davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (AZ)

I received a visa debit card i did not request from Usbank Reliacard. Date on letter XX/XX/2020. Cardholder services, XXXX. XXXX  XXXX, XXXX, FL XXXX Phone XXXX XXXX XXXX. 
And received a letter indicating a change of address requested. 
I have not activated the card. This is the second such card I have received this year.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I had to vacate an apartment due to living conditions and I had no choice but to let the payments default. ( XX/XX/XXXX ) The collection was first with XXXX XXXX XXXX XXXX XXXX. 
They moved the collection to IQ Data and they contacted me in XXXX, I told them I did not have the {$4000.00} to pay. 
They told me they will put it on my credit ; I wont be able to buy a house ; im not responsible and they were RUDE! 
Yelling at me. 
They called my job XX/XX/XXXX asking for me. I asked how they got the corporate number and asked the to Desist calling because we are a SECURE GOVERNMENT FACILITY. Those types of calls are screened by the government. 
The guy proceeded to get rude and I hung up. 
I called back to speak to his manager that questioned my job performance because I had not paid this collection. 
He also said, " So what you want me to do, call you boss and get it from her? '' IN NO WAY IS THIS ACCEPTABLE! 
They are rude ; they keep threatening me saying that I wont be able to attain anything because I dont pay my bills and these people do not know me! 
I am taking care of my parents home and mine! I work VERY HARD! 
Im tired of them calling me and threatening me!
Consumer complaint received 2019-04-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Hello my name is XXXX XXXX XXXX. Im writing to let you know that someone has gotten approved for a mortgage loan in my name and that they should be moving into their a place that they purchase and they should be moving in a couple days. I never received the call or email or the application that was supposed to be in my name. They have done this fraudently in my name and social security number. They stole all my money and all my personal information and they also my tax return and insurance to be able to purchase this house. They also that gotten car loans and credit cards in my name without my knowledge. They have gotten student loans and etc. Im writing to make sure that they dont get anymore money in my name or be able to get access to anything else. They changed my phone number that was on the original application and they have be impersonating me and using my income and identity and social security number to be able to commit these fraudulent activities in my name. And they need to be stopped. Im going to report them to the police department again.
Consumer complaint received 2020-07-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L   Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond,  within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (FL)

I was in XXXX XXXX jail from XX/XX/XXXX to XX/XX/2021 and my card was used without my permission. When I got out of jail I contested the purchases that were not approved. My account was credited only for some of the purchases and Credit Karma froze my account and will not let access my funds that were credited back to my card and will not perform an investigation on the other money stolen. They also refuse to close my account and have a paper check mailed to my residence.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Account shows as being opened XX/XX/2017 & another previous year. Account shows two different Balances on the account. Account is reporting as two different companies, two different debts. Account was reinserted with a higher amount. Account is updating every month bringing my score down with inaccurate information. I disputed this in writing certified mail & Equifax did not respond to this dispute within 30 days. Equifax also continues to change my address without my consent making it hard for me to identify myself when I call. I have been a victim of identity theft 3 times & this bureau Equifax does not help me or abide by the Fair Credit Reporting Act. Equifax also deletes positive accounts. This account is double jeopardy & double damaging to my credit file. I CAN NOT get a auto loan with a loan over {$20000.00} reporting as a fresh debt every month.
Consumer complaint received 2019-02-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Bank closed our accounts XX/XX/2019 for me and my spouse and never transferred the money to external bank accounts as it was promised. Neither cashier check was released or ever sent to us. For now we have only letter from the bank that accounts were closed with ending balances but money were not released for over 2 weeks as of today.

Every time we call they sent us to voice message and nobody ever call back or contact otherwise to give time frame for expected money transfer.

They also never mailed 1099 form of interests from savings that prevent us to file taxes in timely manner.

I had three CDs with them as well as two savings accounts and one checking account.

My husband had three business savings accounts and one checking account
Consumer complaint received 2022-07-22
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. (MS)

In accordance with the Fair Credit Reporting act 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. ( I never gave XXXX permission to furnish any installment accounts on my consumer report. )
Consumer complaint received 2024-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc (WA)

I reviewed my credit report on XX/XX/2024, and realized that there is a medical collections bill reflecting on my credit report. I am writing to formally submit a complaint against the collection agency PUGT SND COL for reporting a medical bill on my collections report. I believe this reporting constitutes a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and infringes upon my privacy rights. Under HIPAA, medical information must be kept confidential and can not be disclosed without my explicit consent. The reporting of this medical debt not only adversely affects my credit report but also exposes sensitive health information, which is against HIPAA regulations. This situation raises serious concerns about the handling of my medical data and my rights as a consumer. I request that the CFPB investigate this matter and take appropriate action against the collection agency for their apparent disregard of HIPAA laws. Thank you for your attention to this urgent issue.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tate and Kirlin Assoc (AL)

