davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (CA)

In XX/XX/XXXXXXXX  I received a letter from MRS BPO , LLC ( MRS ) dated XX/XX/XXXX, notifying me that they were a debt collector trying to collect {$63.00} that I supposedly owed to XXXX XXXX. I sent an email reply to MRS on XX/XX/XXXX, to XXXX, the email address that was listed on XXXX XXXX XXXX XXXX XXXXXXXX ( that website was listed on the MRS letter under " Contact Information '' ). Below is the text of my letter : " I am in receipt of your letter dated XX/XX/XXXX. XXXX XXXX has not been my mobile service provider for some time and I do not believe I owe it any money. Therefore, I hereby request that you provide me with a validation letter to verify the alleged debt. Such letter should include ( without limitation ) proof that the debt belongs to me, the alleged non-payment time period and the authorization to collect on the debt on behalf of XXXX XXXX. Please send all communications to me regarding this matter to this email address [ my email address ]. '' When I did not receive a reply from MRS , I mailed them by USPS a letter with a copy of my email on XX/XX/XXXX. I mailed my letter to MRS BPO , LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, which is the address listed on the MRS letter as one of their contact alternatives. 

When I still had not received a reply to my email or letter, I contacted XXXX on XX/XX/XXXX. The customer representative told me, among other things, that she wanted to credit my account so the billing issue would be resolved, but the matter was transferred to a collection company that day, XX/XX/XXXX, so she was not able to do it. She told me that she was not allowed to give me the name of the collection company. I have screen shots of my chat to prove what was said. 

Based on that conversation with the XXXX customer representative, it appears that MRS contacted me in XX/XX/XXXXXXXX  before they had an authorization to do so. Furthermore, they never responded to my request to provide me with authorization confirmation. However, starting on XX/XX/XXXX, I received numerous texts from at least 22 different phone numbers in various area codes claiming to be from MRS BPO , LLC. Since I specifically requested MRS to contact me only via email, I did not reply to such harassment texts. 

Today, XX/XX/XXXX, I received a notification from my credit monitoring service that a negative report was filed by XXXX and it significantly reduced my credit score ( it used to be over 800 ). I believe this is at least partially a result of unscrupulous tactics by MRS and their failure to communicate with me in a legally required way. 

I have written and electronic evidence to support the statements made in this complaint. I will submit such evidence if it's deemed to be necessary.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

{$250.00} a month was being withdrawn from my checking account from a tax relief company. The company ( I dont want to get the name of the company from my bank app because Im overdrawn an enormous amount of money. Its too painful and has caused my perfect payment record to plummet! Im so distressed! ) XXXX  XXXXtold me I would get a refund because they couldnt help me. The only thing that went on between me and the tax relief company were conversations. The IRS applied my return to my debt. The company failed to do what they promised/led me to believe. As a result, I called Chase Bank, stopped the automatic payments and Chase calculated the money I would be refunded and added the amount back to my account. Now, Chase has taken the money back, my account is overdrawn an enormous amount & this is causing a snowball effect plunging me into trouble! Ive contacted companies to stop automatic payments but because my account is overdrawn I cant pay them. I add money to my Chase account from another to pay my bills. I cant even afford to do that. I was getting direct deposit to my accounts from my job but I havent worked due to a coworker having XXXX! Hopefully Ill be back at work this monthXXXX XXXX-but I dont know when. Ill have to change banks and pay Chase on a weekly basis based on what I can afford when/if I can return to work. Please, give my money back. Chase can get their money back from the tax relief company that took mine. Thank you-XXXX XXXX
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: R.M. Galicia, Inc. (CA)

I have a collection for my daughter that I am actually trying to pay. I got in touch with someone once and was told that I needed to talk to someone else and was hung up on. Nobody answers either phone numbers that I am trying to call and this is affecting my credit score. I have been habitually trying for a month to get an account number or something. Even in their XXXX reviews people are complaining of the same problem. Ive called the number XXXX and XXXX Horrible company that can answer the phone
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (NV)

I have reviewed a copy of my credit report and I show that inquiries listed on my report are inaccurate and or fraudulent. I have sent letters to credit bureau with no reply to the matter. I have also file and FTC, police report on fraudulent inquiries on my credit report. here are the inquires listed. 

