davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I unfortunately fell for a scam call and used XXXX in three debit transactions total in {$2500.00}. The three transactions were sent to three different accounts that I never had transactions before while there is no warning or limit appeared. I realized the call was a scam in the midway and call Citibank right away, but was told nothing they can do, not even helping me to stop payment within short time after the transactions. 

I made a fraud claim to Citibank few hours later and provided details of the scam call as well as mentioned that I have filled the case in police station. On XX/XX/XXXX, I received a letter from the bank saying that it was unable to reimburse me and I called the fraud line to follow up. I was told that there was not enough supporting so I was asked to fax in the police report via its branch. I did that but on XX/XX/XXXX, I received a letter from Citibank asking me to solve the problem with the merchant instead. I called again to explain that this was a scam not something with merchant and I also re-emphasized the police report I fax in. On XX/XX/XXXX, I received a letter denying my claim again. 

I made call again to initiate dispute and in the multiple communications, I was asked to email and mail in the supporting documents, which I did both actions. I also requested the copies of the information used in the investigation for three times since XXXX but never receive anything. 

On XX/XX/XXXX I received another letter saying denying my claim. 

I really appreciate any help for me to communicate with the bank to make my case as this is obvious a scam. I dont feel the protection in my banking relationship and dont think there is enough respect to customer as the only sentence the bank kept sending is we maintain our position to deny your claim. More importantly, I believe I am entitled by law to obtain the information used in investigations. But there is not transparency and respect on this specific piece of law.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CO)

Back in XXXX of 2022 I was made aware that something negative had hit my credit. Upon inspection I found that " enhanced recovery CO L '' had come into possession of an XXXX $ debt. From XXXX phone company. Now I had recently closed my account and paid it off on full as I was not receiving cell service most places I went. I ported my number over to XXXX  which again, I was only able to do once I paid my XXXX account in full. Come to find out that on XX/XX/2022 XXXX sold " my debt '' of XXXX $ to enhanced recovery CO XXXX This now effected my credit. I called XXXX and attempted to pay the past due after questioning the validity of it. They strongly affirmed that the XXXX $ was accumulated post phone bill date and would be " final usage bill ''. They would not allow me to settle as the debt was no longer theirs. I have now tried twice to pay it in full of deleted without any luck. I never received any sort of notification that I owed any additional money post canceling service. The phone company claims to have sent a letter to what sounds like the correct address. I never received any such mail from them in that time. I still continued to have the same email and phone number as before but the phone company claims that their only form of notifying me of this debt, was through a ( well known ) failing postal system. They had no intent of using the technology that they peddle to assure I received notice. I'm not sure if they sold it to creditors out of spite from me canceling, or if it was simply to close all accounts at the time ( exact timing of XXXX merger ). But either way I think I should be able to pay what I owe without it effecting my house purchase for the next 7 years. I never missed a bill with them. I've never missed XXXX with XXXX either. When I know I have the bill, I always pay it.
Consumer complaint received 2023-02-14
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: JPMORGAN CHASE & CO. (OK)

I'm requesting CFPB to assist me in the removal of old outdated reporting by chase bank. They have told me they would continue reporting it even being outdated and expired statue. I'm in my 60s there reporting this is keeping me from being the best I can by doing this they are stopping me from being accepted in assisted living centers and other areas of my life, its almost like they are flexing there power to control my life, and selling of this outdated info to reporting agencys and third partys is affecting my life & health. I have sent letters requesting this to take place but received nothing Thank you
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (MI)

After I filed a complaint with the CFPB about disagreement with the payment of the debt for the treatment of XXXX XXXX XXXX, a letter was sent from this hospital to my name, in which the representatives of the hospital argued the cost of paying my bill, and provided a copy of Universal Consent. Disagree with the provided answer. I consider the Universal Consent to be invalid and incorrectly filled out. In addition, I do not agree with the prices for my treatment and the arguments for justifying the prices. Below I will justify my claims and objections. 
I consider the Universal Consent to be invalid and incorrectly filled out. 
1. The copy of Universal Consent provided to me lists XXXX XXXX XXXX XXXX on the title page. The collection of my debt has been passed on to collectors at Harris & Harris , Ltd . According to a letter from Harris & Harris , Ltd., I am being charged by XXXX XXXX XXXX. 
This hospital is in the list of XXXX XXXX hospitals, however, the XXXX XXXX XXXX XXXX is ticked. 
2. When filling out the title page of Universal Consent, it is necessary to fill in the lines by hand, where all the data will be indicated with a full transcript : patient name, date of service, MRN, DOB. 
Neither my name, nor the date of filling out the form, nor the MRN is SPECIFIED!!! In the upper right corner of the agreement, only my account number, my first name, last name and my date of birth are printed on the computer. 
3. On the second page of the Universal Consent, in the signature of patient or authorized person line, the date of my signature is not in my hand ( I did not write it ) 4. In the line signature of witness, there is a signature of the witness without decoding his full data.

Apart from this, I have not seen any witness and do not know My disagreement with the prices of treatment and arguments for justifying prices. 

