davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

Cease and desist ALL collection Activities. Account fraudulently opened in my name with MEDICREDIT is debt collectors Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. Harassment or abuse. Title 8 USC 809. Validation of debts [ 15 USC 1692g ]. A debt collector does not have the right to communicate without a prior written consent period. FDCPA VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY and multiple VIOLATIONS of FDCPA state and Federal laws, fraud, aggravated identity theft, extortion, theft by deception, intentional act of fraud and GROSS MISREPRESENTATION. MEDICREDIT is attempting to collect a debt on the basis of fraud!

I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting.

2. Verification of your claim against me. A signed invoice or sworn affidavit. 
XXXX. A copy of the contract binding both partieXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. The wek ink signature of both parties. 

united states constitution article 1 section 10 Clause 1 Treaties, Coining Money, Impairing Contracts, etc. 
No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.

Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Close account and do not contact me again or I will file a lawsuit for fraud, FDCPA etc.
Consumer complaint received 2022-12-28
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. (NC)

I asked the credit bureau to complete a thorough investigation of my report. They stated everything was accurate. After i completed my investigation, I verified there was multiple improper inaccuracies on my report. I have attached all account numbers and names to documents for review. 

In accordance with the fair credit reporting act my rights has been viloated. 

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 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2022, I paid and settled in full 6 collection accounts on all three of my credit reports, XXXX, XXXX, and Equifax. XXXX were reported within a week of settlement, XXXX notated as settled in full and XXXX completely removed. XXXX were reported per the collection agency, however, were not reflected on the credit reports themselves ( I disputed these ). I ran my reports on Saturday, XX/XX/2022 and the last XXXX were removed from what I could view. I contacted XXXX via phone and chat within the last week and requested information as to why my score has not been updated when XXXX collection accounts were resolved and/or completely deleted within the last XXXX weeks. I advised them that after the first XXXX accounts were updated, my score increased XXXX points or so, however, another collection account ( a utility bill from XXXX ) was added which dropped it back down XXXX points which seems odd considering it is XXXX account in comparison to XXXX. They initially advised me that there is an algorithm that calculates the score. They then advised me that the score does not get updated for 30 days after the account is updated, we know this is not the case considering the recent events and this is not the first time I've had an account resolved throughout my credit history. They had no further information for me. I'd like this investigated as to why my score is not being amended to reflect the recent resolved accounts. This is not only delaying my ability to purchase a vehicle but other products such as adding lines to my cellphone service with XXXX. My score is currently XXXX with XXXX, XXXX with Equifax and XXXX with XXXX. I have XXXX collection account on my report as previously stated that needs to be resolved, XXXX. With that being said, there is no reason my scores should not have increased significantly. 

Please note I can not upload relevant documentation including credit reports, payment confirmation ( XXXX ), and chat conversations due to error message.
Consumer complaint received 2023-06-20
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. (KS)

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
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 XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-20
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. (IL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-12-16
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Dear CFPB, I am writing to formally report a discriminatory delay in accessing my XXXX XXXX account, which hinders my ability to set up and manage automatic payments, ensuring timely payments. 

On XX/XX/year>, I was approved for {$4900.00} through XXXX XXXX, a " Buy Now, Pay Later '' service, to cover my purchase totaling just over {$4800.00}. I promptly received an email ( attached ) with instructions on how to access and manage my account. However, I have been consistently denied the ability to set up and manage my online account. 

The issue appears to stem from the verification process required by XXXX. When entering my U.S. cell phone numberone I have used without issue for years and which I also use to access another Citibank credit accountthe system fails to respond. Despite this, Citis representatives, including their Executive Response Unit, insist that the verification process may take up to XXXX  days to complete, leaving me unable to access and manage my account during this period. 

In an effort to resolve the issue, a representative mailed me a one-time passcode, which I verified promptly. However, even after a week, I still can not register for online account access. This excessive delay is not only unacceptable and discriminatory but also raises concerns about potential predatory practices. I believe this XXXX delay is intentionally designed to increase the likelihood of customers defaulting on payments, allowing XXXX to charge additional fees and damage credit scores. In today 's digital age, online account access and autopay are standard practices for making payments. 

