davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

WellsFargo Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Wells Fargo Credit Card services via mail on XXXX XXXX informing them of an inaccurate account on my consumer credit report. The account is inaccurately being reported as a debt. The account number is XXXX. According to the credit reporting agencies the debt that was canceled has an amount of {$1300.00}. 

I informed them that they are violating my right to privacy and is in violation of 15 USC 6801, 15 USC 6802 ( a ) ( b ) ,15 USC 6083 and 15 US. Code 1681s2 by reporting my income which is inaccurately being reported as a debt on my consumer report. 

The company replied back asking for additional information to verify the account in question. I sent correspondence via mail on XXXX XXXX providing all the information that they asked for. They then replied with the exact same letter they sent the first time asking for the same information that I provided to them with the letter sent on XXXX XXXX. 

I contacted the credit bureau dispute resolution team via phone on XXXX XXXX and spoke with XXXX ( employee ID # XXXX ) and requested a copy of my XXXX form which would serve as proof that the charged off debt is not a debt but income. However she was unable to provide me with any information. I requested to speak with a manager or team lead and XXXX spoke with ( XXXX ) who stated that a XXXX form is only filed and given if a settlement for the debt was created. However this is a misrepresentation of information. According to XXXX XXXX XXXX - XXXX reporting for discharges of indebtedness by certain entities. 

I demand that this inaccurate information Account number XXXX in the amount of {$1300.00} date opened XXXX XXXX be removed from my consumer reports immediately as it a direct violation of 15 USC 6801, 15 USC 6802 ( a ) ( b ) ,15 USC 6083, and 15 US. Code 1681s2. 

In addition to the removal of this inaccurate information from my consumer credit report, I would like a settlement check in the amount of {$5000.00} in pursuant to 15 USC 1611. This law states Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I have put you on notice twice about the inaccurate information you are reporting leading to you willing and knowingly violating my rights as a natural person. I have provided both letters as an attachment to this complaint.
Consumer complaint received 2023-06-30
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. (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 corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00}.
Consumer complaint received 2023-03-01
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)

XXXX XXXX opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (GA)

CREDIT MANAGEMENT LP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$330.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2024 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-02-07
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. (MI)

my first attempt was on XXXX and the second attempt was on XXXX and the credit bureaus did nothing but say my information was verified. Several laws have been broken under the the FCRA, so with the proof I have provided by law these accounts need to be deleted immediately or I will be filing a law suit.
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I sold some tickets from XXXX  thru their website. A few days later I recieved a email saying the ticlkets were sold and XXXX would be deposited as soon as I went and put in my bank account information The next day 2 small deposits were made and I was asked to verify them which I did. When the money never arrived I went online to look up XXXX  customer service because no response to a email I sent ever came. When I called a XXXX gentlemen answered after a recording saying I was second in que played. He identified himself as a XXXX  employee. After explaining the issue he said the problem was XXXX  software was having issue because they had been scammed for XXXX and recently changed their procedure for verifying accounts. He asked me to go to XXXX  and download a app called XXXX XXXX. Once I did and opened the app he asked me to read him a code which I did. He then asked me to go into my chase acct and do a supposed dummy XXXX  deposit to a odd email address with name of XXXX XXXX. He assured me the money would never leave ( which it didnt right away it was listed as pending } About 3 hours later chase sent me a text reducing my balance by that amount. When I reported it to chase they said they were not responsible since I authorized the payment which I really didnt I only authorized what I thought was a verification hold But the bank makes no distinction
Consumer complaint received 2023-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY # XXXX, has violated my rights. 

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

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
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

My mortgage was transferred from XXXX XXXX to Mr. Cooper XX/XX/XXXX. 
MrCooper 's escrow analysis from XX/XX/XXXX provided me a check for a {$1400.00} surplus. I recognized this was in error because they had incomplete information from XXXX XXXX on Tax Payments. I called the company, with great difficulty getting through their automated phone services, and explained the mistake and asked if I should return the check or deposit it. They said it was Ok to deposit the check and they would do an updated Escrow analysis when they had complete information. If I then owed them I could send money back. 
XX/XX/XXXX the new Escrow analysis showed a short fall and I mailed them a check for the amount requested, {$420.00}. 
XX/XX/XXXX I noticed looking at my bank account that the {$1400.00} surplus escrow check I deposited XXXX/XXXX/XXXX had been reversed XX/XX/XXXX due to a stop payment. 
At no time did Mr Cooper communicate that the check they sent me would be stopped even though I proactively called them to discuss. The automated system hung up on me when it did not recognize " XXXX '', " Customer Service Rep '' or " Speak to a person ''. 
I understand errors happen, but canceling the check they sent me could have resulted in serious down stream effects with me bouncing checks. I have many accounts and the money might not have been in the right place since I thought I had funds. Very poor communication and disregard for the impact to their customer. This likely happened to many mortgage clients and they should have done a specific communication about the issue and options for how to correct the problem.
Consumer complaint received 2022-12-27
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)

