davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

My name is XXXX and my mother XXXX is assisting me with writing this letter. On XX/XX/2021 my mom was going out of town and gave me a debit card with {$50.00} on it for snacks. I had my card for a short while before I lost it.. I wrote my pin number on my card because I have a very poor memory. I have a low XXXX and I'm on an XXXX for school. I still have not graduated from high school and I am over XXXX years old. I have an XXXX of only XXXX. I did not tell my mother that I lost my card because I was embarrassed. My mom Nor myself did not know that this card was also connected to my savings. Someone must have found my card with my pin number on it and they took out XXXX XXXXXXXX dollars between XX/XX/XXXX and XX/XX/XXXX. The bank never notified me nor my mother of all the activity going on with my card.. Unfortunately {$4500.00} was taken. I have never given permission or received any money or merchandise from a merchant related to these charges. Navy Federal Credit Union has denied my claim of fraud.
Consumer complaint received 2021-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I reviewed a current copy of my credit report with incomplete and inaccurate information. I do not recognize this consumer contract. Also I attempted to on a number of occasions to reach out to to the creditor with no success. Please again update this account as deleted. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I called Capital One to close one of my savings accounts. I requested that the existing balance be transferred to my checking account. As part of the account closing process I was required to consent to Capital One reopening the account if there were any outstanding transactions. The customer service representative confirmed all of my data and there was no indication there would be any issue closing the savings account. On XX/XX/XXXX I was notified that a transaction in my checking account was declined. That is when I discovered that my checking account was closed instead of my savings account and the balance of my checking account had been transferred to my savings account instead. I immediately called Capital One to have this error corrected. The first customer service representative said there was nothing they could do. I was then transferred to someone else who explained that they would need to investigate my issue, review the recording of my call and the customer service representative 's notes, to verify that the error was Capital One 's and not mine. I was informed that this process would take up to 20 days. I was advised that if the error was Capital One 's that my account would be reopened. On XX/XX/XXXX XXXX received a follow-up email saying that Capital One had reviewed the issue and informed the customer service representative 's manager of the error. The email said that an account could not be reopened once closed. This is obviously a lie, since I was forced to acknowledge that Capital One would be allowed to reopen the account if they deemed it necessary. I replied to the email, and called the number on the email several times, indicating that this response was insufficient and unsatisfactory, and requesting additional follow-up. As of XX/XX/XXXX I have received no response to my repeated attempts to have this matter resolved. I am still dealing with the expense and inconvenience of my primary checking account being closed unexpectedly. That Capital One would acknowledge that closing the wrong account was their error, but do absolutely nothing to correct the error is unacceptable. I want my account reopened.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION ()

I have received 2 emails from the bank, stating that my online banking access has been processed, and that my email address has been changed, respectively. Both transactions were NOT initiated by me. 
I have called the bank. For the online access I have received a reference number and the assurance that online access has been blocked. For the email address, the back refused to revert the fraudulent change, for reasons which I not fully understand. 
I am concerned that the fraudsters will try again and be able to access my account, whilst I am not able to prevent this.
Consumer complaint received 2021-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hard credit inquiry to my account without any open accounts or any applications to my name initiated by me for credit by capital one bank. 
Made within past 6 mo. 2021 ( might have been XXXX, I cant remember ). Hard inquiry impacting my credit score.
Consumer complaint received 2021-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (AZ)

Nationwide Recovery System has sent a bill to collection as of XX/XX/2021 that has an outstanding balance of {$600.00} that's affecting my credit score and report. This bill has been taken care by my health insurance. I tried getting in contact to resolve this issue by phone and the debt collector does not have any contact information. Under Section 623 of the FCRA the debt collector should have all they're information for me to dispute of come to some agreement. I would like for this debt collection to be remove permanent from my report and send me an updated report to me personally.
Consumer complaint received 2021-08-03
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: National Business Factors (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 2022-10-22
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: Professional Finance Company, Inc. (FL)

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( Professional Finance Co ) for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail, Best Regards,
Consumer complaint received 2021-07-17
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. (PA)

RE : XXXX  NOTATION : I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED this ACCOUNT and its derogatoriness as being associated with the above-mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or inquiries and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently.