Based on the response provided, I am invited to familiarize myself with the prices for treatment displayed on the TRANSPARENT PRICING & FREQUENT ESTIMATE REQUESTS | XXXX 
I visited this site and I want to say the following 1. Prices on the website TRANSPARENT PRICING & FREQUENT ESTIMATE REQUESTS | XXXX. are as of XX/XX/XXXX. Due to high inflation and price increases, the cost of my treatment must be calculated at the time of my treatment, that is, on XX/XX/XXXX 2. In order to find out the cost of hospital services, you need to register on the site, provide all my data ( where I work, my SNN, my insurance company ). What's this? I, with a XXXX XXXX XXXX XXXX  XXXX, should have looked at the prices on the hospital 's website? 
3. The site XXXX is a public site. Prices for drugs and medical services are billed as an average of the cost in the whole country and the state of Illinois Based on the foregoing, I consider the Universal Consent to be invalid and incorrectly filled out
Consumer complaint received 2023-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my Bank of America account was involved in fraud. {$16000.00} was taken from my account because my car was stolen with all my personal belongings. I filed a police report and on the report you see that it says what was stolen. The money was transferred through my stolen phone through XXXX. I contacted Bank of America and they told me I need a police report and I will get my money back and I did this but they denied my claim and I appealed it and I was still denied.
Consumer complaint received 2023-05-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  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
Consumer complaint received 2023-05-06
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. (FL)

All three bureaus are reporting late payments on these accounts. Experian, XXXX and XXXX. On XX/XX/XXXXXXXX  i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXXXXXX  Experian, XXXX and XXXX are reporting : XXXX XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX  every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information. 
I wasn't given any opportunity to opt out. They never gave me an option to opt out.
Consumer complaint received 2017-02-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (NJ)

A company named Cavalry SPV I , LLC claiming that they were acting as an assignee of XXXX to collect a debt that I do not owe. I never received anything from XXXX and did not and do not have a XXXX credit card. Cavalry SPV I, which is just one of many shell companies created by another company, more widely known as Cavalry Portfolio Services, LLC, never contacted me or even tried to notify me of anything. The first thing that I received was an actual complaint, filed with the courts, which took away my chance to Validate the Debt. They are using an attorney by the name of XXXX, he is actually using the name of a law firm that is not even registered to do business in New Jersey. He is using the name XXXX., which was formerly known as XXXX ;, that name is registered in New Jersey but I can not find out the status of that name, whether it is active, inactive or if they were simply shut down? They are seeking a relatively small amount, in my opinion they are trying to collect an amount that is less than what an attorney to fight it would cost, in the hopes I will settle. They have not followed state or federal law at any single point in this process and, after doing some research, I am now in the process of a legal battle over a debt that is not mine.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was held at XXXXXXXX XXXX and my wallet and XXXX was late XX/XX/2023 early XX/XX/2023 and I called capital one to shut my debit card off and they never did. Over XXXX dollars was debited out of my account. Ive opened multiple claims with capital one and they keep denying me. No one is willing to help. I filed a police report and FTC report and a FDIC report as well
Consumer complaint received 2016-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I contacted XXXX XXXX to report my credit cards again to Equifax after my cards had been deleted by Equifax. Equifax has now reported the credit cards but is saying the account history has been deleted, which in terms makes it seem as if this credit cards are new accounts. I have had these cards for over five years and I need my credit report to reflect the amount of time and history I have on these XXXX credit cards. Please make them correct this situation. I have not been able to resolve any issues I have had with Equifax. It is going on a month now. First they delete my cards, then I have to get my credit card company to make them report again and now they are reporting inaccurate information. Please make them place my history back on credit cards. I have attached the information I was sent from Equifax.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (WY)

I had a wire transfer sent from another bank to mine at Wells Fargo. They deemed it to be a fraudulent activity. And froze my account and closed it seizing the money for quite some time before returning it finally. They would not give any explanations they would not discuss options or allow any kind of explanation. 
Because they refused to give a reason. They just deemed it to be fraudulent activity and eliminated my account without question. This was right before Covid hit I had a hard time going through without a bank account!
Consumer complaint received 2023-05-07
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)

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.
Consumer complaint received 2023-05-07
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. (IL)

I have reached out to these companies numerous times about the inaccuracies on my report about an XXXX  credit card ACCOUNT # XXXXThey have continued to report my credit report as accurate when it is in fact inaccurate.They have yet to delete this false information. I would just like for this account to be deleted I didnt give permission to have these accounts furnished to my report. Below is inaccuracies circled that are reported from each credit bureau XXXX Experian and XXXX
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have an unverified account from KOHLS/CAPONE. I had previously disputed this account. I have never done business with KOHLS/CAPONE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that KOHLS/CAPONE Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KOHLS/CAPONE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-05-09
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. (MS)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2016-05-02
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

I received a loan from this company with a large interest rate on the loan. I am unable to pay the ballooned interest rate and wrote them a letter stating I wanted to cancel the loan and pay the interest rate. They excepted my payments of {$150.00} ( XXXX ) in which the loan was {$1000.00}. which my account balance should be {$700.00}, they tried to take {$1200.00} from my account. They are being not being reasonable and they continue to call family members harassing them stating I am a dead beat and not paying none of my bills.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Reviewing my TransUnion credit report, I noticed there were many inquiries which I never made. I have called each one of these companies and they confirmed no application was filed from me and they had no record of my name or social security number. 

This concerns me because 1 ) the wrong people may be accessing my information and pulling reports under the guise of a legitimate company and 2 ) this inaccurate reporting actually lowers my credit score. 

These are the companies I have verified so far that had no record of me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX I 'd like to have these inquiries removed from my record immediately. 
Any questions, feel free to call or email me XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Consumer complaint received 2023-05-06
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. (GA)

According to the fair credit reporting act and found that you are illegally reporting fraudulent/inaccurate information about. The following alleged account ( s ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, there are numerous, fraudulent, and unauthorized hard inquiries reporting on my credit. The following unauthorized 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 This is a violation of the FCRA and is also in violation of requisite metro 2 compliance reporting standards.

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report showing your compliance with all FCRA and metro 2 reporting requirements. 

Attached is a copy of FTC report Respectfully, XXXX