davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

I reached out to this company to dispute this alleged debt. Over two months ago and STILL HAVEN'T received a response. Although I did notice they signed for it because it was sent through USPS Post Office certified mail. They have placed a debt as a charge off on my credit and are using deceptive business practices because they're ignoring my dispute! I disputed this account under Section 809.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, 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. (MN)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

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.
Consumer complaint received 2024-03-08
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This involves the massive XXXX Security breach. I froze my XXXX report and had no charge for doing so. However, XXXX and Transunion demand fees before freezing my credit report. 
Since this breach was caused by XXXX, I do n't believe that I should have to pay for the XXXX and Transunion freezes.
Consumer complaint received 2021-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (PA)

DEBT RECOVERY SOLUTIONS LLC at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX, has been sending me collection notices in the amount of {$330.00} {$420.00} and {$1300.00}. The collection has been reported as past due balance. I do not know this company I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2023-06-19
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: OPTUM BANK, INC. (TN)

In XX/XX/XXXX I closed my HSA account with Optum Financial. I received a check, in the amount of {$3500.00} on XX/XX/XXXX. I tried to cash my check and it was declined. I called Optum Financial on XX/XX/XXXX to tell them I could not cash my check. They said they could reissue me a replacement check. On XX/XX/XXXX I received a replacement check. Check number XXXX. I tried to cash the replacement check and it was also declined. I reached out to Optum Financial customer service again and they informed me that the first check, check number XXXX had been cashed. Which was news to me because I did not cash the check. I would like to. I have since opened 10 cases with Optum Financial regarding my check. I have reached out to XXXX XXXX the president of Optum Financial Bank. I was corresponding with XXXX XXXX via email. I have completed and returned 2 forged check affidavits one in XXXX of XXXX and another XX/XX/XXXX. I have contacted XXXX XXXX via email to see when I can expect a check or to get a status update on my check and he will not reply to my emails.
Consumer complaint received 2023-02-15
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Account was closed on XX/XX/23 with a remaining balance of {$340.00} part of this balance is my direct deposit from my job. They told me it was mailed out to me. Then I called a month later and they said they never said that and refuse to pay me my money.
Consumer complaint received 2023-06-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Billing & Collection (IL)

This company has non stopped called me for the past year and a half. They have left several voicemails and have been told to stop contacting me. They do not listen, this is another exhausting attempt to get these people to leave me alone they have been warned, not once not twice, but SEVERAL times.
Consumer complaint received 2024-03-08
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

A hospital in XXXX NY ( XXXX ) was trying to collect on a bill that was already paid. I never received a bill for {$280.00} from the hospital itself but was notified by a debt collector.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

Thank you very much for removing the late fees I really do appreciate that but when I called to pay the balance off your supervisor/agent told me to leave the {$150.00} because that was the late fees that was not yet deducted yet so I left it and now I have been charged interest on it. Im not for sure what is going on because he told me it was the late fees and they will be coming off so I didnt have to pay that portion. Can you please fix this for me because obviously he didnt know what he was talking about because I would of paid that when I paid the balance off. Thank you very much for your time. Have a wonderful day and please be safe.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (FL)

Dear Customer Financial Protection Bureau I am writing to file a formal complaint against Wise Payments Limited regarding the unjust closure of my account without providing any valid reason or justification. I am seeking assistance and intervention from the Customer Financial Protection Bureau in resolving this matter. 

On XX/XX/2023, I attempted to log into the Wise Payments Limited platform and was met with a notification stating that my account had been deactivated. To my dismay, the notification did not provide any explanation as to why this action was taken, leaving me in a state of confusion and frustration. Furthermore, it stated that I could file an appeal, but the system prevented me from submitting any information or details for the appeal process. 

As a loyal customer of Wise Payments Limited, I have always adhered to the terms and conditions outlined in the agreement. I have consistently utilized their services responsibly and have never engaged in any activities that violate their policies. Therefore, I find it unjust and unreasonable that my account was closed abruptly without any notice, explanation, or opportunity to address any concerns that may have led to this decision.

The lack of transparency and communication from Wise Payments Limited has resulted in significant inconvenience and potential financial loss for me. Without access to my account, I am unable to use my funds. This situation has caused immense stress and uncertainty regarding the status of my account and the funds associated with it. 

