davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Requested XXXX XXXX to opt out from reporting to credit bureaus Per the FCRA as a federally protected consumer. 16 CFR 313.10 XXXXXXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attached Opt out notice below
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc. (MA)

My good friend for more than 10 years of friendship stole my personal information to rent a house with utilities included to other people. She is a XXXX XXXX XXXX  but she wanted to get extra money so I discovered that she use my information to rent to other people that have no credit history or bad credit and no legal documents. They were willing to pay extra money since they had the money but not the documents needed to rent a luxury apartment. This person use my information and others people information around her to do this type of frauds. I went to the police, reported the fraud and I also call XXXX XXXX and XXXX XXXX I sent them all the proof that I didnt use those services during that time. I also went to the apartment under my name and they stated that I wasnt the same person that use to live in their apartment but everything was under my name. I was on the process to buy my first house and i was ready to qualified but now I have to extend those plans because my credit is not good. I have all the proof this was fraud
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CT)

I filed chapter XXXX bankruptcy on XX/XX/2019 and included Discover card into the debt on XX/XX/2019 discover debited {$130.00} from my account and shouldnt have because of the pending bankruptcy
Consumer complaint received 2019-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was victim of a scam. I received an email ( it seemed from someone I know and trust ) asking to buy gift card and send back by email. I did that since I was told was a birthday gift. However I then realized it was a scam since they kept asking me to buy more and more gift cards and when I asked more details, that failed to provide. I alerted the fraud department and all my credit cards company. However I was told by credit card company that I wont get my money back since this was a scam and not a fraud.
Consumer complaint received 2018-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (UT)

Wakefield and Associates , Inc. ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX ) sent me a letter on XX/XX/XXXX seeking to collect amounts allegedly due to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX   ). I responded to Wakefield 's letter onXX/XX/XXXX and disputed the amounts claimed due by explaining that the amounts were either paid to the original creditor, or the amounts were so old that they were barred by the statute of limitations.

Prior to the XX/XX/XXXX notice, I had contacted XXXX XXXX on XX/XX/XXXX, to dispute the amount due because I had received some sort of debt collection letter. I advised XXXX XXXX that the amount was paid, in fact, their system reflected a credit balance of {$190.00} ( it does not today ). I requested that this amount be applied against the balance due. They did not apply it, nor did they refund the money to me.

I was surprised when I came home today ( XX/XX/XXXX ) to find a letter datedXX/XX/XXXX from the Wakefield firm again seeking collection of {$320.00}. This letter detailed the amounts that they were attempting to collect, with the 2 oldest dates reflected as XX/XX/XXXX, and additional service dates in XX/XX/XXXX. They also provided additional documentation that appear to be invoices and a billing summary from XXXX XXXX. However the billing summary does not contain information to reflect the running outstanding balance, nor does it reflect the credit of my check ( # XXXX for {$190.00} ) that was cashed by their office on XX/XX/XXXX.

I will be responding to the most recent Wakefield correspondence by providing documentation supporting my dispute. Since it took them over a year to respond, I am seeking the assistance of the CFPB to eliminate further collection of this debt.
Consumer complaint received 2019-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX has put a remark on my credit report for my XXXX credit card and my XXXX XXXX credit card. Having them put this remark has decreased my credit score. I can't even view what the remark is but there should be nothing posted under these accounts. Last month I disputed the balances on these accounts as they were reporting higher than they actually are. Today upon checking on XXXX XXXX my score decreased due to these remarks added. I am submitting this dispute because there shouldn't be any remarks made. I also am unable to get online to view my credit report.
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XXXX Creditor Reporting : Portfolio RC To Whom It May Concern : I am writing to challenge the reporting on my credit file by Portfolio in regard 's to my XXXX XXXX credit card. This account was settle for less than full value and has been paid, in agreement to remove off my credit file.
Consumer complaint received 2019-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

I was needing to close my business account because I was no longer going to be a partner nor do the business so I spoke to a banker XXXX XXXX sometime in XX/XX/XXXX on what steps I needed to take to close or take my name and info off account. I was told we would both have to come in and bring documentation showing i was no longer continuing the partnership or business and that it would need to be notarized which I was able to do and came in with my business partner XXXX XXXX on XX/XX/XXXX and gave banker copies he requested in order to close business account altogether while doing so the banker asked if I had anything pending I said no just XXXX XXXX monthly fee of {$39.00} which I had made several calls around late XXXX XXXXinforming merchant XXXX XXXX of cancelling services and to stop any more deductions by XX/XX/XXXX which they continued to do and I let banker with chase know on XX/XX/XXXX that it was possible that XXXX XXXX may still try to deduct the fee of {$39.00} which I was told by banker that I could put a stop payment which I did. Well here I am still having issues and now the account is over drawn by XXXX which I XXXX XXXX did not make any charges after XX/XX/XXXX. I do not think that is right being a customer with chase bank for many years. I was told till the account was in a positive and not negative I could close. I am very upset because i did not accure any of those charges and i did what I needed on XX/XX/XXXX to take those steps and I have my copy of receipt that account would be closed.
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Machol & Johannes, LLC (WA)

