davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (OH)

THEY BREACHED HIPPA. 
I received an account in collections through Capio Partners with absolutely no written notice. No phone call, or anything related to debt. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, so not only was there a failure to file a written notice they breached my right privacy through healthcare.
Consumer complaint received 2022-06-23
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. (VA)

In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX  XXXX Bankruptcy Discharged XX/XX/15 XXXX XXXX {$740.00} acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX  acct XXXX XXXX XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX, XXXX PXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX  acct # XXXX U.S Dept of Education {$1100.00} acct # XXXX XXXX {$530.00} acct # XXXX, {$1100.00} acct # XXXX, {$3300.00} acct # XXXX, {$2300.00} acct # 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.

There is no third party that assisted the generation this letter.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Central Portfolio Control Inc. (CO)

I got an email from my bank ( XXXX ) stating that there was a negative item on my credit report, and I should check it. According to XXXX, XXXX  reported a collections account from a company that I've never done business with. When I tried to use XXXX XXXX online system to dispute the report, I only received error messages on their page. I will call them as soon as they are open and complain.
Consumer complaint received 2022-03-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (FL)

I NEVER had a mortgage with Nationstar Mortgage LLC. NOR did I have any debt collection on my mortgage. I was in forbearance due to covid with XXXX XXXX XXXX XXXX and that loan was paid in full in XX/XX/22. This has negatively affected my credit report and is fraudulent. If I could I would like to press charges.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

This will be my last time filing a complaint with Wells Fargo on CFPB. I am under the impression of Wells Fargo 0 % liability for fraud purchases. I completed the steps needed in order to guarantee my {$870.00} back ( claim # XXXX ). I have offered to provide my own evidence and waited to be contacted about the case. No one ever contacted me, Even though, I was told a representative from Wells Fargo would contact me for more information regarding the claim. I have asked multiple times for valid proof that the charges from my claim were not fraudulent, but you all have yet to do this. I have asked multiple times, and never receive a response. I dont believe a thorough investigation was completed without the help of myself or any substantial evidence being located by the bank. I have documented every encounter and included the companys response to every single one of the encounters. If you all know for a fact that the charges werent fraudulent, then it should be absolutely no reason why you all can not provide that evidence. I have been patient, and I have tried every possible route to receive my money. 
I will looking to file a lawsuit for {$10000.00} since in Texas, that will allow me to bypass state/federal court. With all of the very recent multi-million dollar lawsuits against Wells Fargo, including fraud, scandal, overcharging of customers, and more, it only provides more backing for my lawsuit.
Consumer complaint received 2020-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

My name is XXXX XXXX XXXX. My bill was processed under the name XXXX XXXX ( one word ). My name prior to marriage was XXXX [ XXXX XXXX ]. 

On XX/XX/XXXX I had a car accident in which I was not at fault. I was assured by XXXX XXXX  ( both my insurance company and person-at-faults insurance company ) that all expenses would be covered by the other partys insurance policy. 

A bill was never sent to me and I discovered a collection debt of {$900.00} ( before interest ) while checking my credit score. This was the sequence of events that took place. 

XX/XX/XXXX - Collection Filed Without Knowledge XX/XX/XXXX - I discovered the debt on XXXX. 

XX/XX/XXXX - I called the collections company Wakefield & Associates to ask them to provide a bill. I provided my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and they agreed to send a bill. 

A few days later I spoke to XXXX XXXX and they re-assured me that they will take care of the bill once I present it. 

I waited 45 days and never received a bill. 

XX/XX/XXXX - I called Wakefield & Associates and told them I have not received their bill. The man I spoke to was XXXX. He was abusive and rude and refused to send a bill, claiming he had already sent it and he was not going to send another. He said the only way to fix this is to pay by phone right now and he demanded my debit card information. I didnt want to pay because this bill is in error and I have still yet to receive it. 

On XX/XX/XXXX, I spoke to the company that handles the billing for the hospital and they agreed to send the original bill ( prior to collection ). 

They sent me a bill that has the description of the charges which total {$900.00} but the amount owed shows XXXX, since it has already been sold to Wakefield & Associates. 

