davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Centron Services (MT)

XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX 3 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of the original medical bill and two additional medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my name. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. 

Between XXXX and XXXX, this company has telephone me 8 times even though I asked them to cease and desist. Today, XXXX, this company called my employer. 

This company has not provided either my spouse or me with a copy of a signed contract that we owe them any money. Nor have they provided us with a copy of a signed contract that they may act as collecting money for the medical clinic. In addition, they are not abiding by our requests to cease and desist.
Consumer complaint received 2018-01-05
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)

Experian & XXXX was asked on several occasions in complaints filed to this system to PROVIDE THE NAME AND CONTACT INFO OF THE VENDOR REPORTING THE BANKRUPTCY to my Experian & XXXX credit file. I would like to challenge the accuracy of that report. If the vendor is XXXX, they are not reporting this item to Experian & XXXX. Unless Experian & XXXX provides proof that the vendor is reporting the item after this request for verification, it should be immediately removed as per FCRA. If not simply let me know in response to this complaint and this date ...
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

XXXX XXXX I went to check my XXXX score, only to discover that it was lower than usual. It is VERY low as of today, XXXX XXXX, XXXX. 
I found out that I was still linked to a XXXX account that my ex-husband opened as the primary holder with me as the joint member in XXXX. This card looked like a regular Costco card & could only be used for purchases at Costco. I was n't aware that it was backed by Capital One. 
Twenty years later, after I divorced in XXXX, I opened my own account with XXXX. The representatives at XXXX assured me several times that I had no attachment or responsibility for my old joint account. No one informed me, as I 've subsequently been informed by XXXX XXXX, that I needed to have contacted my ex-husband to have him terminate the joint account. Huh?! Are they kidding?! How was I supposed to have known this? No one ever informed me of this at Costco. Costco should have advised me & my ex-husband that we BOTH needed to open new accounts after the divorce. The joint account should have been terminated by them, or, at the very least, they needed to have informed Capital One of the divorce & to take me off the account. ( Which Cap One has told me is impossible! ) This was a major oversight by Costco that is having horrible consequences to my credit. Cap One told me in one conversation that since my name was on the original joint account as co-owner, I 'm responsible for the unpaid debt of some {$5200.00}. Talking, pleading, yelling with Cap One lead nowhere. I 'm caught up in a true " Catch 22 ''. They refuse to budge off their position. 
It is impossible for me to have run up a bill on that account. I do not have a viable card. When I opened my new account with Costco in XXXX XXXX, I could no longer use my old card. In fact, when I used it by mistake just after I received my new Costco card & not having yet destroyed the joint card, the old joint card did not work for me. I gave it to a Costco rep who shredded it. 
Early in XXXX I acquired an XXXX XXXX card linked to Costco in my name only. I 've used that & a subsequent XXXX ( also linked to Costco ) & my debit card almost exclusively for purchases at Costco since XXXX. I also have not seen or paid that bill for years. My ex-husband was responsible for handling that bill. We kept our finances separate for the most part. 
I pay all my bills automatically every month. That I am being adversely affected due to my ignorance & not having been advised well by Costco is an injustice to me that needs to be corrected by Capital One. They need to expunge from my credit history the debt that is not mine but my ex-husband 's. And take me off the joint account as of XXXX XXXX. 
Thank you.
Consumer complaint received 2018-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Consumer complaint received 2018-01-05
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. (GA)

On XXXX, I sent TransUnion the attached letter requesting re-investigation into a closed account and it 's inquiry and the results I received ( attached ) was deletion of an accurate account instead. Please delete the correct unauthorized inquiry as well as the subsequent closed account and reinstate the account that you deleted in error. Thank you.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Applied for a credit limit increase and was declined. Spoke with supervisor who said card was underutilized. Please see attached letter. Explained to him that capping my credit limit just because I choose to pay balance in full every month was not fair. Furthermore nothing in the credit card disclosure alerts the consumer that they may do that. Also in their commonly asked questions and answers for denial contained in the letter received, nothing in the Q & AS addresses under utilization. How a consumer chooses to manage their line of credit is their concern so as long as it paid in full and on time.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK (MS)

