davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC (VA)

In XXXX a XXXX XXXX bill was sent to collections of {$500.00} dollars was paid in XXXX with receipt saved. The debt was sold anyway on XXXX I fought back and disputed the collection with the credit bureaus and was awarded it be taken down months later the debt was sold twice now on my credit report twice under 2 different collection agencies. I reached out to both collection agencies for the original debt document and called after 30 day to check on the documents was told the file was pulled and resold. This harassment and harm to my credit score has been going on for 2 years they post the debt and pull it when I dispute. Post again almost 4-5 times a year. I called the hospital to gain access to all debts owed and there is not one {$500.00} debt owed. When I dispute now this the credit bureaus say the debt is valid. But everytime I request information from the debt creditors they sell the debt which is under XXXX XXXX XXXX XXXX  of different collection agencies own by the same company. Help what do I do. I have all documents to prove my case.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc (IL)

I sent information about this bill to Cfpb that I paid the XXXX they said I owed for an accident that occurred on XX/XX/XXXX. Cfpb said the company National Service bureau will answer my complaint within 60 days that was on XX/XX/XXXX. Today XX/XX/XXXX I received a final notice from National Credit Bureau asking for a payment of XXXX to prevent further collection activity. I refuse to pay for something that I don't know what it's for. I want this company to stop bothering me for a bill that I don't owe. I believe this is a scam. They said I owed XXXX and I paid that now they come up with an additional XXXX for what
Consumer complaint received 2024-04-14
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. (NY)

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. According to 15 USC 1681s-2 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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account amount : {$860.00} Date opened : XX/XX/2023 XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Around the beginning of XX/XX/2024 Zelle Wholly owned by Early Warning Systems Inc, Suspended my Zelle profile with every financial institution. There was no reason or explanation as to why my Zelle Profile was Disabled with my Banking institutions. After further investigation it it appear that XXXX XXXX opened fraudulent account 's a XXXX XXXX, Savings, and Checking. XXXX XXXX also opened an online banking profile, and Zelle Profile. I called XXXX over XXXX Times, and Advised them. First of all I have never applied for any of the account 's listed above, I have never signed any applications and these were fraudulent account 's. I have asked XXXX to Deactivate the Zelle profile as It was opened as part of Identity Theft, XXXX refuses to deactivate the profile and said they are investigating it. Meanwhile, XXXX reported FALSE information to Early Warning stating that I may have used Zelle for a fraudulent transaction or for illegal purposes. Which means you may have used it for XXXX XXXX Or If one of the Zelle transactions has been used for Gambling Purposes, Or If a Zelle Transaction has been used for a scam or if it has been reported as Fraud by the receivers bank for any transaction sent. None of this has occurred. I never have disputed any Zelle Transactions, I have never used my Zelle for any Illegal Purposes, Nor have I violated any Zelle Terms or Conditions. I only use Zelle for paying my family for Tips or splitting the bill if we are out to eat. I do not send ZELLE to anyone I do not know, and nor have I ever disputed any Zelle charge. Fraud nor Dispute. Yet due to XXXX INACCURATE LIES And reporting, Early Warning Systems put a suspension on my Zelle Profile globally, Like a Black list of sort. This is causing me Financial HARM. Again, I have never disputed a single zelle charge, and I have never used it fraudulently. XXXX is my actual bank and it was disabled. XXXX says they can not assist me, Because they did not report any information about me to Zelle. XXXX Did, I am now requesting A Dispute to the reported information from XXXX. I want my Zelle Profile Reinstated with Zelle. I am submitting my Dispute to the reported information. This information that was reported from XXXX Is false and Inaccurate, and It has caused Zelle to take a Global approach to Suspend me as a customer based on false pretenses. I am a victim of Identity Fraud, and I did not committ any fraud against Zelle. I did not use Zelle to infringe upon any of their terms and conditions either, and I have never used zelle for a fraudulent purpose. I read the terms and conditions and I want to be removed from the false reporting by XXXXXXXX XXXX  XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

Lexus Nexus Risk Solutiions has been providing the report they maintain on me with my personal and private information to third parties without consent. I request a security freeze on all Lexus Nexus reporting and they stated a security freeze is in place however they have provided my reports including XXXX XXXX reporting to third parties without authorization.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX at XXXX, I received an email from XXXX that I had made a payment of {$200.00} to XXXX XXXX . I immediately called Harris Bank to report this and close my debit card as this was a transaction that I didn't make, since I don't have an open XXXX account and don't know this individual. 

I was credited back the money pending a review of this transaction. I received notice from Harris Bank that they found this to be a valid transaction. Upon receiving this letter, I contacted XXXX to get additional information from them. 

When asked to review this dispute further, I received the same letter from XXXX XXXX stating " Please see the attached doc. '' He also included his supervisor XXXX XXXX on the email. When I attempted to contact them to request that the letter I received was one that was already sent to me, my email was rejected. 

