davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

We get a call from Medical Data Systems at least once every 2 weeks about a debt that we do not owe under my husband 's name. I have tried blocking the number but it still gets through. I am afraid to answer my phone as I have heard that these people will record your voice and use it for nefarious purposes.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXBalance : {$840.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX Balance : {$5500.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.
Consumer complaint received 2022-07-24
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)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

My XXXX payments were stolen when my direct deposit form was altered by a XXXX employee ( XXXX is the XXXX  XXXX for WellsFargo ) and the money was sent to a fraudsters account at Wells Fargo. XXXX XXXX and Wells Fargo would not listen to me for almost 2 years. I made XXXX calls and multiple emails to various employees there. I provided my bank statements over and over as proof that I didnt receive the payments and they totally ignored me. In the meantime they were sending me threateningly collection letters for overpayments that I never received. Finally, they looked at the direct deposit form and the voided check which were obviously altered with fraudulent routing and account numbers that werent mine. All my XXXX checks went into the fraudsters account which was opened using my name. I also asked for the documents used to open the account at Wells Fargo, ID, application form, etc. They keep saying they will escalate request and send me the documents but then dont send to me. 

I need them to reconcile the money they owe me and they are dragging their feet. 

I can provide all documents needed to support my assertions. Just let me know what you need. 

I do not get calls or emails returned from my case manager, XXXX XXXX. The Appeals Consultant referred me to the Financial Recovery Manager and she forwarded my email concerning the fraud on my account. Wells Fargo has been totally unresponsive, too. 

I want the benefits that were stolen from me XX/XX/XXXX thru ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, AZ XXXX Email : XXXX XXXX
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (PA)

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 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 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Good afternoon, I have already solved my problem, but I need to alert you of improper marketing and misleading website by Experian. 
I had to unfreeze my credit reports recently and two things Experian did were shady : 1- Their web interface for " scheduling a temporary thaw '' of the report did not work. The frames for picking a calendar date did not load, and so I had to simply unfreeze the report wholesale for a few hours. 
2- Upon returning to their website to re-freeze the report, I could not find the right button to re-freeze my report. They do not have the freeze/unfreeze tool easily accessible on the website through the main account workflow. They MUST be required to have this, as it is required by law, but instead it required searching on 3rd party websites to find their freeze/unfreeze section which I had to sign in separately for. 
Instead, they tried to up-sell me on paid products called " credit lock '' which appear to impersonate the credit freeze. 

I am astounded that this level of shady behavior is allowed by a major credit reporting company over which you are supposed to have jurisdiction. I am a XXXX XXXX professional with a XXXX XXXX, and it took me over half an hour to figure out how to avoid paying hundreds of dollars/year for a " credit lock '' instead of the " credit freeze '' that I am entitled to by law. This simply can not be allowed. 

Please do not let them get away with the scam, take care, -XXXX
Consumer complaint received 2022-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (MI)

My student loans were serviced by ACS from XX/XX/XXXX to XX/XX/XXXX. The loan amortization schedule I have from those dates is Wrong and most likely criminal. Also in XXXX while I was XXXX  for my first child I was struggling to pay my loans. I was told at the time, that forbearance was my best option. Looking back this was a huge mistake. They carried this capitalized interest from the forbearance for XXXX XXXX years, which added {$10000.00} dollars to my student loans. I requested paper copies of the loan amortization schedule and received a few lines of useless information followed by mostly blacked out bars of missing information. It seems they were covering up for a huge fraud with incorrect interest application, or my student loans were somehow part of project blue book. I found some paperwork in my old files and went through the schedule and have found some incorrect, frankly predatory payment allocations. The principal of the loan was never being paid, only the interest for 7 years. The balance never went down it only went UP!
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

For your consideration, All three credit bureaus have addresses along with dates of residence listed on my credit reports. Some of this information is incorrect and inaccurate, but what is more because my change of addresses have been numerous over time this could place me in a vulnerable position in applying for future credit. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves the use of XXXX algorithms which may filter according to numbers of changes of address -- a type of stigma and discrimination on the part of lenders.