On XX/XX/year>, I called Vio bank and spoke to the bank about changing my account over since my balance had grown to over the FDIC {$250000.00} limit for being insured. I advised the bank person what the issue was, and she informed to complete an external transfer. The trial deposits were completed on XX/XX/year> and I went to Vio bank 's website and completed the transfer as I was told to complete by Vio bank. 
On XX/XX/year> my old account in just my name ending in XXXX XXXXXXXX received accrued interest {$130.00}. I tried to access this account, and XXXX 's website would not let me transfer the interest to the new account. 
I called Vio bank on XX/XX/year> and spoke to XXXX XXXX and explained to him about not being able to transfer the interest to my new account XXXX XXXXXXXX. He placed me on hold for about XXXX minutes researching the problem. He stated that he wanted to make sure that this interest in fact belonged to me and said that if not it would be taken out and he did not want me to go through this. After about XXXXXXXX XXXX XXXX came back and informed me that he was advised that the interest was in fact mine and he took the freeze off of the account so that I could complete the transfer. He stayed on the phone with me while I completed the transfer. 
On XX/XX/year>, I called XXXX at Vio bank and told him about the interest being pulled back out " Advice of XXXX. '' He stated that he would take care of it and get back with me. 
On XX/XX/year>, I called asking to speak with XXXX which she couldn't get in touch with, so I asked to speak with a supervisor named XXXX. XXXX stated that he was working on the issue, and she would have XXXX to give me a return phone call. 
On XX/XX/year>, I called and spoke with XXXX at Vio bank. He tried to reach out to XXXX, and he would not answer. XXXX stated that he would have XXXX to call me back today, that he was apparently with a customer. 
I have not received a return call to date, after several attempts. I have no alternative but to reach out for additional assistance. 
I would like to receive the interest that is rightfully mine instead of the bank trying to steal it from me. I have been very patient, and my patience has come to an end. 
I would like my {$130.00} returned to me along with the interest accrued on this amount that took from me. 

Please help, XXXX XXXX XXXX
Consumer complaint received 2018-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

After filing my last complaint with the CFPB, Ocwen contacted me and informed me that I would be able to make three payments of {$460.00} each on the first day of each month for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that if I did so I would be able to get a formal modification. I made these payments. They also took my payment in XX/XX/XXXX for the same amount but added it to an " unapplied funds '' account. 

I tried to make the same payment in XX/XX/XXXX, but my payment was refused. I received a letter stating that my payment was refused because I failed to return a signed modification agreement to Ocwen when requested. However, I have not received any such agreement or request for me to sign such agreement and return it. 

The individual who was assigned to handle my last complaint, XXXX XXXX, will not return my calls. Yesterday, when I tried to make the payment again via phone, someone there told me that they had been trying to get in touch with me via phone and mail. I have not received any phone calls or mail from them regarding this issue except the letter I have described, although they have all of my correct contact information, which I have sent several times. 

I have also tried to call XXXX XXXX, who is mentioned in the last letter I received. I can not leave a message for her. The only thing that happens is that I get re-directed to another " relationship manager '' who simply repeats that I can not make a payment.
Consumer complaint received 2018-01-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

I contacted Fifth Third Bank regarding a loan that belonged to my Ex-husband.My ex-husband XXXX XXXX in XXXX.We had been divorced, and the divorce decree stated he had 90 days to remove my name.from any responsibility of our house.He never removed my name.Fifth Third bank continues to send me the statements, and has also turned over information to XXXX that has damaged my credit.
Consumer complaint received 2018-01-05
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: AMERICAN EXPRESS COMPANY (GA)

Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in XXXX. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

Suddenly, I noticed on XXXX XXXX that I had a negative debt collection against me. I immediately thought it was identity theft. When I disputed the debt on XXXX, they took it off immediately. XXXX claims this debt was verified, however it was from XXXX and the collection company was stating it was from XXXX of this year. The original debt is purported to come from XXXX for internet. I never received any notice of this debt and I never got notice from the collection company to pay this debt within thirty days as is required by law, before it appeared on my credit report. XXXX refuses to help me or provide any documentation proving that I was given notice. I consistently paid my bills on time, therefore, I do n't think this debt is valid. The collection agency is supposedly the second collection agency. I never got notice from the first and nor did I get notice from this company. Again, this is the first time I have been made aware there was an outstanding balance of {$29.00} on an account from XXXX.
Consumer complaint received 2018-01-05
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (OH)