After speaking with XXXX from XXXX on Friday, XX/XX/XXXX the individual who fraudulently used my debit card attempted another transaction in the amount of {$190.00} after my card was closed. The additional transaction was declined since my card had been closed. Obviously, I wouldn't call and close my card after the {$200.00} payment and then attempt to make another one right afterwards. 

I have not been able to reach anyone at Harris Bank. Each time I speak with someone from XXXX, they state that I need to send an email to the XXXX. I have done this several times and receive little to no response.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

After receiving multiple phone calls by this company starting XX/XX/year>, on XXXXrequested for a validation of debt which I haven't received also they have furnished illegal inaccurate information to my consumer report.
Consumer complaint received 2024-03-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

Hello I'am Reporting Stolen XXXX XXXX XXXX XXXX XXXX  I Mail XXXX XXXX Via Registered Mail & They Received Payment/Securities On XXXX XXXX Here Is The Proof Registered Mail Number XXXX. I Also Sent A Detalied Instruction Letter Along With These Stolen Securities Stating That If This Was Not The Correct Address Or Way It Should Have Been Done To Mail The Securities Back To Me Via The Same Address It Was Sent From. It Has Been 11 Days Nothing Has Been Credited To My Account Every Time I Call They Say A Different Department Handles That. So At This Point This Company Has Cashed In My Securities For Payment A Didn't Credit My Account. It Was Mailed Out XX/XX/year> They Got It On XX/XX/year> If I Was Doin Anything Incorrect Or Not Valid The Federal United States XXXX XXXX Wouldn't Have Allowed Me To Send The Securities That They Seen An Also Round House The Stamps On It. 

The FTC Has Been Notified As Well.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: United PanAm Financial Corp. (NC)

These accounts are reporting inaccurate on my profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A collection was reported XXXX the XXXX in regards XXXX XXXX XXXX {$10000.00} I immediately contacted the creditor and notified them of fraud. I never had a mortgage account or loan with this company and the creditor said that it could be due to inaccurate social and in order for him to remove it I would have to pay {$200.00} to dispute with their company. This debt is not mine and I want it removed from my credit report.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (CA)

i needs help on this i trying file bank fraud twice last year ago XXXX XXXX  refused to refund XXXX $ the debt not my fault is bank fault the bank they don't follow this A personal account holder has up to 60 days to report ACH fraud to their bank, while businesses have just XXXX hours. That's because businesses aren't protected under XXXX XXXX XXXX, ACH fraud protection i needs refund check at XXXX $
Consumer complaint received 2024-03-24
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. (NC)

I'm genuinely perplexed. No matter how many times I assert that I'm the one behind this letter, it seems the message is continually overlooked. Let me clarify : I'm the individual instigating these disputes under my own name. However, this particular item is unfamiliar to me. I fail to comprehend why you're labeling these as fraudulent or posing a high risk. The documents I've submitted are authentic, they're mine, duly filed with the appropriate agencies, and they support my stance. Let 's set the record straight! 

Firstly, I'm aware that under FCRA Section 619, obtaining information under false pretenses carries severe penalties. Any individual knowingly and willfully obtaining information on a consumer from a consumer reporting agency under false pretenses may face fines or imprisonment, or both, as per Title 18 United States Code. 

Crucially, I have never shared my documentation with anyone else, which seems to be the basis for the claim of high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ), if a consumer reporting agency reasonably determines that a dispute by the consumer lacks sufficient information to investigate the disputed information, they may terminate the reinvestigation.

Furthermore, under 617 Civil liability for negligent non-compliance ( 15 U.S.C, 1681o ), any person negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure, along with the costs of the action and reasonable attorneys fees in the case of any successful action to enforce liability under this section. 

Here is the list of items that are unknown to me : 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 2024-02-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year>, XXXX i received and email from my capital one bank account stating ( XXXX XXXX Were restricting your Capital One account ( s ) until we can verify your recent account activity. 



Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. 



If you have questions, please give us a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Thanks for choosing Capital One. ) I have called over 7 times and emailed them asking for more information and how to get this resolved because I transfered over XXXX XXXX dollars and now I can not pay any of my bills or have any access to my account and no one is helping me except telling me its in a investigation but nothing else and no time frame on when i will hear more about it. Very unprofessional
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

I ended service with XXXX over 3 years ago. at the time they billed me for service after the account was closed. The account was closed because they raised prices 4 times in the last year of service without any notification and upgraded the " cable package '' to higher tier with no notification. 
I don't remember specific dates, but on my call to them they confirmed the date the account was closed was before the billing period on the bill they sent. I said " so this will be fixed, right? '' Now 3 years later I am getting a collection notice. Ridiculous.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

I received notification from XXXX on XX/XX/XXXX that a derogatory account had been reported by Southwest Credit Systems. 

