davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (MI)

CFPB Complain Against Merchant : XXXX In this complaint, you will find the police report number. In which I was provided the wrong one, so, if that is the incorrect one. Please let me know. I have XXXX and XXXX. 

This report is against my Financial Institute : MyWisely. I actually can not find their information to give it to you guys. 

I reported to them the transactions and the police number and they refused to assist in this case. I even provided them the information to the company Corp guest relations. So, they can correlate the funds back into my account. They denied me the return and did no investigation. This is not the only issue with the finical institute. I believe they are assisting in something, above my level of proof. Money has been approved with notice, changes to my account, and missing money. Especially when I had two employers that used the same ADP and MyWisely. I would like the company investigated. Right along with XXXX XXXX XXXXXXXX : Specific Location and Corporate Office. 

* 1 ) My Wisely Finical Institute. No Information Available. XXXX XXXX recently advised to me, they dropped their affiliation. They have denied me a return, after providing them all the information of fraud on my account. Also, have mis appropriated funds, and covering it up. I swear if you do a open investigation, you will see just from my side, that will apply to others. After this, I will not longer bank with the suggested employer companies. But, this company is not assisting how it should. I have provided several instances with this kind of scenario 's on my account and no avail. I have also faxed and emailed instances of disputes not being refunded, so, they go and do a return prior to the dispute charge date. Serious : " How would I spend fund I noticed were incorrect the month prior to the dispute. This XXXX XXXX XXXX is the last straw, being {$940.00} and they denied me a refund or further investigation. I will be changing my banking institute. 

XXXX ) Specific Location : XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, NC XXXX Phone : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX Senior Operations Support Specialist XXXX XXXX XXXX  XXXX XXXX Fax XXXX XXXX XXXX These are all the people involved in the situation that have completed disregarded my request for footage of the person ( XXXX ) who stolen my money, information to press charges, refund, and resolution. I am not certain if this is the correct stop. The case listed above is the one, this may need to be under. I am still trying to get my funds back and just my fund can not equate. I have spent more time, money, energy,
Consumer complaint received 2023-04-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (NY)

I am the private student loan holder, XXXX XXXX and my dad is XXXX XXXX. He cosigned about 23 years ago and since then I've graduated with a bachelor 's and have made consecutive payments for over a year. 

Furthermore, my father filed for bankruptcy and they are suppose to leave him alone. The reason I'm filing a complaint is because I lost my job in XX/XX/2023 but still carried on paying the {$100.00} a month. It became too much to pay by XX/XX/2023 soni called Navient customer service at the end of XXXX requesting a temporary forbearance. The agent I spoke with told me that I'm not required to make payments on that loan right now due to a legal issue going on. They didn't tell me much but I assumed it was due to my dad 's bankruptcy. So I didn't make my XXXX payment under the assumption that I was not required to. 

My dad calls me yesterday to let me know that Navient has been hassling him with robocalls several times a day. Unless Navient lied to me, then I'm not liable and I'd like them to stop calling my dad 's house ASAP. 

I'm not able to call them at the moment but I did email them to let them know with no response.
Consumer complaint received 2024-04-08
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. (OH)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 
XXXX XXXX XXXX XXXX {$7400.00} XXXX XXXX {$37000.00} XXXX XXXX {$1900.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX {$730.00} XXXX XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX {$200.00} XXXX XXXX XXXX {$8400.00} XXXX XXXX {$4000.00} XXXX  XXXX {$130.00}
Consumer complaint received 2024-04-08
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Medical Recovery Services, LLC (ID)

