davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (TX)

MY NAME IS XXXX XXXX, I JUST FOUND OUT THAT THESE MEDICAL RECORDS ACCOUNTS WAS OPEN UNDER MY NAME THESE ARE FRAUD ACCOUNTS THAT I NEVER USE THIS MEDICAL COMPANY OR FACILITY I NEVER USE I HAVE A XXXX XXXX XXXX XXXX XXXX FOR LOW INCOME FAMILIES I HAVE DISPUTING BOTH IF THESE MEDICAL BILLS THAT WAS OPEN UNDER XXXX PRETENDS FRAUD ACCOUNTS I AM A VICTIM OF IDENTITY THRIFT CRIME VICTIM WHERE MY WALLET ETC WAS TAKING FROM ME BY STATE LAW I AM NOT RESPONSIBLE FOR THESE ACCOUNT ACCOUNTS THAT WAS FALSELY AND FRAUD UNDER MY NAME I HAVE NO KNOWLEDGE OF THESE ACCOUNTS TILL XX/XX/2019 WHEN I WAS Contacted BY XXXX OF THEIR DATA BREACH
Consumer complaint received 2023-08-04
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-03
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (VA)

I am writing today because I believe that either XXXX  ( Charter Communications ) or CBE group is trying to extort funds from me. When I cancelled my XXXX  service, I went into the XXXX office in XXXX GA and returned all of my equipment. 
Please refer to attachments in parathesis below. 

On XX/XX/2023, CBE sent me egregiously inflated bills ( " XXXX XXXX XXXX XXXX XXXX  '' ) allegedly balances I owe to XXXX. However, on XX/XX/2023, XXXX had turned over the balance of my Mobile account to a collection agency, called XXXX XXXX and they sent me a request for payment of {$69.00} ( see attached XXXX XXXX XXXX '' ) and I submitted payment that same day ( see Payment to XXXX XXXXXXXX XXXX ). Initially back in early XXXX, I submitted a complaint to the XXXX  against CBE because I was not sure which amounts they were trying to collect from because I had already submitted proof of payment ( above ) of the {$69.00}. Then CBE group then consulted with XXXX about this {$69.00} and then XXXX escalated their invoices to inflated amounts, not owed. I submitted a payment of {$110.00} ( see attached labeled " XXXX payment '' for proof of payment ) and now XXXX is showing I now owe a balance of XXXX in my XXXX  account ( See attached, " how much is due to XXXX .. " ) to verify that I owe a XXXX balance. And the amounts I paid were substantially less than the balances sent to me by CBE group. Additionally, if I owed balances for unreturned equipment, these balances should have been listed in my XXXX  account, but they weren't because I had already personally appeared in the XXXX office in XXXX GA to return this equipment. 
They are LYING and I plan on submitting complaints against XXXX  as well as CBE to Fraud complaint with Federal Trade Commission.
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (NJ)

I made a transfer of the sum of XXXX naira ( {$69.00} ) to a friend in XXXX on XX/XX/year> through XXXX. I received a notification within XXXX minutes later that the transfer had been complete. However, the recipient has not received the funds as at the time of writing. I contacted XXXX after 2 days without any proof of funds. They requested that i should provide the recipient 's bank/mobile wallet statement that showed the transaction history immediately after the transaction was sent. I provided the requested document and have tried to contact XXXX several times via both phone and email to resolve this matter but no avail. They claim that they are conducting some investigation but have not even bothered to provide any updates more than XXXX weeks after the transaction.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (TX)

