davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
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)

I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX  XXXX Bankruptcy # XXXX XXXX )
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I purchased a house on XX/XX/17 that had existing XXXX service and had constant issues with the service with phone lines and televisions being down. They changed the status of our plan multiple times from being out of contract to being in without my authorization. There service reps missed multiple appointments to repair issues. We had to cancel service eventually and disputed the charges they said we had. They still went and reported it to the credit agencies as a derogatory in collection.
Consumer complaint received 2024-01-22
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. (FL)

In accordance with the Fair Reporting act 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 an account without my written instructions.
Consumer complaint received 2022-01-17
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. (NY)

I have been patiently waiting on Experian 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy # XXXX XXXX-Discharge )
Consumer complaint received 2021-06-22
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: California Business Bureau, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-01-17
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. (NY)

This item is reporting late, yet it is closed and the balance is XXXX as reported in my Equifax. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my Equifax, XXXX  and XXXX ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/ 2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (GA)

XXXX XXXX hospital states they sent me to collections ( Medical Data Systems ) with a bill with the first delinquency effective XX/XX/XXXX. On that date I was in the XXXX recovering from XXXX XXXX so the itemized bill would not be ready for a few more weeks following my discharge pending what was received from my insurance company. The first payment was not due for a few months following my discharge. 
I underwent payment plans and paid the final payment ( {$2100.00} ) to XXXX on XX/XX/XXXX. Medical Data Systems states that they paid off my debt ( {$170.00}, {$170.00}, {$200.00}, & {$360.00} ) as of XX/XX/XXXX when I had not undergone payment agreement nor paid any money to this company.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX  and TransUnion ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (GA)

XXXX the executive manager discriminated me because Im XXXX  and XXXX  XXXX  never respond to my call all last week when he reply he had a bad attitude look like he sound sleepy on the phone bad customer service from XXXX he told me chase bank executive manager cant take a hold off a check he was unprofessional he never responded to my phone call I call all last week he never got back with me.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC. (NY)

I was contacted by text message, although I never opted in to receive text messages. I was told I could set up a payment agreement and pay a certain amount each month to avoid collection activity on my credit report. I made the first payment that day as I needed to do so to set up the payment arrangement. Right after my first payment I see this debt reported on my credit report for {$580.00}. The balance owed after my first payment is {$260.00}, per their website with my next payment scheduled for XX/XX/2024. There are no payments reported as being made although they reported this after my first payment was made. The balance is incorrect. Not only that I took the necessary steps to rectify this. This is very deceptive collection practices as I set up the arraignments to avoid this happening. Wrong amount and incorrect information on my credit report.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX, I received a voicemail from a restricted number stating intent to serve me legal papers between XXXX and XXXX the next day. I called the phone number and referenced the case number provided on the voicemail. A gentlemen advised me that the company he represents, XXXX XXXX XXXX, was retained by Wells Fargo to make a recommendation on how to proceed. He said they were looking to file a civil judgement and pursue me for a charged off checking account. The amount owing was {$1900.00} and they were seeking up to three times that amount. I remembered having such a checking account when I lived in MN and I was much younger. I do believe this account was past the statute of limitations to collect on. I also advised the representative that I had filed a chapter XXXX no asset bankruptcy in XX/XX/XXXX and it was XXXX. He placed me on hold to speak with a supervisor. When he came back he did say that indeed my bankruptcy did cover this debt. I was relieved but definitely in a state of panic. This company should not have contacted me at all! They should have done more research on the age of the debt and the fact that it was XXXX through bankruptcy.
Consumer complaint received 2022-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Since I listed a used iphone for sale on XXXX XX/XX/22, two buyers contacted me, keep asking me to pay or purchase more. XXXX XXXX tried to scam me with XXXX. I quit contacting him once I figured out something wrong with my bank advice. The second one, XXXX XXXX XXXX XXXX ( name on XXXX ), wanted to pay me with Venmo. She sent {$200.00} to me, but Venmo Support transaction administrator XXXX XXXX emailed me saying they had problems to credit it to me as my account was not a business user, and I had to expand my limit by sending the buyer additional {$300.00}. As soon as this is done they will credit {$500.00} plus {$50.00} compensation fee to me from Venmo. I send {$300.00} via XXXX to XXXX XXXX, her relative, at buyer 's request, but after anxiously waiting for the refund transaction hours, I got another email from XXXX XXXX, saying there's a problem to proceed it, I had to buy {$300.00} gift cards of XXXX from XXXX for the buyer, promising all would be paid back to me afterwards. Nope again. Early in the morning XX/XX/22, I got another email saying they discovered my account won't be able to receive the pending fund of {$550.00}, and they can only deposit {$1000.00} into my account. Before they could do it I was required to get gift cards or Bitcoin worth {$500.00}, and I had to do it within 2 hours, otherwise the whole thing would be terminated and all my money would be gone. The buyer also pushed me to take actions to avoid losing money for both of us. I questioned XXXX and the buyer, and they all said it was safe and I was protected. Under pressure I went to XXXX and got {$500.00} gift cards of XXXX XXXX ( 2x {$200.00}, 1x {$100.00} ). I thought this was the end of all the headaches, and I was wrong. XXXX 's email said they discovered {$300.00} of the gift cards was invalid and I need to purchase another {$300.00} gift cards quickly. At this point I was certain I was scammed, not just by Venmo 's XXXX XXXX, but by the buyer too. They cooperated to fool me scam me. I regret I didn't wake up sooner. Now I lost {$1100.00} cash ( {$300.00} XXXX, {$300.00} gift cards, {$500.00} gift cards ) plus my mailed out iphone {$200.00}. I saved all the emails between Venmo and me, proof of my payment via XXXX, receipts of gift cards, ups shipping receipt, etc. Please find out those online scammers, punish them and alert the public. I am afraid my money is gone for good, of course I would be overjoyed to get it back. Your time and dedication to the justices are greatly appreciated.
Consumer complaint received 2022-01-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-28
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. (FL)