XX/XX/XXXX I took my son to the XXXX  at XXXX XXXX XXXX in XXXX XXXX, ID. I provided insurance at time of service and never knew I I had a bill there. Fast Forward to XX/XX/XXXX I received a knock on my door from the sheriff 's department serving me with a court summons from a collections agency I've never heard of much less ever received a bill from. Medical Recovery Services , LLC is sueing me for the sum of {$1800.00} to which the medical services at the hospital didn't cost that much. I called the hospital and they have no record me ever owing anything. They said I don't owe the hospital anything but said because the doctor is a private contractor, the doctor forgot to ask the hospital for the insurance I provided. Now it's too late to submit an insurance claim however I provided payment and insurance at time of service. It's not my job to remind the doctor to do her job and fill out her side of the paperwork to get paid. I don't owe this collection agency anything, I never received services from them!
Consumer complaint received 2018-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Constar Financial Services, LLC (TX)

On or about two weeks ago, this company begin to call me repeatedly about a debt/collection via XXXX XXXX Account. I advise the gentleman that this account was already disputed many months ago with XXXX XXXX as the result of Identity theft. The accounts were removed from my reports and then I started receiving these notices. I explained to someone named XXXX or XXXX ( spelling ) that I had copies of Police reports and my ID Theft Affidavit. He became rude and kept saying I owed the debt and I needed to pay up or else. I hung up on him and never heard anything back from this company until i received this notice in the mail from Constar Financial Services and again it's regarding the same matter. 

This company is not taking measures to protect me and has been constantly calling me regarding this up till I received the notice in the mail of an attempt to collect a debt and this could possibly go on my credit. 

Please be advised that I am again attaching docs to prove what i further stated before. This was the result of identity theft I clearly am requesting this company to stop harrassing me regarding this alleged debt and furthermore I am not authorizing them to insert any actions on my creidt reports as this is clearly not my account. I have current ID Theft reports in place on my credit reports, but CONSTAR STILL REQUESTED my credit report from XXXX and XXXX, although I did not give authorization to do so.
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXXXXXX XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  - XXXX, XXXX - XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

I have been enrolled in an Income-Driven Repayment ( IDR ) or Save plan for my federal student loans since XXXX. Despite over 20 years of repayment, my loans have not been forgiven as expected under the terms of these plans. My loan servicer, Mohela, has not provided a satisfactory explanation, a detailed payment count, or guidance on why my loans have not been dismissed. I filed a complaint with the XXXX XXXX XXXX Ombudsman on XX/XX/23 but have not reached a resolution. I am seeking the CFPB 's assistance in obtaining a clear account of my qualifying payments and ensuring that my loans are reviewed for forgiveness eligibility according to the IDR plan terms.
Consumer complaint received 2023-04-27
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ingenuity RM, LLC (ND)

Ingenuity RM had contacted me via mail regarding rent they claim was unpaid for over {$8000.00}. We rented from the company they represent almost XXXX  years ago and when we left we were not told of any owed amounts and paid rent monthly. We requested all the information regarding the debt according to the FDCPA. There was no response from the debt collection company for 30 days thus we sent a letter after that time frame that they did no provide us the information requested and according to the FDCPA, they could no longer request we pay the amount in question. There has been no communication regarding our request but they have now hired an attorney and are trying to take us to court for civil action.
Consumer complaint received 2023-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

I declare under penalty of perjury funder the laws of the United States. If'executed outsid [ of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certiy that i am permised by FEDERAL and STATE LAW to tie this dispute 1 also understand that knowing and willul misstatements or omissions of material facts consttutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C. 1001 Additionally these misstatements are punishable as perjury under 16 U S C 1621. This collection found within my credit report are not related to any transaction that I made I alleging that a person or company- without my authorization- used my personal identilying information to apply for goods, services, or money and, was successful in creating some accounts. All is being investigated by me FTC
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint against Experian, XXXX, and XXXX for furnishing inaccurate information on my credit reports in violation of 15 U.S.C. 1681s-2. 

Experian, XXXX, and XXXX are reporting a charged off debt on my credit reports. However, a charge off is defined by the IRS as canceled debt which must be reported as ordinary income on my taxes using Form 1099-C if the canceled debt amount is {$600.00} or more. 