in XXXX of 2024 i tendered my payment to navy federal credit union. their reponse to me was they do not accept that form of payment. im submitting this complaint because XXXX XXXX XXXX seeking to XXXX XXXXXXXX XXXX. i have not only provided them with my promissary note via my original credit application, but i am entitled to recieve interest on the coupon payments i recieve each month. These are notes I am able to collect pursuant to the indenture agreement they have on file with the SEC. Pursuant to UCC 3-604 if the instrument, notes, or any tender of payment is rejected, surrendered, or mutilated, i am able to consider the debt discharged. I am able to send the notes every month. Navy federal can be assured all obligations I incur will be tendered as a form of payment and i will never become delinquent. I also have an XXXXXXXX XXXXXXXX at my disposal who is willing to testify to their securitization tactics. If my concerns are not addressed I will report the cusip number and other relevant information to the SEC. their prospectus clearly states the notes will not be placed on the secondary market.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with Equifax, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXXXXXX XXXX  who referred me back to Equifax and XXXX to resolve. When I called Equifax and XXXX they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXXXXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both equifax and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted XXXX XXXX who confirmed it was never in a bankruptcy and I was referred back to XXXX and Equifax, who again failed to resolve the issue. These are just two of many examples of errors Equifax and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or Equifax. I even asked XXXX XXXX written proof that it was paid and it was denied to me.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (GA)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV INC. (CA)

I contacted the customer service number and was transferred to a phone representative named XXXX at XXXX a.m. on XX/XX/year>. XXXX appeared less than helpful when I inquired about the several attempts I made to transfer my money from XXXX into my financial institution. 

XXXX asked what kind of bank it was, and I asked her how can I determine what type of bank I had. She acted irritated with my question and responded with vague and rude answers. When I questioned XXXX about how I could obtain that information to determine if the transfer could be made, she responded with an attitude again. I provided the name of my bank, and she continued to react with an attitude. She told me, I dont know what that is. She went on to say that she needed the name of my bank because there is a list of banks they can not transfer money into. Yet XXXX asked what the name of my bank was, and I told her it was XXXX XXXX XXXXXXXX XXXX, and she acted like I abandoned her in the dark and communicated in a different language. 


When I perceived the verbal exchange with her was escalating into a dispute, I requested to speak to a supervisor, and she told me to hold. When I was placed on a brief hold, she told me there was a high call volume and that I would be on hold for a while. I was on hold for over an hour with no update or alternative resolution.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading.

This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (GA)

My credit karma XXXX XXXX XXXX accounts were frozen on XX/XX/XXXX after I noticed a password change on my account on XX/XX/XXXX. A few days later after chatting with credit karma and simply being told to change my password, I started a case to request a new virtual card just in case whoever got into my account obtained it. Then on XX/XX/XXXX i received an email sayinf my account has been locked and to submit information to verify my identity. I do so, then XXXX hours ago and i check my banking app My credit karma XXXX  account has not just been locked, its been frozen. called 4 times about the issue and was told the case was sent to a specialized team. I webchatted about it and was told nothing could be done on their end and to call the number. The fraud team is only used to gather and disperse information. I was told that within XXXX hours all devices accessing my account will be kicked off of my account. What? That should have been done the day I changed my password, the day that my account was accessed. Have they not been kicked off of the account after changing my information? That's ridiculous. It doesn't take XXXX hours to do. Every other website kicks other devices off when you change your password. XX/XX/XXXX I called credit karma after XXXX hour timeline had not been fulfilled and was told to continue waiting. I called XXXX XXXX who stated they would escalate things with credit karma after much push back and being told to wait XXXX hours. It is ridiculous that it takes this long to resolve a frozen account. Whoever has accessed my account still isn't kicked out of my account either, I know because I haven't been kicked out of the app yet. I've called 9 times today. This needs to be resolved immediately! This is my only checking account and where all of my money is!
Consumer complaint received 2023-08-29
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. (MI)

I have previously submitted complaints under the fair reporting acts under consumer protection laws showing the inaccuracies on my credit report. I have provided the documentation from XXXX, XXXX, Equifax that the accounts below do not even have my legal name on them. I have filed an identity theft report and will provide that documentation attached to this complaint. 

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.
Consumer complaint received 2023-08-04
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act Collections- XXXX XXXX  M 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Consumer complaint received 2023-09-19
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. (MA)

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 reports no consent is fraud.
Consumer complaint received 2018-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I filed a complaint against the credit bureaus, XX/XX/2018, requesting they validate the debt shown as collections on my credit reports. They send correspondence of the dispute to the creditors, and today I have not received the documentations bearing my signature on the original contract to the debt. I am not aware of this company as a duplicate debtor on my credit report and request validation.
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's XXXXl to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-09-15
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. (NY)

In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.
Consumer complaint received 2023-08-29
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-29
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.