I kindly request your assistance in addressing this matter to ensure XXXX XXXX provides timely and equitable account access to all consumers. 
Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I received numerous emails from Bank of America. It started at XXXX on XX/XX/2022 with an email stating an online application is in progress with a confirmation number. The another email to verify my email address. Then 2 minutes later I got your application was approved. Your new account is open. Next a welcome to online and mobile banking. Your enrolled in Online banking and mobile banking. Then an email that my email address was updated. And lastly, We're confirming your contact information has been changed. Your address or phone number was changed on XX/XX/2022. I drove to the local branch to ask about all these email 's that I am receiving because I never banked with Bank of America before. Or did I open an account today on XXXX. I was an authorize user years ago on my dad 's credit card. And the name on the account was the same incorrect spelling of my XXXX name that was on a credit card long time ago. Also, I am married now so my last name is no longer exist. I am guessing Bank of America got hacked. I personally don't think someone has all my information. Bank of America confirmed that an account is open in my name under my social security number. I was giving a XXXX XXXX XXXX number to call. I have been on hold for an hour and twelve minutes to get the wrong department. Now I am on hold again. Finally got a representative who started a claim. Next step is to do a security freeze on all three credit bureau. The representative claims the account was closed.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I applied and received a Capital One Credit card in XX/XX/XXXX. The company was offering a XXXX miles credit when spending a certain amount within a specified time. I fulfilled the criteria and booked an international flight using the miles credit. 
The flight was on XXXX XXXX and was to commence on XX/XX/XXXX. The reference # was XXXX the Trip ID is XXXX This flight was cancelled by XXXX XXXX. I called Capital One Rewards/Travel dept on XX/XX/XXXX and spoke with XXXX. XXXX assured me that, although the miles did not appear on my statement, that I had a {$940.00} travel voucher. I called the Travel/Rewards 2 times today ( XX/XX/XXXX ) The 1st time I disconnected after waiting for 2 hours. I called general Customer support afterwards, speaking with 3 different employees who all told me I would need to resolve the issue with their Rewards Dept. I called a 2nd time and waited an additional 2 hours. When my call was answered the employee on the other end listened to my problem and then appeared not to hear me. I was then disconnected. My intention was to book a couple of domestic flights in XXXX. While on hold I watched every flight I intended to book sell out. 
I am unable to 1. view my reward credits of {$940.00} 2.Book travel via the Capital One site using this credit or 3.Redeem this credit through XXXX XXXX, who say they are unable to rebook as it is a 3rd party booking through my credit card company. 
In addition to this I also have a XXXX miles I have not yet redeemed. My outstanding balance on the credit card is {$0.00}. and my payments have always been on time. I have included original flight information prior to its cancellation at the bottom of this email. 

Itinerary XXXX ( XXXX ) XXXX ( XXXX ) Flight Details and Seats Travel DatesWed, XX/XX/XXXX XXXX Passenger RefundabilityRefundable Rules, Policies, Cancellations Outbound : XXXX XXXX, 1 Stop, Premium Economy Wed, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Operated by XXXX XXXX XXXX XXXX XXXX XXXX Operated by XXXX XXXX XXXX XXXX Subtotal {$940.00} Booking Status Confirmed Airline Reference Number : XXXX Agency Reference Number : XXXX This fare is refundable Call XXXX to discuss your options to cancel or change this flight. 

Payment Summary Price Exclusions : For itineraries that include flights, the selected airline 's baggage fees will apply. For hotel stays, resort fees may apply. 