ON XX/XX/2021 AND XX/XX/2021 I SENT CERTIFIED LETTERS TO XXXX XXXX, AND TRANUNION STATING THAT I WANTED TO SEE VARIABLE PROOF OF INACCURATE INFORMATION THAT I SAW ON MY CREDIT REPORTS. IT HAS BEEN 2 MONTHS AND I HAVE NOT RECEIVED AND MAIL OR PHONE CALL FROM ANY OF THE BUREAUS. PLEASE ADVISE. BELOW WILL BE THE INACCURATE ACCOUNTS : XXXX. XXXX ACCNT # XXXX {$1900.00} XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX # : XXXX {$2400.00} XX/XX/2021 XXXX XXXX XXXX XXXX # : XXXX XX/XX/2021 {$1100.00} XXXX XXXX ACCNT # XXXX XX/XX/2021 {$1000.00} XXXX XXXX XXXX # : XXXX XX/XX/2021 {$1300.00}
Consumer complaint received 2021-06-22
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-03-06
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. (MD)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, Experian and XXXX ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Unisa, Inc (OR)

A XXXX  days late was reported but if I look at my last account statement XX/XX/24 it shows no delinquency nor does it show notice of payment late nor does it show any change in payment amount or status. I never got any notice that payment was late. UNISA needs to be proactive with notification if they are about to drop your credit score by XXXX points! 
Erroneous irresponsible reporting by them.
Consumer complaint received 2019-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I got a scam call about my student loan Yes this is XXXX XXXX and I'm calling in referenced to your Federal Student Loan. I need to discuss your repayment options with some new changes that have taken effect recently. So, if you could please be sure to give me a call back, my number is XXXX. And I am going to give you a reference number, if you would please have this handy when you call back, that would be very helpful. Your reference number is XXXX. Thank you! ''
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I was State Farm Bank Credit Card Clients From XXXX Until XXXX when US Bank Merge or Purchase the State Farm Bank. On XX/XX/XXXX, I received a letter that US Bank is Closing both My Credit Card Account In accordance with the terms of their cardmember agreement which is surprising Knowing that US Bank had a history with me on closing in the past XXXX years My Bank Account with US Bank Base ON Bias and Not Athetical and Violate the Consumer Financial Protection Bureau rules and regulations and I would like to investigate the bank From the past originally closing my first account until today closing my others accounts.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I have previously filed CFPB complaints # XXXX & XXXX against Discover. Discover replied and I have left messages for a return call as directed in their letter. For 3 years I have contested the cards as stolen because of identity theft. But that was repeatedly denied so I brought up new evidence that the payments were made fraudulently under an account that was not mine. Discover continually states the accounts were mine so I sent an affidavit. Now Discover requests new evidence reflecting payments made on my account were fraudulent that allowed the credit limit to be exceeded. However Discover possessed or possesses this information. This is information that should have been researched in 2017. And this evidence should not have been destroyed or lost.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC (MD)

Hello, To whom it may concern OMEGA RMS , llc XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX This notice is a Validation of a Debt Request ; Pursuant to 15 USC 1692gb. Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) OMEGA RMS , llc XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX Please be advised that I hereby dispute the validity of the alleged debts listed below in their entirety. 
OMEGA RMS , llc alleged debt for {$2800.00} OMEGA RMS , llc XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX, I am unaware of the alleged debt, I didnt have an opportunity to dispute the information / alleged debts. I did not receive proper notification ; if in fact you believe you furnished me with appropriate notification then please send me a copy of the certified receipts with my signature on it and also provide a copy of a contract or agreement.
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (CA)

I have been aware that Americollect has been calling for months now about a nearly {$700.00} debt. While it is possible I have medical debt, I am not sure how it got to that amount. I know they have been calling me for a while, but I've searched my mail records all over and can not find any record of them ever mailing me notice of the debt and where it comes from.
Consumer complaint received 2022-01-17
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. (CA)

Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (TN)

I keep getting texts from them, they are confusing listing several companies I owe for the same debt on behalf of, on behalf of, etc. they keep texting me but will not answer me. 

Example : This text is from Halsted Financial, a debt collector regarding your XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) account. Visit XXXX  XXXXXXXX XXXX XXXX  Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. Reply STOP to opt out. 

Example : Visit XXXX or call XXXX to take advantage of payment options on your outstanding balance of {$1100.00} for your XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) account. 

Pay : - {$440.00} in up to 4 monthly payments. 60 % off, that's a savings of {$670.00}! 
- Flexible payments on the Total Balance of {$1100.00} - Payments as low as {$50.00} - One time payment of {$1100.00} This text is from Halsted Financial, a debt collector. Reply stop to opt-out
Consumer complaint received 2022-01-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

My USA government and state checks have been signed with a computer and printer, then deposited in accounts in which I have no access. Chase Morgan Bank- XXXX XXXX XXXX XXXX XXXX Ohio , USA has been active in covering up an embezzlement scam since 2020. No cooperation with myself or federal agencies has taken place. 

XXXX XXXX and his manager of Chase Morgan Bank- XXXX XXXX XXXX XXXX XXXX Ohio XXXX USA seem to have changed bank accounts in response to complaints and federal investigations.