davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. (FL)

I met a person on XXXX XXXX years ago. Then in XX/XX/2021 I started sending him some money for investment/ loan thru bitcoin. I sent over XXXX to him over a period of 6 months. He sent me a check for XXXX that was part of my investment back but the check bounced. I am speaking to this man via video chat and he lives in XXXX. I have his drivers license info and where he lives. He told me he used the money to buy a house for his mom. He is refusing to give me the money back.
Consumer complaint received 2022-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

XX/XX/XXXX called Heartland about my loan through mass no interest loan I was trying to find out if it could be updated to the national data system to be included for my tpd they said they couldn't they told be call the original leaner they gave me a number the company never hear of me call the school I went to find out information gave me little nelnet couldn't help me much either until information updated very stressed please help me
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

The company started calling me in XXXX stating they received the account from another collection company. I stated to them I do not have an account with anyone because all my accounts were either paid off by myself, the employer or disputed. I checked my account and I do not have nothing on my account with XXXX, XXXX  and XXXX  at this current time. I do not know where this account is coming from. I ask them to send me a copy of the bill. I have contacted the insurance company and the hospital and they have nothing registered with my name and date during that time.
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (FL)

XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes are being dismissed and I am being taken advantage of. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dream Center Education Holdings (AL)

I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?
Consumer complaint received 2023-03-20
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There have been several inquires on my credit and I did not authorize them. They are also using addresses that do not belong to me. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX : XXXX XXXX XXXX XXXX , XXXX, il XXXX XXXX XXXX XXXX, XXXX, il XXXXphone number XXXX
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (MD)

I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.
Consumer complaint received 2023-03-20
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I do not have an account with XXXX and I am totally upset how this account continues to appear on my credit report. I am a Government Employee and this could pose a risk to my security clearance.
Consumer complaint received 2015-08-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CT)

On XXXX/XXXX/2015 I contact my bank and XXXX and there was no charge to my credit card except the amount of {$1.00}. I then asked XXXX what 's going on again I paid you took my credit card why is my account still not working saying I owe you money. 
The lady named XXXX said you are in collections again. 
I said I called the icsystems and I am not in there. She said you have to call them again ok so I did now all of a sudden with her on the phone there was a case in ICsystems.com with a case number of XXXX. She said that case is no longer with us I said how come I never received a letter from you. She said again she could not consult anything with me about XXXX. So not XXXX from XXXX resolution department said that I have to call this number XXXX I said who is this this is the collections she said. 
So I called it and it was XXXX asking me to pay another {$190.00}. 
I said I just paid you this through my card yesterday on XXXX/XXXX/2015 I am not paying you again. XXXX said it looks like the transaction is not going through. 
Its not going through although it took my credit card. 
I said if I get over billed what are you going to do. XXXX said we will take care of it. 
Really like you have taken care of everything so far I am beginning to see a major scam here and I have contacted the FTC.GOV I am also contacting every agency within the government for credit abuse this could also be a possible discrimination case against XXXX XXXX Please help me. 

I have all snap shots proof and documentations and to be honest no federal agency is helping me so it seems so far at all I get harassed daily. 

This is suppose to be a constitution equal opportunity state of XXXX am seeking justice in this equal opportunity state on ConnecticutIn regards to my family members that serviced this state representative XXXX XXXX was my uncle who served at state of Connecticut Representative. 

Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXXTel # XXXX
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (GA)

My car was broken into in XXXX XXXX. All my luggage and personal belongings were taken from my vehicle. All my clothes, passport, birth certificate, and social security card were stolen. I called the XXXX XXXX police dept and reported everything stolen. Just need to freeze my credit.
Consumer complaint received 2020-08-27
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: DISCOVER BANK (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2015-10-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (FL)

I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX and recently my chase bank account in XXXX XXXX XXXX got closed to due to suspicious activity however when i called chase and went there in person they did not give me a reason for the closure of the account. All they said is that i could not access my funds. I have many bills to pay and i can not even add gas to my vehicle because i have no way of reaching any kinds of funds please help me.
Consumer complaint received 2016-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants and Medical Credit Corporation, Inc. (OH)

The debt is related to the rent payment for the apartment. I had a agreed monthly rent amount. I left the apartment sometime in XXXX 2015 and the apartment complex asked me to pay more than what I should be paying. I disputed this payment amount and wanted to pay the legitimate amount according to my lease agreement. 

The debt collector did n't send me a notice for collecting the payment. They never tried to reach me. 1st time I knew about a debt collector is from my credit report! 