I am a Victim of identity theft. The Information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. { Identity item ( s ) resulting from identity theft that should be blocked, by name of the source, such as credit card issuer or bank and type of items, such as credit accounts, checking account. Etc. } Please Block this information from my credit report, pursuant to section 605B of the fair c redit reporting Act, and send the required notifications to all furnishers of this information Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from Identity Theft within four busine
ss days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Identity Theft Report Proof of Identity Copy of Credit Report Fair Credit Reporting Act section 605B
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (NE)

I am a XXXX survivor who had been receiving periodic testing & follow up care from XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I had lab work done every year for XXXX markers, and this was typically done every Spring. During XXXX, this testing was pushed out to XXXX due to COVID-19. In prior years, I was never charged for this routine lab work, though I may have been charged for certain other procedures or testing. For the XX/XX/XXXX lab work, I was charged {$400.00}. I made repeated attempts to dispute and research through XXXXXXXX XXXX  Billing Dept, through XXXX XXXX 's office, and through XXXX XXXX XXXX. XXXX advised me that it was due to the way the claim was filed. XXXX and XXXX said that the claim would have to be refiled as XXXX instead of XXXX. XXXX XXXX, XXXX in XXXX XXXX 's office advised me by phone in XX/XX/XXXX that she would do that, although her verbal comment was not included in any of her email communications. She explained that XXXX had been taken over by Tenet Healthcare and there had been several billing errors during their transition around the Fall of XXXX. Billing had been paused during research, but I received another bill in XX/XX/XXXX since the claim was never refiled. It is now apparent I can not get this resolved through Tenet/XXXX or my insurance. My position is that I should have been billed the same in XXXX as I had been in prior years. I would not have had this lab work done if I had known I would be charged {$400.00}. " What changed '' seems to be Tenet Healthcare 's billing practices, and I was not notified this otherwise routine lab work would be billed differently until after it happened.
Consumer complaint received 2021-08-03
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. (GA)

Back in XX/XX/2021, XXXX XXXX XXXX  kept calling me about an issue and I was like why are you all constant calling me I don't have any products or credit cards with you. Come to find out my old roommate had got an account in my name.. I ask XXXX XXXX XXXX what I could do about just paying it because I was ready for this mess to be off my credit file. I was going through XXXX at the time. They instructed me pay the agreed amount and they would mark the account as fraud account and have account updated and removed from all three credit bureaus, and would possibly refund money back to me for the pmt. They never refunded me or removed account, they updated but never removed account. They scammed me out of the money by agreeing to remove this account.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (WI)

I have been disputing several accounts with XXXX XXXX, XXXX XXXX XXXX, and Navy Federal Credit Union that are negatively reporting on my credit reports. 

I have requested debt validation statements and information in writing showing that I owe a debt with the companies in question and the debts legitimacy with proof of signed contracts agreeing to the debts, and statements showing I personally accrued the debts and if the companies in question can not furnish all documents proving the legitimacy of the debts to the three major credit bureaus and myself via USPS certified mail with the companies in question or to have these accounts removed from my credit reports. And have no future reports to my credit from the companies in question.

All request have gone ignored and not furnished from any of the companies in question.

I have also disputed the inaccuracies with the three major credit bureaus and they have no removed the items. 

