davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NC)

COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying. It may have even already been paid by the Responsible Party involved.

My name should NOT be involved regardless.

The Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.

Now, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this.

This Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply. 
Therefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. 
BACKGROUND : I suffered a severe fall with permanently disabling injuries ( including an amputation ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. 
The XXXX  involved & their Insurance Company were LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of their Settlement to Avoid Lawsuit. 
All the Bills were Submitted to the XXXX & its Insurer, by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer. Why these were not credited paid or attached to me since I am NOT THE LEGALLY RESPONSIBLE PARTY is clearly incorrect. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of this Letter.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (GA)

I have not been able to access my account at Ally Bank for the past 5 days. 
Their customer service phone numbers do not work. 
For the past 5 days, the site Ally, com loads but the links are dead. The page then disappears. A message says Something has gone wrong. 
Their customer service phone number ( XXXX XXXX ) connects to a high pressure medical device company. 
Their Report Fraud number ( XXXX XXXX ) does not connect at all. 
Can you help?
Consumer complaint received 2022-11-04
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)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

Dear CFPB, I have submitted a complaint in regards to my American Express Business credit card being closed by the bank on XX/XX/XXXX. On XX/XX/XXXX I found out that the bank closed my personal Credit Card account as well. I expressed my dissatisfaction as a customer for the course of actions taken by American Express Bank. I asked them how it was possible that they closed both of the accounts specially my personal credit card without any mail or email notification as they normally do when there are changes related to the account. The rep stated that no emails were sent but supposedly, a letter was mailed to me which I, have not received or read stating that the account was closed.I asked to speak with a supervisor to express my frustration and concerns about the bank closing my account. I openly expressed my discrimination concerns, after updating my bank account information for Auto-Pay, they still closed my account, even though I demonstrated my intensions to pay off both of the accounts. I honestly feel discriminated as a a XXXX Male for them profiling on my accounts. At this moment my credit is score is higher than the score and had a the time when my accounts were approved. I haven't experience this problem with any of my creditors in the past. These two closed account will impact my credibility with the credit agencies and drop my scores drastically. Is not fair for me as a customer to be put on this position as I take my credit and reputation very serious, plus we are in a middle of a pandemic with limited resources it take much more efforts to recover from this type of life events. 
I want CFPB to assist with this matter and explore the possibilities of having both of my account reinstated. Please let me know if you need additional information from me to assist me with the case. Thank you in advance for your assistance. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (MI)

I am trying to withdraw cash from my Discover Bank personal checking account. After I withdrew {$300.00} from my account, I tried to withdraw another {$300.00} on the same day, and the transaction was declined. 

In the Deposit Account Agreement for this account effective XXXX ( XXXX XXXX XXXXXXXXdiscover.XXXX ), section 13 ( d ), Discover states that the daily withdrawal limit is {$2000.00} per day. 

When I contacted Discover about this issue, they referred me to the same section of the Deposit Account Agreement, but they said the limit was {$510.00} per day. When I pointed out the discrepancy, they told me they had adjusted the limit from the value in the Deposit Account Agreement.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted request to Experian regarding removing the below inaccurate items from my credit report. To date I have not received a response 1. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
Texas XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
US SM BUS ADMIN ODA XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following inquires are fraudulent and unknown to me, please remove. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 )  XXXX XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX   XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 )  XXXX XXXX ( XXXX ) 15 ) XXXX XXXX XXXX ( XXXX ) 16 ) XXXX XXXX XXXX  XXXX ( XXXX )
Consumer complaint received 2024-03-04
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. (MA)

I hope this message finds you well. I am writing rhis complaint regarding the delayed correction of late open accounts with your company. 

I have yet to receive any updates or resolutions regarding the status of my account opening requests. Given the urgency of this matter and the impact it has on my ability to access and utilize your services, I am reaching out once again to request immediate action. 

The prolonged delay in correcting these late open accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. As a valued customer, I expected a more efficient and responsive resolution to this issue. 

I kindly request that you prioritize the review and processing of my account opening requests to ensure their timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this matter.