Company Inquiry Date XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (ME)

I have {$600.00} worth of Vanilla Visa cards that I have been unable to use. Every time I attempt to use the card online, making sure that the balance of the purchase is lower than the balance of the card, the card gets declined. I have attempted to call Vanilla customer service at XXXX, but I end up on hold and no customer service reps ever answer.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This is in regard to a capitol one credit card From what I understand, there was a 21 % credit card open in XXXX in my name. Unfortunately, I can not confirm who opened the card, nor can I confirm the purchase was made. Capitol one tells me a charge was made at a gas station near my home in XXXX, Hawaii ( XXXX ). The purchase was for {$15.00} I made payments continually, on time. Capitol one raised the payments with some fort of hidden fee and continued to charge me late fees. Capitol One manipulated the situation and socially engineered me when I called in to get information on this card XXXX. Capitol one sent me a letter stating I have never been pate on a payment however the debt collection completely contradicted the letter and now they say I owe approximately {$1000.00}. 

Tried contest by : - created a complain with XXXX XXXX XXXX they did nothing - XXXX XXXX contested with a letter Now I am here hoping someone can help. Please help!
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (WY)

I disputed the entry for a mortgage foreclosure with XXXX Bank on Experian. They investigated and put the date of XXXX 2015 as the date of foreclosure on the account. I disputed the incorrect date of the foreclosure on my Experian report and they did nothing to correct it. I attempted to get them to fix the information to reflect the correct date of the foreclosure and they will not allow any additional changes to the data on the basis that it has already been investigate. XXXX and XXXX are showing the correct info.
Consumer complaint received 2015-04-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ENOVA INTERNATIONAL, INC. (TX)

I received a call from XXXX indicating that he was from an investigation dept for company XXXX needing me to call them within 24 hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called CashnetUSA directly and they told me that they sold my debit XXXX XXXX.
Consumer complaint received 2019-11-12
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. (ID)

In XX/XX/2015, I had a vehicle I had traded into a dealership. The vehicle was paid off and the loan is reporting as a charge off on all my credit reports. I have disputed this information multiple times. Not only is this not accurate, the amount they are saying that was still owed when I traded the vehicle in, is inaccurate as well. Ive requested information from XXXX XXXX multiple times asking them to show me proof that this was not paid off. They have never provided proof. Instead, continuing to report as a charge off on my credit which is causing a great deal of harm to my credit. I don't understand how these companies can report whatever they want to these credit bureaus without ever providing proof or validation. I want this inaccurate account removed from all 3 of my reports.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (AZ)

I have a business account with Wells Fargo that includes 2 checking accounts and 3 credit card accounts. 

To complete XXXX taxes our accountant needs the credit card transactions for XXXX - XX/XX/XXXX in a format that can be imported by his accounting software ( e.g. 
csv format ). 

Logging into Wells Fargo 's on-line system we are able to view all accounts on-line. 
There is an option to retrieve transactions both as pdf statements as well as csv files, when that format is required. 

We have tried to retrieve the csv files for the 3 credit cards on that account for transactions from XX/XX/XXXX to end of XX/XX/XXXX. When the downloads complete the only data provided is for XX/XX/XXXX up to the current date. 

After calling Wells Fargo to complain about this issue we are told that those transactions are no longer available and the only information available to us are the pdf files which cover all of XXXX. 

It it is inconceivable that Wells Fargo deletes credit card transactions more than 5 months old from its database, which is what we were told. 

This appears to be a matter of Wells Fargo instituting an arbitrary cut-off period for which it generates the csv data required by its customers for the previous year. 

Many individual 's would likely need that information for tax purposes and having someone renter the data from the pdf files that Wells Fargo makes available is costly and time consuming. 

We would appreciate CFPB 's view on this matter. 

