davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

We terminated our Rental agreement with XXXX since the Apartment complex did not providet us with safety and security. We have complained several times that the Gates could entered by any car even without barcode sticker, only by folowing the front car, since it took a long time to close after a automobile entered, some times the gate was defect and did not closed at all. After we were robbed our Sportbikes, chained on iron bars inside the hallway and strange people they did not live in the apartments, we took action and cancelled our Rental contract. The charged us with a penalty of two month Rent for early termination. 
Our complaint and witness from a Police Report XXXX, was totaly ignored by the Management from XXXX. 
A involvement from our Lawyer was never answered. 
To have our peace we paid one month aditional rent and afterwards received notice from a collection company to pay {$1900.00}. 
After we moved out in XX/XX/2013 I hat to pick up some stuff left on the patio we noticed that the Apartment was already rented to an client. Also we found out that the gate system was not changed and many car drove to the gate without barcode sticker. 
From other government offices we were informed that it was correct to terminate the Rental agreement. 
The Police Report is still available.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Sent letters out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX no response after more than 60 days. please delete and remove the following accounts from my credit report in accordance with the 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 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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 XXXX XXXX XXXX. 

Account name : XXXX  XXXX # XXXX Account name : Department of Education/XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX # XXXX Employer ( XXXX ) : XXXX Name ( XXXX ) other than XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX Phone number ( s ) : XXXX XXXX XXXX, XXXX has/have violated my rights. 

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 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Dept of ED/XXXX is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the Department of Education dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''
Consumer complaint received 2016-10-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

On XXXX my bank called me to report suspicious charges on my debit card. I verified the charges were fraudulent and my bank suggested I go to a local branch right away for a temporary replacement debit card. The bank in the meantime cancelled my debit card. At the branch, the banker told me both my checking and savings accounts were compromised and that I needed to close them and transfer the funds into new accounts. The banker transferred the funds into new checking and savings accounts, but left the original accounts open with zero balance for the sole purpose of charging me unnecessary maintenance fees. I was led to believe those accounts were closed. The bank then charged me maintenance fees on XXXX of those accounts. Additionally, sometime between XXXX and XXXX, the banker or someone at the branch opened up a new unauthorized savings account without my knowledge and left the balance zero. This new account was opened fraudulently and criminally for the sole purpose of charging me maintenance fees.
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Account Control Technology, Inc. (KY)

Repeated calls from men with heavy hard to understand accents ( communication tactic ) saying " we are from ACT calling for ( ) '' When asked who they are 'ACT about the school '' leading XXXX to believe it is ACT collegiate testing calling. 
No disclosure of debt collection, just asks for a payment.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (MO)

I was making an online purchase with paypay. I am an experienced online shopper and proficient in computer systems and the internet. I did n't think I could be so easily fooled. I was trying to pay with the credit card I have on file and use for online purchases. Before I knew it I was being given paypal credit. I did not want paypal credit! I do not want any more credit! I do not want anything to affect my credit rating and do not want any searches of my credit history that could affect my rating. I have been diligent in my credit and do not appreciate the deceptive practices from a company that I have trusted before. Please advise how to correct this with paypal credit and my credit rating. I am not sure of exact date. It was last week sometime. I have been trying to figure out what to do and finally came upon this website. Thank you!
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

XXXX has not legally validated a debt to Experian or me, however after I sent a certified letter to Experian disputing the misinformation, Experian continues to keep XXXX XXXX  as a negative reporting on my credit report and Experian placed further negative reporting on my report dated XX/XX/XXXX when the account closed in XX/XX/XXXX. I have provided copies to Experian such as : 1. Master Promissory note that was not signed by me 2. A letter from the loan servicer stating that the date they began servicing the loan does not coincide with the date on the Master Promissory 3. A student aid ward letter that states the loan that XXXX is reporting was not granted to me
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Farrell Holdings, LLC (AZ)

Company was requested to inform balance to fully pay off the loan. Not responded properly the last complaint. 

Company did not present terms related to insurance additional charges. 

Company refuses to stop charging insurance : proof of insurance already sent. Because the balance is close to full payoff, company came up with insurance charges.
Consumer complaint received 2016-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

First merit only allows method of payment limited to those that do not have a checking account with them. In the beginning of the loan i opened a checking account which was closed due to i did not always use the account. I opened just so i had a way to make payments online. They offered a {$25.00} bonus check for opening a new account which i was not allowed to receive seeing that my account closed. Now i have to submit my payment by cash only i went in on XXXX to make a payment with {$440.00} for my payment of {$430.00}. The clerk misplaced or took {$200.00} of my payment making me late for the month payment. Advising the bank of the issue they proceeded to tell me that because of the way i look i am not trustworthy. To me this is not the proper way you treat customers and i have advised everyone to stay away from this bank. I feel like i was discriminated against due to the fact that i was a single girl that wears hoodies and jeans and not because i did not go into the bank with a suit on or dress.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (PA)

I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but XXXX told us we lost the dispute. XXXX sent my business 's debt to collection and both the debt collector and XXXX informed me that the debt was to me personally, not my business. Both told me that although I have a business XXXX account, somehow XXXX circumvents this. Neither were able to tell me legally how this is possible or where in the XXXX user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

i filed a claim for fraud activity on bank account, my claim has gone unresolved ... .even though YOUR rep told me this is an error on your end. He gave me a " Memo Credit '' but it doesnt mean anything. its just a pending transaction ... ..we have been ongoing for more than a week now, and everytime someone says they will call me back.. none of that has happened, i will be going on vaction this friday and i am out {$870.00} that was fradulantly stole from my bank acct. i have spend more than 6 hours now of my time in the past week dealing with this, and being told this is your fault and not sure why i havent received my money back. i am NOT HAPPY with chase bank, and am disappointed ... .because until this situation, i praised Chase Bank ... .i will be taking my money elsewhere when this is resolved. have filed a complaint with the BBB as well.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Credit determination — 
Company: PNC Bank N.A. (MD)