Even after asking for a written notice, they refused to send me XXXX. I think that its unfair that the debt collector is behaving like this way.
Consumer complaint received 2015-08-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc. (CA)

I have never received any communication from Aargon Collection Agency about reporting any negative information on my credit report. I found out about this negative item on my credit report as I am in the process of buying a house and this item came up on my report. This debt has not being verified as I have asked and this agency is in clear violation of federal laws.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (TX)

Experian continues to place security alerts on my credit report. I did not request these alerts to be added to my Experian credit file. I have requested Experian to remove these alerts on XXXX occasions but the security alert still remains. I have attached a copy of my identification to this complaint. I would appreciate your assistance in helping me to get this alert removed from my Experian report. Thank you.
Consumer complaint received 2017-01-02
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

Case number : XXXX USAA Closed my checking account and caused my insurance to lapse due to their not telling me the policy was close to the end. Instead they send me a letter stating I must send them money including charges which I paid. I never received a policy that I had asked XXXX XXXX to send to me/ Nothing was ever given to me from USAA or XXXX XXXX . I paid the money for the policy should I not have a copy of what I have paid. 
USAA paid {$2000.00} to the hospital I was in after an accident that totaled my vehicle. 
I feel this was not correct as the policy I had stated the funds should be paid directly to me. 
When the party came from USAA I was XXXX. I was moving a small refrigerator into my bedroom. The refrigerator was very light. Yet your party ran off. 
I would have expected that person to at least identify themselves. XXXX. 
While XXXX is when that party called and told me they were glad to be rid of me. To me calling while I am suffering is not good.
Consumer complaint received 2022-02-09
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. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I have contacted this collection agency three times over the past 3 months to cease seeking payment for this debt. I sent them an identity theft report that states this account is not mine via certified mail. Instead of ceasing payment collection, the collection agency instead sent over a debt validation that does not provide a contract with my legal signature or identifying information. No contract was sent. They only provided typewritten invoices that DO NOT bear my legal signature on an actual contract.
Consumer complaint received 2015-03-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AZ)

US BANK made a cash bonus offer via e-mail for switching to US Bank checking. The letter said if I open an account with them by XXXX XXXX 2014, I will get a cash bonus of {$200.00}. I had satisfied all the criteria including making a direct deposit arrangement for this account and opened an account online using the offer code XXXX. But it has been more than 7 months and I have not received my cash offer. Moreover, US Bank just this month closed my account because they are intellectually incapable of serving me as a customer. I do not bank with them anymore anyway but I want my cash bonus offer of {$200.00} paid to me.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

12 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-09
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. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

DIVERSIFIED CONSULTANTS is failing to remove an account from my credit which has been paid. It should never have posted to my credit as we had an agreement which they claimed they would never post it to my report. They continue to damage my credit causing me XXXX & financial XXXX. I would like it removed immediately from my credit reports ...
Consumer complaint received 2016-01-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My husband is an XXXX that was laid off XXXX XXXX, 2015. Knowing that I would not be able to make our mortgage payment I called the mortgage service company and asked to apply for a modification. I was told that I would not be able to apply for a modification because I was current on my mortgage. That I would need to stop making my monthly payment to fall behind and then would able to apply. I did this and was allowed to apply for a forbearance, and was approved for this plan which included to pay a XXXX a month mortgage until my husband became employed again. As soon as my husband became employed again I sent in a copy of his pay stub and then was able to apply for a modification. Doing exactly what I was told to do I sent all the information needed to apply for the modification which is now in review. After my application went to the modification department I was then informed that I should have never been told to stop making my payment to apply. This is not correct information any longer with a new law in place. Now my loan is extremely in default and I know that I will never be able to bring it back to current because of the negligence of the employee who told me to stop making my payment. I fear losing my home because of employees not being educated properly to do their job. XXXX XXXX from the modification department has informed me that she is going to have the phone conversations reviewed and to have them used in education for the employees because the laws have changed and the phone reps need to be giving correct information.
Consumer complaint received 2016-07-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IN)

I opened a Citigold checking account with a promotion code that said would provide XXXX XXXX XXXX miles once met the requirement. There was no any word in the term saying that I am not eligible for the offer and I also confirmed several times with the bank and the customer service people, they all told me I could get the offer. However, recently, Citi bank told I was not eligible for this offer because the offer is only available to certain people. They never mentioned that when I opened the account. They should fulfill the offer.
Consumer complaint received 2021-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.