I am sick and tired of being called " Invalid '' when I am telling the truth and they are breaking the law. It is an insult to be called " invalid ''. 
Apparently when you ( me ) have all the documentation that you are telling the truth and you have been wronged ( and you sent it on to these " people '' on more than one occasion ) you are " INVALID ''.

2nd letter from these " People '' today a complete rerun of the letter  sent to me dated XX/XX/XXXX, once again calling me " INVALID '' I am NOT CALLING YOU and you are NOT TO CALL ME. This can be taken care of IN WRITING. 
I have asked them to send me a offer in writing that would resolve this issue and it hasn't seemed to compute with them. 
I have gotten no offer in writing, and I have not gotten any verifying information that THEY promised to send me in their first letter dated XX/XX/XXXX. 
All I get is the same letter over again that says I am " INVALID ''. 
They already judged me, discriminated against me, and developed complete bias against me even before the letter I sent them disputing the amount. They show no interest in making things better and they have already decided that I am a scumbag. Nothing I say ( all the truth ) makes no difference with them. I truly believe that they never read anything I write or look at any of the proof I sent them. They are totally and completely discriminating against me. It does no good to send them any of my proof because they are discriminating against me. 
I want this resolved and these people and their sticky fingers out of my personal information, my credit, and my life. 
Send me an offer IN WRITING ASAP that will resolve this issue permanently.
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I have repeatedly requested an auto-debit, so that my interest rate would be lower. I received notice that they were approved, once for my application on XX/XX/XXXX and once for my application on XX/XX/XXXX. My payments have never been auto-debited pursuant to these allegedly approved requests as of today, XX/XX/XXXX. 

I again had to make a double payment, because I thought it was going to auto debit and it didn't. Now my payment is " 3 days late '' and only 1 banking day late. I had to pull money from savings to cover this double payment for this month and next month. I'm on an IDR plan, so my savings are obviously not robust enough for this to be something that is sustainable. Also, on-time payments are vital for my PSLF. Each time they do this, I have to pay on my loans that much longer. 

I continue to not be able to get through on the phone, due to them being either unwilling or unable to staff their call centers adequately.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a secured credit card with Capital One Bank in the beginning of 2019. The XXXX company made a mistake and reported it as fraud ... Capital one closed my account. After weeks of speaking to XXXX in credit bureaus disputes at Capital One XXXX direct extension XXXX she had me send identity papers and bank papers etc she rec 'd this info on XX/XX/2019. at which point she assured me they would re-open my account .... months went by never happened! I spoke with her again in XXXX she told me it could not be done but I would get my {$99.00} deposit back, but I HAD to file a complaint with my bank???? made no sense! I did however do it they gave me a provisional {$99.00} till investigation .... well today they reversed the credit saying it was processed correctly. WTH!!! then I got a check from Capital One for {$0.00} stating it was a credit balance refund. I never got my {$99.00} back I have left several messages to XXXX NO RESPONSE I want my security deposit back!
Consumer complaint received 2019-09-28
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. (MA)

Because I cancel the {$24.00} paying membership with credit reporting agency Experian they have allowed all type fraudulence activities in my account. They have been stressfully sending me bad information as alerts on a daily basis via my emails and text alerts through their controlled app in my phone. They are purposely reporting negative credit informations to all U.S consumers.

Most recently they have allowed XXXX XXXX XXXX XXXX access to pull my credit, installed a advance loan on my name with out my consent and now allowing XXXX to reporting vehicle repossession on my name with in the same exact account that I was never late paying not even 1 time. 


They have block my phone number to access their customer service support team because they all out of the country. I can not get through their phone lines nor email to dispute anything about my own credit files. 

Experian is also acting like XXXX  affiliated company, running XXXX  style of operations toward American U.S.A consumers. My data files has been breach by Experian themselves no out siders but hacked with in the Experian company. I don't feel Experian is legit enough to have access to my credit files as an American leaving in the U.S. I Placed a lock on my credit file it was removed by experian just to give criminals access to my credit files. 