I went to the PNC branch in XXXX, MD to get a debit card and debit card only. I specifically told the manager that I do n't want credit card. He assured me that he is only requesting a debit card to be sent to me. After a couple of weeks I received the debit card as I requested. But then I also received a notice that a credit enquiry was performed PNC sent me a credit card as well. Since then they have been pressuring me to activate the card, which I did not and I am not going to.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX Never open account with XXXX XXXX. Contacted fraud department sent docs over to fraud. Accounts never deleted. Did not open.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

Equifax is reporting my personal information with out my permission per 18 USC 894. Equifax is reporting synchrony bank and inaccurate information about synchrony account, this is a violation of 15 USC 1681. Equifax is also violating 15 USC 6801.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

in accordance with fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states that consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The accounts that harbor late payments that you are reporting are as follows : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XXXX XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Called the company they say they are collecting for XXXX spoke with XXXX and he told me that they do not lease for the apartment complex anymore and haven't for well over a year however, this debt collector is trying to collect a debt for XXXX that is not valid. They informed me that I do not have a debt with them and they do not even have an account for me and my spouse anymore. I have filed a complaint with identitytheft.gov, now cfpb, ftc and a police report on this company. They know all this information that I do not have an account and never owed this amount nobody can verify as they stated that XXXX could, but after talking to XXXX myself that is not true. They do not have an account for us. They will not reply to my emails or answer my phone calls or respond to communication via mail. They ignore me and will not remove the debt after it has been reported as fraud because they sent me a document with my spouse and my signature which is not a valid document and it has information crossed out like the manager changed some information and that automatically invalidates the form. We did not live at this place when they are trying to bill us for. We moved out a month before what they are trying to bill us for. This company is fraudulent and does fraudulent activity and needs to be sued and a class action lawsuit as there are so many people they have done fraudulent activity to as well. They will not respond to you in any form phone calls, emails or letters via mail if you do not agree with the debt so how do you dispute anything if they will not reply anyways. XXXX even told me that they never sent me any document within 14 days of us moving out because we did not have an amount due and no account left with them after we moved so this debt collector is trying to collect something from whoever took over the apartment leasing which is not who I leased through.
Consumer complaint received 2020-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

Name of Credit Collection Company : Receivables Performance Management , LLC Date : XX/XX/2020 This company sent me a letter insisting that I owed {$5000.00} for four technical devices I never purchased. Furthermore, I have never used either XXXX or XXXX XXXX as my carrier with whom the debt was originated. I previously contacted RPM to advise that this is NOT my debt. 

I would like you to contact this company to eliminate this attempt to collect a debt I never incurred so they will stop harassing me. This is very important.
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Firstsource Business Process Services, LLC (LA)

This company is leaving messages at my place of employment after telling them by phone to not call my place of employment because I could lose my job.The calls are still being made.My place XXXX employment tel. no. that I have asked them not to call is XXXX.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It showing that I have a parking ticket in the amount of {$89.00} that is not mines out of XXXX. I contacted them advised what was on my credit report and stated that I have NEVER received a parking ticket and I would like this removed from my credit report. The debt collector referred me to call the original collect and they referred me back to the debt collector. Now I have been given the run around. I have never received any parking ticket because I NEVER park wrong, never signed for nothing, never went to court or anything.
Consumer complaint received 2015-05-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Merchants Credit Corporation (WA)

I have XXXX XXXX from Merchants Credit Association contacting me at work after I have asked to not contact me at work. I left a voice message indicating to her not to contact me at work and she keeps contacting me at work. They have my home phone number and will call everyday and not leave a message.
Consumer complaint received 2015-08-31
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (OH)

I have a loan with Check N Go. The loan is now at {$870.00} with fees and re-financing, even though it started off at {$500.00}. 

I have refinanced it four times. 
Today, I asked for an extended payment plan, and they said that they do not have to offer one in the State of Ohio. 

I would like to file a complaint against them.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

When our daughter went away to college in XX/XX/XXXX, I co-signed for a XXXX with a low limit for expenses. This was done through our private banking at XXXX. Since that time ( XXXX years ago ), I never received a statement or any notification of any kind as she was the primary user. Nor was my name ever removed as it was shifted to a Bank of America card. A few weeks ago when my credit report was checked by my current bank -- XXXX XXXX XXXX XXXX of XXXX, notice of a delinquent account appeared first reported XX/XX/XXXX as a serious delinquency in the amount of over {$20000.00} from a credit card that was closed in XX/XX/XXXX by our daughter and her husband. I have yet to receive any notification from Bank of America or any statement or account information of any kind. My credit rating has always been " outstanding '' or " excellent '' and to date I have not received any satisfactory explanation from Bank of America after filing a complaint to their victims department. I find this an unethical and undoubtedly illegal business practice that has adversely affected my credit rating on all three major credit reports. All other items appearing on the reports are satisfactory and have been for over 30 years.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

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. 
Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX # XXXX, has violated my rights. 
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 reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

Someone claiming to be me my identity was fraudulently used to open a Macy Store credit card, this was not me! XX/XX/2022 someone hacked into my banking account @ XXXX institution and my credit cards on file with XXXX XXXX XXXX Fraud Dept. Contacted me they stopped payment for airline tickets and cash withdrawn from a casino XXXX XXXX in XXXX XXXX, NV. I reopened a new banking account and transfered my funds to new account! 3 credit card closures on both my XXXX XXXX XXXX XXXX XXXX  credit card! I never open up Store Credit Cards ever!
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Dept of XXXX/XXXX is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the XXXX XXXX XXXX dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''