davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (NY)

[ I've disputed account numbers : # XXXX + # XXXX ] With the collections first requesting for validation of the debt and HIPPA authorization, and received letters back rejecting my dispute. My next step was to reach out the bureaus which they've also refused to comply with my request in dispute. 

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 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. They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Credit bureaus have stated that my accounts were properly investigated. This is not possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This constitutes grounds for removal. The following List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX BANK Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has violated my rights. 
US DEPT OF EDUCATION Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A : Which states I have a right to privacy.

15 U.S.C 1681 Section 604 A sec. 2 : Which states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My account was charged off in XX/XX/XXXX with a balance of {$35.00}, XXXX. The same account is charged off again XX/XX/XXXX and XXXX, XXXX with a new balance of {$36.00}, XXXX by XXXX and XXXX respectively. I had noticed a change in my account balance by XXXX and XXXX. This prompted me to send letters to the 3 credit bureaus because my account information/ balance should be uniform across the credit bureaus if it is coming from a single source ( XXXX XXXX ). Subsequently, XXXX simply updated my balance from {$35000.00} to {$36.00}, XXXX with a new charge off date of XXXX, XXXX. This doesn't seem right because the same account should not be charged off again. Also, it doesn't make sense that 3 credit bureaus are reporting different information from a account that is coming from a single source. 

XXXXXXXX XXXX is aware of this as I also requested for a full validation of my account, including the original signed contract with my signature.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (WA)

in XXXX of XXXX  i made a purchase at XXXX and then got in the mail a denial letter for a credit card application i never applied for. the bank being Comenity XXXX XXXX. XX/XX/. this was done without my knowledge.
Consumer complaint received 2016-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (IL)

Since XX/XX/2016, I have been in constant contact with my servicer Fedloan regarding my Direct Loan / Public Service Loan Forgiveness Program case. My case has been reviewed a few times by them. Sadly, it appears every time they have a " systems update '' like this past weekend ( XXXX 2016 ) on the online system they use to track my payments towards loan forgiveness ; the updates create a glitch that causes number of payments and /or dates of when the forgiveness will occur to go haywire. At times, the payments and dates do n't match the letters they send me indicating the number of payments left and date of forgiveness based on the tracking form I send every year. A perfect example, overnight this weekend after their " update '' the tracker increased my payments by one month. When I call they are very helpful. And for a few days I will see changes in my account. But it 's has gotten to the point where I am needing to call them 2-3 times per month and each time a " review '' is created. I wanted to file this complaint as it appears to be the only avenue I have. The last time I called, 2 weeks ago, the representative told me there was info on my account about me living in XXXX County, Florida. I have never lived there! She said she would send the problem for a review. It seems the reps can never fix anything on their own or transfer you to someone that can. It is an easy company to work with and the problems just started this year after a XX/XX/XXXX " systems update ''. Either this company needs help or I do!
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Health Care Management Services, Inc. (GA)

i went to emergency room and was given a perscriptin for ibuprofen, they never gave me any options on test, how much test would be or asked me to sign giving my signature for tests. the actually did nothing and sent me home. i later got a bill, told them i was unable to pay that much, i never heard back til i got the collections, These actions by XXXX XXXX XXXX was a violation of " balance billing '' under the NO SUPRISE ACT. MY RIGHTS WERE VIOLATED.
Consumer complaint received 2023-01-19
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. (AR)

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$94.00} XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXXXXXX 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 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 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 XX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and please remove the disputed items as soon as possible.
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation (CA)

Universal recovery cooperation. 