Southwest Credit System reported an unknown account and did not send written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

Additionally Southwest Credit Systems did provide evidence that they are licensed to collect debt in California. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

This behavior is highly illegal and violates multiple consumer laws therefore I have submitted this complaint for investigation.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

I have a total of 6 student loans. The loans were originally under Nelnet Servicer but in XX/XX/XXXX all were transferred to XXXX XXXX. 
According to XXXX Credit Bureau they are reporting 12 student loans in my credit report. Instead of showing the actual 6 loans under XXXX. Its showing that I have 6 under XXXX and 6 under Nelnet which is INCORRECT. 
I spoke several times to the credit department at Nelnet and they said that they transferred all 6 student loans to XXXX and XXXX should have continued those 6 loans but instead OPENED 6 new credit lines and this is what has caused the error on my credit report. Nelnet said only XXXX can rectify this issue because it was their error. 
I have been going back and forth with XXXX provided all documents needed and they still failed to resolve the issue. I first reported the issue beginning XX/XX/XXXX a supervisor at their credit department told me it would be fixed in 2 weeks. Its been almost 2 months and absolutely nothing has happened. Due to this error my credit report is showing my student loan debt to be doubled the amount of what it actually is, its showing {$82000.00} in student loan debt which is completely FALSE. 
This is greatly impacting me in my finances. Please help.
Consumer complaint received 2024-02-28
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (GA)

Provisional credit requested for case XXXX Chase bank have been in a lot of hot water lately. I had over {$2000.00} of unauthorized charges. I have called on multiple times and was told I would get a provisional credit which is my legal rights as a usa citizen. They constantly deny my case without given me that grace. When I call, they will say if you provide this document, this police record, I assure you that you will receive your money back. I do it, and do not. This company do not honor their word! I work in this field from another company so I know it's their mission to deny you of your legal rights and hope you're not smart enough to fight it. There is an honor system and since all calls are recorded, the fact that they say they will they should. These remote fast food worker mentally people at this company are just low lives that have to keep job security by denying you on purpose so you can call in. I am going to a lawyer to pull up every phone conversation from the ones where you guys hung up on, laughed in my face for crying about someone stealing from me, reassuring that I will get my money back and also, the emails where you guys willingly said my information was compromised and to call right away. How can it not be unauthorized when you guys catch the suspicious activity? I won't my money back. I have found this helpful link. Under regulation e, I'm subject to a provisional credit despite you guys may think. I want a provisional credit for every last XXXX I said was unauthorized or lawyers will be called and I'll get more. You guys have to honor the EFTA and are being investigated as we speak. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

I received an Invoice today XX/XX/XXXX showing a payment of {$890.00} to Coinbase. I do not have an account with Coinbase, but they had my email and name. I called them and they confirmed there was an account with my name and email address, but could not offer a resolution unless I allowed them to " remote in '' to my computer. I told them I would call them back. I asked IT several security people that I know, who said I should not allow this company to " remote in '' to my computer. Coinbase said they had to " see my IP address '' which makes no sense because my cable company told me this address changes every few days, and really I could have been sitting in front of anyone 's computer. I called them back and they said they could not help me unless I allowed this. The company should have some process for investigating fraud accounts. It is illegal for a banking institution or financial company to demand logging into my computer to gain access to it.
Consumer complaint received 2018-11-13
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. (UT)

XXXX XXXX is reporting debt collections on my credit file that I do not owe. These collections are not mine! I have never received any notices for them, and I do not know what they are for.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Previously I was a victim of fraud. The criminals tricked me into depositing fake or empty checks into my bank account while also tricking me into gaining my trust. I had my account closed and later discovered that I was a victim of fraud and identity theft ( IRS approves ). 

Yesterday I inputted my information for a checking account following a {$300.00} bonus offer and was instantly accepted. I had an active account and even deposited $ XXXX for a wire transfer for a SUV I won on an auction. 

After submitting the wire transfer, making deposits ( with cash at atm too ), and given a debit card. 

The bank messaged me Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because the closure by Wells Fargo or its affiliates of a previous account you owned. 
-If ongoing reviews are active then why was I approved for a bank account in the first place? 
-How did I get approved for an account if the ongoing reviews are active and flagging me? 
-Was this really an ongoing review or a targeted one? 
-How is blacklisting me from creating a bank account while I was another poor victim towards fraud and online scammers justified?
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Local Management, LLC (GA)

Constantly calling me and my job Harassing me for payments for loan Violating the fair credit debt collection act And my privacy by telling my co workers My problems and non.stop calling my family in search of payments Totally Harassing me and I can prove on my.call logs over 50 calls less then a 30 day period unprofessional and unacceptable