As of today XX/XX/2021 I spoke with a XXXX  representative and I was told a creditor can report whatever they want to my credit without supplying any information of the debt being legitimate.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

I filed a smalls claims against XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX  ga XXXX. They countered with a wrongful eviction and missed there own first court date. They then filed again, the judge issued no money judgment/ its court records. Ive attempted several times to have this removed from my credit and they have not, they also listed multiple address, and incorrect spelling of my name and the dollar collectors is demanding once again was ordered by the courts over county no money judgement owed to XXXXXXXX XXXX XXXX XXXX by XXXX XXXX
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

Shellpoint mortgage is reporting late notations for XX/XX/XXXX, XX/XX/XXXX. I called them because of this exact problem and have gotten no where. I put my account on forbearance at this time because I was in between jobs. They assured me that no late notation would appear on my credit file. However, I checked my credit and sure enough there was late payments. Like I stated, I was just waiting to get another job because things got rocky when Covid started at my previous job. I was never late before this and have been on time since, had I known that there were going to be late payments I would have figured something out.
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion continues to report items on my credit profile that are against the FCRA Title! 5 1681b2 which states that written consent has to be given 2. medical information is an exclusion as it can not and should not be reported. i asked for a copy of a wet ink signature to no avail. anything outside of a wet ink signature is counterfeit, and violations of the FCRA 1. XXXX XXXX 2. XXXX  3. XXXX XXXX
Consumer complaint received 2021-07-16
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)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am XXXX that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. Other information I would like changed. Balance of the account is wrong. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

Please correct/update this inaccurate information on my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2021-07-16
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: CITIBANK, N.A. (WA)

I placed an order from a website called XXXX in XXXX using my Citi Bank Card. I received the order and it contained an item that I did not order, and item that did not match the sizing description and another item of very poor quality. I contacted the customer service email at XXXX only to have them reply to me that they would offer me {$12.00}, a fraction of what I paid or I could pay to ship all the items back at my cost overseas. They will not provide a phone number to reach anyone at, and will not refund my money or provide a prepaid shipping label. I did not agree to the {$12.00} refund, which is what they did send me and I do not agree that I should have to pay for returning an item that is incorrect, and two other items that one does not match the sizing provided on the website and one is of terrible quality. I filed a dispute with Citi Card ( Dispute number : XXXX XXXX ) only to have them tell me they can't do anything until I send the items back to XXXX. It will cost over {$40.00} for me to send the items back that I did NOT order, that do not fit or match the description on the website and the merchant has no phone number to call and will NOT provide a return label. Citi Card is refusing to protect one of its customers from fraudulent charges from a merchant that fails to send the products ordered and has done a terrible job with it's customer service. Why would I go out of pocket another {$40.00} only to 'hope ' that Citi is actually going to get my money back after I send the items overseas? That doesn't make any sense. The merchant sent the wrong items in the first place.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 


XXXX  XXXX XX/XX/2016
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC did not communicate to us about closing our account. We used the account to pay for mortgage and utilities and our transactions got rejected. Here 's the timeline : XXXX XXXX XXXX - Opened joint ( me and my wife ) checking and savings account >> XXXX XXXX and XX/XX/XXXX - HSBC fraud operations requested authorization for social security information for my wife >> XX/XX/XXXX - ACH payment to utilities rejected ( utilities provided error message saying account frozen ) >> XX/XX/XXXX or XXXX - Called customer support and they said no issue or block on the account >> XX/XX/XXXX - My wife emailed authorization to HSBC XXXX email with the provided reference number >> XX/XX/XXXX - ACH payment for mortgage rejected ( Bank charged me {$15.00} NSF fee ) >> XX/XX/XXXX or XXXX - Called customer support and they initially said no issue but on explaining the rejection, they found that the account is in the process of closing and asked me to call Fraud operations ( available only from XXXX XXXX XXXX XXXX XX/XX/XXXX - Called fraud operations since my account was suspended. Only now I came to know it was because they did not receive the SSA authorization despite us emailing it on XX/XX/XXXX. 
XXXX XX/XX/XXXX - the Fraud operations team could not provide when my funds will be returned. 

No where in this entire period did we receive any communication that our accounts will be closed or our account is frozen. I do no know when my funds will be returned. 

The customer support told that HSBC tried to call me. I don't pickup calls from number I don't know. They did not leave any voicemail, send me an email or a letter by postal mail.