I received a letter from Tate and Kirkland Associates Incorporated out of XXXX Pennsylvania dated XX/XX/XXXX. The letter stated that the client has authorized to offer a discount of 50 % of my balance to satisfy the account that was originally {$690.00}. XXXX for a XXXX XXXX XXXX card I defaulted on. I call the collection agency and spoke to a representative by the name of XXXX XXXX. I I spoke with her and she agree that I can make to installment payments one on XX/XX/XXXX for {$170.00} and the next payment will be due on XX/XX/XXXX for {$170.00}. She agreed to delete the account once the total balance of XXXX was paid which is the agreed discounted offer of 50 % of the original balance of {$690.00}. I made both of the payment as agreed on time with my bank card was on file to make the payments and it was automatically drafted on the days as stated above. Now that the debt has been satisfied the account is still reflecting on my credit report with an incorrect balance only reflecting the XXXX I paid in 2 payments and still have the remaining balance left over from the original balance of the XXXX which is incorrect. As agreed by the representative from Tate and Kirkland Associates the account was supposed to have been deleted after the XXXX was satisfied. I have paid the debt, and it is still reflects on my credit report .The account balance is incorrect. I would like for Tate & Kirkland & Associates to honor the original agreement and delete the account from my credit report. I have called the company every day for the last week requesting for the original representative I spoke to to send me a letter of our agreement and to give me a call back. I have not received a call back and I have not still receive a letter from the Creditor with the original agreement to have the payment deleted from the account.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I do not have a car at this time so I had to open an online account at Chime!! 
My first transaction, Social Security direct deposit in the amount of {$2200.00} on XX/XX/20 was reduced by {$1200.00} when they sent this amount to a XXXX XXXX account in whose name I have not been advised. 
I filed a dispute immediately the same day as I needed my money to pay bills. They denied my claim on XX/XX/20 and keep telling me to provide more information. I have no more information as I knew nothing about this unauthorized transaction. I have sent a major amount of messages and made dozens of phone calls to get my money refunded. They keep doing the same thing and I still haven't received my funds. I am at a loss as to how to get my money returned and need your help. I am a XXXX year of age woman that is XXXX and my bills are far behind. Can you please help me? 
XXXX XXXX XXXX XXXX Claim # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

Hi, Back when I was a student in college in XXXX of XXXX, I had a sick day at work, and my manager demanded that i go to the doctor to get a doctors note for missing work that day. My job was at the XXXX XXXX XXXX and was considered a " work study '' position offered for students who needed to work 20+ hours a week because they were low income students and also had the opportunity to do school work and focus on studies at the same time. I went to the doctor paid my co-pay and that was it. I got my note, paid my dues and was on my way to not being fired for being sick. Unfortunately 2 years later I have a collection on my credit report from XXXX XXXX. As soon as i figure this out I pay my debt through the debt collection agency. I had gotten no notice and was completely unaware that there was even a {$160.00} bill attached to my name for this doctor 's visit. If i knew I had to pay that much money for this I would have never went to the doctor. I feel like i was taken advantage of as a young student by a XXXX. Now i have a collection on my credit report for {$160.00} that i did pay back in full, in early XXXX and it is still till this day negatively impacting my credit score and report. I just truly feel that I am not the only person this happens to, and it feels completely unfair and out of my control that this happened to me and is negatively impacting my life.
Consumer complaint received 2021-07-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OR)

Last year I asked for the Covid relief miss 3 payment thing, I was granted it because then I had 3 additions to my household who were out of work. Since then all have left and back to work. In XXXX of 2020 I received my packette for the LOAN MODIFICATION AND NEW PAYMENT AMOUNT. I started in XXXX paying by phone the amount referenced in paper work sent in XXXX. I then told them my husband ( Veteran ) had passed away and wanted his name off the title. They informed me that they would have to redo the packet and send me another one. I call every week and get the same story, it is in title and this has been going on since XX/XX/2020. I am on the original title and my husbands ' heir to property. I sent them his will and death cert. and marriage licence and XXXX and signed and filled out all paperwork they requested I submit. There was no probate as I was on the original and the refinance loan we have with Well Fargo. I have debt that I would like to address but am unable to proceed with any financial decision as the loan modification is being held up at the " title '' level of Wells Fargo mortgage. I tried to get another loan to just pay off wells fargo but my debt to income is such at this time I couldn't quality, how ever I pay all bills on time including my house payments. I only owe around XXXX on my home but have huge equity in it at this time. I am afraid they will try to take my home away from me I am XXXX XXXX XXXX, member of the XXXX XXXX XXXX XXXX XXXX # XXXX and white. I am the widow of a XXXX  Vet. he passed away XXXX XXXX. I call every week for updates but nothing happens, it has been 7 months to get paperwork to close this loan modification. I really would like help, I called local Legal Aid and they haven't called me back either. I don't have money for an attorney. I was my husbands care giver for 6 years our debt is do to this issue I can explain but not on this page.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc. (TX)

This is a 3rd time I am filing a complaint to Money Lion regarding my dispute ( dispute file # XXXX ) for a fraud transaction taken place on XX/XX/2021. Even after explaining and doing everything I can possibly which I was requested by a representative XXXX at Money Lion to prove money was never received by my bank or to me, even have performed a three way calling with the bank representative and confirmed they have never received the funds back but still Money Lion refuses to give my money back in the amount of {$1000.00}. 
This has been a very long process and a very much stressful frustrating experience. 
I will continue to fight for my rights as a consumer in receiving my money back from Money Lion on this fraud transaction because it is very much clear Money Lion still has my money because my bank confirmed they've never received in their system.
Consumer complaint received 2022-04-06
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: Choice Recovery, Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (CA)

In 2013 I obtained a credit card through Wells Fargo. I was arrested later that year and was unable to pay the card. My family and I promptly told the bank about the arrest and that there would be no payments made due to this development. The bank did not work with my power of attorney I had done and closed the credit card off as bad debt. Now whenever I apply for a small loan, I am denied due to " serious delinquency '', which I believe is related to the bad debt charge off by Wells Fargo.
Consumer complaint received 2021-06-18
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. (MD)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-06-24
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. (PA)

I have an alleged debt on my credit report reported by XXXX XXXX XXXX XXXX, stemming from XXXX University. I disputed it as it's older than 7 years and should not be on my credit report regardless if it's owed or not. I disputed it based on this. The response to the dispute was that they verified this item belongs to me. This does not address that it is older than 7 years. 

I submitted the dispute on XXXX/XXXX/20. I received a response XX/XX/20. 

Equifax also has accepted and closed the dispute, even though the response does not answer/resolve my dispute.