I called them to pay my husbands death off and the guy I talked to was so rude I hung up on him. I told him I would pay him Thursday when I get paid and I wanted him to work with me but he refused. He wanted me to give him my account infoation and I refused I told him I would call back Thursday and pay it, he was yelling at me and saying I was like everyone else a talker I told him no I 'm not like that I told g I contacted you to pay that bill and not the other way around and it is not even my bill so he should be happy that I contacted him to pay it. He said if I would n't be like everyone else I should not have a problem to give him bank account information. I told him no you wait he would n't stop yelling at me so I hung up in him. Later XXXX I called with some questions and he was an XXXX again. My husband finally took the phone and asked for his supervisor she got in the phone with my husband and was rude as well. And they keep saying if y dot pay it today it will be more in XXXX days what dosent make since
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (IL)

I have been charged by property management ( XXXX ) for leaving apartment filthy however have photos and dated videos showing proof that I did n't. The management was notified and I was told that I was wrong and charges will stay, because this is how they do business and they always get paid. After 7 attempts of settling what was actually owed. I was informed debt was being turned over to collections because they always get their money. I contacted the collection agency Hunter warfeild in writing informing them the debt was not valid. They said they will investigate and notify me. This never happened and now this illegal and trumped up charge is on my credit report. Would love the chance in court to prove my innocence.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/20 promotional interest was applied to my account. 
My payment was due XX/XX/20. 
My statement cycle ended XX/XX/20. 
Is it possible to have this interest amount adjusted? My work has been affected by the Coronovirus/COVID-19 and that savings would help better provide for my family during the period of uncertainty. Thank you for the consideration.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

This is the 3rd complaint Ive filed towards Wells Fargo. On XX/XX/year> there was a charge of {$700.00} and I disputed the payment because I did not make that payment. Wells Fargo denied it because the person who committed the fraud was able to input my billing address and name and the package was delivered in the same city I live. Wells Fargo never once contacted XXXX to check the tracking number to see where it was delivered. Since they denied my claim they sent me the records and told me I have to contact XXXX and go to the police to file a report since its out of the banks hands. I got the address and name of person who it was delivered to from XXXX. I went to the police and found out found out who the person was that stole my debit card info and how it happened. In XXXX my car battery died and I contacted XXXX who sent over a tow truck to change my battery, the man who took my payment is the XXXX who stole my debit card info. That is how he was able to input my person info, because he was dispatched to my house and took my card to his car because he said he had to call the office the run the payment. I have proof and the police are investigating. He lives at the address where the package was delivered and has the same vehicle for the parts he purchased. The officer that is helping me called Wells Fargo on XX/XX/year> and told them of the situation. He told me that the person he spoke to would help me reopen my claim. I called Wells Fargo that same day and gave them the reference number to the police report along with the story of what happened. Despite of all this, I got a letter in the mail stating that they denied my claim again because they still think I made that purchase. I have done everything they told me to do even have proof that Im a victim of fraud and Wells Fargo continues to deny my claim and wants me to pay for my thiefs purchase. I am so disappointed that this hasnt been resolved and I dont know what else I can do. I even contacted XXXX and told them of the situation of their employee stealing from me and a claim was opened with them as well. I have a police report and its been determined a suspect was located. The police are Working on criminal charges and filing charges with the XXXX XXXX office. What else does Wells Fargo need for me to prove that I didnt authorize this purchase? I attached documents that show my receipt from XXXX with the suspects name on it along with the email from XXXX  that shows his initials with delivery address and another document that shows the suspects full name and address.
Consumer complaint received 2016-03-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX/XXXX/XXXX I initiated a payoff of my Target REDCARD Credit Card ending XXXX. I have not used my card since that date and was under the Impression my account was in good standing, Target has hassled me since the card was opened in XXXX XXXX about the credit limit and paying the card down, every time the card was reduced by a substantial amount, Target decreased my credit limit affecting my credit score. I have logged into my account previously to make sure there were no residual payments or interest but I have not used the card since paying it off. 
It turns out that I was going to check my limit recently and found out Target closed out my Account without notifying me in writing thus drastically affecting my credit score and credit history with Target, this is something that Target should have notified me in writing that was going to occur and thus is hurting my credit.
Consumer complaint received 2024-10-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc. (NJ)

I created a CD with Bread Financial, aka Bread Savings, for 250k on 8/17/2023 for one year term. Their default setting is to auto-renew CDs, and they do not even let you set your preference to close at maturity. I asked them to close my CD on XX/XX/XXXX and XX/XX/XXXX. Then they put my account on protection for no apparent reason and asked me via chat to call them. I called them and verified my details. Then I spoke to a rep on XX/XX/XXXX, and asked them a 3rd time to close my account and send me a check. At that time they told me that to send me a check they wanted to charge me {$15.00}. I told them that I would not want to pay that amount of {$15.00}. The rep was very condescending to me and kept saying, " really? for a check of XXXX you can't pay {$15.00}? ". Then she said that they would submit a waiver request. I asked the rep for what the next steps are and they said they have requested a waiver and will send my check. They made it sound like my check would come in the mail. That's when I stopped tracking this case from my side and waited for my check. 