XXXX XXXX University is very Incompetent and I believe have some fraudulent practices in processing student financial aid. They are claiming that I owe them close to 3,000 which I am unsure for what. At the time I was receiving Federal Financial Aid Assistance and Federal Student Loans. Therefore my Financial Aid should have satisfied my payment for classes. They have sent me 3 different statements all of which has the same date ranges but all have a different amount that is due. I have repeatedly asked for a Full Accounting Statement showing all aid and all payments since I started school there but have not received them. I was enrolled in my last class for receiving my XXXX XXXX XXXX and had to a leave for an family emergency. I approved me for the leave but when it was time to re-enroll in my class they would not allow me to enroll. Although this class was already paid for by my Financial Aid & Federal Student Loans.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

I paid my balance down to within {$100.00} from a balance that was {$2300.00} in XX/XX/18 with the XXXX XXXX XXXX XXXX XXXX. As soon as I paid the balance down, they lowered my credit line to {$300.00} with no explanation at all. I had tried to purchase something and it kept getting declined to I logged in to the website and saw this and was shocked. No email, no phone call, nothing explaining why. I can understand declining it a few hundred dollars maybe, but a {$1900.00} decrease? That is beyond XXXX.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

XXXXXXXX  I tried to withdrawal XXXX from my checking account at my local bank ATM when I put the amount of the withdrawal and I asked to send a print out of the amount I needed to be sent to my phone by text it never did and also the amount I requested never happened. It gave me my card back but never disbursed the funds I requested. I sat in my car and called the bank right away and the bank told me that I would need to file a claim so they connected me with the banks claims department and I filed a claim on the same day it happened. I was told that it could take up to ten business days and it's now going on 6 business days. I have nothing to show other than the transaction never went through but it did take the money out of my account.
Consumer complaint received 2018-01-05
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. (CA)

To whom it may concern ; As you well know, I have had a plethora of incidences where I have reported and subsequently disputed items on my credit report as both fraudulent or not mine. Upon reviewing my most recent disputed items and their completed status, I have come to realize that some new items are now reporting on my credit report that are certainly not mine. The following I am currently disputing as FRAUD. These accounts, inquiries, collections, etc. have been wrongly reported in my name due to being fraudulently opened in my name. Please dispute them accordingly. 

COLLECTION - XXXX XXXX Account : XXXX Original Creditor : XXXX XXXX Date Opened : XXXX Amount owed : {$2800.00} INQUIRIES - XXXX XXXX  Date : XXXX/XXXX/XXXX ADDRESSES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks you for your help with this matter. 

XXXX XXXX XXXX
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I AM UNABLE TO OBATIN MY EQUIFAX CREDIT FILE OR SCORE. 
PREVIOUSLY I WAS ABLE TO PULL MY REPORT UP UNTIL XX/XX/XXXX THEN ON XX/XX/XXXX I TRYED REQUESTING MY FILE TROUGH XXXX AND I WAS ADVISED BY BOTH XXXX AND EQUIFAX THAT MY FILE IS MISSING MY SOCIAL SECURITY NUMBER AND FOR THAT REASON I AM UNABLE TO OBTAIN MY REPORT! 

I SPOKE TO THEM SEVERAL TIMES. 
EQUIFAX HAS BEEN GIVING ME THE RUNAROUND THE HAVE BEEN RUDE UNPROFESSIONAL AND UNCOMFORTABLE. I WAS ADVISED BY GLOBAL EQUIFAX ON XX/XX/XXXX THAT THIS ISSUE WAS FIXED AND I WAS NOW ABLE TO OBTAIN MY REPORT TODAY XX/XX/XXXX I TRYED AGAIN AND NO LUCK THEY DID NOT FIXED THIS ISSUE. I CALLED AGAIN XX/XX/XXXX AT XXXX AND NOW THERE TELLING ME THAT MY FILE STILL HAS NOT HAVE MY SOCIAL ATACHED
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

I received medical services in XXXX of XXXX. I gave XXXX my insurance information before seeing the doctor and made my co-pay. I received an annual exam which is covered by insurance. Over a year later, I received a bill in the mail from XXXX and learned that they had failed to timely bill my insurance and were now coming after me personally to pay them. Over the course of that year, my insurance provider ( through my employer ) had changed. I informed them of the error and let them know that they needed to bill my former insurance, or write it off, because it was their billing error and these were covered services. I had no idea that they sent it to collections instead. I never received a notice or option to dispute from " CALIFORNIA BUSINESS BUR '' who now shows on my credit report.