davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (PA)

I am a med school student and I use a Wise account to pay my tutor. Last week, my payment to my tutor was frozen because my bank stopped it because of a mistaken fraud alert. Since then, my Wise account has been frozen because Wise wants to payment for this transfer which is understandable, but they only accept this payment via wire transfer. I have already talked to my bank to resolve the suspected fraud issue, and Wise is able to retry the transaction from their end. Unfortunately, Wise refuses to retry this transaction and is insisting on a wire transfer ( which is {$30.00} from my bank, which is very expensive me ). Wise is also threatening legal action if I do not do the wire transfer which is expensive for me.
Consumer complaint received 2024-03-18
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. (AZ)

I hereby notify you that I am a victim of identity theft and wish to dispute certain items in my file stemming from this crime. The disputed items are not associated with any transactions for which I have provided authorization or obtained goods, services, or money. I request the removal of any reported items in my credit file attributed to alleged identity theft. These items are unfamiliar to me, and I question their accuracy, especially considering their deletion from other bureaus. Moreover, the reported payment history on these items is inexplicable to me. Per FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, the following items are subject to dispute 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 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 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (AL)

15 U.S. Code 1681 A Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from XXXX XXXX not later then XXXX business days after the date of receipt. 

It has been XXXX  days and you are in violation of the law because I am a victim of XXXX XXXX! 1 Please delete these items 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
Consumer complaint received 2024-03-18
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. (FL)

Please DELETE the listed unauthorized Inquiries below. I already included them in my previous letters request to remove these inquiries, however until now they still reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2023-11-21
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. (FL)

They have not provided resolutions to my concerns, so I needed to reach out to them again to obtain a fair and impartial result. I'm already tired of going back and forth to these credit bureaus for almost a year now and no resolution has been provided.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2024-03-18
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. (MI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-03-18
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. (TX)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (CA)

I got an email on XX/XX/scrub>XX/XX/24 saying I applied for a JetBlue credit card and that I was approved. I got another email saying the will send me my card in the mail, and the last email I got was saying thank you for going paperless. I never applied for a JetBlue credit card.
Consumer complaint received 2024-03-18
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please amend or rectify the following accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and removed from my credit file. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

Received a debt collection from Credit Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiring a payment owed by me from XXXX XXXX XXXX provider. The account number provided by the CCS was fraudulent, verified by current account statements & service provider collaboration at that time. Several months later, I closed all my accounts related to XXXX XXXX will all balances paid off, including all 2+ years worth of statements being fully paid each month. CCS refused to offer any additional assistance to mediate this matter but instead reported my account as a result of derogatory to all three credit bureau agencies.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (MD)

Someone tried to get a prepaid credit card in my name. 
Netspend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX I did not apply for a credit card or prepaid card.
Consumer complaint received 2024-03-18
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. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-08-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TX)

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX XXXX {$2900.00}.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. ()

I have been a Mercury XXXX user for the past three years. Recently, my account was accessed by an unauthorized user, likely a hacker. When I reported this issue to the Mercury team, they blocked my account and mistakenly sent a {$14000.00} check to the hacker 's address. Despite providing all the necessary proof, including video evidence of my passport, personal ID, registered business address, primary XXXX account associated with my bank account, and LLC documents, I have received no response from the team for a week. I am worried that the unauthorized user might withdraw the {$14000.00}. Fortunately, they have not done so yet. However, due to their lack of response, I am at risk of losing my {$14000.00}. It's acceptable if they want to close my account, but they should at least send the funds to my correct address after verifying my documents.
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I signed up for Income Driven Repayment in XX/XX/XXXX. At the time I was told that my repayment term would be 122 months by XXXX  XXXX XXXX, my loan servicer. This information was confirmed online via my account. The repayment terms showed as 122 months when I viewed my loan details online. 

I submitted the recertification form on XX/XX/XXXX. When I logged into my account online I became alarmed when I saw that the repayment term was still listed at 122 months. 

I called into the customer service and spoke to XXXX ( employee ID number XXXX ). She explained that the information on my online account was incorrect and was incorrect for any person signed up for income based repayment. My repayment term is actually 300 months. I asked why their phone system directed me to view my account online for my loan details when they weren't correct. She did not have an answer. 

I am glad I caught this mistake because I was looking at paying over an extra {$92000.00} in interest if I stayed on this payment plan. The standard 10 payment plan payment is only {$8.00} more every month. 