They sent me a chat message on XX/XX/XXXX informing me that a a check fee waiver was denied and asking me how else I would like to proceed - ACH or external account or check with {$15.00} fee. This was the day when my " CD grace period '' was supposed to be over. They never reminded me of it. I was busy sending my kids to college and school and this case slipped my mind. 

Then on XX/XX/XXXX, I saw the message and tried to create a savings account with Bread Savings so I could at least move my money from CD to savings and then figure out how to move it from Bread Savings savings to another bank. When I tried to move my money within accounts, it would not let me. So I asked Bread Savings to move my money to the savings account. That's when they said that my CD restarted. They are an online bank and there was no message or notification or email from them saying that my CD was renewed. They renewed my CD despite my asking them to close my CD THREE times. If this is not their fraudulent and unethical way of keeping my money locked then what is? 

Now when I called and asked them to give me the money that I desperately need, they are suggesting that I close the CD with a penalty of XXXX.
Consumer complaint received 2015-06-11
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America ( BAC ) sold accounts to XXXX XXXX. My accounts were part of the sale. I chose to go with a different bank. I called XXXX on XXXX/XXXX/15 and requested closure of XXXX checking accounts, XXXX money market accounts ( MMA ) and XXXX visa. Accounts were closed immediately for all but XXXX MMA. They said because it was over {$20000.00} it had to go to the Back Office for closure and would take about XXXX business days. On XXXX XXXX I received a letter ( it was dated XXXX XXXX ) from BAC saying I needed to sign and have notarized an authorization form to close the account ( BAC Reference # XXXX ). Same day ( XXXX XXXX ) I signed, had it notarized and deposited in the mailbox ( in an envelope provided by BAC ). The following Tuesday or Wednesday ( XXXX XXXX or XXXX ) I called to verify that the document was received and the account closure was in progress. They could not verify that it was received but said the account closure was not in progress. I offered to scan and send a copy of the form. They said they could n't close the account off of a copy. I was also told it may take a couple of days to process the request once received. I called back again on XXXX XXXX and talked to a manager, XXXX, who said he went into the system and requested immediate closure ( BAC Reference # XXXX ). He said he did n't need to notarized document to do this. I called back on XXXX XXXX and was informed by a XXXX XXXX that the ticket was closed but the account was still open. No action was taken to close my account. I asked to speak to a higher level manager so that I could get my account closed and receive my money. XXXX XXXX said he would have his manager contact me. I have never been contacted. It is now XXXX business days from the original request to close ( XXXX XXXX to XXXX XXXX ) and my XXXX larger account is still not closed. All other accounts are closed. I was never provided checks for this account and there is not a Bank of America office where I live so I have no other way to get my funds and get my account closed except through this process. Had I known the issues I would be facing now I would have transferred most if not all of the funds to my checking account before requesting closure. It is my belief that Bank of America is stalling on closing this larger account so that it is transferred to XXXX XXXX and the portfolio of deposit accounts/relationships sold to XXXX XXXX remains higher than what it would have been if accounts are closed as requested. I suspect others may be experiencing the same issue that I am.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Capital Onedid not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Capital Ones custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Capital One promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Capital One was in compliance with its own policies and procedures ; ( v ) whether Capital One owed duties to myself, what the scope of those duties was, and whether Capital One did not uphold those duties ; ( vi ) whether Capital Ones conduct was unfair ; and ( vii ) whether Capital One has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Capital One must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. 
The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. 
Granted, there is room for diversity of view XXXX  as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element.