davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

According to 15 U.S. Code 1681e section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

There are multiple inaccuracies listed on my credit report from personal onformation, collection accounts, derogatory accounts and account statuses.
Consumer complaint received 2020-05-29
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. (CA)

AS A CONSUMER, I AM TRYING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY PROFILE, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE ACCOUNT WAS OPENED, MAINTAINED BY A THEIF. AS A CONSUMER, MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED. AGAIN, I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, I HAVE NEVER SEEN THIS CARD, I HAVE NEVER USED THIS CARD.
Consumer complaint received 2024-03-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

XXXX. On XX/XX/XXXX I sent an email ( as I was instructed ) to XXXX Good morning, Before I can register a XXXX that I purchased, XXXX XXXX XXXX XXXX requires proof of satisfaction of a prior loan for this property. They informed me that a loan in the amount of {$100000.00} was taken out by XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX through XXXX XXXXXXXX XXXX ( now FNB ) under Batch XXXX. 

Please forward this signed documentation to me either in pdf format to my email XXXX or mail to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The same day, XX/XX/XXXX I received this response from FNB : Hello, We would need the customer to reach out to us for their satisfaction. Unfortunately, we can not give out any information regarding other customers loans. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Mail XXXX : XXXX XXXX XXXX. Later that same day XX/XX/XXXX I replied to their email and have not received any response. 

" Consumer Financial Protection Bureau section 1024.36 Requests for Information. Specifically section i. I am a person with a successor in interest as I have now purchased this property and are required to verify that it does not have an outstanding loan. I can provide bills of sale, copies of my ID and whatever else you may need to validate my claim. 

Thank you for your assistance, XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was notified by the credit card fraud department at Capital One bank that somebody tried to get a credit card in my name. The application number was XXXX. The bank denied the card as fraud was suspected. I told them again that I did not apply for this card.This application was done on XX/XX/2023.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2023-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (CA)

Allied Collection Service ( Original Creditor : XXXX XXXX ) Account # XXXX in the amount of {$860.00} is NOT my debt. In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. I demand a block of this information that has been furnished without my permission. Allied Collection Service ( Original Creditor : XXXX XXXX  ) Under 15USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

You guys are in clear violation of the FRCA and my consumer rights. I Demand a deletion of this account effective immediately from my consumer report. If the account is not removed from my consumer report I will take this to a federal matter. 
XXXX XXXX XXXX XXXX XXXX beneficiary All Rights Reserved
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MS)

I checked my credit report via XXXX XXXX one random day and saw that I had a collections report that I was completely unaware of and had not been notified of at all. It is from XXXX and they have not sent me a bill either. I feel blindsided and if I was notified, I would have paid so that it would not be sent to collections.
Consumer complaint received 2023-04-03
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: Nelnet, Inc. (WI)

how is it fair and impartial to only take in consideration what nelnet is reporting to you In 2014 in XXXX I did not authorize Nelnet department to report my information to the XXXX credit bureau. 
I am claiming Identity theft because this is a business transaction that does not benefit me. 
First I wan na know how experian verified my Account with nelnet department of education. 
as a result of your reinvestigation account was verified in 5 days how is this possible
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$310.00}.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

I was notified by mail regarding accounts that were open without my knowledge and I reach out to Wells Fargo and connected all credit bureau and was amazed how they can not find out who did because Wells Fargo advised they account was done through there website and I ask if they were able to find or retrieve the ip address to charge who took all my information. Banks need more security actions when accounts are be open on the website.
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MD)

I received mail regarding two separate debts I owe to Phoenix Financial Services. I mailed a letter to the company requesting validation of the debts beginning in XX/XX/2021. I received a letter in the mail from the company after at least two letters they have received from me requesting debt validation. The letter contained vague information with only my name and the current creditor of the debts I supposedly owe, which was another debt collection company as well as the original creditor, a company I do not recognize. The packet of information did not include the items that I requested. Some of the information was incorrect, I did not recognize some dates of service listed or physician names, and I could not validate that I owe this debt to the company. After receiving this letter I sent another letter explaining I was not able to validate the debt and they did not send the information I requested. I then received a letter from the company that one of the two debts they claim I owe was removed. I sent another letter asking the company to either validate or remove the other debt as well. I then received a letter from Phoenix explaining that I have made no new requests and that the dispute will not be investigated. After receiving this letter I sent a final letter saying they have made a mistake and that I never received validation for this debt and again to validate or remove the second debt. I have not received a response from the company nor has the debt been removed.
Consumer complaint received 2022-07-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Act # 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
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One runs Capital One XXXXXXXX- a website providing members with rebates on certain purchases that are paid out via gift cards. 

In XX/XX/2022, while I was shopping online, I received an offer from Capital One Shopping for 24 % off an item I had previously viewed. I activated this offer and purchased the item from the partner website. The calculated rebate amount is {$400.00}. 

I subsequently noticed that while the shopping trip was recorded in my Capital One XXXX account, the purchase and expected rebate amount was not recorded ( i.e., it saw that I visited the partner website but did not register the purchase ). As a result, I sent an email to help @ XXXX ( the only way to contact them ) describing the issue and providing a comprehensive set of documents evidencing their offer and the completed transaction. It has been three months and despite several follow-ups to this email address, there has been no meaningful action to resolve this matter. In most cases, they simply do not respond. 