XXXX XXXX
Consumer complaint received 2023-03-28
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

On XX/XX/2020 I disputed an account that was paid and was to be verified. Equifax never investigated nor verified. My address was changed to a previous address, which was not my request. I asked to verify the payment history that is incorrect with their payment status, They never investigated. I sent in my Drivers ID along with a copy of my Social Security card on each dispute
Consumer complaint received 2021-08-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have these items that are not mine and i want them to be removed from my credit. 



XXXX 1. Identity Theft BK OF AMER Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

On XX/XX//23 I contacted a company by the name of NCA due to inquiry on credit for {$970.00}. I initially advised them I was not familiar with the company or debt. I requested information regarding debt and was told I would receive information through the mail. I still have not received any information regarding debt to company and representatives refused to give further information.
Consumer complaint received 2019-11-12
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. (WI)

I have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they would remove these accounts from my credit report which are listed in the attached files below.
Consumer complaint received 2019-11-12
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE DELETED : 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 ACCOUNTS TO BE AMENDED : XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ( {$800.00} limit ) XXXX XXXX XXXX, # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, XXXX XXXX
Consumer complaint received 2019-11-12
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE DELETED : XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX XXXX, # XXXX XXXX XXXX   XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX   XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ( {$800.00} limit ) XXXX XXXX XXXX, # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, XXXX XXXX
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

ChexSystems has reported on an account I had with XXXX XXXX  that it was closed due to account abuse, but is paid in full. As such when I try to open a new bank account it comes up as my account as being flagged for outstanding amount owed that needs to be paid in full in order to open a new account. And some banks have a policy that if a person is flagged in the ChexSystem that the person can not open an account for two years! All of this because of false information!! Not good! Not Fair! Not honest business practices!!
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I applied for an Apple Card. I was declined as they stated I had a past due payment. I do not. I was told to contact XXXX which I did. They dont show a past due payment. My credit score is XXXX. I spent an hour on the phone with XXXX   then Goldman Sacs. Another 45 with XXXX. They sent me a credit report with no past due payment on it. Apple and Sacs said there was nothing they could do about it. Im XXXX with an income of XXXX. Age discrimination is the only reason I can come up with for being declined.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A METHOD OF VERIFICATION DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

This is not my debt. I have requested several attempts for this company to validate this debt with a physical signature of the HIPPA release and a complete payment history.. Sending a bill is not validation. This is a HIPPA violation. I have a right to request documentation with my physical signature. Its evident that this company can not provide proper documentation to collect on this invalid debt. I have been in complete distress behind this company actions destroying my credit. Also, I have filed a complaint with XXXX  as well. Until I receive proper documentation this is a HIPPA violation.
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I contacted Aargon collection regarding an account that is not mine I have several times and they do n't respond with accurate time, also they never showed me proof of the account with any validation o requested copy of Identification, signed contract and any other forms. I received an email after I disputed the account which I do n't feel it 's save on the web. The company just ignored my request.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX 2017 I went to the website www.transunion.com to access my credit report. I am aware that I am entitled to one free credit report per year, I was not aware that you get these reports from a special website.
On the Transunion website one of the big buttons is titled " My credit score & report '', which I clicked and followed the instructions with the hopes of obtaining my free credit report. On one page within the process I was asked for my credit card details, which I found strange. I reviewed the webpage to see if I missed anything about having to pay a fee. On that particular page there was no details about any charges that I would incur. 

I completed my profile and verified my identity. It was at this stage that I received an email with a summary of my " order '' showing that I will be charged {$19.00} per month for credit monitoring services. 

At this stage I reviewed the sign-up process again and there was indeed some very small print on some of the pages stating that I will be charged {$19.00} per month. It is however not clear at all that this is the case and I find their business practice and website design very questionable - it feels like I was scammed. 

I cancelled my subscription immediately and phoned them to voice my dissatisfaction. Without any hesitation the call center agent offered me a 50 % refund - this to me is a clear indication that this has happened numerous times before. Also when I cancelled my subscription Transunion enquirers as to the reason for my cancellation - one of the options available was " I was unaware that I would be charged. ''