Income does not get reported on consumer credit reports. By inaccurately reporting this charged off debt as a current debt rather than as income, Experian, XXXX, and XXXX are knowingly furnishing incorrect information on my credit reports. This is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

I have notified Experian, XXXX, and XXXX that they are reporting inaccurate information by disputing this account with them. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), after being notified of inaccurate information, a furnisher may not continue to report that information if it is in fact inaccurate. However, Experian, XXXX, and XXXX have failed to correct this inaccurate reporting. 

The reporting of this inaccurate information has severely damaged my credit scores, reputation, and ability to obtain credit. Experian, XXXX, and XXXX have an obligation under the FCRA to report accurate information, and they have failed in this duty. 

I demand that Experian, XXXX, and XXXX immediately delete this inaccurate charge off from my credit reports. They have XXXX calendar days to remove this erroneous account. 

The continued inaccurate reporting of this account is a clear violation of Experian, XXXX, and XXXX 's responsibilities as furnishers of information under 15 U.S.C. 1681s-2. 

Their negligence in failing to correct this inaccurate reporting after being notified has caused me and my family significant harm. This complaint serves as a final opportunity for them to cure their noncompliance and delete the inaccurate information. 

I swear under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capital Services I see you took full advantage of the system behind our backs when you couldn't legitimately prove I owed anyone for what you were attempting to collect so what did you do? You turned around and had LVFUNDING place it on the reporting services agencies like XXXX, I guess that collusion has worked for now, good work, but now that I'm recovering from a long illness we noticed this collusion and have taken a snapshot of it to send to the FTC. 
This kind of activity on your part shows you have no regard to what the rules are under the FDCPA OR THE FCRA and it certainly isn't XXXX XXXX compliant therefore, we will be suing you for this collusion behind our backs.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I HAVE REACHED OUT TO EXPERIAN, XXXX XXXX XXXX TO NOTIFY THEM OF UNAUTHORIZED ACTIVITY AND IDENTITY THEFT. I HAVE ALSO SUBMITTED AN IDENTITY THEFT REPORT ALONG WITH COPIES OF ID AND SOCIAL AND OTHER VERIFIABLE IDENTITY DOCUMENTS THAT FUTHER SUPPORTS MY COMPLAINT. MY IDENTITY WAS COMPROMISED A TIME BEFORE AND YET HAS NOT BEEN PROTECTED BY BUREAUS NOR HAVE THEY CORRECTED THIS ISSUE. 

EXPERIAN : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (TX)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX 19 ) XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im trying to apply for for funding to start the process of buying my house but I'm not able to get approved due to unrecognized innacurrate inquiries on my credit report. These inquiries were not authorized by me.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-20
Product: Credit 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: WELLS FARGO & COMPANY (IN)

I noticed a fraudulent balance transfer on my Wells Fargo credit card. I called to report it, they said they would investigate and refunded the balance. At this time they also closed the original account and opened a new account. Now, the original balance transfer has been put back on the new account, plus it has been duplicated. I did not authorize this. Wells Fargo is not helping.
Consumer complaint received 2024-01-20
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX CLOSED CREDIT CARD THIS ACCOUNT WAS SETTLED BUT IS HURTING MY CREDIT REPORT IT WAS SUPPOSED TO BE REMOVED IN EXCHANGE TO BEING SETTLED XXXX XXXX XXXX XXXXXX/XX/year> PAID CLOSED THIS ACCOUNT WAS NOT OPEN BY ME I ALSO REPORTED TO COMPANY MULTIPLE TIMES WITHIN XXXX YEARS ( FCRA ) regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.

A consumer shall have the right to request that a business delete any personal information about the consumer which the business has collected from the consumer.

A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers rights to request the deletion of the consumers personal information.

A business that receives a verifiable consumer request from a consumer to delete the consumers personal information pursuant to subdivision ( a ) of this section shall delete the consumers personal information from its records and direct any service providers to delete the consumers personal information from their records.