I am owed a {$400.00} gift card from them and believe this to be a bait and switch incident that is also unfair and deceptive.
Consumer complaint received 2020-05-29
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$480.00}
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act this creditor ( Capital one ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 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.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

( CHASE BANK ) Between XXXX XXXX i received and email notification stating my email address and telephone number has been updated. 
Which i never authorized nor gave anyone permission to change my information. 
Ive been using the same email address and phone number for the last 10 years and still havent changed all of a sudden im received multiple emails in regards to all my financial accounts that the email address has been changed to XXXX And tel number changed to ( XXXX ) XXXX. 
That is not me these are the evidence the fraudster left behind. 
My phone number ( XXXX ) XXXX and email address XXXX is the information i been using and havent changed it but ever since i lost my wallet with including my ca  driver license ive been dealing with so much stressing fraud cyber hacking attacks i have proof of when and where the date when i opened the bank account with chase i also have chase private client accounts along with 2 companys buissness accounts with chase i have supporting documents such as opening agreements if you look back into history you will see my email adress and phone number and user id and pw all has been updated to another information that i have no clue about this is my hard earned working personal accounts woth buissness accounts that all have been compromised and when i call customer service the fraudster had set a verbal password so when i call the customer service is not beliving me and truly listening to what information im stating. The fraudster recently reordered all my credit cards and debit cards personal to buissness and the using my accounts and i have a family to support and a buissness to run XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is the buissness chase account i own but have no access to it i have close to XXXX XXXXXXXX in just that account i have no online access to it ever since fraudster changing all my information ive stepped into branch and spoke to fraud dept but still no help..
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am writing to express my profound dissatisfaction and frustration with the utterly unacceptable handling of my car title transfer process by Toyota Financial Services ( TFS ). As a current loan customer of TFS, I expected a level of professionalism and competence that has regrettably been sorely lacking in my recent interactions with your company. 

On XX/XX/2024, I initiated the process of transferring my car registration from California to Oregon. Since then, I have engaged in numerous digital and audio conversations with various TFS representatives, only to encounter a baffling array of contradictory instructions and misinformation at every turn. 

Initially, I was instructed to fax all necessary applications to Title Services, only to be later informed that I must send original documents via mail to an entirely different address. This discrepancy alone has resulted in unnecessary delays and undue inconvenience on my part. Moreover, the address provided to me by a TFS customer service representativeXXXX XXXX XXXX XXXX XXXX, XXXX now been deemed incorrect, after I had already overnighted the documents and a check to that address, incurring a non-trivial expense of {$35.00}. 

Compounding these errors is the fact that I am now driving with expired registration, directly attributable to the incompetence and negligence of TFS in handling this matter. This situation is utterly unacceptable and reflects poorly on the professionalism and reliability of Toyota Financial Services.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (OH)

I requested that they stop calling me, which they continued to do. I originally messaged them through they're website asking for validation of the debt which they informed me multiple times that they could not provide. I then randomly received a letter about the validation that did not comply with the law. I wrote them a letter clarifying what information I wanted to be provided with on XX/XX/2024. This is what I requested in that letter. 

Will you provide a copy of the contract that shows my agreement to do business with you? Along with a full record of accounting for the alleged debt. Can you provide proof that the alleged debt is still within Ohios statute of limitations? Lastly, please provide documentation showing how much you paid for this alleged debt. 

I never received a response from them, except them trying to call me again. I then received a letter in the mail about this being the final attempt before they send it to an attorney in the state of Ohio.
Consumer complaint received 2024-01-20
Product: Credit reporting 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. (OH)

I have an account through XXXX XXXX, Acct # XXXX, as reported on XXXX. Please begin to report and add this credit card to my XXXX and Experian accounts as well. I have called several times to have this account ADDED to my credit report, with no success. 

Please update ad ADD THIS ACCOUNT TO MY CREDIT FILE.
Consumer complaint received 2017-01-03
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems (TN)

A collection action appeared on my credit bureau file today for Midwest Recoveries for {$760.00} for a 2012 loan that I did not apply for or receive. Today is the first time I have heard of this. The phone number on the file prompted me to call and I spoke with XXXX that said he received it from attorney XXXX
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (TX)

ACS was the servicer of my old loan and XXXX took over the loan in 2014 and the balance was paid to XXXX . I filed a dispute with ACS because of incorrect payment history on my credit report. The dispute was finished and the some of the payment history was deleted but then then the loan turned into a collection with a XXXX balance, which is highly incorrect and illegal. The original loan balance was no more than XXXX so I know the balance is incorrect. ACS just put a random balance on my credit report. I need proof of this amount and I need ACS to send the paper info with all included loan balances and payments to me. This is highly against FCRA law and I 've file multiple disputes with them and the credit bureaus. I need ALL NEGATIVE payment info submitted by ACS to deleted ASAP.
Consumer complaint received 2017-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

A Company Called  Diversified Consultants be gan calling my cell phone multiple times a day. I would not answer the phone because I have no business with that company. They have added a collection account to my credit report. I do not have any business with this company and have no outstanding unpaid bills or charged of debt with this company or any other. I believe they have the incorrect person or they are trying to collect money from over 20 years ago. They have not mailed me any information about the debt and I will not speak to a collection office when I know I have no issues.     I believe this company is engaging in debt collection in an illegal matter and should be investigated. I have disputed the account with the credit bureaus. If the account is not removed from the credit bureaus then I will pursue legal action for damages against  Diversified Consultants.      I am in the process of trying to buy a home and this has caused financial damage to my person.      XXXX   XXXX
Consumer complaint received 2020-05-29
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: The CBE Group, Inc. (FL)

I am receiving derogatory remarks on my credit score / credit report from an account in collections from a company I do not know and do not owe {$290.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue. The CBE group replied to my prior submission and said they will look into this further yet this is still negatively affecting me during these hard times, and reporting negatively on my credit report.