I believe that the misinformation provided by XXXX XXXXXXXX XXXX is willful and on a wide scale. I believe that they should be accountable to provide accurate information about the repayment term to account holders in their online account since they encourage the use of the online account in order to obtain information.
Consumer complaint received 2024-03-18
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. (GA)

Inquiry and close accounts and collections are not mines theses companies needs to start let others ppls use there names to put things in peoples names because of they desperate for money so I needs all of this to be removed and disputed off my report immediately Under all 3 credit bureau from XXXX  to Experian to 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 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 2024-03-18
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MO)

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Missouri XXXX took a loan out with Rocket Mortgage one of our First notice date : XX/XX/2022 Loan number XXXX Property address Mine XXXX XXXX XXXX XXXX XXXX Missouri XXXX from Rocket Mortgage XXXX XXXX XXXX XXXX Michigan XXXX Rocket Mortgage phone number XXXX XXXX XXXX was the representative I have spoke with multiple times! I made a XXXX  payment from one of my XXXX XXXX  accounts and I was gave confirmation number XXXX because it went through! I WAS gave confirmation number XXXX when I made a XXXX Dollar and a XXXX from my XXXX XXXX account ending in XXXX and XXXX! I was told by Rocket Mortgage to keep my payments under XXXX to keep IRS out of it! I was gave confirmation number XXXX when I used my XXXX XXXX account ending in XXXX! I made a XXXX dollar payment with my account ending in XXXX! I made a payment with an XXXXXXXX XXXX account! XXXX XXXX accounts! All good! Then we get a letter from Rocket Mortgage Notice date XX/XX/2022 and our loan number is XXXX! NOTIFICATIONS about Mortgage ID XXXX! We received notice XX/XX/2022 no payment made! Default! NO PAYMENTS MADE! ON WHICH LOAN? WHEN ROCKET MORTGAGE FIRST STARTED CALLING US THEY ASKED ABOUT XXXX XXXX LOAN ON A DOUBLE WIDE IN MINNESOTA OR MICHIGAN! I PUT PAYMENTS TOWARDS INTEREST, PRINCIPAL, XXXX PAYMENTS, XXXX PAYMENTS, PAID! THEY WILL NOT SPEAK TO ME XXXX XXXX XXXX XXXX AND I AM ON THE LOAN!
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

From a year till now I had reported to the mortgage company and its insurance company to relive or endorse the check they are holding funds, which cause on repairs from my own pocket. The bathroom had to be repaired thos week due extensive damage to the structure. I tried to fax them the contractor estimate but they denied to accept it. I'm now short of XXXX dollars for the mortgage since the delay of funds that the company and insurance is holding up. I am late this month for the mortgage payment because of this situation.
Consumer complaint received 2023-10-11
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. (SC)

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 2018-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service Center, Inc. (DE)

I have been disputing a medical bill that was paid. I wrote to the Collection Service Center on XX/XX/2018 and XX/XX/2018 after prior correspondence with the medical service, XXXX XXXX XXXX. 

On XX/XX/2018, I was billed by XXXX/XXXX  for dates of service : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/2018 in the amount of {$150.00} which I paid on my VISA card number XXXX XXXX XXXX XXXX, which was charged to my account on XX/XX/2018. See the attached proofs showing the bill, the payment and charge to my debit account. 

Therefore my account was paid up to XX/XX/2018. The bills from XXXX/XXXX never show this payment as a credit towards the account. 

I had additional treatments on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/2018. That is 6 sessions at {$77.00} leaving a balance of {$460.00} due. I authorized payment on my card for this amount, and showed proof of the second charge to my HSA account for this amount. This has since been paid, therefore, no further payment is due. 

The medical service billed me again for the dates of service XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/2018 after I paid them on the original bill they sent me. 

The collection service responded to me on XX/XX/2018 with a copy of a ledger that shows my treatments and a patient balance of XXXX. The ledger has a sub-ledger on the last page showing I owe {$530.00} which I continue to dispute. I have contended the ledger they send me is contradictory and makes no sense given the billing I received and paid. 

The collection service is proceeding forward against me for an account that was paid.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023 and XX/XX/2023 both times I sent them a copy of my drivers license and social security card to update my name to my current name XXXX XXXX XXXX. Every time I send them something they continue to change my name back to XXXX XXXX XXXX. I have sent this to them 3 times ( 1 ) last year. I called the other day and spoke to someone named XXXX he claimed they had no such record.