Here is all the info from that bill : Physician group : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Location : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Primary Insurance : XXXX XXXX XXXX Account # XXXX XXXX Tax ID # XXXX - XXXX XXXX is responsible for paying this collection debt to Wakefield & Associates, not me. XXXX has already agreed to pay but I have not been able to obtain any information from the collection company to follow through with the process.
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Last XX/XX/2021, I sent the credit reporting agencies letters notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Consumer complaint received 2019-10-24
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2022 - My husband was able to work into Navy federal Credit union and make changes to my savings account without my permission. 
I am the sole owner of my savings account-This was not a joint account. 
XXXX XXXX XXXX XXXX made a demand that he wanted his name off of all of my accounts. 
Instead of contacting me about this matter they aloud him to make changes to my account. 
So, how safe is my money? Can anyone walk into the XXXX branch in XXXX, Texas and make changes. 
They explain that XXXX XXXX had hacked my account- He was not a authorize to look or make changes but the XXXX let him make what every changes to the account. 
no, your spouse can not make changes to any of my account unless it is a joint ownership. The saving account was not joint. 
XXXX XXXX did not hack the account XXXX gave his permission to make changes on my account and this is against all banking regulations.
Consumer complaint received 2022-04-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello Transunion, I need your immediate help. XXXX XXXX is reporting on their website that you are reporting a {$12000.00} collection from my Transunion credit report. That is inaccurate. I do not have a collection account. Please clear this issue up quickly with XXXX XXXX and all other reporting sites since this is a serious issue. 

I have attached a copy of what XXXX XXXX is reporting. The collection is highlighted. The student loans and credit card amounts are correct, but the collection is totally wrong. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (OH)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I purchased a {$300.00} Vanilla Visa gift card at XXXX on XXXX. I made 3 purchases : XXXX to XXXX XXXX for {$28.00} XXXX to XXXX XXXXXXXX XXXX  for {$26.00} XXXX at XXXX XXXX for {$6.00}. I went to use the card in the first week of XXXX. It was at this time that I realized the remaining {$230.00} was used fraudulently. I immediately contacted XXXX XXXX, followed their steps and filed a dispute form on XX/XX/2022. I researched all of the transactions and provided them with detailed information of where/when/amount that my card was fraudulently used. I was able to recover {$9.00} of the {$230.00} from one vendor. I received a confirmation email on XXXX XXXX XXXX  that my dispute ( I can provide the case number later if you need it ) was received and to allow 90 days for their review/decision. Once the 90 days was up ( XXXX ), I repeatedly contacted the Vanilla Visa customer number at XXXX. I was always getting the answer of " call back in 24-72 hours and we will have a decision ''. This never was the case. After many, many calls to them, I finally received this answer on XXXX from them : The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account. Your claim is outside of this timeframe. Unfortunately we have no rights of recovery. At this time, this dispute has been closed. Today, I received a new Vanilla Visa gift card in the amount of {$9.00} ( for the charges I got recovered ). I have not activated yet, nor do I plan to until I get a resolution on the remaining {$220.00}. On XX/XX/2, I received an email that a replacement card was requested on that date and to allow 7-10 business days. Even with the holidays, it has been longer than 7-10 business days.
Consumer complaint received 2024-11-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I was given a {$300.00} gift card that says its a XXXX but the card says prepaid balance.com. The gift card was purchased at a XXXX store on XX/XX/year>. I have tried to use the card multiple times and every store says the card might be fake.
Consumer complaint received 2021-07-06
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: Kentucky Higher Education Assistance Authority (NY)

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

A incorrect error was placed on my XXXX, XXXX, and XXXX credit report that is saying I owe the Loanshark company called LoanMart as back in XXXX A title loan from wheels XXXX XXXX, XXXX XXXX LoanMart as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by Loanmart was actually {$2900.00}. Loanmart was sent a few years ago a Validation of Debt via Certified mail which they ignored and never responded to my request. They were sued already by the State of XXXX XXXX  XXXX XXXX XXXX. Loan was had illegally accessed my DMV information without permission that they had no authroization to do. Loanmart fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, XXXX, a nd XXXX said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named Loanmart . This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per XXXX and they said they don't have to do anything.
Consumer complaint received 2022-04-09
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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 2020-11-18
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

I have had a Wells Fargo checking account for over 40 years. Most recently, it has been a Wells Fargo Prime checking account, which charges a {$25.00} per month fee unless {$20000.00} in qualifying balances are maintained. A few months ago, I got a notice from Wells Fargo that my account was being changed to a Premier checking account. The Premier checking account charges {$35.00} per month unless {$250000.00} in qualifying monthly balances are maintained. I have always maintained adequate balances to qualify for the fee waiver at the {$20000.00} level, but could not possibly maintain balances of {$250000.00}. I should also add that the benefits to the customer for this higher level of fees are insignificant. 

Wells Fargo did not seek my approval in making the change, and did not offer guidance of what I should do if I did not want to accept the change. I had to figure it out and initiate action in order to keep the product I had chosen and been satisfied with for many years.
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (TX)

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 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items of 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 2020-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC (AZ)

The name of the debt collection company is Harvard. Today I received a call from XXXX XXXX XXXX XXXX. Caller ID showed XXXX XXXX. When I answered a person who barely spoke English and spoke with a heave accent, either XXXX or XXXX, asked for me by name and identified as being with Harvard Collection. I believe they are using this caller ID scam as a ruse to trick people into answering their phones. This is deceptive and they need to stop! I do not even know what type of debt they are trying to collect and I have been a victim of identity theft so it may not even be legitimate.