CFPB + Experian, The companies below have many inaccuracies on my Experian credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Experian credit report for many blatant inaccuracies they refuse to fix.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (NY)

There is a fraud account on my credit ( Amsher collection ). I've contacted the company and informed them that this account doesn't belong to me. Its still continuing to report on my credit. Please remove this account as it is NOT MINE and I dont know who opened or used this account
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McKenzie Paul & Associates (TX)

Earlier this year, I visited a free-standing ER called XXXX XXXX XXXX XXXX XXXX I was told by the receptionist that as an uninsured patient, I would have to pay {$750.00} up-front to be seen. 

As I was having what I thought was a severe medical issue, I went ahead and put it on my credit card. The doctor ran a slew of tests, including a total body scan that I came to understand was unnecessary and then did an extra scan on my neck claiming there was a mass there. The neck scan seemed to be superfluous, as it happened as I was just about to be discharged. He also talked to me about another condition in my pelvis. I told him I already knew I had those because I had a procedure the year before when I was insured. Afterward, he said the thing in my neck was not a big deal. Again, I only came to make sure that another issue was not happening. 

On my XXXX, XX/XX/27, I woke to an email from a person named XXXX XXXX from a company claiming to do debt collection for the facility, XXXX XXXX XXXX. The email said they would be investigating business about me as to why I hadn't paid the debt. I emailed XXXX back telling them that XXXX ) I had never received any bills from XXXX so I don't know why they'd jump to a collections agency, XXXX ) the PDF he included did not account for the {$750.00} I paid, and XXXX ) that I need an itemized list of the charged because they are trying to charge me over {$25000.00}. 

XXXX 's response said that they will send a request for invoicing although the client claims to have sent me two bills to the address on file and that he would " proceed with his position " till '' that time. '' I never received any bills from them. I would have addressed a $ XXXX bill If I had. 

I requested he send the invoice to me through email so that I can ensure I get it and won't be at the mercy of the USPS. 

I then called XXXX and explained the situation. XXXX, the receptionist, transferred me to their " billing department. '' Even though I asked XXXX if it was the true billing department or this collections agency and he said it was their billing department, it was XXXX XXXX XXXX. I got a voicemail for lunch hours. I hung up. 

I went to the BBB and saw that XXXX has an F rating and never responded to any of the complaints filed against them. That's when I decided to file this complaint because if a " free-standing '' ER is running up tabs like this, does not send bills to their patients to even give them a chance to pay, and then won't even answer BBB complaints, I think I need the CFPB to look into the collection practices going on for a facility that offers medical treatment.
Consumer complaint received 2020-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019, I used the quick pay by XXXX using the Chase Mobile application, to send XXXX $ to my wife 's XXXX  XXXX XXXX account in order to pay for the mortgage ( this has been done every two weeks for 2-3 years ). On XX/XX/2019, XXXX XXXX XXXX indicated that the quick pay 'Failed '. We received a successful confirmation on Chase 's end but a failed confirmation on XXXX  XXXX XXXXXXXX XXXX side. You would believe that since the payment failed to be received by XXXX XXXX XXXX, the money would be refunded by Chase, this is not the case. After multiple calls and a claim being opened by Chase, I've been told they should of received a payment failed but they did no, instead the money has left my Chase account and is currently in 'Limbo ' status.
Consumer complaint received 2020-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Associates, Ltd. (FL)

COLLECTION ASSOCIATES LT IS REPORTING THAT I OWE XXXX  XXXX XXXX {$970.00} THIS WAS PAID IN FULL THE DAY OF THE XXXX  TO THE XXXX  CENTER HAVE SENT THEM THE CHECK PROVEN THIS WAS PAID BUT THEY HAVE NOT REMOVED FROM MY CREDIT REPORTS. I ALSO LOST MY XXXX XXXX IN THAT XXXX  DUE TO THE XXXX
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I want them to correct and remove the error from my credit report. 


I contacted XXXX XXXX XXXX regarding portfolio recovery I was in communication with portfolio recovery through the XXXX and he stopped communicating with me. 
I am contacting you as a means to resolve this unfair practice its just unfair. 
XXXX XXXX
Consumer complaint received 2022-12-27
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: Aldous & Associates, PLLC (FL)

I was notified from this company to send in my proof of identity theft to this address XXXX XXXX XXXX XXXX, UT XXXX. 