To protect my right to privacy from these and other unethical forms of practice at large which are in the process of being greater regulated please remove from all of my credit reports mention of previous addresses in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Consumer complaint received 2024-02-03
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: French Financial, Inc. (TX)

THIS HAS BEEN ON MY CREDIT REPORT SINCE XX/XX/2016 AND IT SHOULD HAVE BEEN REMOVED FROM MY CREDIT REPORT I WOULD LIKE FOR THIS TO BE REMOVED PLEASE IT HAS BEEN YEARS
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I have been a JP Morgan Chase Bank customer for almost 10 years and have Private Client status. On XX/XX/XXXX, a Saturday, I was checking my online account information and discovered that Chase had closed all 4 of my credit cards. I accessed the notes/statements section of my account and there was nothing there to tell me why this had happened. I went to my local Chase branch and the manager tried to help me. She called someone in Chase and was told the organizational component that closed the account was closed until Monday. This left me with an entire weekend of being frustrated. After 4 hours of phone calls on Monday and being passed around to various Chase staffers nobody could tell me what happened. On Thursday, XX/XX/XXXX, I finally received 4 letters for each of the accounts closed. Each letter stated the accounts were closed because of " Number of Credit Card Accounts '' and " Account Not Used as Intended. The letter want on to say this decision was based on negative information in my XXXX  report. I called XXXX  and they said everything was fine. My credit score was XXXX. I know credit cards are a privilege and not a right, and Chase did not have to provide prior notice of closure. However, they lied about XXXX  info and never did tell me why all 4 credit cards were closed. The only specific statement they made was one credit card had too many authorized users. Chase could not cite a specific rule or regulation I violated. This was an arbitrary and capricious treatment of a long time customer who had always paid his credit card bills on time and had several repaid loans with Chase. I used to work for XXXX ... even XXXX gives advance notice of bad news to a taxpayer. The bank 's right to cancel credit cards without notice is a blatant abuse of authority in my case. I was never warned there was an issue with adding authorized users.
Consumer complaint received 2024-02-07
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. (NY)

My name is XXXX XXXX I received a copy of my consumer report and Ive noticed fraudulent account/inquiries. FTC definition states that " Identity fraud is when someone uses your personal or financial information without your permission ''. with that being said I have no knowledge of this inquiry and XXXX shall delete it. I did not give XXXX written consent to furnish my consumer report pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' once you receive this FTC report pursuant to 15 USC 1681 c-2 you shall delete it in 4 business days if not you would be in direct violation with the FCRA, knowingly continuing to use my information without my authority is another violation pursuant to 18 USC 1028a which is aggravated identity theft.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I'm XXXX yr old rXXXX XXXX  and my husband is XXXX yrs old, retired and depend on his social security pension.We both have a credit card together with bank of America since XXXX.Then last XX/XX/22 he had a call from Bank of America saying that our credit was cancelled and he went on line and saw that our credit card was not cancelled instead was charged with {$9800.00} to an XXXX  XXXX CA and another charge of same outfit same hour, same day of $ XXXX.So my husband called Bank of America but not able to get hold of them immediately so same hour we went to Bank of America branch in XXXX XXXX TX to ask for their advice. All they could help us was, using their phone was to dial Bank of America fraud division and waited for someone to answer and after 27 minutes we talked to someone and told them the fraud charges done to our credit card and told us that it is not my husband nor I, we do not waste this large sum of money for an XXXX XXXX.It 's a fraud charge and told that person its not us and to please not to pay cause it is not us.The person whom we spoke with said they will investigate the charges.I was praying and waiting for the investigation and hoping the charge will go, but came XXXX XXXX I received a letter that $ XXXX was charged and so I called back the Bank of America fraud division to tell them that why they pay them and got charged with {$16000.00} + amount.They did not listen to our voices my husband and I that it is a fraud charge and it made me so angry and frustrated they send us another credit card but I freeze my credit card and also freeze 3 major Credit reporting XXXX XXXX XXXX and XXXX.Last time I spoke to Bank of America fraud unit, that they re-opened the investigation. I told them why they did not send an alert on my phone cause I am the primary card holder, where in before they send text message in my phone when I gas up in my car in a different gas station, I did not receive any alert messages on this $ XXXX charge, what is going with Bank of America.We had a police report and faxed it to Bank of America fraud division.PleasXXXX it is much appreciated that you all heard my bad situation we are in.I can not retire with this large amount of debt burden.Please help us.Thank you.
Consumer complaint received 2015-08-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MA)