I have made numerous attempts to contact Wise Payments Limited to seek clarification and resolution, but all my efforts have been met with automated responses or non-responsive customer service representatives. Despite my persistent inquiries, I have yet to receive any substantive information or a satisfactory explanation for the closure of my account. 

I believe that Wise Payments Limited has violated my rights as a consumer by closing my account without providing a legitimate cause, denying me the opportunity to appeal, and failing to respond to my subsequent inquiries. Such actions not only disregard consumer protection regulations but also demonstrate a lack of professionalism and fair business practices. 


Yours sincerely, XXXX XXXX
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

this is my 3rd letter to the CRA 'S XXXX XX/XX/XXXX, EQUIFAX, AND XX/XX/XXXX about inaccurate and incomplete accounts they are reporting on my credit report that is old or unverified. I submitted the letters on the XXXX of XXXX and has not gotten any response in this matter.this is stressful to the max by not being able to get any help in this matter.i have copies of my complaints below.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (PA)

This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.
Consumer complaint received 2024-03-08
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-06-17
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. (FL)

This is not my account XXXX XXXX number XXXX balance {$4300.00} Accorcing to 15 USC 1681b Permissible purpose I did not authorize anyone to report this info to my report. To continue to report this is identity theft.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (UT)

I have asked for my credit report for all XXXX credit bureaus and they can't verify my identity or can't or won't send me a copy of my credit reports for some reason. I've also asked for a credit report for my daughter and they tell me that they can't get one, and also I've tried to report my ex husband XXXX since XX/XX/2021, but they tell me that I can't report him as XXXX and I'm not sure as to why because I'm his ex wife and he has been XXXX since XX/XX/2021.
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (ME)

On XXXX/XXXX/2017 I was contacted by XXXX XXXX of XXXX XXXX, " a government funded program to help students through loan forgiveness. '' She told me that I might be eligible for 100 % loan forgiveness and that I should complete an application to see. After completing the application she told me that I qualified for {$0.00} payments 240/mo if I accepted this management fee of $ XXXX/mo for 36 months for them to handle the docs and applications. So the hook was saying " would you rather pay -- $ XXXX/mo for 36 months to have $ XXXX/mo payments through the remainder of your 240/mo term -- or pay your current payment of 90/mo for the remainder of your 240/mo term? '' to me it seemed like a no brainer so I went through the process and signed papers to have them handle the refinance.
What I am realizing now is that I could have done this process myself for free by just calling Navient. I am angered and frustrated that a company can target and swindle student loan holders who, like me, are young, hardworking, and just trying to do whats best for themselves and their future. Even if the fine print covers Equitable Acceptance legally which I WILL have a professional to look into ... it is unethical to mislead the consumer into thinking they are taking an option that is n't offered anywhere else, nonetheless for free and is a blind robbery of people who do n't have money to spare in the first place!
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frost-Arnett Company (MS)

In XXXX of XXXX I received a bill from XXXX in addressed to XXXX XXXX in the amount of {$1300.00}. I went directly to the XXXX store and they pulled up all my info and said the account was made online. I went right then and filed a stolen identity police report. I took report back to XXXX. In XXXX of XXXX I received a letter from Frost-Arnett Company say they were a debt collector and was attempting to collect a debt for XXXX. I sent them a letter with the police report attached. In XXXX of XXXX I received another letter saying I was still being held responsible for the XXXX bill.
Consumer complaint received 2023-06-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXXXXXX XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXXXXXX XXXX  - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2024-03-08
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. (PA)

While XXXX and XXXX XXXX XXXX was on cease and desist XX/XX/2022 they continued to add reports on my profile and they have sold and charged off the debt with a balance and have not sent me a 1099c. I also discovered a major discrepancy in the sale price of the vehicle sold to me, where there are 3 different purchase prices on my paperwork and paperwork reported to the DMV. This Vehicle was Repossessed and resold. 
I have sent them 2 notarized notices and affidavits and plan to file an additional complaint with the DMV.
Consumer complaint received 2023-06-04
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. (OH)

the creditor must report the canceled amount or settled debt to the IRS using the Form 1099-C cancellation of debt I didnt receive a 1099 Form XXXXXXXX XXXX XXXX XXXXXXXX Closed XX/XX/XXXX XXXX XXXX XXXX