davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (WA)

This debt has been disputed MULTIPLE times. When they have called, I have asked for things in writing. The only paperwork received is " settlement offers '' - no verification of debt. 
The medical procedure they are claiming this debt was for was paid by my health insurance. 

It is being reported to my credit, and when I called to take them up on one of their " settlement offers '' to get it off my credit, they refused because I would not provide my financial information. 

My financial information was not needed for their " settlement offers '' previously and they refused to work with me unless I disclosed my financial information.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION (TX)

Payroll Card issued from Comdata. I have over {$3000.00} of charges made at XXXX and XXXX and all were unauthorized. I Contacted Comdata and they have refused to provide me the details of the individual charges and will not mark these charges as fraudulent. 
Because the have not provided me the details I can not file a Police report with the specfic dates and amounts charged on the card. I spoke with them on XX/XX/XXXX and attempted to file a claim with Comdata. They have declined my request for a claim and have not been able to answer how a card can be used without Pin number being used at check out. 
I was i possession of my payroll card all the time. How can someone got to XXXX and XXXX make purchased without my card being used. I believe possibly ATM machine use compromised my Account.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and blatantly ignored in my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Re : Charles Schwab Banking Checking Accounts ( ALL LOCKED ) : # XXXX : XXXX Current Balance= {$2400.00} Opened on XX/XX/2022 # XXXX : XXXX Current Balance= {$1100.00} Opened on XX/XX/2022 # XXXX : XXXX Current Balance= {$0.00} Opened on XX/XX/2022 Charles Schwab Banking has locked all three of my checking accounts for almost two months now. I have funds in my first two checking accounts and I had full access until the lockout happened shortly after XX/XX/2022, which is the date I had opened my third checking account. Schwab banking required knowledge that I, the customer, had purposely opened all three checking account. I had professed yes to a Schwab banking phone representative who then sent an email request to their fraud department to unlock my accounts. The call was logged on XX/XX/2022. This type of request for resolution happened many more times with my logged phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I'd also walked into a Schwab branch in XXXX XXXX California before and on XX/XX/XXXX and XX/XX/XXXX, where I had provided copies of my California driver 's license and my USA passport. Their in-branch representatives forwarded those copies to their fraud department, requesting for my accounts to be unlocked. I was told by all Schwab representatives that the fraud department can only be contacted by email or mail and there is no other method to contact them by phone, not even by them. I find that very suspicious. I also find suspicious that I have not once been contacted by Schwab banking by phone, by email, nor by letter to notify me of their action of locking my funds in my bank checking accounts that are FDIC protected. It is unacceptable that Charles Schwab Banking has prevented access to my checking account funds for more than eight weeks now. We are USA and not XXXX. And so I formally request a case to be opened to investigate Charles Schwab Banking 's failure to provide their fiduciary obligations to me, their customer, as required by their FDIC certification. Please contact me any time via phone or email if you need further information. Thank you for your help.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (CA)

I have sent in disputes to the bureaus and I havent received any reports back from XXXX XXXX or equfax and the accounts are still there. XXXX sent one in XX/XX/XXXX, but when asked for how they verified i never heard a response. I have sent in 3 disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and still nothing. These accounts are not of my knowledge and dont know who they belong to but not me. I have received nothing from the creditors or bureaus I have included copy of letters sent to all 3 bureaus each time
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Consumer complaint received 2022-08-08
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. (KS)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : 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  Name : XXXXXXXX XXXX XXXXXXXX XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXXXXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Consumer complaint received 2022-08-08
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-08
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

In accordance with the Fair Credit Reporting Act Portfolio Recovery Associates Account # 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 an account without my written instructions.

This account has also been paid in full/settled for a lesser amount. I would like to have the account removed from my credit report.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I mailed a letter to TransUnion requesting my free credit report/file. I received a postcard stating I would have to pay {$9.00} for a report because I received a free annual report in the last 12 months. According to the FTC, due to the pandemic, I can receive my free credit report every week through XX/XX/2022.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (TX)

HeyThis is an important message for XXXX XXXX. If you are not this person, please disregard and delete it. 
Email not displaying correctly? 
Skip to our message. 
Pay 50 % less than your full balance! 
Hello XXXX, We are TrueAccord, a third party debt collection agency that is working on behalf of XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX account ) to collect on a balance of {$300.00}. 

Our approach is to make the debt collection experience better for the customer by offering self-serve options online. We're even offering you a discount of {$150.00}! 

You can review the details of this balance below. 


View Your Options Here are the details : Current creditor : XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX account ending in : XXXX Balance at Placement : {$300.00} Reduced Amount : - {$150.00} Total You Will Pay If You Accept This Offer : {$150.00} We are not obligated to extend or renew this offer. Nothing in this offer changes your rights as described in our initial email. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 

Please read below for important disclosures. 


Copyright 2021 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX  - XXXX XXXX  ET XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX TrueAccord account number is : XXXX Click here for more information about your balance Not ready to pay? Get help managing your debt. 
Unsubscribe Dispute this debt Privacy Policy Log in to your account The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXXXXXX can not sue you for it. In some states making a partial payment may revive XXXX XXXXXXXX XXXX XXXXXXXX 's ability to sue to collect the remaining balance. 