I am a resident of the State of Massachusetts i'm sure my laws are pretty clear when it comes to issues like Credit bureaus like Experian. As resolutions, I want Experian to go and verify every single negative information they have placed in my credit reports from all and any company they are associated with. informations must be verified before hurting consumers. Mentally, Experian is killing Americans in the U.S.A slowly and they know exactly what they are doing to destroy Americans like me. This is war.
Consumer complaint received 2019-09-28
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. (HI)

On XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX XXXX XXXX XXXX XXXX has place hard inquires on my Equifax report I have a direct email with XXXX XXXX and despite emailing them constantly and calling them, they have NOT removed these illegal fraudulent hard inquires. Equifax said if XXXX XXXX would call them it would take only moments to resolve. They hangup like little babies, cant return calls like they said they would ( XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX the supposed bosses, every time I open a case instead of them removing the previous hard inquires that I never authorize they completely ignore the FCRA and another illegal hard inquire shows up. These people need to have their banking license pulled there unapologetic criminals and flaunt federal laws while agencies like your allow it to happen. Remove the illegal hard inquires without delay!!!!!!!
Consumer complaint received 2019-09-28
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called XXXX  to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late XX/XX/1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.
Consumer complaint received 2019-09-28
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-07-24
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: CCS Financial Services, Inc. (TX)

I, XXXX XXXX XXXX, a consumer reviewed my credit profile on XX/XX/23 and Identified a discrepancy with account listed under CREDIT COLLECTION SERVIC and validation was requested as this was an account I did not recognize. I reviewed my report again on XX/XX/23 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Pursuant to 15 USC 1682g. I requested that they provided me with verification of this alleged debt, no documentation was provided. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act they are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 


According to the 15 USC 1681 law, there should not be any damages on my report as this defamation to my character. Please remove all fraudulent accounts immediately.

I hereby inform that this company does not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to them having my personal and private information. This constitues aggravated identity theft. I also did not provide consent for them reporting information in my name to the consumer reporting agencies.
Consumer complaint received 2019-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

Navient is trying to default my student loans in the amount of {$3700.00} on XX/XX/19. I recieved a letter stating the initial default today on XX/XX/19, which is two days the loans is set to default. I have been in constant contact with Navient in an effort to resolve this matter. I have legal proof that my account can not be declared uncollectable. I have financial statements proving I made these payments that they claim I am in arrearages of.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a notification from XXXX XXXX saying my account is closed and the balance is {$0.00}. I called to make sure and spoke with a lady named XXXX. She stated my account is not closed and the balance is {$1000.00}. I also had her state the last payment made to the account because they record the calls and she stated that it was made on XX/XX/2018. This is all confirmed on their website.
Consumer complaint received 2019-09-28
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. (AR)

THIS IS MY 11TH COMPLAINT AND I DISPUTE 4 RETAIL CREDIT CARD ACCOUNTS ON MY EXPERIAN CREDIT ALL OTHER BUREAUS HAVE DELETED FOR THIS EXACT REASON. 

XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT, CHANGE ACCOUNT TYPE TO RETAIL CREDIT CARDS. 

XXXX XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT CHANGE ACCOUNT TYPE TO RETAIL CREDIT TYPE THE XXXX XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT CHANGE TO RETAIL CREDIT CARD TYPE UPDATE WITHIN OR DELETE OR BE SUED, SEE ATTACHED LAWSUIT. 


XXXX XXXX, NO.XXXX, REPORTING AS INSTALLMENT LOAN MUST BE CORRECTED TO RETAIL CREDIT CARDS
Consumer complaint received 2018-04-07
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: EQUIFAX, INC. (TN)

I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (MS)

On XX/XX/18 I sent a certified letter to BSI Financial to the attention of XXXX XXXX XXXX XXXXt. with supporting documentation questioning the amount of my payoff on my mortgage loan. I believe I was overcharged {XXXX} and sent supporting documentation supporting my assertion. The certified mail was received XX/XX/18 and I have never received a respond from BSI Financial. Additionally, BSI Financial is in violation of RESPA qualified written request rules.
Consumer complaint received 2019-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

the following is XXXX, so I am filing tort action claim, against Capital One and XXXX   XXXX  XXXX for holding on to both my XXXX and XXXX savings accounts and freezing my checking account, so every check that bounces and does not clear, will add up the fraud and damages, so right now, it's a small claims case, but will sure to go up to civil limited between 10K and 20K accordingly. 




XXXX Wed XX/XX/2019 XXXX XXXX You XXXX, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. 

Please call us at XXXX as soon as possible so we can verify this recent activity. We're available Monday through Friday, XXXX XXXX to XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX 

We used info from a credit-reporting agency that - in whole or in part - influenced our decision. The consumer-reporting agency didn't make our decision. For questions about your credit report or supporting info, contact the agency directly at : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX