davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (DC)

I had a Health Savings Account, " HSA Account # 1, '' at UMB Bank as part of an insurance plan with my former employer, a XXXX. When I left my job at the XXXX, I retained HSA Account # 1. I started a job with a XXXX XXXX. Through my XXXX XXXX job, I had a second HSA health plan, which also used UMB Bank as trustee for the HSA.. That resulted in me having a second HSA, `` HSA Account # 2, '' at UMB. On XX/XX/XXXX, at my direction, UMB closed HSA Account # 1 and contributed {$1200.00} into HSA Account # 2. HSA Account # 2 should have had some amount at that time. My Form 5498-SA reflected a balance of {$710.00} at the end of XXXX. 

I have since left my job with the XXXX XXXX. I would like to transfer the amounts from HSA Account # 2 into a new HSA account I have under my new insurance plan. However, UMB Bank can not " find '' the funds in HSA Account # 2.

I have spoken to UMB customer service twice, with no resolution. The first time, on approximately XXXX XXXX, XXXX, they told me that had to do some " research '' and they would call me back. They did not call me back. I spoke with them today, XXXX XXXX, XXXX, and had not figured out where my funds are. They said that HSA Account # 2 was terminated. At what point they said it had a XXXX  balance, and at another point they said there was {$970.00}. In neither case could they advise on what actually happened with the account, how it showed the balance they were seeing, or how I could transfer the funds to my new HSA. They wanted again to hang up and do more " research. '' But I do not believe that they would actually do that and get back to me. I was then put on hold when I asked to speak to a supervisor. I could not remain on hold long enough, and had to hang up. All told, I have spent nearly 2.5 hours on the phone with UMB and they can not tell me where my money is. 

Nor could they advise me on how to access my account information online for HSA Account # 2, so I could attempt to verify their information. They said that I had to contact the insurance company, but I had done that and they told me to contact the bank. Moreover, the bank clearly is the trustee on my account -- they do not dispute that, and that is what my Form 5498-SA says.

So what I need is : 1. A detailed transaction ledger for all of my HSA funds at UMB Bank, regardless of account. I need to be able to verify what happened to my money.

2. Clear instructions on how to transfer my UMB HSA funds into my next account.
Consumer complaint received 2022-10-12
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX - - -No Data XXXX  XXXX XXXX {$32.00} XXXX XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX - - -No Data XXXX XXXX XXXX {$37.00} XXXX  XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$10000.00} {$260.00} XXXX  XXXX {$0.00} {$0.00} XXXX XXXX XXXX U XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} {$100.00} XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$30.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX OF XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: Creditors Bureau Associates (TN)

Are you the original creditor? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MS)

To whom it may concern, I had a debt with XXXX and the debt was sold to I.C Systems. The debt was in the amount of XXXX dollars. The gentleman I spoke with regarding the debt offered me a settlement of XXXX and assured me that they do pay to deletes. I kept notes of every payment made, recordings of all phone calls, and also every notice sent in the mail. My last payment with my account was on XX/XX/XXXX. The following week I called to make sure that my account was paid in full and the young lady assured me that it was paid in full and even sent me out a notice stating that it has been paid with a balance of XXXX. When I called today to see when the account would be deleted from my credit report, theyre stating that I now owe a balance of {$210.00} because XXXX has very strict payment arrangements. When I made my last payment with them on XX/XX/XXXX. I asked them if I still owed a balance then why wasnt the balance coming from my account because I had my account set up for automatic payments. She stated that no bank account info was on file. I thanked her and disconnected the call and told her that I would be filing a complaint because at this point theyre trying to get more money from me than what we agreed and I refuse to pay a XXXX more. If documentation is needed, I will provide it.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (FL)

I recently obtained a copy of my credit report and MEDICAL DATA SYSTEMS I is currently reporting debt to my credit report and as allowed under the FAIR DEBT COLLECTION PRACTICES ACT, I am requesting that they allow me to validate the alleged debt. I asked to provide me with a breakdown of all charges, dates of service and procedures given including fees associated.Additionally, I am allowed under XXXX Law to protect my privacy and medical records from third parties. I do not recall giving permission for Medical Data Systems I, XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXXunable to provide a breakdown of fees including any collection costs and medical charges. 
XXXX.Unable to Provide a copy of my signature with the provider of service to my release of my medical information to you. 
XXXX. I asked to Cease any credit bureau reporting until debt has been validated by me. 
I requested for MEDICAL DATA SYSTEMS I to send this information to my mailing address and accept this letter as my formal debt validation request, which I am allowed under the XXXX. I advised that withholding the information they received from any medical provider in an attempt to be XXXX Compliant can be a violation of the XXXX because they will be deceiving me after my written request. I requested full documentation of what they received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt 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 their collection agency. Per the standard, you have XXXX days in which to respond to this request, I submitted request on XX/XX/XXXX and I have not received the requested information. 


MEDICAL DATA SYSTEMS I ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX : {$3900.00} Account # XXXX Collection opened : XX/XX/XXXX
Consumer complaint received 2022-02-25
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Sallie Mae originally handled my loan, which began in XXXX. XXXX! How is it that my balance is STILL the same? They mismanaged my loan and did not let me know of PSF or consolidating my loan. I've made payments through the years and it is disgusting. 
I've recently consolidated my former loan FELP? into a direct loan to take advantage of the non-repayment. What are my options now under this new temporary expansion of public service forgiveness? I have made payments and how is it that I am still paying something in XXXX almost 20 years later! It does NOT add up. I would like some clarity on this illegal business that is the student loan industry. Navient serviced it afterwards, and now it's fedloans. Tell me how a loan I took out in XXXX, is still at its original principle- twenty years later. They failed to tell me about FELP loans vs direct loans and the benefits. Disgrace.
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (PA)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2021-08-10
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. (LA)

I've been disputing inaccurate accounts with XXXX  for the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX XXXX account 6 months now with Transunion, this account Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance.This XXXX XXXX account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity TransUnion Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, and XXXX  XX/XX/XXXX XXXX XXXX XXXX has re- aged this account and reports an inaccurate Open account status by Transunion. This account is still inaccurate and Re-Aged which leaves Transunion, in violation thereof ... .. 
Transunion records both XXXX XXXX accounts inaccurate, I've been disputing these XXXX XXXX accounts for 6 months now with Transunion, these accounts Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance. Both XXXX XXXX accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been trying to communicate with Experian Credit Bureau for years on the same issue. They refuse to delete accounts reporting inaccurately on my credit report. They send me letters stating that the accounts have been verified, but refuse to show me proof that these accounts have been validated or verified to be mine. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX- # XXXX XXXX XXXX- # XXXX *XXXXXXXX XXXX- # XXXX Unauthorized Inquires : *XXXX  XXXX- On XX/XX/2023 *XXXX XXXX- On XX/XX/2023 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 consent.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (MI)

1. We mailed a check to our vendor on XX/XX/2022 Check Date - XX/XX/2022 Check Amount - {$15000.00} Check Number - XXXX Payable to - XXXX XXXX XXXX XXXX. 

2. Improper Endorsement was used by Huntington Bank. We have been working with bank from 6 months and no resolutions yet. We have proof of correct and false endorsements. 

3. We will upload proof of correct endorsement ( from previous payments ) and fake endorsement.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Called on XX/XX/XXXX at around XXXXXXXX XXXX XXXX - {$XXXX} charged to my account- I inquired with Bank Of America what the " Other Advances Fee '' is because there are no details about what this fee is for. It was explained to me by Bank Of America that part of this fee was due to Bank Of America visting my house to verify that me and my family were still living in our house during our hardship. Both me and my wife were unemployed in XXXX of XXXX and spoke with XXXX XXXX what programs if any are available to help us during this hardship. When speaking to Bank Of America there was no mention about these anciliary fees. Additionally we were reported negatively in XX/XX/XXXX while in this program. I requested to waive this fee as well as assist with the negative reporting to the XXXX XXXX 's since we were in contact with Bank Of America about our situation. There was no communication during any of our calls that we would be charged extra fees for entering into a program with them. I was also unaware that we would be reported negatively since we spoke to Bank of American as long as we were in their hardship program.
Consumer complaint received 2021-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