Trip Total XXXX or {$940.00} Miles Redeemed XXXX Miles Value Redeemed - {$940.00} Total Miles Redeemed XXXX Miles
Consumer complaint received 2022-07-29
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. (MN)

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXXBalance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2021-07-15
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. (NY)

good morning, please be advised I file a dispute with all three bureaus regards to inaccuracies on my credit report. I have disputed these items 60 days ago and I have not received any information on my credit report. fair Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has reported on XXXX ID # that they suspected me of fraud in XX/XX/17 for an amount of XXXX $ rtn XXXX XXXX. They have impacted me from getting any other accounts for my new business and personal accounts at any other banks. This information is wrong there was no fraud. I did own the account and I never did anything that should be reported as fraud. I demanded bank of America to remove this or show proof through XXXX XXXX but nothing has come out of it. I do know that I left the account in a negative balance but was going to pay it off as soon as I had the money. Also, I suspected Bank of America of adding more fees and changing the dates on the closed date with the intent to keep it on my report for a longer time. I tried opening a business account but with no success due to this reporting. BofA is acting like a XXXX loan shark and borders on the side of illegal.
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL PAYMENTS DIRECT INC. (NH)

I got a call on XX/XX/2022 from XXXX from a woman who said she was from a debt collection agency. She told me that my checking account payment was not cleared by XXXX XXXX and that I owe {$32.00}. I asked her who she was and why she was calling me and that my account was perfectly fine. She hung up on me. I called the number right back and spoke to someone else. I asked who this company is and what do they have to do with XXXX XXXX. She said she couldn't disclose that and asked me for my phone number on my account. I don't have an account with this company. Immediatly I felt uncomfortable. I hung up. 

I then called XXXX XXXX  and reported that this happened. They checked my account and everything was cleared and everything was fine on their end. They asked about the debt collection agency and the person I spoke to had no idea who they were. They asked about the phone call and I gave them the number. Now I'm really freaked out. 

I called the number for the " collection agency '' back and asked to speak to their legal team. I asked them where they got my information and I told them I don't have an account with them. They said I do. I asked them to delete that account information. They said I had to do it in writing. I told them again to delete my information and that I will report them to the police. I asked for their address and they refused to give it to me 3 times. Finally, she said she would give me their XXXX XXXX XXXX in XXXX IL. 

They kept asking me for my personal information. I repeatedly said no. When I ask for their personal information they refuse to give it so why should I give them mine? The person I spoke to was XXXX, and she refused to give me her last name, even though she requested mine. I told her I want all information they have on me mailed. I again requested my information be deleted. She refused.
Consumer complaint received 2021-05-05
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. (GA)

I opened an account with XXXX XXXX in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I am a victim of a data breach injury due to TD Banks inability to keep my information safe in the company.. I am filing a complaint for negligence and the inability to keep the information safe in the company. The damage this data breach has caused was my social online banking and social security being compromised. This also includes them demonstrating the lack of appropriate security measures. 

Recently my bank TD Bank called me through their typical number that has been posted on their webpage and banking app on XX/XX/XXXX. I answered this call and they told me that it was the TD bank fraud department. I handled this like I would handle any fraud case and gave TD Bank the information they requested because these people had all the information my bank would usually had including my name, my address, my online banking password and more. 
In the same session my online banking password was changed and I was locked out of my account. TD Bank tells me this was protocall and that they would give me a password soon. then the call ended. The next time they called me was on a monday XX/XX/XXXX and they say it was another fraud attempt on my account. They then ask for my social security. I gave them it because this is TD Bank 's company number. 
Then they hang up randomly. I then called TD Bank back to figure out what was going on and they told me that they had no calls from me on their system regarding a fraud case. They also informed me that they have been having alot of situations like this with hackers. hacking their customers ' systems and calling customers through their company number. 

TD Bank told me they are aware of these hacking situations and they did not inform their customers or do what they had to do to prevent this from happening. I have taken a few actions to prevent further injury but the bank is liable for this data breach and injury. 


I have proof of the Calls from TD Bank from the hacker and texts that can prove negligence and lack of action. And now I have the actual recorded call through TD bank admitting that they were arew of these breaches but decided to do nothing.
Consumer complaint received 2023-01-19
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.