davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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: Medical Data Systems, Inc. (MS)

Company has stated that this information has been verified. I would like a complete audit trail of who furnished the account and how was the information obtained in order to verify said account in accordance with 15 usc 1681a ( e ) personal interviews must be conducted with neighbors, friends, etc.
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Hello, I have been a customer for XXXX for a few years as I've used the service to send funds monthly to cover medical and housing expenses for my elderly parents. On XX/XX/2022, I sent a transaction totaling {$1000.00} to a family member to collect on my parents ' behalf and the transaction was canceled and funds returned. I later found out that my family member is unable to accept funds from XXXX, which I was not aware. 

I logged in late last week to send the month end rent payment and was asked to scan my ID, which I did. As I proceeded to send the funds, I received a message that " For security reasons, we are unable to complete this transaction online, by phone or at a location. Please try sending again in a few days. '' I tried again after a few days and still the same message. I called customer service and was told that the system has blocked me permanently. 

I am a XXXX Plus Rewards member ( XXXX ) and have earned points toward discounts on sending funds so I've used this service exclusively. I've had no instances of fraud. I primarily send the same amount to the same people monthly and have no history of issues. To block me from accessing the service with no disclosure of the reason or an opportunity to review to see if an error occurred, and no future benefit of the rewards program, has created harm. Financial services should be accessible to all and if you deny access, I should be provided with a disclosure or reason for that denial.
Consumer complaint received 2023-02-01
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-08-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (PA)

I am writing this complaint based on the fact that i was let go from my job at XXXX XXXX XXXX  on XX/XX/2020, during the beginning of the COVID 19 pandemic, and at such time i was unable to pay my school loan bill with American Education Services. 

I talked to a representative on the phone and he he offered no possible way to help with my payments at all, not lower them not defer them or anything. The only option the representative offered was to default on my lone and after a month i would be able to enter in some sort of appeal. This was impossible for me to do because my grandfather cosigned the loan and if i was late on payments then he would have been penalized. 

It was a very hard time losing my job right at the start of the pandemic, and no one offered any help whatsoever in regards to helping sort out payments when i literally had no money. In fact i am even more in debt and now to family members because i needed to borrow money at a time when i had absolutely no income Making Payments are still a struggle as I never did find a job that paid as much XXXX the one I was let go from and American Education Services still will not offer anything in the way of help.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

I do not have dates as i no longer have access to that information. I was charged multiple insufficient fund fees for overdrafts. When these overdrafts would occur whatever was setup next for auto pay would decline and i would be charged another fee. This made it very hard to keep my account up to date.. for example if i was in the negative {$4.00} and had two auto payments i would receive a fee twice. I called to dispute and waive charges but only one is permitted per year i believe
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

, Transunion, XXXX you all get the same report from metro 2 XXXX removed the XXXX XXXX XXXX  I request you remove it also
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CB1, Inc. (MT)

In XX/XX/XXXX, I gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. There were some issues surrounding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this issue was due to provider neglect. Further, none of the providers had followed up with me to check on my well being or explain why the traumatic experience had happen. 

After I was recovered from the XXXX I began receiving medical bills. I was in communication with the clinic on negotiating a payment, as my deliver seemed to not be properly billed to insurance. Additionally, I have communicating to the clinic about how I shouldn't be responsible to pay for a delivery that resulted in a very negative experience. 

Not shortly after the delivery, my medical bills were sent to collections. Within the short period of time that they were in collections at CBB, inc XXXX XXXX XXXX, I was in communication with the debt collector. I had notified them the issues surrounding insurance and that fact that I was working with insurance and the clinic to resolve my debt issues. 

On XX/XX/XXXX, I received a notice that legal action is being taken against me. I do not believe that CBB Collections has sufficiently put forth an effort in contacting me before taking legal action. Additionally, I had been the one to make the initial phone call to arrange a payment plan in XXXX of XXXX, which I had done. When I spoke with the debt collector on XX/XX/XXXX, he had mentioned that the payment plan wasn't complete and I had failed to sign a contract implementing the payment plan.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Todays concern is in regards to my account with Capital one Account # XXXX I ran into an issue in XX/XX/2021 When I XXXX XXXX XXXX XXXXXXXX This put me in a pickle for several months. Thankfully I got back on my feet and I got account current in XX/XX/2021. I have since been paying on time as well. Since Congress passed the CARES ACT to assist consumers impacted by Covid.I hope we can get this resolved quickly.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 

Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX  ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 

Secondly, the charge off accounts with Portfolio ( Account Number : XXXX ), XXXXXXXX XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), and XXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 

Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX ( Account Number : XXXX ) are also incorrect and require immediate action. 

Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 

Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 

I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfoliocovry calls from a different number every time. I spoke to a female and explained she has the wrong number and she said she will remove the number from the list but everyday I get the same call about the same person and from a different number of whom I do not know.
Consumer complaint received 2022-08-31
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. (NC)

This account was charged off in XX/XX/2017. The error they have made is they have continued to report an active payment history since then, almost 6 years! It is my understanding that a charge off account is not suppose to report an active payment history! Its illegal that they are updating the status date when the charge off was in XX/XX/2017. 

i am in fear this impacting several factors within my credit
Consumer complaint received 2023-03-21
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. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under the 15 USC 1681. 


DEPT OF EDU/XXXX  ACCOUNT XXXX XXXX DEPT OF EDU/XXXX ACCOUNT # XXXX DEPT OF EDU/XXXX ACCOUNT # XXXX DEPT OF EDU/XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX INACCURATE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency might 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 ended report by more than 7 years.

15 USC 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 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MO)

About 3 weeks ago I had a log in problem. It was 2 weeks till it was fixed. I could reset my password and it was not accepting the current one. I tried for 2 weeks calling people and going up to the branch. The last time i went up there the teller that helped me was getting mad as i was. She finally found out that someone deleted my security questions preventing from reseting password. I threaten to take all my money and swith banks. 2 or 3 weeks later I get a letter sayng they are closing my accounts. I went to the bank and was going to get some out to open a new account elsewhere. They would give me my money and called the police. They will not verify my email so i can transfer funds. I actuality they are stealing my money. Right now i have {$35000.00}
Consumer complaint received 2022-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (NV)

THIS IS A SECOND TIME SUBMITTING COMPLAINT AS INFORMATION CITI BANK PROVDED WAS NOT RELATED T ME : O/A XX/XX/XXXX I contacted CITIBANK Costco indicating I was disputing accounting under the FCA/FRP and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Consumer Telecom & Utilities Exchange, Inc. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, UTILITY SELF-REPORTED failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
UTILITY SELF-REPORTED Account Number : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
UTILITY SELF-REPORTED Account Number : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2022-08-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Navient has said that they can't settle the loan but can they at least settle it at an amount that I can at least pay $ XXXX monthly especially now that I am unemployed and looking for work. It would help so much financially, if I could get a settlement of permanent pay per month that won't rise each year. Any help would be greatly appreciated.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MT)

I have another CFPB complaint that outlines what the main issue is and right now the other issue is Chase bank has not responded to my submission of evidence when they reached out to ask for me for more. I gave them what was required to negate the faulty evidence they were supplied by the seller which is causing me to lose {$6000.00} total due to this. I have reached out in calls and Secure Messages to Chase bank to follow up but have met only unhelpful support tech support calls and I have yet to receive ANY response on my Secure Message which has been going for almost 2 months at this point. I am including the documents showing their request for more evidence which I had submitted and my message I have sent early XXXX that is still without a response.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( XXXX ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( XXXX ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-11-29
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. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-08-31
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )