davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
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 — Investigation took more than 30 days
Company: ECMC GROUP, INC. (VA)

ECMC was garnishing my check for 8 months with consent and still reported negatively on report and still does to date. School shut down without knowledge and embezzled millions from it students. I am a veteran and at the time was utilizing my GI bill and XXXX to pay for school and feel the collector to be fraudulently collecting and once told collections stoppeybut report from company continues.
Consumer complaint received 2023-08-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (TX)

I requested debt validation for debt. I requested information on how debt was calculated and they responded with 2 statements. The statements did not explain what services were rendered to justify total. Furthermore the statement total more than what is being reported to credit bureaus. The statement in which they are attempting to collect totals {$2800.00}. Reported to my credit is {$1100.00}. Lastly there was no evidence of contractual agreement between myself and the debt collector.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I recently received a hardship distribution from my 401 ( k ) account.I then deposited the check into my Wells Fargo account.The very next day I got an alert from Wells Fargo, claiming that they were unable to receive funds from the check and that the funds will be available in my account in two weeks. I called Wells Fargo several times to try and resolve this issue. I called their loss prevention department to have them call the maker of the check to verify and to call the bank to verify the funds were in there. 
I explain to them that this was a hardship distribution so that the funds were needed urgently I was then informed that I would need something notarized from XXXX XXXX and something notarized from XXXX XXXX, XXXX and order for me to get my funds these funds came directly out of my retirement account. I have never experienced anything like this in my life in regards to depositing a check. This is extremely unethical. And they should be investigated because basically theyre using my funds without giving me access to them. 
And giving me the runaround
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I've Disputed this bill multiple times, I've went in and also called in. They first told me they couldn't find the account. I've written into all 3 credit companies stating this account isn't mine. It was removed before and a year later added again. This account should belong to XXXX XXXX NOT XXXX XXXX.
Consumer complaint received 2023-08-03
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. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo seems to be engaging in unfair and deceptive practices. They [ lace property for public auction and quietly bid against member of the public thereby inflating the price that a member of the public would have to pay for any specific property. Wells Fargo should not be allowed to bid for properties they put out o the public for auction. I won a bid for a property in XXXX XXXX XXXX, XXXX, RI XXXX on 3 different occasions and was advised that I was the winning bidder and provide proof of resources ready to close the transaction. On each occasion, Wells Fargo declined the transaction and put the property back in the auction. When I inquired as to the reason why is process I occurring, I was advised that the delay in closing the first transaction was because they were investigating whether I have ties to any foreign organization. Subsequently on the third declination I inquired of XXXX as to the reason for this challenge and was advised that Wells Fargo authorized the auction company to bid on their behalf and on last occasion since I was the highest bidder and was denied the opportunity, I inquired again and was advised that Wells Fargo is allowed to do that and its their policy. This is a deceptive practice on the part of Wells Fargo. They should be compelled to disclose that they are a part of the bidding process. The same applies to XXXX XXXX, now XXXX XXXX as it relates to XXXX XXXX XXXX XXXX XXXX, MA. Any lender should be required to disclose that they are participating in the auction process or otherwise should not be able to participate.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

I purchased a car and used XXXX XXXX as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX XXXX XXXX. This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right. 

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.
Consumer complaint received 2023-08-04
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. (MO)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC. (FL)

XX/XX/17 went to Sun trust bank for a {$800.00} money transfer to the XXXX {$50.00} was the fee, 6 days the money was not delivered and refund was issue {$740.00} {$50.00} fee for sun trust , $  XXXX.more for XXXX XXXX XXXXXXXX , total XXXX for a mission not acomplish really.
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I have made at least XXXX attempts this year to try and resolve the issue with my credit reporting company Equifax. I have provided proof that they went over XXXX days in providing a dispute and attempted to ignore or deliberately hide it. Instead that they have only provided generated responses. As of now, I am serving notice that I will be pursuing a civil suit against Equifax for XXXX reasons : monetary relief for each negative item, permanent removal of all negative items disputed from XXXX 2014 to present, and pain and suffering due to denial of credit and not being able to purchase a home. This can be prevented if Equifax can permanently remove the items. I want more than a generic response saying that items were verified. FCRA requires you to remove this information from my credit report.
Consumer complaint received 2018-10-20
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. (MI)

I have reached out to the company numerous times and went to the credit agency for further investigation with no help. 
XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX, XXXX Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX XXXX with whom I apparently owe {$9500.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018that I have repeatedly made these offers. XXXX XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX XXXX and a third-party repossession company with whom I have no contractual relationship. They are third party interlopers and have no knowledge of the matter between myself and the XXXX XXXX XXXX and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion. 

To date XXXX XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 

Thank you very much.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Management Holdings, LLC (FL)

Subject : Complaint Regarding Credit Management Company - Violation of HIPAA Law Dear CFPB, I am filing a formal complaint against [ Credit Management Company ] concerning the collection efforts they have initiated for a medical bill, which I believe is in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and other applicable laws and regulations. 

This dispute is in reference to the following alleged debt : Creditor : Credit Management Company Account Number : XXXX Date of Service : XX/XX/2023 Amount : {$910.00} I assert that I am well aware of my rights under HIPAA and other consumer protection laws. The medical information being collected by [ Credit Management Company ] is protected by HIPAA, and it is unlawful for any debt collection company to disclose such sensitive information without proper authorization. 

I have not granted any authorization for the disclosure of my medical information to [ Credit Management Company ], nor have I authorized them to engage in collection activities on my behalf. 

I demand that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that [ Credit Management Company ] complies with the provisions of the Health Insurance Portability and Accountability Act ( HIPAA ) and other relevant laws and regulations. I further request that [ Credit Management Company ] provides the following information to validate their claim : 1. Verification of Debt : Provide a complete breakdown of the debt, including the original medical provider 's name, the date and nature of the medical service, and an itemized statement of all charges.

2. Proof of Authorization : Furnish evidence demonstrating that I have authorized the disclosure of my medical information to their company. 

3. Compliance with HIPAA : Explain how their collection practices comply with the provisions of HIPAA and safeguard the privacy and confidentiality of my medical information. 

I demand that [ Credit Management Company ] immediately cease all collection activities related to this medical bill until they can provide the requested documentation and demonstrate compliance with HIPAA.

I am enclosing copies of all relevant documents, including the credit report showing the collection entry, to support my complaint.

Please keep me informed of the progress of the investigation and any actions taken by the Consumer Financial Protection Bureau in resolving this matter.

Thank you for your attention to this complaint. I look forward to a resolution that upholds my rights under HIPAA and other applicable laws.

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXX AND XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, 2022 XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. We tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I opened an account XX/XX/2023, before I even had a chance to use my credit card which I was approved for, my account was locked because of " suspicious activity ''. I've attempted to call to resolve the problem, but been told I need to step in a branch to show ID and I can't simply email/mail/send copies through secure messaging. 

Unfortunately I left for international travel before I found out this information won't be back for several months. 

When I attempt to call any number of Bank of America, I get redirected to the fraud department which won't unblock the account, but say I can close it but only to give me a number that redirects back to them and not Bank of American customer services.

I would like to use the credit card of course, but Bank of America is being unreasonable with its fraud detection and thus not allowing me to use the card. At the same time, the same department seems to be blocking my ability to close the account. 

I am unable to take any action with the bank or talk to a reasonable person or find a solution to the problem thus having to reach out via CFPB about the bank 's broken process.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

For several years Equifax has been reporting inaccurate information on my credit report as it pertains to the XXXX XXXX XXXX in the handling of my student loans, not to mention of reporting the same loans more than once. My student loans are paid in full and is showing as delinquent and has an negative impact on my credit score and has been for years of not being able to obtain anything. In satisfaction for reporting this inaccurate and duplicating nightmare it will only be fair that Equifax delete this information from my report.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WY)

Ive disputed all of the negative accounts with all 3 bureaus and they come back verified and i know they didnt do proper invesigation because the dates of last reporting are different on all 3 bureaus.there is multiple discrepencys with all the negative accounts on all 3 reports including but not limited to dates of last activity, date last reported, date of first delinqency, date last paid, account numbers, late payments.please remove inacurate information on all 3 bureaus per the fcra laws protecting my rights as an american.the 3 credit bureas are discriminating against me because i recieve social security disabilty benefits.i have XXXX and fell behind on payments and had my 2 cars repossed while i was in XXXX XXXX XXXX XXXX with no notice or any oppurtunity to arramge payments with both XXXX XXXX XXXX XXXX.please delete all negative information.i need a car and a home so i can begin to put my life back together.i cant get a car or any loans because of all the inacurate negative accounts reporting with XXXX  XXXX  and experian.please do a investigation on all 3 bureaus and see the inconsistant reporting.i was misled and disciminated against because of my disabilty per the gramm leach and biley act they are violating.my rights as a law abiding tax paying citezen.i disputed all the negative accounts with the bureaus so i can begin to put my life back together after recieving XXXXXXXX XXXX XXXX XXXX starting XXXX of XXXX XXXX  and equifax say they investigated but they did not do proper investigation.please help me remove the inacurate information so i can get a home and a car and my business back.ive overcome XXXX XXXX XXXXXXXX by the grace of XXXX and just want to get my life back in order but all of the negative inacurate accounts are stopping me from obtaining credit.
Consumer complaint received 2023-08-04
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. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2023-08-04
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. (SC)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX account number XXXX, Account name : XXXX XXXX account XXXX, Account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX  account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case