davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: iQuantified Management Services, LLC (NY)

I received a text message XX/XX/XXXX from Quantified Management Services stating they were trying to reach me to collect a debt and that I could pay online or call. I figured it was a scam since I don't have any outstanding debt. 

I got a second text XX/XX/XXXX stating the same thing. I went online and entered the text 's reference # XXXX and was prompted to enter the last 4 digits of my social security #. I was not comfortable doing that so I called the number in the text. I spoke to someone named XXXX, gave the reference # in the text and asked for the name of the provider, date of service and the amount. XXXX told me she couldn't give me that information because of HIPAA laws unless I identified myself. I said the reference # should be enough since they sent it to me, that I was not comfortable giving the last 4 digits of my social security # to her or online, and that I believed this to be either a scam or a mistake. I told her to send whatever she had in writing. She said that was already done once on XX/XX/XXXX and that they weren't required to send it again. She did reveal the address the bill was sent to. I asked the person still living at that address if anything came in the mail for me. I was told no and that no mail had come there for me in years. 

Based on the address XXXX mentioned ( where I no longer live ) I believe I am able to piece together what this is about. In XXXX XXXX XXXX XXXX XXXX XXXX ILLEGALLY sent me a bill I DO NOT OWE for services totaling {$4400.00}. I then contacted my insurance provider, XXXX XXXX, and sent them a copy of this ILLEGAL document. 

The XXXX XXXX person I spoke to explained to me that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was paid what they were contracted to be paid by XXXX XXXX and that XXXX XXXX was in fact ILLEGALLY sending me a bill for the balance. 

XXXX XXXX sent XXXX XXXX a letter on XX/XX/XXXX stating that they ( XXXX XXXX ), PER NEW YORK STATE REGULATIONS WERE PROHIBITED FROM REQUESTING COMPENSATION OTHER THAN ALLOWABLE CO-PAYMENTS FROM FIDELIS CARE MEMBERS. ( MY CO-PAY AT THAT TIME WAS {$0.00}. ) I have attached a copy of the original ILLEGAL bill I received from XXXX XXXX and the letter from XXXX XXXX. 

This letter also included a XXXX Update which states that a XXXX RECIPIENT " MUST NOT BE REFERRED TO A COLLECTION AGENCY FOR COLLECTION OF UNPAID MEDICAL BILLS OR OTHERWISE BILLED, EXCEPT FOR APPLICABLE XXXX CO-PAYMENTS, WHEN THE PROVIDER HAS ACCEPTED THE RECIPIENT AS A XXXX PATIENT. '' XXXX XXXX obviously knew I was a XXXX patient because they had my health insurance information. 

I trust that this will resolve this matter and that Quantified Management Services will cease and desist requesting payment from me, will not report me to any credit bureau and will not resell this ILLEGAL bill to another agency.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-06-26
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)

in accordance with the Fair Credit Reporting Act XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (AL)

I had XXXX accounts opened on Wells Fargo and it was a checking and savings account. 
I did not open them. 
I called Wells Fargo and I asked them to close the XXXX accounts but they did not they said we can not close the accounts at this time because of some error on their end they were getting. 
I don't feel comfortable know that XXXX accounts were open without my consent or knowledge and it's frustrating.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

In XX/XX/XXXX  my wife tried to load {$260.00} into my cash app when cash app wouldnt let her so she sent it to me thru XXXX XXXX and I sent it to my cash app so I walk to the store on the phone with my wife my XXXX XXXX when my XXXX XXXX went dead so I had to pull my phone out my back pocket where my card was and I had a little piece of paper with PIN number on it and it fell out my pocket so I tried to retrace my foot steps to located my card while I was searching for the card I received an alert to my phone saying {$260.00} was taking from my account so I immediately contacted cash app via phone call and the app to try to stop it but it was to late so an agent assist me with filing a dispute and told me it would take 10 days to get it resolve after 1 day I received and email stating my dispute was denied its seem as if cash app is not protecting consumers money when it comes to fraudulent transaction me and my wife work to hard for our money and for someone to steal it and get told your dispute is denied confirms cash app supports fraud
Consumer complaint received 2022-06-26
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)

in accordance with the Fair Credit Reporting Act XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company.

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : XXXX XXXX XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have contacted the creditor and all three reporting agencies on XX/XX/2023, XX/XX/2023, and XX/XX/2023 times this year. They never provide any documentation substantiating with evidence or information to report the late payment on the Supreme Lending account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6.2, which states I have the right to privacy ( 15 USC 1681 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. Also creditor may not treat a payment on an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed, or delivered to the consumer not later than 21 days before the payment due date.

Statements are not delivered to me no later than 21 days before the payment due date. The statements are created on the XXXX of the month prior and mailed to me, thus not delivered until at most 3 days prior to the payment due date, and often, they are delivered after the due date.
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (NC)

Good Day, Thank you very much for allowing me to register this complaint with the CFPB on my behalf regarding the debt collection company Ability Recovery Services , LLC. This company has repeatedly sent me a copy of a contract agreement that does not contain any agreement to pay XXXX, XXXX for an alleged debt. 