I have try to contact Midland funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with XXXX Card Services and they do not have anything in there computer that says I owe them any amount of money. So Midland needs to stop reporting this incorrect information.
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (IL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2023-03-17
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. (AZ)

Trans Union is requiring two-factor-authentication and is using my email address for this process. They are not sending the email. I tired to call them but received an automated system that kept asking me fo

r my street address and kept asking me for my street address and kept asking me for my street address and kept asking me for my street address and kept asking me for my street address and kept asking me for my street address and you get the point. I was going nowhere. I need a phone number with a real person to answer. I need another option for their failed two-factor-authentication service.
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AR)

Phoenix Financial is stating the debt was acquired from XXXX XXXXXXXX XXXX for portion not covered by insurance. This debt was originally sold to XXXX XXXX XXXX. The debt was incurred paid by insurance XXXX XXXX XXXX XXXX. When XXXX attempted to collect the debt, a request of the itemized breakdown was ask for which was not provided. However payment from XXXX XXXXXXXX XXXX Account was used to rectify the debt. Then a bill from Phoenix Financial was received. Upon contact Phoenix, I was advised that " XXXX was our client we are collecting on behalf of, however for anything prior XX/XX/2022, you would need to contact XXXX ''. I advised it not my responsibility to verify the balance they are collecting on behalf of their client to which has been resolved. This debt is rectified, however they appear to be " reselling it '' without ownership from Phoenix to valid the amount on behalf of their client XXXX. This is predatory collection whereby no one is stating ownership of validating balance or paid in full and allowing it to be reported to my credit.
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I was scammed out of {$1000.00} financial institute was Wells Fargo. I was sent a text asking had I approved a {$3500.00} transfer through XXXX. Responded no and went to call the bank and the bank called me in the process. Ended my call answered the other line and spoke with some stating they where a representative from Wells Fargo. Even spoke with someone stating they where a supervisor. I was advised to create a XXXX account with my information and send money in checking acct to myself. The money never returned to me. I was advised by the bank it was a scam and a hacker spoofed my phone number and took the funds and because it was through XXXX the transaction had no covered protection from Wells Fargo or XXXX. The bank was aware of the scam going on knew the step but never put a warning out about the scam online until sometime in XX/XX/XXXX. They only advised they would submit a claim to XXXX in hopes of getting v the money returned and as of date no response has been provided. Don't trust the banks or XXXX all are aware of the scam and continue to provide XXXX all the apps and online banking. I have requested proof that Wells Fargo filed a claim with XXXX in writing have yet to receive. Also requested information on the bank that received my funds no response either. 

Companies involved : Wells Fargo and XXXX
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted a company to have an inaccurate Hard Credit Inquiry removed from my credit report. The company sent me a letter saying that they found that the Inquiry was inaccurate and that they would remove the Hard credit Inquiry and they would notify & request TransUnion to remove the Hard Credit Inquiry from my Personal Credit Report. 

The letter asked me to give it 30 days for the inaccurate information to be removed from my credit report. It has been months now and Trans Union has still NOT REMOVED THIS HARD INQUIRY. 

I have attached a photo copy of the letter from the company saying that they would remove the Hard Inquiry as well as instruct all credit reporting agencys to remove this Hard Inquiry as well.
Consumer complaint received 2023-01-05
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 creditbureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorizedto fail to validate this reporting account as unverified information without providing any proof within the periodallowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listedon my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

This collection company The Best Service Company that is located at XXXX XXXX XXXX AVE. XXXX FLOOR XXXX XXXX, CA XXXX is reporting an alleged debt on my consumer report ( XXXX, XXXX, ) that i have never seen before. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. The Best service company has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c. 



I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly