EQUIFAX, INC. (OR)

Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX remove the account from XXXX XXXX XXXX.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (PA)

I was informed after my husband was XXXX that there was a credit card opened in my name as primary account holder through NFCU. I have Never applied, had access to or knowledge about this, nor permission. When I inquired about a contract or proof of identification, I was informed through NFCU & this XXXX XXXX that all they knew was that it had been opened Over the Phone from a Females Voice. I asked for this recording, they cant provide. I have filed with Identitytheft.gov, my XXXX XXXX account was also compromised and they were a fast responding company that figured out the fraud and refunded me promptly. Ive filed with the XXXX, and all three Credit reporting agencies. I have a vehicle loan through NFCU, informed me I had to open my own checking/savings account to transfer money into and make the monthly vehicle loan payment. I logged on to do the money transfer into vehicle loan and there were no funds in my account. Upon calling NFCU/XXXX XXXX I was informed this fraudulent card could withdrawal money from my personal checking if there was a payment due on this fraudulent card and that I should know this because it was in my contract. I informed them yet again I NEVER signed a contract, Ive never been provided one, because they dont have one. So now approximately XXXX was stolen from my personal account into this fraudulent/Identity theft credit card without my consent or knowledge.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

I have checking, saving and investment accounts with XXXX XXXX. I have submitted request to online fund transfer. Their system is keep rejecting my request. When I called them, their staff is not in a positing to find out reason behind that. 
They keep saying that their system is slow. Then they provided me excuse that you have submitted request to change my name. This is also not true. Their system picked up wrong initials of mine and I asked them to change it immediately after opening an account about 6 months back. 
While talking to Customer representative named XXXX, he refused to share any kind of Unique ID or ready to provide me Supervisors name. This was height of shamelessness. 
I feel being kept as hostage as I have to be on the phone with them for prolonged duration and do not get resolution of the same. DOES CFPB restricting banks to share information of representatives so consumers can have traceability? 
This is a classic example of uncontrollable Financial Giants. 
Appreciate your help and quick actions are requested to be taken against bank and their system.