I have requested that they forward me a signed contract, by me, to pay XXXX, XXXX and they have refused to do so. Additionally, I have asked for proof that this company is authorized and licensed to operate in my state to attempt to collect this alleged debt. 

I have requested to receive information regarding how they obtained my personal information without my signature to provide permission to obtain my personal data, which they have ignored as well. 

I have informed XXXX, XXXX that without proper VALIDATION, which has not been provided regarding this matter, they must stop all of their illegal attempts to contact me via email, mail, or phone and discontinue reporting this alleged debt to the credit bureaus immediately because they are committing a violation of my privacy rights and they are engaging in character XXXX. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (AR)

Ok well on XX/XX/year> my debit card was stolen after i gave a couple ppl a ride. On XX/XX/XXXX my card was used illegally at a XXXX store and an atm. Well i was informed of who done it and filed police report then disputed it. Well citi bank permenatly credited the atm XXXXne but the other 2 they didnt. Now all 3 of these happened the same day at the same place and time period and i wasnt anywhere near them i was home. And i got a text my card was used. So what i dont understand is what kind of investagation was done cause they say 1 unathorized but the other 2 wasnt and they decieded this in a day. They didnt even wait for me to send in my evidence or police report or pull camera feed. And how can 1 be true and 2 not when they happened same time and place. They didnt preform a proper investagtion
Consumer complaint received 2022-06-26
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. (RI)

Credit agencies did not remove item off my credit report that another agency removed. By law TransUnion should have reported the deletion of items to other credit agencies. 
Transunion removed items but XXXX  and XXXX kept items on my credit report.XXXX  and XXXX did not complete a timely or thorough investigation.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/2023 Bank of America closed my Corporate bank XXXX XXXX XXXX  ) for a still unknown reason. It is now XX/XX/2023 and BoA has still not giving me a date that they will release my funds. Every day I call BoA Risk department and they extend the closure date by a day or two. In this time some of my clients have accidentally continued to transfer funds into my Corporate account and instead of closing the account in a timely manner they continued to draw out the process and my clients are not recalling their wires because the Bank will not release their funds to me. This is criminal and as caused me to start to be late on payroll, taxes and my personal mortgage. I need a resolution and I dont know where to turn for help as BoA Corporate is no help!
Consumer complaint received 2022-12-29
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)

( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( 2 ) XX/XX/XXXX - XXXX  XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( 5 ) XX/XX/XXXX - XXXX XXXX- No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ///// ( XXXX ) XXXX XXXX- Certified Credit - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX XXXX - XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// Thank you
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

The personal information for my Kohls account is incorrect. I have notified the company on three different occasions that my name is incorrect on my account and card and nothing has been done to correct the error. My name is XXXX XXXX XXXX. But on my Kohls account and card my name is listed as XXXX XXXX XXXX. Please correct this error as soon as possible and notify any consumer reporting agencies of this error. Please see attached all supporting documentation.
Consumer complaint received 2024-11-20
Product: Credit reporting 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 am writing to notify you that I have been a victim of identity theft stemming from a data breach. Unauthorized accounts and credit inquiries have been reported on my credit file without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

The mortgage company is delaying progress in reviewing my loan modification application. I inquired the loan modification on XX/XX/XXXX. Uploaded documentation needed by XXXX XXXX. During the past XXXX XXXX weeks I have been asked for documents already uploaded to their portal. I also emailed the same documents. They are delaying the relief I need until my circumstances change. I have been paying two mortages on {$30.00} per hour pay. Both mortgage companies are operating in the same fashion. They are not taking the time to evaluate documents sent beginning XX/XX/XXXX. I sent my pay slips/stubs, several bank statements, spoke with several representatives with no movement on my review to modify this loan. 

The loss mitigation department took two weeks to tell me documents were missing. Upon confirmation by a customer service representative said the documents were there. I explained the current events of my tenants. This led to them asking for more bank statements knowing they haven't been able to pay any rent since XX/XX/XXXX. 

Now I am further behind on a loan modication work out plan because the loss mitigation department refuses to pull documents from the portal.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Opportunity Fund (FL)

XXXXXXXX OPPORTUNITY FUND DENIED MY CREDIT APPLICATION for reasons unknown. 12 CFR 202.9 states a credit score and/or insufficient income or trade lines are not reasonable reasons for denial. This company still furnished negative information on my credit report although there wasnt any means to since they did not want a banking/credit relationship with me. Under 15 usc 1692 I the consumer have a right to privacy, and furbishment of negative information which was also a violation, violated my consumer rights. I reached out to the company in order to make this right in good faith but they simply, did not care. I received a letter from them letting me know they did not care about my rights being violated and were not willing to make it right.
Consumer complaint received 2022-06-26
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXccount # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX Account # 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
Consumer complaint received 2023-04-20
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}