This was originally an account with XXXX XXXX , account number ending in XXXX
Consumer complaint received 2024-11-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company (MD)

Freedom Mortgage is engaging in discriminatory and predatory practices throughout this process. They are denying our request for an FHA assumption loan based solely on a distance of XXXX miles and the size of my current home. The underwriter at Freedom Mortgage is insisting that we sell our existing home in order to secure approval for the FHA assumption loan. Given the health concerns of my wife and daughter, Freedom Mortgage has acknowledged in writing that we intend to make the assumption property our primary residence, as required by FHA guidelines. It is unjust for Freedom Mortgage to compel us to sell my home based on a mere XXXX distance and the size discrepancy between properties. We possess the necessary credit score, financial stability, and income to meet all requirements for the assumption loan. As a XXXX veteran of the XXXX XXXX, I find this treatment particularly disheartening. 

We have dedicated significant time and resources to this process. It is unfair for the underwriter to presume that we intend to utilize this property as an investment, given our understanding of FHA regulations regarding assumption loans. The underwriter 's decision to deny our loan appears to be based solely on the trivial factors of a XXXX distance, the dimensions of our home, and our XXXX background.
Consumer complaint received 2022-08-08
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-19
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: AES/PHEAA (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I was reported to XXXX XXXX XXXX XXXX for : ACCOUNT ABUSE by US Bank. I have paid the amount on the Charge Off Account for {$81.00} and the other settlement account for {$140.00}. Dates : Closed XX/XX/year> and XX/XX/year> Paid Settlement Offered : {$140.00}.
Consumer complaint received 2024-11-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: City Enterprises, LLC (MS)

I am a victim of identity theft. This account is fraudulent. " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my XXXX. For the reason select permission. 
Please remove this negative " Other Reason '' item. Thank you '' Please see attached my FTC report, that A copy of federal law 605b
Consumer complaint received 2022-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was scammed for {$1000.00}. 

On the afternoon of XX/XX/2022 I had an interview with a company called XXXX. I believe that I was having a interview with a hiring manager XXXX XXXX and then I was hired for a job. On XX/XX/XXXX, The hiring manager sent me a check to get my equipment via XXXX  because the job was remote. I cashed the check putting it into my account and on XX/XX/2022 I was to send money via XXXX so I can get my equipment to start working for the company XXXX. I sent {$1000.00} to what I thought was a design team XXXX XXXX  to program my equipment and I was scammed for {$1000.00}. When I realized what happened I was devastated. I immediately called the bank and setup a dispute for the {$1000.00} Monday the XXXX, because I have been scammed and it wasnt a real job I was catfish by someone and {$1000.00} with zelled to someone and I have no idea who they are. Once they received the money the person stop responding. The teller on the dispute team was aware of what I had went through stating this had happened before and would put the dispute through today XX/XX/2022 I received a Correspondence stating that they denied my dispute in all my accounts have been closed. I dont know what to do. I need help with this I Sincerely thought I was getting a new job to help with me and my daughter finances and I was scammed and I shouldnt be penalized for it.
Consumer complaint received 2021-10-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

This is XXXX. This is not the first time that I am sending this complain. The last time I have processed this complain you came up with the conclusion that this is not me complaining. You closed the case number XXXX, XXXX, XXXX telling me that there is an unauthorized party third party involvement. I am telling you this is me XXXX. There is no need for me to give an authorization to anyone because this is me filing the complain, NOONE ELSE. You need to take further actions to my complain. I am tired of sending this complain and getting no results because of your wrong conclusions. Again this is me XXXX XXXX. Please reach back to me via email if you need anything to proceed with the process.
Consumer complaint received 2021-09-24
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-06-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

Re : limit permanently my account I am writing to you concerning the email sent on XX/XX/2020 on the part of Paypal, which indicates that my account suspends directly and that I have no right to withdraw my money nor used my account, I have a store whose I work and whose products I sell, they suspended my account for no reason and without any justification, and this caused my business and my sales to stop, I tried to contact support, and no answer, the phone numbers are unreachable, even on their XXXX page, they don't answer I hereby inform you that I strongly contest this decision, and that I appeal the decision in question. 

Pending confirmation of my request, please accept my best regards. Thank you
Consumer complaint received 2021-09-24
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: WELLS FARGO & COMPANY (TX)

I disputed this account several times with no follow up from Wells Fargo with verification. I sent Wells Fargo a letter regarding an account listed on my credit with a balance of {$4300.00}. They sent notice back that they were unable to locate the account they are reporting. I sent the notice to the credit bureaus for removal but they said Wells Fargo verified the account and will not remove. I would like a copy of the contract and verification documents provided to the credit bureaus. if unable to furnish please remove the account as it is not mine. I contacted my ex to see if he placed this account in my name and he said no. I have no records of this account and if he did place this account in my name I will need support docs to pursue him. XXXX advised they don't have a contract on file. But continue to report because Wells Fargovised not to remove. If this is not resolved I will file a FTC complaint next.