Please be advised that the continued delay in addressing this issue may compel me to seek alternative service providers. I trust that you understand the importance of resolving this matter promptly and will take immediate action to rectify the situation. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00}.
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (CA)

I have a hard inquiry from XXXX XXXX showing on my Equifax credit report that was from an account opened via identity theft. The account has been closed and taken off of my credit report by all 3 bureaus, yet Equifax has not removed the hard inquiry from this XXXX credit card that is still showing on my report. I already submitted all of the documents asked for by Equifax via mail in order for them to complete the blocking of accounts that were a result of identity theft. They removed the account but not the hard inquiry. Please have this item removed, as you can clearly see that I did not contract with XXXX and I do not consent to this information being shown on my account.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Equifax REFUSES to remove inaccurate information on bankruptcy. This item is still being reported incorrectly and is extremely detrimental to me. Also Equifax is the ONLY credit bureau that is reporting this inaccurate information that they can verify through the courts. 
This has caused me emotional and financial hardship because XXXX does not want to act in accordance with the Fair Credit Reporting Act, XXXX XXXX. 
I have requested that the inaccurate information of : Chapter XXXX XXXX be verified by including : 1. Names of individuals you contacted for verification 2. Their addresses 3. Phone number I need to have this certification so that I can check it as well. If Equifax can not furnish those items requested then they must remove them according to the law.
Consumer complaint received 2021-11-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have an account on my credit report that is reporting incorrect information that has been withholding me from seeking new lines of credit. I have indeed disputed this account with XXXX on multiple occasions such as XX/XX/2021 & XX/XX/2021 amongst other dates. The account is from XXXX XXXX and the payment history reporting is indeed incorrect on this account along with an incorrect balance. Since I've sent the dispute letters on XX/XX/2021 & XX/XX/2021, I did not receive a response from XXXX within 30 days as required by law. According to federal credit laws that are stated in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they indeed do not respond within this time frame, they must remove the negative listing disputed. Attached below are the certified mail certificates showing proof of my disputes. I have tried relentlessly to remove and correct these erroneous accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act the following account have violated my rights. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (LA)

XXXX XXXX XXXX opened a Pay Pal account with phone number XXXX at XXXX XXXX XXXX XXXX GA XXXX. She opened the account with my name, date of birth and social security number. Pay Pal won't give me the proceeds from the account.
Consumer complaint received 2022-07-23
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. (NY)

I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The credit bureaus refuse or fail to delete inaccurate personal information from my credit file. They are reporting a previous address or contact information belonging to my ex-spouse and is an address where I never lived, resided, or even walked inside.
Consumer complaint received 2022-07-23
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. (TX)

I submitted request to Equifax regarding removing the below inaccurate items from my credit report. 
This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found fraudulent, unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This I C SYSTEM account with a balance of {$70.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Received a debit card for a newly opened checking account, Ive never opened this account. Contacted the bank to verify why I was receiving this and was transferred to the fraud department because the account overdrawn. The account was opened online with my personal information and wire deposits and withdrawals were in two other peoples names. 

Additionally received notification from XXXX XXXX XXXX XXXX XXXX informing me of a ransomeware attack on a medical laboratory where I use there services frequently. The letter states the attack accused my first and last name, address, accounts receivable balance, payment information, and social security number.
Consumer complaint received 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

I canceled my account with XXXX. I then paid off the equipment and made an arrangement to make monthly payments to pay off contract. Auto pay was setup and everything was going fine.. For some reason, there was an error on XXXX behalf that didn't take out XXXX & XXXX payments XXXX XXXX so they added me to collections which dropped my XXXX XXXX XXXX points.. After spending several hours on the phone been transferred all over the place they admitted it was an error on their part.. Yet, I was not removed from collections. A few weeks ago, end of XXXX, first week of XXXX, I called to try and resolve this because both XXXX and the collections agency both took payments out of my bank account..So, XXXX, of XXXX, suggested Reactivating my account with XXXX and that would remove me from collections.XXXX However, after Reactivating, XXXX did not contact Collections to remove them from my credit report.. I disputed and they still did not remove my collection.. I have been lied to, manipulated into reactivating my account with XXXX for nothing..Now, I face having to pay both ADT and collections to keep my credit safe! I am strongly considering filing a lawsuit and pursuing legal action. My name is XXXX XXXX