On XX/XX/XXXX I received information regarding a streamline refinance with Freedom Mortgage. Everything was approved and closing was scheduled for XX/XX/XXXX. Since I pay my payment bi-weekly and the XXXX payment wouldn't be completed until the XXXX, I was told to wait until XX/XX/XXXX to complete my closing. I was also assured that my automatic payments would be stopped after the XX/XX/XXXX payment. I was never informed that I needed to go in and stop the payments. I asked this on several occasions. Well my loan closed on XX/XX/XXXX and funded to the account on XX/XX/XXXX. I looked at my account and saw that the ACH had not been cancelled out yet and I took the steps to cancel it myself. I received an email that day that it the cancellation had been processed and no further payments would be taken. On Monday XX/XX/XXXX a payment of {$670.00} was withdrawn from my checking account. I called customer service and was told that I needed to submit a copy of my bank statement to initiate a refund. I could not submit a printout from my online banking system, but the actual statement, which does not come out for several weeks. I attempted to contact Customer service through XXXX and was told to send an email for them to review the account. I was contacted this morning by XXXX XXXX who told me that I have to wait 15 days and a refund will be processed. I asked why I have to wait 15 days when they took the money immediately, when they were not supposed to take anything. She was condescending and blamed me for not stopping the payment sooner. She then told me to contact customer service again. She is the most unprofessional one I have ever talked to at Freedom Mortgage and she should not have a place in any customer facing department. I am now waiting on the return of my money which could be anywhere from 15 to who knows how many days. I inquired about who was going to cover my other bills while I am waiting on these funds to be returned, and again I was blamed for the issue. Very unprofessional.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE (TX)

My wife passed on XX/XX/21 and has account XXXX with Charles Schwab Bank which contains {$100000.00}, Account XXXX with {$29.00} and I have not been able to get them to forward the funds. It is their reference number XXXX XXXX XXXX XXXX XXXX. They set up a call to me and forwarded the forms to complete plus sending them a copy of death certificate and the letters Testamentary. This was done and forwarded on XX/XX/21. XXXX XXXX is the person I have dealt with and they will not return a call. I forwarded the forms again on XX/XX/21 via fax and have had no response. 

Would appreciate any help you can give me on this matter.
Consumer complaint received 2021-08-10
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)

Reference to XXXX  XXXX XXXX correspondent date on XX/XX/2021 agreed to remove the inquiries date on XX/XX/2021. Consumer Reporting Agency denide to remove it and fix my credit score ( Increase ) as it should be.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AR)

On XX/XX/XXXX I responded to an online ad for skin cream by XXXX. I purchased a trail size skin cream and a trial size eye cream for {$5.00} and {$4.00} respectively. I paid with my Citi credit card. On XX/XX/XXXX I saw two charges for {$89.00} and {$87.00} on my card. I reported the fraud to Citi and they came back saying I had agreed to an ongoing subscription and therefore it was my fault. The two websites listed on the credit card statement clearly showed that purchases were a subscription and outlined how much would be charged, however, I never went to either of those websites. I went to one website through an ad on XXXX and purchased both at the same site. There was no mention of subscriptions on that site. I read the terms carefully. It was supposed to be the on- time purchase of a trail size product.I have an email confirmation of shipping from XXXX. 
I initially made a fraud complaint against the vendor for charging my Citi card with merchandise I didn't order. ( FTC complaint # XXXX ). I notified Citibank by phone and they said I had agreed to a subscription, which was false. The websites noted on the charges on my statement clearly show the subscription amount, but the website I ordered from had no such disclaimer. I sent all this information by mail to Citi bank with a request that they reverse the charges. In addition to not ordering the items, I never received any. I received my return receipt through the mail on XX/XX/2021 and Citi has failed to respond. They are complicit in this fraudulent activity. FTC Complaint # XXXX