I have done so twice as well as waited the required amount of time by law. 

This company fails to investigate my alleged debt as well as notifying me of any investigation information or results. They continue to fail to provide any proof of ownership for their allegedly debt against me. 

Documenting all this information for further litigation.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was notified from this company to send in my proof of identity theft to this address XXXX XXXX XXXX XXXX, UT XXXX. 

I have done so twice as well as waited the required amount of time by law. 

This company fails to investigate my alleged debt as well as notifying me of any investigation information or results. They continue to fail to provide any proof of ownership for their allegedly debt against me. 

Documenting all this information for further litigation.
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (CA)

Mercedes Benz Financial services is now charging a convenience fee just to accept your payment. They now force you to a third party site and that site charges a XXXX convenience fee. Ive tried to call and they charge a convenience fee to call in and pay. This is usury on every level. This in addition to your interest rate. This was never disclosed on any document and is a trick on consumers.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM IN NEED OF RECEIVING AND REPORTING SUSPECTED FRAUD OR MISUSE OR ABUSE OF AND THEFT OF MY SON 'S SOCIAL SECURITY NUMBER AND THUS, CREDIT STATUS. 

THE SOCIAL SECURITY CARD WAS STOLEN XX/XX/2012. 

MY SON IS XXXX YEARS OLD AND HIS BIOLOGICAL FATHER WAS LAST IN THE ROOM WHERE THE VITAL RECORDS AND MY WALLET ( INCLUDING MY SON 'S SOCIAL SECURITY CARD ) HAD BEEN PHYSICALLY PUT AWAY ON MY DESK AND IN BACKPACK ... .WHILE FATHER VISITED WITH MY SON ALONE AS A COURTESY FROM ME AND OUR VISITATION ORDERS AFTER FIVE + HOURS, THE WALLET AND RECORDS WERE NO LONGER LOCATED. 

I WAS LED TO BELIEVE I HAD GIVEN FATHER COPIES OF RECORDS, ETC, HOWEVER, I WAS NOT GOING TO ARGUE OR BRING UP THEFT DUE TO XXXX POTENTIAL. 

WITH FULL TIME WORKING AND PART TIME SCHOOLING I SOUGHT AND OBTAINED REPLACEMENT CARDS AND RECORDS WITH THESE REPLACEMENTS BEING INCORRECT NAMES FOR MY SON AND I BOTH. 

I AM CURRENTLY AS OF TODAY REPLACING MY SONS AND MINE SOCIAL SECURITY CARDS AND REPORTING PASSPORT STOLEN. I AM NOT POLICE REPORTING AS I HAVE EXHAUSTED MY TIME AT POLICE STATION WITH REPORTS OF ABUSE, XXXX XXXX, AND HAVE EXHAUSTED LAWYER CASE MANAGED COURT CUSTODY HEARINGS IN XXXX COUNTY TEXAS FOR AND AWARDED WITH SOLE CUSTODY OF MY SON. 

XXXX XXXX HAS RECORD OF THEFT AND XXXX AND XXXX XXXX. 
HAS BEEN KNOWN TO HARASS ME WITH PHONE CALLS, THUS, I SEEK A SIMPLE EASY SOLUTION INTO OBTAINING A REPORT FOR MY SON 'S CREDIT
Consumer complaint received 2020-01-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-04-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (FL)

My XXXX savings account was debited for {$6000.00} by Goldman Sachs Collection. I have never had any products or services provided by said company. I reached out to my bank who stated that there had to be an investigation conducted. I contacted Goldman Sachs to see if there was a fraudulent account opened in my name or to see if they can assist with removing my banking information off of their system. I was greeted with an unprofessional associate with no introduction just a hello. I informed the associate that they were hard to hear to which they moved their headset closer and said can you hear me know. I informed them that I was calling because there was a fraudulent charges debited from my account by Goldman Sachs. I was told they need to tracer number and if one couldnt be provided they couldnt assist me. No one asked for my name or any identifying information to help resolve the matter ; regurgitated Reg XXXX dispute process and I need to contact the bank. If she would have bothered to ask any follow up questions she would be aware that I started with them first. For Goldman Sachs to be a highly revered firm its shame I have to report them. Their terrible customer service and lack of accountability for fraudulent activity shows they have no regard for consumer information protection and they should be investigated.
Consumer complaint received 2020-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I received notice from XXXX XXXX that I still had an outstanding medical balance, so I sent a check for the full outstanding amount on XX/XX/2019. 
On XX/XX/2019, the amount of the check was taken out of my checking account. 
On XX/XX/2019, Credit Collection Services USA generated a letter saying that my account had been sent to collections. The outstanding debt they listed was the same as that which had been taken out of my account 7 days prior.